Smartphones Are Killing Americans, But Nobody’s Counting 18-Sep-2017
Does Homeowner's Insurance Cover Your Home Based Business? 13-Sep-2017
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Tuesday, 27 May 2014
Teen Driving Safety
Vehicle crashes leading cause of teen death
arents take a great leap of faith before giving their kids the car keys. Crashes due to reckless and distracted driving are the leading cause of death for American teens.
Summer is the time of highest risk.
Students average 44 percent more hours behind the wheel each week during the summer than during the school year, according to research by SADD (Students Against Destructive Decisions).
The 99 days from Memorial Day to Labor Day are the deadliest time for drivers age 15 to 20 with July 4 topping the list.
As you can see (and read further for more details of the article here), the risk is MUCH GREATER for teens - especially less experienced teen drivers during the summer months! We see this claim increase from our own customers with their teens in the household. So let this be a conversation starter for you and your family as we go through these dangerous 99 days. It only takes one accident to change a life completely or end it. We urge you and your family to be safe during this wonderful summer season ahead of us.
If we can help you with anything insurance, we are ready! Just EMAIL us at info@BentonWhite.com or feel free to contact Mr. White or his staff at 615.377.1212.
Posted on 05/27/2014 2:20 PM by Benton White
Thursday, 22 May 2014
It's one of those "blink and you'll miss it" type things, particularly if you and your family took a week-long spring break trip.
Insurance companies sent out letters to more than a million homeowners with flood insurance policies telling them to prove that they live in their insured properties -- or face premium increases of 25 percent each year, "effective June 1."
The problem for some of these homeowners is that the letters were mailed in mid-April and arrived while they were on vacation.
Even if you saw it, the letter was one of the typical insurance letters with lots of legalese. It probably puzzled policyholders as to just what it means. And, if and when they figure it out, they might have to rifle through their safe-deposit boxes to prove where they actually live.
The National Flood Insurance Program (NFIP) is $24 billion in debt. In 2012 Congress passed the Biggert-Waters Act, which would boost flood insurance premiums to make up for this monstrous shortfall.
What Congress forgot was that homeowners in flood-prone areas couldn't pay these huge increases and so would be forced out. And things only got worse when Superstorm Sandy hit later that year. Those who live along the New Jersey and New York coastline are still trying to scrape together the money to rebuild.
Congress listened to angry voters and -- in a rare bipartisan move in March both Congress and the President modified Biggert-Waters to slow down the flood insurance rate increases.
Prove it, and now
This helps, but only if you are the homeowner of record -- and can prove it -- in a hurry. These letters from insurance companies which administer the flood insurance program for the NFIP, demand documented proof showing that you live in the flood-insured property. Proof can be in the form of:
Flood insurance has drastically changed since hurricane Sandy and the flooding that we experienced in Middle Tennessee in May, 2010. We offer the FEMA rated flood insurance policies from our portfolio of carriers and would be glad to quote flood coverage for you. Average rates for our area to insure your home are between $350 and $550 per year. We would be glad to custom quote flood insurance for your home. Just EMAIL us at info@BentonWhite.com or contact one of our team members at 615.377.1212.
Posted on 05/22/2014 12:27 PM by Benton White
Tuesday, 20 May 2014
Over the years, we have gotten this question many times.
"If I drive my Grandma's car (or friends car), am I covered!?"
Insurance follows the car, so your grandmother’s policy should cover anyone who has her permission to drive the car.
Posted on 05/20/2014 10:43 AM by Benton White
Thursday, 15 May 2014
Visited our website lately!? There is SO MUCH to see, so much one can learn from our website information and so many other places on the site that helps us to serve you better through insurance. One of the newer additions to the website that is really beginning to catch on is our LIVE CHAT feature. It is a new service, available to you during business hours.
Let's say you have a quick coverage question - use LIVE CHAT
Whether you are on your phone, tablet, laptop, desktop or some other computer, simply go to our website www.BentonWhite.com, click on the CLICK TO CHAT NOW button and you immediately have access to someone who can assist you. It's a feature that not many insurance agencies use because honestly, I don't think they like to be interrupted. We want to help and LIVE CHAT is just another way we want to offer you the best, real-time service we can!
Posted on 05/15/2014 1:58 PM by Benton White
Tuesday, 13 May 2014
Consider this a public service post! It can happen to us all!
Upon first check of my email early yesterday morning, I had an order from Amazon for a $145 watch that was purchased from my account overnight. The order was completed, charged to my debit card and was being processed for shipping. I saw this 5 hours after the order was placed. My EMAIL address on my account had changed to Benton1??6@????.com. My address had been changed to a street address in Glendale, CA. As many of you have experienced (this wasn’t my first time having this occur with another vendor), I felt the helplessness and violation of my privacy. However, I knew what to immediately do.
I found the Amazon contact number. Mind you, this was 4:50AM as I was heading to workout. I dialed the number on my way to the gym, spoke with a customer service rep who immediately understood my issue. She put me on hold for less than 2 minutes and when she came back she indicated this: “Mr. White, your account has been shut down, we have voided the attempted shipment, you have not been charged for anything and our security department will email you within 48 hours so you can reset your password, re-input your banking information and do any other updates to your account.” THAT is how you handle this situation and Amazon gets an A+ for their service.
Within 1 hour (not 48), I had a long, thorough and very descriptive EMAIL on what I should do. Basically, Amazon opened up a backdoor to my account so I could access it. Then, they instructed that I change the password to some wild arrangement of characters, numbers & symbols to better protect me in the future from these – excuse me – IDIOTS that sit around and cause all of us these problems.
Interesting note: I KNOW how complicated passwords need to be. I have a program that gives me top-flight, incredibly complicated passwords and those are what I use. I can’t imagine ever having more secure passwords than what I use but guess what, one of my most complicated passwords was hacked during this event. So – nothing is safe. If we do internet, we take risks! But what I know is that the reputable companies that participate in internet commerce are prepared, as Amazon was, to immediately reverse these types of issues.
So call me crazy (and many do!), but I still think we are as safe as we can be at this point dealing with cyberspace and the privacy thereof! As the internet continues to grow, security will continue to get better. This is a great example of the BAD happening and the GOOD quickly rising up! Thought it might help you too! I hope that it does!
Posted on 05/13/2014 8:10 AM by Benton White
Friday, 09 May 2014
I am lucky enough to love and respect TWO great Mom's!
I'm blessed to have a wonderful Mom who is 83 years young. She still mows her lawn, plants her flowers and against our wishes, occasionally climbs up a step-ladder to pull something off of the roof of her beautiful home. May we all be my Mom at age 83.
Then there is the Mom that I live with. We have been blessed to raise 4 incredibly gifted children and they have now given us 9 - nearly 10 grandchildren. My wife is a Mom's mom. Her most important holiday besides Christmas & Easter is Mother's Day. She loves our kids, walks daily working hard to stay in constant connection and care for them and does not know the word NO when they ask for something. Our kids love her, respect her and want time with her and that is all any parent could ask for. She's cool, fashionable, beautiful and a definite role model for our kids. Our girls all want to be like her when they grow up and since they are now in their 30's, they are following her lead quite â€‹wonderfully. They're smart kids because they know if they do, they'll all be better for it.
So as we approach Mother's Day on Sunday, I'm sure you have a celebration set for the Mom or Mom's in your life! Make sure they know how important they are! I'll be celebrating BOTH of the mother's I love and care for. They have made me so much better and I'm forever grateful to them!
Happy Mother's Day to all!
Posted on 05/09/2014 11:17 AM by Benton White
Tuesday, 06 May 2014
There are multiple factors that determine how much you pay for auto insurance at Benton White Insurance. These factors range from your occupation to your vehicle type. For example, if you’re in the right age bracket, live in a low-risk area, and have a spotless driving record – you may be paying lower insurance rates than other drivers. However, if your circumstances make you pay high car insurance rates, here are some ways to get discounts with the many insurance companies we represent at Benton White Insurance!
1. Multi-policy discounts: The more policies you have with one company, the more that company discounts the policies that you have with them. Insuring your home, auto, personal liability umbrella, personal articles, life insurance and more can yield discounts on EACH policy and in some cases that can be 20 to 25% in premium savings for you!
2. Multi-Car Discounts: All of our companies offer significant discounts if you insure more than one vehicle on the same insurance policy. It is common that families own more than one car. If this is your case, you should ask your auto insurance company for a multi-car discount. If you have a teenage driver that you would like to insure, this type of discount is especially beneficial. To qualify for this discount you must meet the following requisites:
Sometimes a multiple vehicle discount can help you save as much as 15% on your current insurance premiums – so it pays to look into it if you own more than one vehicle!
3. Paid in Full Discounts: You can also save a lot of money by paying your auto insurance in full rather than in monthly installments. In most cases, this type of discount is offered immediately by your insurance provider (other types of discounts are not advertised and you generally have to inquire about them). This type of discount gets rid of the installment fees since you pay the full amount up-front. If you can afford to do this, it is one of the easiest and surest ways to pay less on your auto insurance.
4. Defensive Driving Course: This is a good way to get a nice discount on your auto insurance premiums. In Tennessee, you can take this course online. Becoming eligible for a defensive driver discount can help you become eligible for other additional discounts such as the safe driver discount or the accident free discount. Here is a listing of defensive driving courses offered in Tennessee. http://www.tn.gov/safety/defensivedriving.shtml
Please let us know if you would like for us to shop around for you, so we can maximize discounts for you on your insurance. We’re independent! We write for many companies & can surely find the right fit for your budget & the coverage’s you need. EMAIL info@BentonWhite.com or Call 615.377.1212.
Posted on 05/06/2014 9:45 AM by Benton White
Monday, 28 April 2014
Posted on 04/28/2014 8:20 AM by Benton White
Thursday, 24 April 2014
I'm always amazed when I get offers in the USMAIL for auto or homeowners insurance. I got another one in the last few days at my residence!
The envelope arrives looking SO official, no identification indicating who it is from - just a PO Box return address. I know it is mass mailed because there is nothing personal about it except my name and address is correct. Companies use all types of phrases to get your eyes on their mass-mail piece. I know you've seen these Solicitation Phrases:
So many questions arise and very few answers are given. I wonder many things like:
And I can guarantee you if I had a high-rated sports car (which I don't) and 2 tickets and an accident in the last 36 months (which I don't), I would NOT get their best rates.
I have more questions than those but I'll move on! After nearly 36 years in this business, here is what I know:
"You Get What You Pay For..."
At Benton White Insurance, we don't operate this way!! We quote coverage's that gives us and our clients the best ability to say YES at claim time when you really need us! I won't write insurance on anyone for the cheapest premium because the client ends up the loser! You are buying insurance for peace of mind and protection to help you with auto accident injuries, property fires, liability lawsuits, rental car coverage and so many other items we insure on your behalf. Even with my philosophy of ranking best coverage's over lowest price, we continually have premiums that are lower than most!
Don't get caught in the US MAIL solicitation racket - and yes I do mean racket! Know your coverage, know the agent you are working with and seriously review if the premium really is low because your current carrier is higher or is it really a "bait and switch" routine. Sadly, if you don't do your due diligence with your insurance, the latter could be the case! And if you ever have any questions or concerns you can always call me: 615 377-1212 or email: Benton@BentonWhite.com
Posted on 04/24/2014 10:19 AM by Benton White
Tuesday, 22 April 2014
So how did you spend your Easter?? As you can tell by this photo, ours was wonderful!
We celebrated the reason for Easter as a family grateful for the sacrifice our Father has made for us! Then, we continued the celebration with 20 friends and family at our home for lunch. Of course, there was the traditional Easter egg hunt with 7 grandkids (missed our 8th one who lives in Florida) and 140 eggs to hide. Each kid had a color and he/she found the plastic eggs that were filled with their favorite treats. Yes - they were PLASTIC eggs! 12 dozen eggs wasn't in our budget nor did we have the time to dye them!
If I was a boastful Poppy - I would show you all of the 150 pictures we took during the day. But I'll spare you with only this one. Just try getting this many to pose to a camera saying "sweet" or "cheese". If you have a trick, let us know.
Grateful for family, friends and my wonderful clients. My wife and I marvel daily at how truly blessed we are to have all that we have!
Posted on 04/22/2014 9:30 AM by Benton White
Thursday, 17 April 2014
I just received Roadside Assistance cards from my insurance company. They send these so my wife or I would be covered if we ever have car troubles, on the road; rescue cards!
In the insurance company's mail piece that came with the cards, it reads: "We're here when you need us. One call gets you help fast, 24 hours a day, 365 days a year. Service professionals get you up and running quickly or tow your vehicle if needed. Knowing you have Roadside Assistance provides peace of mind when your vehicle breaks down. Any day, any time, we're here to help with:
They give me an 800 number to call when I need them.
I'm paying $11.00 per year per car for all of that! I personally think that is a bargain and wouldn't be caught without the service. Check your policy to see if you have the coverage (or contact us and we'll check for you) and if you don't and would like it, send an email to email@example.com or call us - 615.377.1212. We will get it added to your coverage.
They say you can't buy peace of mind! With Roadside Assistance, I think you can! Pretty sweet deal!
Posted on 04/17/2014 10:24 AM by Benton White
Tuesday, 15 April 2014
Progressive Insurance is one of the most technologically advanced companies in the country. They have just announced you can now get text updates and reminders! This is just another example of their great use of communication and why their customers love them! If you are insured with us through Progressive, this is available to you now.
We work tirelessly here at Benton White Insurance to make sure that doing business with us is as simple as possible. We do the work of shopping around for you. We save you time finding the best rates and make signing up easy! Progressive is just one of our many companies we'll quote for you (they offer some of the best rates in vehicle insurance.) For help with this, or any insurance need, EMAIL us at info@BentonWhite.com or call 615.377.1212. We're ready to help!
Posted on 04/15/2014 9:50 AM by Benton White
Thursday, 10 April 2014
Spring is here and so is golf! The Masters is this week and we couldn't resist a little "insurance spin" on it. Travelers Insurance likes to use their dog as a branding icon. Here is one of the latest commercials where this not-so-good golfer gets a little help!
We proudly represent Traveler's Insurance with products that you need. They are competitive with their rates and their service in claims is second to none! We can hook you up and chances are, we'll save you money! Let us know if we can help! EMAIL us at info@BentonWhite.com or call 615.377.1212.
Posted on 04/10/2014 8:21 AM by Benton White
Tuesday, 08 April 2014
I've always said that I work hard and I play hard. There is no better “play” than when my wife and I are Mimi & Poppy to our 9, soon to be 10, grandchildren. They all live here in Nashville except for Charlie who lives with his mom and dad in Miami. He will soon be a big brother to a new little one! My wife spent this weekend in Miami with that crew, and I had a boy’s night with 5 year old Finn. We played with remote control cars, had his favorite San Antonio Taco’s, watched a little Curious George, built Lego Dude's (as we called them) and then a trip to the grocery store. It’s so fun to watch that little guy smile and enjoy everything and everyone he comes in contact with. He's such a joyful fella and his Poppy loves him so.
The next day I took Finn home to his mom and dad and I went straight to the first coach pitch baseball game for Jack. He's gifted in the sport (I know - I'm his Poppy and I would say that - but HE IS!) He was two for two at bat during that 4 inning game and got a player out at 2nd. His team - the Knights - were trailing 11 to 4 in the bottom of the 4th and the Knights came back to win it! Big fun and yes, Jack was pretty happy about it. Next was lunch with my daughter Erin, her friend Emily, Jack and his sister Lily Kate. Big fun!
To wrap it all up, I was invited to dinner Sunday night by my favorite (and only) Daughter-in-Law! My son was in Peru this past weekend on a mission trip from our church. He spoke to and encouraged over 300 men in their church (that our church helped to start) on how to be better leaders to their people. Kajsa invited me for dinner to enjoy time with her, Jake (2 1/2) and Annie (nearly 8 months). We tumbled on the floor, played with new Lightening McQueen & Mater remote control cars and just enjoyed Poppy-time with those 3. Jake loved "Light-nin LeKeen!" :)
I love my insurance work and most of the time; I call insurance a pleasure. Many days it doesn't seem like work and that’s a blessing. But if I'm honest, being husband, dad and Poppy are my most important callings! If I'm not at the office when you call sometime, you might very well find me handling duties from one of those 3 important titles.
Posted on 04/08/2014 10:54 AM by Benton White
Thursday, 03 April 2014
I want my clients to know: texting and driving in Tennessee is illegal! You also need to know that police can and will use your phone records against you.
I'm seeing it just about every day as I drive: TEXTING while behind the wheel of a vehicle. We are beginning to see insurance claims that are related to distracted driving. The government is starting a new awareness campaign in the days ahead and it is none too soon in my estimation. TEXTING and DRIVING is dangerous, lives are being lost and we all have to pay attention and take personal responsibility to end this. Even if you don't text and drive, the roads are becoming more dangerous because of those who do.
Take a look at this excellent infographic from the folks at NBC, then take a moment to watch this very moving video that will take 4 minutes of your time but could save a life.
If you have any questions concerning this email me: Benton@BentonWhite.com
Posted on 04/03/2014 10:17 AM by Benton White
Thursday, 27 March 2014
Open enrollment deadline is March 31
When the open enrollment period ends on March 31, applicants cannot purchase individual major medical plans until another open enrollment period begins. However, if a qualifying life event triggers a special enrollment period, individuals can purchase individual major medical plans outside of open enrollment. The special enrollment period for the individual healthcare coverage is typically 60 days from the date of a triggering event.
Even after this open-enrollment period passes, we can still offer you Short Term Medical insurance and other supplemental health insurance medical products outside the open enrollment period.
Posted on 03/27/2014 11:54 AM by Benton White
Tuesday, 25 March 2014
Dave Ramsey is one of the most common sense, easy to understand money advisers in our culture today. He has grown from a very small radio show many years ago here in Nashville to what is now a national following of millions. I wasn't suprised when his website blog a few days ago had an article about Dave's most popular money saving tip. He understands what we do and why we do it in the independent insurance agency system. I made a career choice based on it and he solidly promotes the concept to his readers/listeners. Independent insurance agents have choices and can cater to the needs of the insurance buying public and not to one insurance company like the non-independents. Here is a portion from Dave's website blog recently:
Everyone loves saving money. And Dave has lots of ideas for cutting back expenses—everything from brown bagging lunches to buying beater cars. But there’s one tip that Dave’s fans absolutely love. Every time we mention it, people thank us because they save hundreds—sometimes thousands—of dollars.
Maybe you’ve heard it before. If so, bear with us—many folks are just getting to know Dave. Or perhaps you’ve heard it and never tried it. If that’s you, we encourage you to go for it!
So what’s everyone’s favorite tip? Shop for insurance with the help of an independent insurance agent!
The Difference Is in the Name
Why is an independent insurance agent such a great money-saver? Because they’re not limited to a single provider’s options. With access to a whole network of insurers, an independent agent casts a wider net to find you the best deals on the coverage that’s right for you. It’s like having your own personal shopper! And you can feel confident knowing your independent agent doesn’t have a dog in the hunt when it comes to which provider or policy you choose. At the end of the day, the choice is yours.
It’s About More Than Your Bottom Line
Saving money is awesome. But cutting costs shouldn’t mean cutting corners. A true pro takes time to walk you through your coverage options so you can make the decision that’s right for you.
This is just what we do! We offer many companies to choose from and we custom make the proposal to fit the insurance buyer instead of the insurance company. We're ready to earn your business! Let me know if we can help you or someone you know to get the right insurance at the right price shopping several companie on your behalf instead of just ONE! EMAIL us at info@BentonWhite.com or phone 615.377.1212615.377.1212. Our website can tell you more at BentonWhite.com.
Posted on 03/25/2014 10:12 AM by Benton White
Wednesday, 19 March 2014
Congratulations!! You or your daughter is getting married soon and you are basking in the joy of it all. Conversations with just about everyone are focusing on wedding stories of the past. You want this to be a memorable event not only for the bride and groom, but for you as well! Because you will spend hours, days, and months making plans for this special day, have you thought about protecting your investment?
$28,400! That was the average cost of a wedding in 2012! Are you ready for this?
Just like you would protect yourself for a collision accident with your car, you can now protect yourself against unforeseen, unplanned, out-of-your control problems and all the “what ifs…”
$160.00! For as little as that sum of money, you could protect yourself with a wedding insurance policy that can cover a variety of situations, such as:
We can actually make your wedding day more peaceful than you think. EMAIL us at info@BentonWhite.com or call 615.377.1212. You can get more information about this or any other policy we offer by visiting our website at BentonWhite.com. Let us help you keep your wedding HAPPY instead of one that could really be SAD!
(article written by Lorry & Mandy at Benton White Insurance - who both have children weddings in their future!)
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Having convenience in the palm of your hand - 24/7 - is one of the big advantages of today's computer / mobile phone technology. Our companies understand this and are offering some excellent mobile apps to help you navigate your insurance portfolio you have with us. Advantages of having the mobile app readily available: Pay your bills Set up and manage automatic payments Check the Status of a claim and/or view your claim history View your insurance ID Cards View your actual policy...