Four-wheel anti-lock brake system (ABS) is a safe, effective braking system when used properly. It offers an important safety advantage by preventing the wheels from locking during emergency braking situations, allowing drivers to maintain steering control and operate vehicles more effectively. To take full advantage of the maximum safety benefits drivers must learn how to operate their anti-lock brake systems correctly. The National Safety Council shares these recommendations by the ABS Education Alliance:

DO's

1. Keep your foot on the brake.

2. Maintain firm and continuous pressure on the brake while steering to enable four-wheel ABS to work properly.

3. Avoid pumping the brake, even if the brake pedalis pulsating. In light trucks that are equipped only with rear-wheel anti-lock brakes, however, the front wheels can still lock up. If that happens, the driver should ease up on the brake pedal with just enough pressure to allow the front wheels to roll again so you can steer.

4. Allow enough distance to stop. Follow three seconds or more behind vehicles when driving in good conditions. Allow more time if conditions are hazardous.

5. Practice driving with ABS. Become accustomed to pulsations that occur in the brake pedal when ABS is activated. Empty parking lots or other open areas are excellent places to practice emergency stops.

6. Consult the vehicle's owner's manual for addi­ tional driving instructions on the anti-lock brake system.

7. Know the difference between four wheel and rear-wheel ABS. Four-wheel ABS is generally found on passenger cars and is designed to maintain steering ability in emergency braking situations. Rear-wheel ABS, found exclusively on light trucks, is designed to maintain directional stability and prevent the vehicle from skidding sideways.

DON'Ts

1. Drive an ABS equipped vehicle more aggressively than vehicles without ABS. Driving around curves faster; changing lanes abruptly or per- forming other aggressive steering maneuvers is neither appropriate nor safe with any vehicle.

2. Pump the brakes. In four-wheel ABS equipped vehicles, pumping the brake turns the system on and off. ABS pumps the brakes for you automatically, at a much faster rate, and allows better steering control.

3. Forget to steer. Four wheeled ABS enables drivers to steer in emergency braking situations, but the system itself does not steer.

4. Be alarmed by mechanical noises and/or slight pedal pulsations while applying the brake in an ABS-equipped vehicle. These conditions are nor- mal and let the driver know ABS is working.

TIPS FOR DRIVING WITH ABS

1. Always "brake and steer" when using four-wheel anti-lock brakes. With ABS, all you have to do is "brake and steer". With four-wheel ABS, push the brake pedal while steering normally and keep your foot firmly on the brake pedal until the car comes to a complete stop. Don't take your foot off the brake pedal or pump the brakes, because that will disengage the anti-lock system.

2. Remember that you can steer while you are braking with four-wheel anti-lock brake systems. Steer clear of hazards while keeping your foot firmly on the brake pedal. However, always be aware that no vehicle will steer as easily on a slippery road as it would on dry pavement.

3. Drive safely, because your anti­lock brakes are only as good as the driver using them. Anti-lock brakes cannot compensate for driving faster, driving more aggressively, or maintaining un- safe following distances. They cannot guarantee recovery from a spin or skid prior to an emergency braking situation. Avoid extreme steering maneuvers while your anti-lock brake system is engaged.

4. Expect noise and vibration in the brake pedal when your anti-lock brakes are in use. These sensations tell you the ABS system is working properly.

5. Anti­lock brake systems can stop a vehicle more quickly than conventional brakes on wet paved surfaces and on icy or packed snow-covered roads. Stopping distances can be longer on loose gravel or freshly fallen snow, although drivers won't experience the lock­up of the wheels usually associated with conventional hard braking. Therefore, drivers will still have the ability to steer around objects in front of them -- such as another car.

6. Know that there is a difference between four­wheel and rear-wheel ABS. Four-wheel ABS prevents wheel lock on all four wheels giving the driver improved control over steering. Drivers of four-wheel ABS cars should step firmly on the brake in an emergency stopping situation and keep their foot on the pedal.

7. It's easy to find out whether your car has anti­ lock brakes. To determine if your car has anti- lock brakes, look for an illuminated ABS symbol on your dashboard immediately after starting the engine, check your owner's manual, or ask your dealer.

Remember to practice safety. Don't learn it by accident.

SOURCE: Information received from the National Safety Council -- A Membership Organization Dedicated to Protecting Life and Promoting Health and the Texas Department of Insurance, Division of Workers' Compensation.

Can you read the road? You may be surprised at what you learn!

· Highways. Even-numbered roads with 2 digits run east-west.

· North-south Interstates have odd numbers with two digits.

· Interstate routes with three digits are beltways, loops, or spur routes.

1. True or False? Yellow lines on the road separate traffic traveling in the same direction.

Answer: False. Yellow lines on the highway, whether solid or dashed, generally separate traffic going in opposite directions.

2. Do you know what a yellow EXIT ONLY panel below a green freeway guide sign means?

Answer: A yellow EXIT ONLY panel below a green freeway sign means that the lane under the panel becomes the exit ramp. If you remain in the lane, you must exit the freeway.

3. What does a flashing DON'T WALK or a don't walk symbol tell you?

Answer: A flashing don't WALK or a don't walk symbol tells pedestrians already in the street that they should continue across; but tells pedestrians still on the curb not to start walking. Once the signal stops flashing and shows a steady DON'T WALK, pedestrians should not leave the curb.

4. Are you permitted to cross a double solid yellow line?

Answer: The only time that you are permitted to cross a double solid yellow line is when you are making a left turn into a driveway or business entrance.

5. What does a pentagon-shaped sign mean?

Answer: The pentagon-shaped sign with the point to the top warns us to watch for school children. The new optional color for these signs - fluorescent yellow- green - is much easier to see in low light and foggy/ rainy weather.

6. What do the familiar red, white, and blue shield signs tell drivers?

Answer: The familiar red, white, and blue shield sign tells drivers they are traveling on an Interstate

7. What is the purpose of the green and white "mile markers"?

Answer: The green and white "mile markers" help us gauge how far we've driven, or how far we need to drive through a state. They can also be used to identify location in case of an emergency.

8. What are the orange diamond signs used for?

Answer: Orange diamond signs are construction signs that are specifically used to warn drivers about construction and work zone activity. Remember that in a work zone, a flagger has the same authority as a regulatory sign, meaning you can be cited for disobeying his or her directions. Don't forget to slow down and give road crews a break.

9. In a "weaving section" where traffic is entering and exiting a freeway interchange, who is required to yield the right of way?

Answer: One of the most hazardous lane-management situations occurs when freeway traffic is exiting and entering in the same area. During this "weaving" situation, vehicles entering the freeway have to yield the right of way to thru traffic and exiting traffic.

10. What type of roadway are you traveling on if you are on Interstate I-494?

Answer: If you're on an Interstate highway with the number I-494, you are probably traveling on a beltway, loop or spur.

Remember to practice safety. Don't learn it by accident.

___________________________________

SOURCE: This factsheet was published with information from the Network of Employers for Traffic Safety and the Texas Department of Insurance, Division of Workers' Compensation (TDI-DWC) and is considered accurate at the time of publication.

SELECTING THE BEST SNOW TIRES

Texans can experience heavy snow conditions, perhaps especially in the more northern sections of the state - although the southeast part of the state experienced significant snow fall as recently as December 4, 2009. If you live in an area where it snows a fair amount you should get four good snow tires. Nothing will make a bigger difference. Safe driving anytime can reduce the incidence of loss from traffic accidents - and an contribute to lower insurance rates.

The following summarizes information about snow tires.

1. Every manufacturer puts out good snow tires - or winter tires, or all season tires. The difference in performance is in making sure the tires are the right size for the car and the right feel for the driver.

2. Some tires have deeper treads and larger lugs and offer a noisier ride on dry pavement but more traction in snow. Other tires have less pronounced tread, somewhat less traction but offer a quieter and smoother ride on dry pavement.

3. Never mix radials and normal tires.

4. The American Automobile Association advises you to check tires for war and to make sure they are properly inflated. Colder temperatures mean a difference in air pressure. The formula is 1 psi for every 10 degrees Fahrenheit of temperature. You should check tire pressure often, before setting out, when the tires are cold, especially in fall and spring when temperatures are changing most dramatically.

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Source: Compiled from www.onthesnow.com

DRIVING AND TAILGATING

Many people have experienced the frustration of traveling behind slow-moving vehicles. Under these conditions, many drivers are tempted to follow more closely than they should. This practice, commonly referred to as "tailgating," is risky and can lead to rear-end collisions or other accidents. According to the National Highway Traffic Safety Administration (NHTSA), rear-end collisions account for approximately 23 percent of all motor vehicle crashes, resulting in approximately 2,000 deaths and 950,000 injuries.

What Happens When We Tailgate?

When drivers tailgate, they significantly reduce their stopping distance-or the distance needed to come to a complete and safe stop. What many drivers don't realize is that stopping distance is directly proportional to the size and weight of the vehicle. For example, the stopping distance is much longer for a heavy truck than it is for a passenger vehicle, such as a car. In fact, it takes about twice the distance to stop a heavy truck than it does a car.

Other critical driving elements drivers sacrifice when tailgating are perception and reaction times. Perception and reaction times are two separate intervals of time. Perception is the time we need to see and process the roadway hazard, while reaction time is the time needed for a driver's body to physically react to their brain's perception. When a driver tailgates, both are significantly reduced. According to the American Association of State Highway and Transportation Officials, it takes alert drivers approximately two seconds to see a roadway hazard and react to it. The more space a driver allows between their vehicle and the vehicle in front of them, the more time they have to see a hazard and react safely.

Add Another Second

A driver's best defense against becoming involved in a rear-end collision is to create a "safety cushion" by keeping at least two seconds between them and the vehicle in front of them. This allows time for the driver to perceive and react to a roadway hazard, ultimately avoiding an accident. For added protection, when driving in poor conditions, such as driving at night, in bad weather, in heavy traffic, and through roadway construction, drivers should double their safety cushion to four seconds.

Remember to practice safety. Don't learn it by accident.

____________________________________________

SOURCE: This fact sheet was produced with information from the Network of Employers for Traffic Safety and the Texas Department of Insurance, Division of Workers' Compensation.

The National Highway Traffic Safety Administration estimates that the principle causes of about 100,000 police reported road crashes each year are driver drowsiness and fatigue.

Drowsiness is as dangerous to driving as falling asleep at the wheel. Most drivers have experienced fatigue and the trance-like state caused by staring too long at the white lines in the center of the road. Road trance can result in slow perceptions and reaction times, and can leave drivers unable to remember how they reached their destination.

Symptoms of driver fatigue and road trance:

• Burning sensation in the eyes

• Eyelids feel heavy

• Inability to focus eyes

• Muscles begin to twitch

• Back tension

• Yawning

• Thoughts wander and are disconnected

• Limbs feel heavy, or light and tingly, or numb • Breathing becomes shallow

There are some very basic causes of fatigue. Lack of sleep or poor quality sleep is often compounded by poor diet, being overweight, lack of exercise, and consuming alcohol. In our daily lives it is sometimes difficult to eat a balanced diet, get adequate exercise, or even have a restful sleep. A long road trip, or driving for a living, can create even greater obstacles to our wellbeing. This is why we need to take an active part in prevention when it comes to driving in a tired or distracted state.

Here are some recommendations to help prevent driver fatigue and road trance:

• Get regular exercise

• Plan a healthy, well-balanced diet

• Aim for seven or eight hours sleep

• Start out as early in the day as possible

• Eat a light meal before driving, not a heavy one

• Avoid driving alone whenever possible

• Keep trips to reasonable distances

• Try to avoid long night drives

• Keep driver's area cool and well ventilated

• Avoid soft music, change radio stations often

• Talk to passengers without being distracted

• Watch for road and traffic signs

• Drive with an erect posture, with legs at a 45-degree angle

• Take breaks every two hours or 100 miles

• On break, get out of the vehicle and walk, jog or stretch

• Avoid driving during hours when you would normally be sleeping

• Stop to eat snacks or light meals

• Avoid alcohol and any medications that might cause drowsiness

• Sing, chew gum, stretch, vary driving speeds, and listen to the radio to keep alert

• Wear sunglasses only during daylight hours

• If it is essential, pull over and take a nap of no more than 20 minutes. Any longer will make you feel groggy.

These suggestions will help avoid accidents that often result from driver fatigue and road trance. An alert driver is a safe driver.

Remember to practice safety. Don't learn it by accident.

______________________________________

SOURCE: The Texas Department of Insurance, Division of Workers' Compensation (TDI/DWC)

DRIVING DISTRACTIONS FACT SHEET

Eliminating Distractions

A recent National Highway Traffic Safety Administration study performed by the Virginia Tech Transportation Institute has reported that "nearly 80 percent of crashes and 65 percent of near crashes involved some form of driver inattention within three seconds before the event. Primary causes of driver inattention are distracting activities, such as cell phone use, and drowsiness." Some of the highest risk distractions while driving are reaching for a moving object, an insect in your vehicle, looking at an object outside the vehicle, entering data on a hand­held device keypad, changing a CD, applying makeup, and reading. Professional drivers should eliminate distractions from their driving habits and know how to identify other drivers who may be distracted while driving.

Professional drivers can use the following steps to avoid being distracted while driving.

· Get adequate sleep before any trip because fatigue can decrease attention and reaction time.

• Don't drink alcohol before driving.

· Avoid taking medication that causes drowsiness, either before the trip or while driving.

• Pre­program radio stations.
• Pre­load favorite CDs or set up your iPod.
• Clear the vehicle of unnecessary objects.

· Review and become familiar with all safety and usage features on any in vehicle electronics.

· Review maps and plan travel route or program your GPS device in advance.

• Fasten safety belts before starting the vehicle.

· Check that all passengers are wearing safety belts and that children are in an approved child passenger restraint system or safety belt.

· Adjust all mirrors for best all­around visibility before starting the vehicle.

• Don't read or write while driving.
• Avoid smoking, eating, and drinking while driving.

· Don't engage in stressful or emotional conversations with passengers in the vehicle.

· Pull off the road in a safe place to deal with insects, unruly passengers, children, or pets.

• Always keep cool when in stressful driving situations.

Preventive Measures

Professional drivers can identify other drivers who may be distracted while driving and take measures to insure safety.

· Beware of drivers who are drifting over the centerline or out of their lane.

· Watch out for drivers who are preoccupied with reading, eating, smoking, talking on a cell phone, etc.

· Be cautious of drivers who appear to be involved in conversations with their passengers.

• Never try to pass a driver who appears to be distracted.

· Remember that the distracted driver may not be aware of the vehicles around them.

· Give a distracted driver plenty of room and maintain a safe following distance.

· Do not respond to another driver's erratic driving by driving aggressively or becoming angry.

• Always wear safety belts.

With the increase in new technologies (cell phones, PDA's, DVD players, computers, GPS satellite communication systems, etc.) that can be used or included in vehicles, it is important for professional drivers to learn how to manage normal distractions and technological distractions.

· When possible, pull off the road in a safe and legal place when making or receiving a call on a cell phone.

· Load favorite CD's or program your iPod before driving. DO NOT watch video screens while driving.

· If possible, turn off cell phone until destination is reached or use caller identification feature to track calls while driving.

· Pre­program frequently called numbers into cell phone.

· Purchase and install a hands­free device so both hands remain on the steering wheel.

· Do not engage in stressful or emotional conversations even if using a hands free device.

· Suspend all conversations when approaching locations with heavy traffic, road construction, heavy pedestrian traffic, or when driving in severe weather conditions.

· Do not try to type or read messages on a computer or satellite communication system while driving.

By learning how to manage everyday distractions, technological distractions, and others drivers who may be distracted, professional drivers become safer drivers.

____________________________________

SOURCE: This publication was produced with information from AAA Foundation for Traffic Safety, National Safety Council, National Highway Traffic Safety Administration, and The Texas Department of Insurance, Division of Workers' Compensation.

DRIVING SAFELY IN THE RAIN

Driving in rain can be dangerous. The most important thing for drivers to remember is to SLOW DOWN! In rainy conditions pedestrians, livestock, and wildlife are extremely hard to spot and even harder to avoid. It takes longer to stop or adjust speed in wet weather. The following are tips for safe driving in the rain.

• Before it starts to rain, replace old or brittle wiper blades.

• Stay toward the middle lanes-water tends to pool in outside lanes.

• Maintain proper following distance (3 second rule). This needs to be increased in wet weather.

• Drive in the tracks of a vehicle ahead of you.

• Don't follow large trucks or busses too closely, because the spray created by their large tires can reduce vision.

• Be more alert watching for brake lights in front of you.

• Avoid using your brakes; if possible, take your foot off the accelerator to slow down.

• Turn your headlights on in a light rain and in gloomy, foggy, or overcast conditions to help you see the road and help other drivers see you.

• Avoid off-road driving; it's hard to judge the actual depth of puddles and standing water where you can easily become stuck.

• Never drive beyond the limits of visibility. The glare of oncoming lights, amplified by the rain on the windshield, can cause temporary loss of visibility while substantially increasing driver fatigue.

• Never drive through moving water if you can't see the ground through it; your vehicle could be swept off the road.

• Avoid driving through deep water, because it can cause serious damage to a modern vehicle's electrical system.

• If possible, stay off the road during heavy thunderstorms. Large flashes of lightning can temporarily blind and disorient drivers, and the accompanying high winds and heavy rain can create deadly driving conditions.

When you need to stop or slow, do not brake hard or lock the wheels and risk a skid. Maintain mild pressure on the brake pedal. Watch the contours not only of the road, but also the fences, trees, hedges, and buildings at the side of the road ahead. If they appear to be unnaturally low, slow down at once, because the road is probably flooded.

Watch out for places where floodwater collects, particularly low-lying roads adjacent to streams, and dips under rail or highway bridges.

Hydroplaning

Hydroplaning happens when the water in front of the tires builds up faster than the vehicle's weight can push out of the way. The water pressure causes the vehicle to rise up and slide in a thin layer of water between the tires and the road. At this point, the vehicle can be completely out of contact with the road, and in danger of skidding or drifting out of the lane. If you find yourself hydroplaning or skidding:

• Do not brake or turn suddenly;

• Ease your foot off the gas until the vehicle slows and you can feel traction on the road again;

• Turn your steering wheel in the direction of the skid. As you recover control, gently straighten the wheels; and

• If you need to brake, do it gently with light pumping action. (If your vehicle has anti-lock brakes, then brake normally because the vehicle's computer will mimic a pumping action.)

There are three main factors that contribute to hydroplaning:

Vehicle speed . As speed increases, wet traction is considerably reduced. Since hydroplaning can result in a complete loss of traction and vehicle control, you should always reduce speed when driving in wet weather.

Tire tread depth. Maintaining adequate treading on tires and replacing them when necessary can help prevent hydroplaning. Tire experts can measure tread depth with a specially designed tread depth gauge and recommend checking tire treads depth every 2- 3 months.

Water depth. The deeper the water, the sooner you will lose traction, although even thin water layers can cause a loss of traction, including at low speeds.

What to do if you stall in deep water

If stalled in deep water, if possible, have someone pull your vehicle out using a towrope or cable winch. It may be possible to drive a manual transmission vehicle out using the starter motor. You can make the job easier by removing your sparkplugs, thereby lowering your compression and making your starter turn more easily. Take great care not to let water enter the cylinders, as it will hydro-lock your engine, ruining it. This is a last resort for rescuing a flooded vehicle and is not recommended.

Check your brakes

If you successfully pass through a deep-water hazard, test your brakes. They may be saturated, and only driving very slowly and braking lightly at the same time will generate enough heat to dry them out. Be sure they are pulling evenly on all wheels before building up speed again.

Remember to practice safety. Don't learn it by accident.

_____________________________

SOURCE: The Texas Department of Insurance, Division of Workers' Compensation (TDI/DWC)

FLASH FLOOD ALERT!

Flash floods can strike any time and any place with little or no warning. In mountainous or flat terrain, distant rain may be channeled into gullies and ravines, turning a quiet streamside campsite or wash into a rampaging torrent in minutes. City streets can become rivers in seconds. Observe these flash flood safety rules. They could save your life.

• Keep alert for signs of heavy rain (thunder and lightning), both where you are and upstream.

• Watch for rising water levels.

· Know where high ground is and get there quickly if you see or hear rapidly rising water.

· Be especially cautious at night. It's harder to recognize the danger then.

· Do not attempt to cross flowing water which may be more than knee deep. If you have doubts, don't cross.

• Don't try to drive through flooded areas.

· If your vehicle stalls, abandon it and seek higher ground immediately.

During threatening weather listen to commercial radio or TV, or National Oceanic and Atmospheric Administration Weather Radio for Watch and Warning Bulletins.

Flash Flood Watch means it is possible that rains will cause flash flooding in the specified area. Be alert and prepared for a flood emergency.

Flash Flood Warning means flash flooding is occurring or is imminent in the specified area. Move to safe ground immediately.

SOURCE: Publication PA 77014

National Oceanic and Atmospheric Administration Office of Meteorology National Weather Service 1325 East-West Hwy. Silver Spring, MD 20910-3283

Remember to practice safety. Don't learn it by accident.

CHECKLIST FOR HIRING A BUILDER OR REMODELER

Spring and summer months are the prime time for home building and remodeling. For most people, their home is their largest investment. So decisions to buy or remodel are very important. At the same time, few decisions are more important than the selection of a builder or remodeler. The following list was published by the National Association of Home Builders and is offered as a useful guide in making this important decision.

Use this checklist to help you select a builder or remodeler to work on or build your home.

• Does the builder or remodeler have a permanent business location and a good reputation with local banks and suppliers?

• How long have they been in the building business? It usually takes three to five years to establish a financially sound business. Will they be around after the construction is complete to service any warranties?

• Have you called your local Better Business Bureau? They can alert you to any complaints.

• Does the builder/remodeler have sufficient workers compensation and general liability insurance? If not, you may be liable for any construction-related accidents on your premises.

• Will the builder/remodeler provide you with names of previous customers? Ask them if they would hire the builder/remodeler again.

• Have you seen the builder/remodelers work, both completed and in progress? Check for quality of workmanship and materials.

• Are you able to communicate with the builder/remodeler? Remember you will be in close contact with them throughout the construction process and afterward as you live in your new home.

• Will the builder/remodeler provide you with a complete and clearly written contract? The contract will benefit both of you. Review it carefully.

• Be cautious of unusually low-priced bids. If the builder/remodeler is unable to pay for the materials and labor as the project proceeds, this may indicate a potential problem.

Call your local homebuilders' association for the names of member builders and remodelers. Find contact information at www.nahb.org/findanhba.

And remember: improvements due to remodeling will increase the replacement cost of your home, thereby affecting the amount of insurance you should carry to protect this most important asset!

Portable generators are useful when electric power to your home is interrupted, often by severe weather. In the case of hurricanes, electric power can be interrupted for days at a time.

If generators are not used correctly, they can be deadly! The Consumer Product Safety Administration recommends the following steps for the safe use of gasoline-powered generators.

· Consult and follow the operator's manual provided by the manufacturer.

· Use the generator only in well-ventilated areas. Never use inside homes garages, crawlspaces, sheds or similar areas, even with opened doors or windows.

· Protect the generator from moisture or puddles to help avoid shock or electrocution.

· Do not power the house wiring by plugging the generator's output into a wall outlet. Connect the equipment you need powered (such as a refrigerator or lamp) directly to the outlets on the generator. Connecting a cord from the generator to a permanent wiring system back-feeds electricity into your home and is unsafe for you and possibly neighbors and utility workers.

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Source: Consumer Product Safety Administration

Reducing insurance costs is a matter of safe driving, avoiding damage to your car and avoiding liability for damage to others - both personal injury and property damage. Safe driving can also contribute to better gas mileage, thus further reducing the cost of owning and driving a car.

Listed below are tips for better gas mileage from how you drive your car as well as how it is maintained.

Drive sensibly and efficiently ~

· Stay within posted speed limits. Gas mileage usually decreases rapidly at speeds above 60 mph because higher speeds increase wind resistance.

· Remove unnecessary items from your trunk. An extra 100 pounds can reduce fuel economy by 2 percent.

· Avoid putting items on top of your vehicle. The wind resistance of a loaded roof rack can reduce fuel economy by 5 percent.

Maintain your vehicle ~

· A properly tuned engine can increase gas mileage by 4 percent.

· Properly inflated and aligned tires can increase gas mileage by 3 percent.

· Replace air filters regularly. Clogged filters can reduce gas mileage by 10 percent.

Visit fueleconomy.gov for more information about saving money at the gas pump.

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Source: US Department of Energy

Reducing insurance costs is a matter of safe driving, avoiding damage to your car and avoiding liability for damage to others - both personal injury and property damage. Talking on a cell phone while driving increases your risk of a collision by 400 percent!!!

According to the Insurance Institute for Highway Safety, chatting on a cell phone while driving is as dangerous as driving under the influence of alcohol, even if you switch to a hands-free model.

Any distraction while driving - including use of a cell phone, the use of other electronic devices, applying makeup, eating, and adjusting the radio or CD player - worsens a driver's ability to react to hazardous situations. The safest way to drive is to avoid distractions and kep your attention on the road.

Source: Insurance Institute for Highway Safety

Reducing insurance costs is a matter of safe driving, avoiding damage to your car and avoiding liability for damage to others - both personal injury and property damage. An estimated 1.5 million deer-vehicle collisions happen each year in the United States, causing more than 150 fatalities and $1.1 billion in property damage.

Deer populations are growing and deer habitat is being displaced by urban sprawl, making it a deadly combination. The deer population in the United States today is greater than it was 200 years ago, primarily because of the dramatic decline in natural predators. Indeed, as these statistics suggest, the automobile is the deer's most dangerous "predator!"

To avoid deer-vehicle collisions:

· Be aware of posted deer crossing signs, which indicate active deer crossing areas.

· Use high-beam headlamps at night as much as possible to illuminate the side of the road where deer can linger.

· Be aware that deer move together so another might not be far away.

· Do not rely on car-mounted "deer whistles." Studies suggest they may not work.

· If a collision seems inevitable, it may be best not to swerve. The risk of personal injury is greatly increased by swerving, which can place you in the path of oncoming traffic.

Source: Insurance Institute for Highway Safety

Reducing insurance costs is a matter of safe driving, avoiding damage to your car and avoiding liability for damage to others - both personal injury and property damage. The following highlights "stupid questions," which are often not stupid at all! Sometimes, knowing the answers to such questions can help us be safe and avoid insurance losses.

1. Do I have to stop for pedestrians in a parking lot who see me coming but still blatantly walk right in front of my car?

Traffic law does not apply to private property, but civil law does. A driver that hits a pedestrian in a parking lot likely would not be criminally responsible - unless it was done with the intent of harming the pedestrian -- although he could be liable under civil law.

2. What happens with a car accident in a parking lot? Do police have jurisdiction to issue a ticket?

Drivers in this situation could get a citation for failure to have liability insurance - if the drivers do not have proof of insurance - but not for the fender bender itself. Traffic laws do not apply on private property. If municipal police departments investigate these collisions, they do so as a courtesy only.

3. Is it legal for a person in the front passenger seat to fully recline the seatback and then ride that way with their seat belt handing loose above them as they snooze?

Probably not! The Texas Transportation Code says a person must be "secured" by the sat belt. "Secured" means using the lap belt and shoulder strap "according to the instructions of the manufacturer." A police officer could issue a citation for not wearing the seat belt under these circumstances. So "sit up and buckle up!"

4. If I'm waiting at an intersection in a turn-only lane, do I have to signal that turn?

Yes. Someone waiting to turn must signal continuously for not less than 100 feet of movement before the turn.

Source: Ben Wear, "Getting There," Austin American Statesman, November 23, 2009, Page B1.

People take vacations year-round, although many folks may prefer summertime vacations. Whenever they travel, people with pets often travel with them. And if you have traveled with a pet, you know that it can be both rewarding and challenging! The following information is taken from an article published by the American Veterinary Medical Association. The article provides important and useful information or protecting your pets while traveling with them.

Planning and Preparation

Planning and preparation are important when traveling with family pets. There are dogs and cats that cannot withstand the rigors of any type of travel due to illness, injury, or temperament. If this is the case, discuss with your veterinarian options such as hiring a reliable pet-sitter or housing your pet in a clean, well-managed boarding facility.

For car travel, consider whether or not your pet is comfortable in the vehicle before committing to a long road trip. A carsick pet is sure to make the trip miserable for everyone. When planning your trip, if you will be staying with friends or family along the way, be considerate and ask them in advance if your pet is welcome. The same applies to choosing hotels, motels, parks, and campgrounds. Always check if pets are allowed or if kennel facilities are available. If a hotel or motel claims to be "pet friendly," clarify exactly what that means to be sure it will accommodate you and your pet's needs. If your pet must be left alone in a hotel room, place a "Do Not Disturb" sign on the door and inform the maid and the front desk. Before leaving home, consider bringing along a portable kennel for use in hotel rooms or the homes of friends or relatives who are not comfortable allowing your pet to roam freely when no one is home.

Whether you travel by car or by plane be sure your pet is wearing an ID tag and, if possible, also has an imbedded identification microchip. While both should contain accurate contact information, consider not including your pet's name on its ID tag. How a pet responds to hearing its name used could be helpful in reuniting a lost or stolen pet with its rightful owner. Grooming (bathing, combing, trimming nails) before a trip, plus taking along your pet's favorite food, toy(s), and dishes will make your pet more comfortable. Carry proof of rabies vaccination and a current health certificate when crossing state or international borders. Finally, keep a printed photograph (a digital copy is also good to have) of your pet with you to assist with identification in case your pet is lost.

Most importantly, before undertaking any trip, consult your veterinarian to ensure that all required vaccinations are up-to-date and to receive a certificate of veterinary inspection within ten days prior to travel by air.

Travel By Air

Transporting pets by air concerns pet owners the most. Certain breeds such as brachycephalic (short-nosed) dogs and cats may have difficulty with air travel. Federal regulations require that pets be at least 8 weeks old and weaned at least 5 days before flying. Most airlines that will transport pets require a certificate of veterinary inspection (health certificate) that is issued within 10 days prior to travel. Today, many major airlines allow cats and small dogs to travel in specially designed carry-on luggage that will fit underneath the seat. If you are traveling internationally, consult your veterinarian and/or your state's USDA Veterinary Services Area Office or the destination country's embassy or consulate about additional travel restrictions or quarantine requirements.

Whenever possible, book a nonstop flight and avoid plane changes and busy holidays. During warm weather months, choose early morning or late evening flights. In colder months, choose midday flights. As of the revision date of this brochure, regulations associated with the Federal Animal Welfare Act prohibit airlines from accepting dogs and cats for shipment if the airline cannot prevent exposure of the animal to temperatures less than 45 degrees F (7.2 C) or more than 85 degrees F (29.5 C) for more than 45 minutes when the animal is transferred between the terminal and the plane, or for more than 4 hours when the animal is in a holding facility. However, the prohibition against exposure to temperatures below 45 degrees F is waived if a veterinarian provides an acclimation certificate stating that the dog or cat can be exposed to lower temperatures. Your veterinarian cannot issue a certificate allowing exposures to temperatures above 85 degrees F for more than 45 minutes.

Reconfirm your flight arrangements the day before you leave to ensure there have been no unexpected flight changes. Arrive at the airport early, exercise your pet, personally place it in its crate, and pick up the animal promptly upon arrival at your destination. When boarding the plane, let the flight attendant know that your pet is in the cargo hold. If your pet will be traveling with you in the cabin, arrange to check-in as late as possible to reduce the amount of time your pet will have to spend in the busy terminal.

The various airlines occasionally update their pet travel regulations including restrictions on breeds and size, restrictions relating to weather conditions and time of year, and charges for checked kennels. Consult with your veterinarian to determine what is best for your pet's well-being and ask about current airline regulations.

Take time to accustom your pet to the crate in which it will be traveling. At the airport, you may be asked to remove your pet from the carrier so the carrier can be put through an x-ray scanner. To minimize the chance that you will have to chase a loose pet through the airport, put a halter or collar and leash on your pet before you put it in the carrier.

Ask your veterinarian for specific feeding instructions. For your pet's comfort, air travel on an almost empty stomach is usually recommended. The age and size of your pet, time and distance of the flight, and your pet's regular dietary routine will be considered when feeding recommendations are made. It is recommended that you not give tranquilizers to your pet when traveling by air because they can increase the risk of heart or respiratory problems.

Travel By Car

If your pet is not accustomed to car travel, take it for a few short rides before your trip so it will feel confident that a car outing does not necessarily mean a trip to the veterinarian or unpleasant destination. If your dog has a problem with carsickness, your veterinarian can prescribe medication that will help it feel more comfortable during long trips. Cats should always be confined to a cage or in a cat carrier to allow them to feel secure and prevent them from crawling under the driver's feet. Providing a familiar toy or blanket can help make your pet more comfortable in its carrier. Regardless of the length of the trip, pets should not be left unattended in a car.

A dog that must ride in a truck bed should be confined in a protective kennel that is fastened to the truck bed. Dogs riding in a car should not ride in the passenger seat if it is equipped with an airbag, and should never be allowed to sit on the driver's lap. Harnesses, tethers, and other accessories to secure pets during car travel are available at most pet stores. Accustom your dog to a seatbelt harness by attaching a leash and taking your dog for short walks while wearing it. Offer your dog a treat and praise at the end of the walk to associate a positive experience with wearing the harness. Don't let your pet ride with its head outside the car window as particles of dirt or other debris can enter the eyes, ears, and nose, causing injury or infection.

During the trip, maintain your regular feeding routine and serve the main meal at the end of the day or when you reach your destination. Feeding dry food will be more convenient, assuming your pet readily consumes it. Dispose of unused canned food unless it can be refrigerated. Take along a plastic jug of cold water in case other reliable water sources are not available. On long trips, feed your pet small portions of food and water and plan to stop every two hours for exercise. Remember to include a leash with your pet's traveling supplies.

Travel By Bus or Train

Most states prohibit animals from riding on buses and similar regulations restrict travel on trains. Exceptions are made for guide and service dogs accompanying blind and disabled persons. Consult your local carriers for current information.

Camping with Pets

Traveling to country settings with your pet presents its own challenges. Skunks, raccoons, porcupines, snakes, and other wildlife can bite or otherwise injure your pet. Keep your pet within sight and on a leash. Carry an adequate supply of water for you and your dog. Be considerate of other campers. Prior to the trip, ask your veterinarian about flea, tick, and heartworm prevention and make sure your pet is vaccinated against rabies. Before taking your dog on a long hike, be sure your pet is physically able to handle the exercise.

Additional Pet Travel & Health Tips

• When traveling by car, pack a simple pet first-aid kit that includes assorted bandages, antiseptic cream, an antidiarrheal medication that is safe for pets (ask your veterinarian to suggest a product), gauze squares, and the phone numbers of your veterinarian, a national poison control hotline, and a 24-hour emergency veterinary hospital.

• In addition to a standard identification tag (which should be labeled with your name, home address, and phone number), your pet's collar should include a travel tag with information on where you are staying while away from home. Should your pet become lost, this will allow you to be contacted locally.

• Perform a daily "health check" on your pet when away from home. In unfamiliar surroundings, your pet's appetite, energy, and disposition may change. Watch for unusual discharges from the nose and eyes, excessive scratching or biting of any body part, abnormal elimination, or excessive water consumption. Visit a local veterinarian if you are concerned about any physical or behavioral changes.

For more information and helpful tips on traveling with your pet ??

American Veterinary Medical Association?

www.avma.org ??

Frequently asked questions about traveling with your pet - AVMA?

www.avma.org/animal_health/travelingwithpet-faq.asp ?

Import and Export and Interstate Travel - Veterinary Practice Resource Center AVMA?

www.avma.org/services/vprc/travel.asp ??

United States Department of Transportation Aviation Consumer Protection Division?

http://airconsumer.ost.dot.gov/publications/animals.htm ??

United States Department of Agriculture (USDA) Animal Care Pet Travel Page?

www.aphis.usda.gov/animal_welfare/pet_travel/pet_travel.shtml ??

USDA Veterinary Services Area Offices Locator?

www.aphis.usda.gov/animal_health/area_offices/ ??

International Air Transport Association Live Animals Transportation by Air (includes guidelines on selecting an appropriately sized animal carrier)?

www.iata.org/whatwedo/cargo/live_animals/index.html ??

Centers for Disease Control and Prevention Frequently Asked Questions about Animal Importation?

Parts of Texas experience considerable snow and ice during a typical year, although all of Texas (including the Houston area as recently as December 4, 2009) can experience snow! Of course, many Texans choose four-wheel or all-wheel-drive vehicles because they need this capability for other types of conditions. Knowing the differences that distinguish four-wheel from all-wheel drive vehicles is important in choosing the right vehicle for your needs. When driving in snow, ice, or other conditions where traction is difficult, having the right kind of vehicle is important for driving safety.

One of the biggest differences between all-wheel drive vehicles (AWD) and four-wheel drive vehicles (4WD) is in how the decision is made to transfer power to all four wheels. With all-wheel drive vehicles, electronic sensors play this role; with four-wheel rives, it is the driver who throws a lever or flips a switch to give power to all four wheels.

AWD is always "on," meaning that the electronic sensors can send power to all four wheels anytime the sensors decide it is necessary.

4WD is engaged manually, and usually has a high range for highway speeds, and a low-range for driving off-road or in heavy snow.

Both systems work well in slippery conditions. Indeed, both are superb, especially when compared to the performance of rear-wheel-drive vehicles on snow or ice. (Front-wheel drive vehicles typically have more weight over the powered wheels, making them easier than rear-wheel drive vehicles to handle in slippery conditions.)

Suburban drivers who do not face snow and ice very often may prefer AWD vehicles; 4WD vehicles may be preferred by drivers in places where winter comes early, stays long, and is fairly harsh. Both systems affect gas mileage because they add weight to the vehicles, and both mean more wear and tear on tires.

Source: compiled in part from www.onthesnow.com

Night blindness occurs when the eye is accustomed to low levels of light and the light intensity suddenly rises. For example, assume you are driving on a dark two-lane road, and the glare of an oncoming vehicle's high beams suddenly appears. The vehicle flashes past and for the next few seconds you are blind. The eyes adjust to the new light level by contracting the pupils, but if that level of intensity is only momentary, then the eyes have toreadjust to the lower level again by dilating the pupil. While the eyes make this adjustment, your vision is impaired for several seconds - you have experienced night blindness.

During the day about 85 percent of the information we need to drive a car is visual, but at night this changes. Without enough light, we lose much of our ability to distinguish objects from the background (contract sensitivity) and the ability to recognize objects at the edges of our visual field (peripheral vision). When driving at night with headlights, we can only see about 350 feet of the road ahead. At 60 miles per hour, a car will cover 350 feet in four seconds! Therefore, slower driving speeds will allow you more time to spot a hazard and respond in a crisis. (And pedestrians should wear light-colored clothing or put reflective tape on their clothes to make themselves more visible in the darkness.)

If a driver turns his head from side to side, it will help make up for the lost side vision that occurs at night. If the driver must wear glasses to drive, frames that have thin sidepieces should be selected, since wide sidepieces will hinder side vision.

As we age, the lenses of our eyes become yellowed and we need more light to see. Most of us begin to notice this in our 40's. By the age of 65, we need 2.5 times the light that we needed when we were 20 to see the same level of detail. For this reason, older persons should drive slower when they drive at night.

Below are some suggestions for driving safely at night.

· Drive within the range of your headlights, not by what you think you see beyond their range.

· Adjust your rear view mirror to the "night" setting to dim headlight glare coming from behind.

· When the glare is gone, reset the mirror to the "day" setting.

· Focus eyes on the right edge of the pavement to avoid being blinded by oncoming headlights.

· Clean your headlights.

· Clean your windshield, inside and out.

· Keep your eyes moving between the road and the rear-view and side-view mirrors.

· Use your high beams when you can.

· Take off sunglasses at dusk; do not wear sunglasses at night!

· Turn your head from side to side to increase your peripheral vision.

· Dim your instrument lights to reduce brightness when you look at them.

· Do not drive faster than 65 mph at night.

· Do not put dark aftermarket tinting film on windows or windshields.

· Do not depend on fog or parking lights only when driving at dusk or dawn.

· Do not keep you high beams on when another vehicle approaches.

· Do not exceed the speed for driving conditions at night in rain, snow, or fog.

· Do not turn your interior lights on while driving your vehicle.

· Do not stare into your side-view mirrors as cars pass from behind.

· Do not use any type of medication that may change your night vision or cause drowsiness.

Humans are not designed to be creatures of the night!! Remember to respect the road and the darkness.

Source: Adapted from Texas Department of Insurance, Division of Workers' Compensation, "Night Blindness."

Low rates for auto insurance are realized through safe driving. The article below summarizes railroad crossing safety tips.

A train hits someone in America every 115 minutes! According to Operation Lifesaver, nearly 2,000 Americans are killed and injured at highway/railroad crossings each year. This number is greater than people dying in commercial and general aviation crashes combined.

The average train weighs 12 million pounds; pulling 100 cars and travelling at 50 mph, it takes one mile to stop. The weight of a train to a car is about 4,000 to one; or about the same as a car to aluminum can. The same thing happens to the car hit by a train as happens to a can run over by a car - it gets squashed.

The majority of collisions between trains and motor vehicles occur (a) when trains are travelling less than 35 mph; (b) in 25 percent of all collisions, the train is already in the crossing when the car hits it; and (c) nearly 67 percent of collisions occur in daylight hours in crossing equipped with automatic warning devices. Thus, driver inattention is the primary cause. Following are some simple and life-saving practices to help avoid a confrontation with a train at a railroad crossing.

1. Remember that anytime is train time.

2. Slow down when approaching a railroad crossing and look both ways - twice.

3. Never race a train to cross the tracks.

4. Never pass another vehicle within 100 feet of a railroad crossing.

5. Watch out for vehicles that must stop at railroad crossings, like school buses or trucks carrying hazardous materials.

6. When approaching a crossing, roll down your windows, turnoff the radio or air conditioner, and listen for whistles or bells.

7. Always yield to flashing lights, whistles, closing gates, crossbuck, or stop signs.

8. Never shift gears on the railroad crossing; downshift before you reach it.

9. If you must stop, keep a distance of 15 to 50 feet from the tracks. Since the tracks are 4 feet 8½ inches wide, and the train hangs 3 feet past the rails on each side, be sure to leave enough space between your vehicle and the tracks.

10. Teach children that the railroad track is never a place to play, walk, run, bike ride, or use as a short cut. Don't fish from railroad bridges either.

11. Always cross the tracks at the designated railroad crossing or pedestrian crossing.

12. Only use the crossing if you can be sure your vehicle is high enough to completely clear the railroad crossing without stopping.

13. Don't be fooled by the optical illusion presented by an oncoming train. It is always moving faster and is much closer than you think.

14. Should your vehicle stall on the tracks and you see a train approaching, get out of the vehicle immediately, move away from the crossing, and move towards the approaching train. This way you can avoid injury from flying debris. Call 911 immediately and inform police about the stalled vehicle.

15. Never drive around a crossing gate that is down. If you suspect the gate is malfunctioning, call your local law enforcement or the railroad company immediately. You can usually find the company emergency contact number - including the US DOT Inventory Crossing Number that identifies your location on the crossbuck post.

16. If you drive into the railroad crossing and the gate behind you comes down, keep driving forward, even if it means you break the crossing gate ahead of you.

It is your responsibility to avoid a train since it cannot avoid you. Always look, listen, and live. Stopping may add 30 seconds to your journey while not stopping could put an end to it completely. Always remember: anytime is train time! Following these safety tips will promote driver safety, reduce train-related accidents, and help obtain low rate auto insurance.

Source: Texas Department of Insurance, Division of Workers' Compensation, "Railroad Crossing Safety Fact Sheet."

According to the National Safety Council, 25 percent of vehicle accidents can be blamed on poor backing techniques. Backing accidents cause approximately 500 deaths and 15,000 injuries per year. The use of safe vehicle backing tips by all drivers - including employees and employers - can help prevent accidents.

1. Get to know a vehicle's blind spots. Drivers need to remember that mirrors can never give the whole picture while backing, so it is important for every driver to know his or her vehicle's blind spots. In a medium sized truck, blind spots can extend up to 16 feet in front and 160 feet behind a vehicle.

2. Think in advance. Drivers should not put themselves into unnecessary backing situations.

3. Park defensively. Drives should choose easy-to-exit parking spaces that do not crowd neighboring vehicles. Vehicles should always be parked in the center of the parking space.

4. When parking in an alley. In certain circumstances, a driver should back into an alley (if local ordinances permit) so that when leaving the vehicle can pull forward into the street; for example, if an alley doesn't permit driving all the way through or room to turn around.

5. Do a walk-around. Walking around a vehicle gives a driver a first-hand view of the backing area and any limitations. The driver can check for children, soft or muddy areas, potholes, tire hazards, and other dangers.

6. Know the clearances. Vehicles with a higher profile - such as vans or most trucks - need greater clearances than passenger cars. When driving high profile vehicles, the driver should always check for obstructions, low-hanging trees and wires, and any other potential clearance-related problems.

7. Every backing situation is new and different. Obstacles can appear anytime in any backing situation, even from a driver's own home. Drivers must always be watchful for any change or obstacles.

8. Use a spotter. Smart drivers will often use another person to help them when backing. The driver and spotter should use hand signals instead of verbal signals and make sure they understand each other. The spotter should not walk backwards while giving instructions.

9. Drivers "spot" for themselves. After finishing a walk-around to spot any obstacles to backing, the driver needs to return to the vehicle and start backing within a few seconds. This allows very; little time for people and /or obstacles to change behind the vehicle.

10. Rear-vision camera systems. Installation of rear-vision camera systems in vehicles eliminates rear blind spots. Investing in a rear-vision camera system for vehicles can put drivers in full visual control of the rear of a car or truck.

11. Practice, practice, practice. No amount of forward-driving experience can prepare a driver to back a truck or car. All drivers need to practice in safe surroundings until they become familiar with the way the vehicle backs up compared to the direction the steering wheel is turned.

Source: Texas Department of Insurance, Division of Workers' Compensation, "Vehicle Backing Safety Fact Sheet."

This issue of the Digest summarizes driving safety tips for anyone driving a car for business or pleasure.

1. Always wear your seat belt. Wearing seat belts can increase your chance of survival in an accident. If your passengers are children, place them in correctly installed car safety seats.

2. Do not drink and drive. Alcohol impairs a driver's judgment, vision, and reaction time. According to the Texas Department of Insurance (TDI), each year 23,000 people die in drinking and driving accidents.

3. Do not drive if you are tired. Driver drowsiness and fatigue causes 100,000 accidents a year, according to the National Highway Traffic Safety Administration estimates.

4. Maintain your vehicle in good condition. Always check and be sure the tires, brakes, headlights, taillights, and turn signals are working properly.

5. Obey and speed limit and maintain a safe driving distance between you and the car in front of you. Keep at least one car length for each 10 miles per hour you are driving between you and the car in front; keep a greater distance in bad weather conditions and darkness.

6. Drive defensively and be aware of drivers around you. Stay away from drivers who are driving aggressively or experiencing road rage. Pull off the road if necessary.

7. Be careful at intersections. According to TDI, over 2/3 of all traffic injuries occur at intersections, so always be alert when approaching them.

8. Do not drive while using a cell phone. If you need to use a cell phone while driving, pull off the road in a safe and legal place. TDI reports that cell phone users who drive while talking have a 34 to 200 percent higher risk of a collision than drivers who do not talk on cell phones and drive.

9. Be very careful when driving in road construction areas. According to TDI, each year in Texas approximately 100 people are killed in highway and road construction areas, most of them are motorists.

Source: Texas Department of Insurance, Division of Workers' Compensation, "Driving Safety Tips."

The Texas Department of Insurance (TDI) has issued a consumer alert bulletin urging car buyers to beware of flood-damaged vehicles. According to the bulletin, thousands of cars damaged by floods or accidents are sold each year to unsuspecting consumers. Often cosmetic and obvious mechanical damage may be repaired - such as replacing carpets or an alternator - but the car can still pose significant safety risks. Flooding can permanently damage a car's electrical system and the electronics that manage the engine's operation or control air bags and other safety components. Hidden damage may not be evident until months after the flooding occurred.

If buying a car anytime - but especially after a recent flood - the consumer should consider one or more of the following precautions to reduce the chance of buying a flood-damaged vehicle:

1. Check the vehicle's title by searching the Texas Department of Transportation free database of vehicles with Texas titles noting flood damage.

2. Inspect the car for mud or stain marks under the dashboard and carpets, musty odors inside the car or in the trunk, and mud or grit in engine components or interior crevices. Check for signs of rust or metal flaking.

3. Have the vehicle inspected at a trusted auto-body or auto repair shop.

4. Buy a certified used car or truck warranted by the automaker, not just an individual car dealer. According to TDI, automakers exclude flood-damaged cars from their certified-car programs.

Source: Adapted from Texas Department of Insurance, Consumer Alert, "Car Buyers Urged to Beware of Flood-damaged Vehicles."

Statewide Insurance Digest NO. 129 - Driving and Avoiding Roadway Crashes - 05/24/2010

Statewide Insurance Digest NO. 128 - Jump-Starting a Car Battery Safely - 05/17/2010

Statewide Insurance Digest NO. 127 - Motorcycle Safety - 05/10/2010

Statewide Insurance Digest NO. 126 - Parking Lot Safety - 05/03/2010

Statewide Insurance Digest NO. 125 - Bicycling Safety - 04/26/2010

Statewide Insurance Digest NO. 124 - Renters' Insurance - 04/19/2010

Statewide Insurance Digest NO.123 - Factors Affecting Your Premium For Homeowners' Insurance – 04/12/2010

Statewide Insurance Digest NO.122 - Maintain Adequate Insurance Coverage For Your Home – 04/05/2010

Statewide Insurance Digest NO. 121 - Homeowners Insurance Policies - 03/29/2010

Statewide Insurance Digest NO. 120 - Factors Affecting Your Premum ~ The Amount You Pay For Auto Insurance - 03/22/2010

Statewide Insurance Digest NO.119 - Know Your Auto Insurance Policy – 03/15/2010