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Friday, 11 July 2014
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I am blessed to have nearly 10 grandchildren (latest one to arrive the end of September!).  So, when I hear about children left in cars in the summer and there are deaths, I pay attention.  I can understand how absent minded-too many things on a parents' minds can cause this to happen but I still think there is NO excuse for leaving your child in a hot car or leave your child in a car alone period!  I don't find anyone who disagrees with me!
 
Tennessee is at the fore-front with a new law that states .... If you see a child left in a locked car and they are in danger, call 911 first and if you have to, you can break a window, damage a door or do whatever has to be done to get that child to safety.  Good for you Tennessee lawmakers!  I applaud you!  Personally, I would do that anyway and I wouldn't fear consequences if I was in that situation of seeing a helpless child needing to be freed!
 
There is national attention being paid to this.  The Today Show on NBC had a discussion on it yesterday and you can watch the video below. You can also read the full website article which was the basis for their discussion!  It's a good read and a good reminder that this problem has no place in our world!

"Last year, 44 children in the U.S. died of heatstroke in cars..That grim tally has reached 16 so far this year.." Click Here To Read Article

 
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Posted on 07/11/2014 4:33 PM by Benton White
Wednesday, 09 July 2014
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Every July 1, there are new laws that go into effect in our country and specifically in our state that have local interest.  Some of the new laws that are now in effect have insurance implications.  Here is a list that summarizes these changes:

1. KNIFE POSSESSION

A new law overrides local restrictions on knives, making it legal throughout the state to possess, own, sell, transfer and transport switchblades and knives with blades over 4 inches long. It also increases the penalties for using a switchblade to commit a crime.

2. SINKHOLES

A measure passed in March revises the state's requirement to provide coverage for sinkholes as part of homeowner policies, adding standards for verifying damage. Proponents say the changes will prevent fraud.

3. CELL PHONE SEARCHING

A law passed in April requires law enforcement to get a warrant before searching a cell phone. Supporters say the measure was bolstered by last week's ruling by the U.S. Supreme Court that such searches are illegal.

4. METH PRODUCTION

Gov. Bill Haslam pressed for new limits on sales of pseudoephedrine, a cold medication needed to make methamphetamine. Tennesseans now can buy no more than 24 daylong tablets a month or 120 daylong tablets a year.

5. ELECTROCUTION

State officials are allowed now to execute death row inmates using the electric chair if lethal injection is found to be unconstitutional or the drugs cannot be obtained. Tennessee previously gave inmates the option of electrocution if they committed capital crimes before Jan. 1, 1999.

6. CHRISTMAS IN SCHOOLS

A new measure clarifies that school districts can teach the history of Christmas and "traditional winter celebrations," as well as put up displays and let students and staff exchange traditional greetings. The American Civil Liberties Union said these activities were already allowed.

7. SEX ABUSE EDUCATION

Legislation known as "Erin's Law" requires the Department of Education and the Department of Children's Services to begin developing a school curriculum on sexual abuse.

8. HOT CARS

A bystander who breaks a window to remove a child from a locked car would be immune from civil liability, under a law passed in April. The measure comes amid rising concern about children being left in car seats on hot days.

9. STANDARDIZED TESTING

The big legislative fight over Common Core education standards ended with a one-year delay to new testing. Lawmakers also placed restrictions on how student data can be used.

10. SPECIALTY PLATES

Organizations that rely on sales of specialty plates for revenue can now ask supporters to give them to friends and relatives. Tennesseans previously could buy plates only for themselves.

11. TRANSDERMAL MONITORING

"Amelia's Law" clarifies that judges can order offenders or parolees to wear transdermal or other monitoring devices after release. The bill is named after Amelia Keown, a Maryville teenager killed in a 2012 accident.

12. INDUSTRIAL HEMP

For the first time in decades, state law allows farmers in Tennessee to grow hemp, a cousin of marijuana whose fibers can be put to industrial use.

13. CORKSCREWS

Grocery stores won't be able to sell wine until the summer of 2016 at the earliest, but one liquor restriction is lifted July 1. Liquor stores will be allowed to sell items other than alcohol, including corkscrews, mixers, snacks, beer and cigarettes.

14. YELLOW LIGHTS

A new state law clarifies that drivers can run yellow lights as long as their front tires cross the stop line before it turns red. As if Tennesseans weren't doing this already.

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See the original post at The Tennessean - Click Here

If you have questions about your insurance policy or need help getting the right insurance please let us know.  If we can help you, simply email us at info@BentonWhite.com or call our team at 615.377.1212

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Posted on 07/09/2014 2:17 PM by Benton White
Tuesday, 01 July 2014
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So how do you prepare for care when you can't care for yourself?  What responsibility will you have for yourself?  What responsibility would you think your family should or might have in caring for you later? Did you know you can purchase insurance where both of those issues are resolved!?

Long term care insurance helps prevent you or your family getting eaten alive with these later in life care expenses! For pennies a day, you handle later life care so that you, not anyone else, will be responsible for it!   TWEET THIS

Check out this infographic from Pew Research, it gives you a good statistical summary about financial support for family members later in life!

If you have questions about your insurance policy or need help getting the right insurance please let us know.  If we can help you, simply email us at info@BentonWhite.com or call our team at 615.377.1212

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Posted on 07/01/2014 1:27 PM by Benton White
Friday, 27 June 2014
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At Benton White Insurance, we have several claims per year based solely on the results of lightning strikes. Often times they cause electrical appliance or system damage to heating/AC units.  It seems our area is quite prone to these damaging lightning strikes that could be cause for an insurance claim.  Read more in this article today from Bloomberg:

Georgia tops a shocking list: most likely place to have property damaged by lightning.

Georgia residents were reimbursed for $56 million in lightning-related damage to homes last year. There were more than 11,000 claims, according to a top-10 list from the Insurance Information Institute. Texas ranked second at $54.2 million.

Once lightning is "in the wiring, it's electrifying anything connected to that," John Jensenius, a lightning-safety specialist at the National Weather Service, said in a phone interview. "Televisions, and even things like microwaves, they all have little chips in them so they all can get fried pretty easily."

Lightning cost insurers $5,869 per claim in the U.S. last year, more than double the average in 2004, as homeowners added electronics such as computers and high-definition televisions. Still, the total expense for the industry declined 8.4 percent nationwide in that span, to $673.5 million in 2013, because better lightning-protection systems and fewer storms decreased the frequency of claims, the industry group said.

Warm, moist air from the Gulf of Mexico and Atlantic Ocean make states in the U.S. Southeast more prone to thunderstorms, Jensenius said. North Carolina had the third-most claims, and Louisiana ranked fourth. The storms are most frequent in the U.S. in the spring and summer months, and this week is Lightning Safety Awareness Week.

Homeowners are advised to unplug equipment before a storm hits. Once a storm is under way, handling plugs can risk electrocution, Jensenius said.

If you have questions about your insurance policy or need help getting the right insurance please let us know.  If we can help you, simply email us at info@BentonWhite.com or call our team at 615.377.1212

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Posted on 06/27/2014 1:14 PM by Benton White
Tuesday, 24 June 2014
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You see situations like this and it makes you keenly aware, with such commitments and expenses involved in weddings, it's nice to know we have insurance that will "have your back" if there is an event problem.  The premium is extremely economical too - $25,000 of cancellation/postpone protection is only $255.00.  Plus there are so many other items of coverage attached to that premium - included FREE!  Visit our dedicated website here http://bit.ly/BWIwed for the Travelers Wedding Protector program.  Our wedding protector coverage could turn a tragic wedding problem into a much happier outcome! (Tweet this!)  If you would like more information, emai us info@BentonWhite.com or call us 615.377.1212.  We're ready to help!

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Posted on 06/24/2014 2:59 PM by Benton White
Thursday, 19 June 2014
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On our last blog update, we began a conversation about Travel Medical insurance and the importance of it.  For Part 1 of this 2 part series, please refer to the blog post PRIOR to this one. (Mark - if you can direct link here - that would be good!)  Here is more specific information about what you can expect to receive in the purchase of your travel medical insurance.

What does it cover?

The following coverage is typically found in a Travel Medical insurance plan.

  • Reimbursement for unexpected medical costs due to emergency medical care.
  • Reimbursement for unexpected dental costs due to an accident.
  • Advance payments to medical facilities and help get emergency medical transportation when you are injured.
  • Coordination of and payment for emergency medical evacuation services, including medical care providers to attend to you until you reach an appropriate medical care facility.
  • AD&D and travel accident benefits to help take care of you or your family if you are seriously injured or killed while traveling.
  • Emergency travel assistance services to help you locate a local an appropriate medical facility to care for your medical needs and those of your family.

Examples of travelers that might buy it

Travelers like these should purchase travel medical insurance:

  • US Citizens going abroad. A typical health insurance plan doesn't extend outside the U.S. borders, so if you're traveling abroad, you'll want travel medical coverage for accidental illnesses and injuries that occur outside your health insurance coverage zone.
  • Visitors to the US. When family members visit from abroad and stay a few days or even a year, they should have coverage for their stay.
  • Business travelers working overseas. If your health insurance plan doesn't extend outside the U.S. (and most don't), you'll need some medical and evacuation coverage if you're working overseas.
  • Expats and long-term travelers. Not only does your own health insurance (even Medicare) fail to cover you outside the U.S., if you are visiting multiple countries, you'll want to ensure you have the same coverage no matter where you travel.
  • Missionaries and foreign aid workers. Just because you are traveling to make a difference in someone else's life doesn't mean something bad can't happen to you. Be sure you are protected in case you have a medical emergency or need to be evacuated to safety.

What are the types of Travel Medical plans?

Travel medical plans come in three types:

  1. Single trip travel medical (the most commonly purchased) this is coverage for a single trip up to six months. It covers the length of the vacation and is paid for up front.
  2. Multi-trip travel medical this coverage is for multiple trips and often purchased in 3, 6, and 12-month segments.
  3. Long-term major medical this is continuous medical coverage for the long term traveler and typically paid on a monthly basis. These plans can often be renewed.

How much does Travel Medical Insurance cost?

Since travel medical insurance does not provide trip cancellation and other package-like benefits, the cost of the plan is often quite economical.

A typical single trip travel medical plan can range from $40-$80 for a relatively short overseas trip. In general, the premium amount for a travel medical plan is based on:

  • The length of the trip
  • The age of the traveler
  • The medical and evacuation coverage limits

While some travel medical plans will cover a few package-like benefits, the typical travel medical plan does not cover trip cancellation, trip interruption, baggage loss, travel delays and other benefits typically associated with package plans!  Travel medical plans are meant for anyone traveling outside the continental United States seeking medical insurance protection outside their home coverage network.

Even though this is a simple policy to get and the pricing is more than fair based on benefits, my team can help you navigate through this and actually issue a policy for you by phone immediately.  Let us know if we can help before your next trip outside the USA.  Our best provider of this type of protection is IMG (International Medical Group).  You can click here for our IMG website and get complete details including information about the Patriot Platinum policy that my wife and I purchased recently.  Email us at info@BentonWhite.com or call us personally at 615.377.1212.  A few pennies can save you a lot of financial hardship when you have International Medical Insurance. (Tweet this!)

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Posted on 06/19/2014 2:47 PM by Benton White
Tuesday, 17 June 2014
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My wife and I recently traveled outside of the US for vacation.  I did my research on how our personal medical insurance would take care of us outside the US and would it be enough if something happened to either of us.  The big answer was NO!  There were gaping holes in what our personal insurance coverage would provide outside of the continental US.  Even though I offer travel medical coverage and have for several years, I knew it was time to put the company that I worked with to the test and what better way than for me to use them for me!  The experience was a positive one.  More about that later!

Here is what you need to know about travel medical coverage:

Travel medical insurance is for travelers who are leaving their home country. It provides coverage for medical emergencies and evacuations. Depending on the company selling it, it is sometimes called International Medical Insurance, International Travel Insurance, or Worldwide Medical Insurance.

How is Travel Medical different from other types of insurance?

These plans are for travelers leaving their home country that are concerned with coverage abroad. Many insurance plans don't cover you once you leave the US, and an accident or illness abroad would not be covered.

Biggest difference: It focuses on emergency medical/evacuation vs trip cancellation coverage's

With a travel medical plan, the focus is on emergency medical and evacuation costs.

If you are abroad and have an accident or become ill, it would cover medical costs for you. Emergency dental treatment is usually included and emergency transportation (ambulance, air lift) services are also covered.

Emergency medical evacuations will get you out of a remote area and transported to a place where you can receive proper medical care. If you are killed or die on your trip, the repatriation coverage will ensure your body is properly transported home or to a funeral home nearby.

Travel medical plans often include some Accidental Death and Dismemberment (AD&D) and/or term life benefits which are paid regardless of any coverage you may have back home for a covered injury. This coverage can fill out your life insurance benefits and provide extra coverage for you or your family in the case of a serious accident.

It is cheaper than trip cancellation insurance

Medical plans are priced based on age, trip length, and coverage amount. This usually adds up to a few dollars per day, so it is a very economical way to get emergency medical coverage abroad.

Trip insurance with cancellation, interruption, delay, baggage coverage, etc, are based mostly on the cost of the trip. It usually costs 4-10% of the insured trip cost, so these plans can easily be in the hundreds of dollars.

It has some trip insurance benefits in some plans

Some medical plans offer a few trip insurance-like benefits such as minimal trip interruption coverage, coverage for lost or delayed baggage and even trip delays.

This is a nice additional benefit, but if you are looking for true trip insurance benefits you should look at that type of plan.

Examples of why would you need emergency medical coverage:

  •     You're sent on a long business trip and contract a severe case of food poisoning.
  •     You trip on a cobblestone street and break a tooth.
  •     You are traveling ahead of your church missionary group to organize housing and get in a traffic accident.
  •     You are traveling in a foreign country with your children and are injured in a fall.
  •     You want the assurance of having travel medical assistance services to help you in an emergency.

Even though this is a simple policy to get and the pricing is more than fair based on benefits, my team can help you navigate through this and actually issue a policy for you by phone immediately.  Let us know if we can help before your next trip outside the USA.  Our best provider of this type of protection is IMG (International Medical Group).  You can click here for our IMG website and get complete details including information about the Patriot Platinum policy that my wife and I purchased recently.  Email us at info@BentonWhite.com or call us personally at 615.377.1212.  A few pennies can save you a lot of financial hardship when you have International Medical Insurance. (Tweet this!)

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Posted on 06/17/2014 2:15 PM by Benton White
Thursday, 12 June 2014
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This is a good article from Forbes about a less common but essential insurance policy. A rise in liability law suits is leaving the potential payouts to be astronomical. You don't have to be a billionaire to fall foul to these types of actions.

Read the full article here at Forbes: The 1% Fear Being Sued But Shun Umbrella Insurance...

One example:
"An individual was involved in a minor accident on his way to an airport. Both he and the driver of the other car agreed they felt fine and didn't need police assistance until his relative arrived in a $200,000 car to help him catch his flight. Suddenly, the other driver complained of pain and insisted they call the police. The case was eventually settled for a substantial sum." (excerpt from Forbes)

 

We can help with personal or commercial liability umbrellas.  We write these consistently on people who just want to sleep better at night knowing that they have that extra level of protection.  If we can help you, simply email us at info@BentonWhite.com or call our team at 615.377.1212

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Posted on 06/12/2014 2:41 PM by Benton White
Tuesday, 10 June 2014
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Keep Your Eyes On The Road!

We cannot impress upon our customers, friends, family and the general public enough that using a mobile phone behind the wheel can kill you, your passengers or fellow drivers!  How fast would your reaction be if you had been in this movie theater?!

Watch this very effective video from the folks at Volkswagen. Watch and share and help avoid preventable disaster on the road.

We're here to help you stay safe and be correctly insured if you happen to have an accident.  Just do your best not to have one this way.  Let us know if you need us for anything by emailing info@BentonWhite.com or Call Us 615.377.1212.  We're ready to help in any way we can and to earn your business!

Tweet: Mobile Use Is Now The Leading Cause of Death Behind The Wheel - Keep Your Eyes On The Road! Watch this video: @bentonwhiteins

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Posted on 06/10/2014 11:12 AM by Benton White
Thursday, 05 June 2014
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We have talked a lot about roofs to our customers in the last couple of years.  The reason is that we have replaced so many roofs because of straight line wind and hail damage.  In my agency alone, we have replaced over $1,000,000 in roofs in the last 24 months.  The costs to insurance companies for roof replacements has been one of the main culprits that has caused homeowners insurance rates to escalate at a much higher pace than normal in recent months.  Frankly, insurance companies are tired of replacing roofs and the costs associated with them.  That is why many companies just aren't paying for full replacement costs of roofs any longer.  They have gone to an Actual Cash Value (ACV) settlement basis.  I explain it this way:  Joe Homeowner has a 10 year old roof that has an actual cash value replacement of around $8,000.  A storm comes along that causes serious damage to that roof either by wind or hail.  Some of these insurance companies now would appraise the loss at $20,000 to replace the roof.  But because they no longer pay for the replacement any longer, they pay the actual cash value amount of $8,000.  That leaves Joe Homeowner in a really bad place.  He pays the balance to get his roof replaced - $12,000!  Ouch!

My companies have not gone to that ACV settlement basis yet.  They are still paying for full replacement cost.  However, some are changing their deductible requirements to have a higher deductible for Wind/Hail losses.  Most are using $2500 to $3000 deductibles for Wind/Hail as the minimum available.  That keeps their company still paying for full replacement but places some added responsibility on the insured to carry a little more of the load.  There also is a slight premium reduction on the home policy cost because of that required Wind/Hail deductible minimum.

This is a key component of how homeowners insurance rates are priced right now.  Companies are still researching alternative ways to insure our homes and are trying to protect themselves from further financial pitfalls by adjusting some of these coverage's.  We'll hopefully see a settling down of these issues in the next 12 months.  Of course, it mostly depends on how gentle our weather patterns are in this Middle Tennessee area as we go along.  The more calm/non-claimable weather we experience, the better chances we all have in filing less claims and having higher premiums as a result.  One can only hope!

We work hard to be sure our customers are best served with the best coverage's for the lowest premium dollar!  It is still our pleasure to fully cover roofs and hopefully, we'll be able to continue to to do that in the future.  If we can help you with insurance of any kind and quote some of our competitive rates for you, we're ready to earn your business.  Contact us at info@BentonWhite.com or call us at 615.377.1212. 

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Posted on 06/05/2014 2:51 PM by Benton White
Tuesday, 03 June 2014
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Since summer months are high claim filing months as it pertains to teenage drivers and accidents, we continue to emphasize risks facing  teen drivers and how to prevent some of these accidents we see at this time of the year.

This is real stuff!  We have had claims in the last week here in the agency caused by teen drivers and one was a head-on collision in the last 48 hours.  We're working on that claim today!  

The danger is there and we know first hand.  My wife and I lived through 4 teenage drivers in our home and they all had driving events that were claims on the vehicles they were driving.  We're just grateful to say there were no serious injuries with their events.  Many are not so lucky!

I saw the following on the news last night and thought it was worthy of information you might could take and use in your own home - especially if you have teen drivers driving your vehicles.

Check out this two minute NBC video:

As always, thanks for your business and the opportunity we have to work with you. And if we don't yet have that opportunity, please let us know how we might serve you in insurance.  EMAIL us at info@BentonWhite.com or call me personally at 615.377.1212.  We're ready to earn your business too!

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Posted on 06/03/2014 3:40 PM by Benton White
Thursday, 29 May 2014
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The Tennessean has continued this campaign to raise awareness about driver safety especially among new and teenage drivers. The campaign is called Safe Summer TN and provides parents with the tools they need to educate their teens before driving. Check it out here!  This article spells it out with the story of Jacob Dyles who weeks before heading off to his freshman year of college, ends up in hospital for 3 months and years of recovery. It was all because of driving too fast. The story has a hopeful outcome, but still a warning to us all. So if you have any new teen drivers or know any, this is worth reading and sharing.

Read Article: Teen driving safety is goal of Tennessee summer campaign

As always if there is anything we can do to help with insurance needs for you or your new drivers. Please  EMAIL us at info@BentonWhite.com or contact one of our team members at 615.377.1212.

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Posted on 05/29/2014 11:54 AM by Benton White
Tuesday, 27 May 2014
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Teen Driving Safety

Vehicle crashes leading cause of teen death

Jessica Bliss of the Tennessean reports that parents 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.  
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Posted on 05/27/2014 2:20 PM by Benton White
Thursday, 22 May 2014
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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.

Biggert backstory

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:

  •     Voter registration card.
  •     Documentation of where your child or children attend school.
  •     Driver's license or similar document.

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.

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Posted on 05/22/2014 12:27 PM by Benton White
Tuesday, 20 May 2014
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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.
Even if you had an insurance policy of your own, your grandmother’s policy would pay first if you crash her car.
If you hit someone while driving her car, her liability insurance would pay for the cost of any injuries to the other driver or repairs to their car. The costs of repairing your grandmother’s car would be paid by collision coverage, if she has it, or out of pocket if she doesn’t. You’ll be raking leaves until you’re 30 to pay her back.

So you don’t have to buy a policy of your own. That’s the good news.

The bad news is that if you routinely drive your grandmother’s car, you may need to be added to her policy as a listed driver – meaning her rate calculations would include you. Young drivers have many, many times more accidents than grandmas do, so it’s likely her rates would rise.

Your grandmother might try check out what the rate for her auto insurance would be with you as a listed driver and without.  Or she can simply call her current insurer and describe the situation.  Better to find out ahead of time rather than have a claim rejected.

We answer this question often and analyze rates both with an additional driver and without.  Can we assist you?  Please contact us at info@BentonWhite.com or feel free to call one of our team members at 615.377.1212.  We're here to help!

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Posted on 05/20/2014 10:43 AM by Benton White
Thursday, 15 May 2014
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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
-or-
if you phone us and get voice-mail (and we hope that doesn't happen much) - use LIVE CHAT
-or-
you have an accident and need to start a claim - use LIVE CHAT from the scene.

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!

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Posted on 05/15/2014 1:58 PM by Benton White
Tuesday, 13 May 2014
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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!

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Posted on 05/13/2014 8:10 AM by Benton White
Friday, 09 May 2014
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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 ​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!

Now to close, have you seen Kid President?  This kid has got it going on!!!  He has some great points with humor about Mom's and how important they are to us all!  Enjoy a little FUN but meaningful video from a young man who makes me smile when I watch this!

Happy Mother's Day to all!

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Posted on 05/09/2014 11:17 AM by Benton White
Tuesday, 06 May 2014
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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:

  • Each vehicle must be insured under your name and can only be driven by other family members that live under the same roof, and yourself.
  • All of your vehicles must be covered by the same insurance provider. If you have vehicles that are insured by other providers, you will have to cancel the policies and insure them under a single insurance company.

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.

 

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Posted on 05/06/2014 9:45 AM by Benton White
Monday, 28 April 2014
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Hi Folks,

It's Spring and with the beauty of the season comes ugly weather.  Based on reports I trust most, today and tomorrow could produce strong winds, hail and possible tornadoes.  The latest severe weather front is headed our way, so please stay vigilant.
 
At one time, tornadoes meant severe weather but from an insurance point of view, STRAIGHT LINE WINDS and HAIL are additional claim causes which actually have been causing us more problems in the last couple of years than tornadoes!  We have a threat of all three in the next 24 hours. Insurance property rates in this area have increased in the last two years mostly because of these three causes for claims.  
 
Be vigilant as the front approaches and know your safe place. Keep an eye on the storm with your phone, tablet, laptop, TV or radio.  Make sure your portable items are charged to capacity so you can keep a close eye on this storm.
 
 
If you need us for anything claim related, WE ARE HERE AND READY! You can now file a claim right on our website and on your phone - just click here and hit the FILE A CLAIM button!
 
 
I can be reached at any of the following:
 
Reaching Benton White Insurance
Twitter: #BentonWhiteIns
Facebook: Facebook.com/BentonWhite
Benton White Insurance Blog: www.BentonWhite.com/Blog/
Benton White Insurance website: www.BentonWhite.com
Phone: 615.377.1212
Email us: info@BentonWhite.com
 
 
Our claim teams can help you 24/7 to assist you in filing a claim:
 
 
Our Claim Teams!
Travelers Claims: 800-Claim33 (800.252.4633) Web: http://travl.rs/1gL8GmB
Auto-Owners Claims: 800-ClaimAO (800.252.4626) Web: http://bit.ly/1jLTFAJ
Progressive Claims: 800-Progressive (800.776.4737) Web: http://pgrs.in/1jSHwgz
Kemper Claims: 888.252.2799 Web: http://bit.ly/Qjk3Ic

We fully understand insurance isn't worth much if we're not there when you need us.  Hopefully, we'll all pass through another storm front with no issues.  But we want to make sure you have the information you need to reach us if needed.
 
 
Thanks for your business and know, we are here to serve you when you need us.  Keep this information handy so we can!
 
 
Benton.

 

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Posted on 04/28/2014 8:20 AM by Benton White
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Benton's Blog

Hit-and-Run Deaths hit RECORD High!

WASHINGTON, D.C. - More than one hit-and-run crash occurs every minute on U.S. roads, according to new research from the AAA Foundation for Traffic Safety. These resulted in 2,049 deaths in 2016 – the highest number on record and a 60 percent increase since 2009. With the number of hit-and-run crashes on the rise, AAA is calling for drivers to be alert on the road in order to avoid a deadly crash and always remain on the scene if a crash occurs. AAA researchers examined common characteristics...

Why Does ANYONE Do This?

We have been candid and completely forthright with our thoughts about TEXTING and DRIVING or DISTRACTED DRIVING!  One action IS NOT worth the results of what can happen when you are behind a wheel of a car or riding with someone driving who gets distracted. AT&T has come forward with their “IT CAN WAIT!” campaign and it’s eye-opening to say the least.  I’ll say no more and let this following video speak for us and so many others in saying: “IS IT WORTH IT!?” .embed-container { position:...

Homeowners Insurance!  Do You Have Enough Coverage?

We have coverage discussions on two levels most often here in the insurance agency. From the customer: “I’m not sure I have enough coverage on my home or on my property.  How much is enough?” From the insurance company: “You just wrote a new home insurance policy for one of your insured’s and our walk-around inspection indicates the dwelling value amount is too low.” It’s been interesting determining dwelling values over the last couple of years simply because, as the video below will...