Posted by
Jeff Moses on Thu, Feb 02, 2012 @ 11:53 AM
Do you have a parent? Then you are at risk of having your mac and cheese stolen! Don't let that happen to you! But if it does, you can rest easy with the peice of mind a Mac and cheese Insurance Policy gives you!
*Mac and Cheese insurance does not cover loss from pets, fire or catastrophic natural disaster.
Contact your local Insurance agent to purchase your own mac and cheese policy today!
You can contact the Moses Insurance Group at 716-634-1212 to get your protection, TODAY!
Posted by
Jeff Moses on Wed, Feb 01, 2012 @ 02:53 PM
Ed Helms is the Man! The insurance Man!
Ed Helms, you are my Hero.
If you like Ed Helms or the movie Cedar Rapids, comment below or retweet using the button above!
Posted by
Jeff Moses on Fri, Jan 06, 2012 @ 03:36 PM
Can you get insurance that the Buffalo Sabres Hockey team will finish with a record of 700 or 750 for the season? Or what about mitigating your losses from that bookie you placed a big bet with for the Sabres to win. The answer is NO. We specialize in auto and Home insurance; Not protecting your bet from your bookie.
Now, if you want to talk about what it would cost for a hockey player to insure their new 2 million dollar house, or their 200,000 dollar car...thats a different story. WAIT! No its not! The answer is still NO. Why, you ask? Because alot of companies view those hot shots as HUGE defamation liabilities. They run their mouth a little bit and BOOM! Someone is sueing them for personal injury to their business or livlihood.
Its got to be hard to be famous.
So be grateful that you are just another fish in the sea.
photo curtiousy of http://www.zimbio.com/pictures/SgkVUiX_-2Y/Minnesota+Wild+v+Buffalo+Sabres/Ti0ogP0jyCn/Marek+Zagrapan
Photo by Rick Stewart/Getty Images North America
Posted by
Jeff Moses on Thu, Dec 15, 2011 @ 08:49 AM
Forget getting run over by reindeer! What happens when you accidentally hit that sweet old lady doing her christmas shopping at the mall? I'll tell you what happens. A Huge PIP claim on your Auto insurance!
Think about this for a minute. Your Auto insurance in New York Automatically comes with $50,000 of Personal Injury Protection. What does that cover, you say? It covers medical bills and lost wages for the most part. It can also cover expenses to have someone clean your house if you become wheel chair bound or laid up in bed for a while. The PIP coverage applies to yourself, any passengers you have in your car, and any pedistrians or bicyclists that you may hit. That's where Grandma comes in.
So if you were to actually hit someones Grandmother with your car, what do you think would happen? Well, you would probably get a ticket from a cop for doing something you werent supposed to be doing like texting. And you might even get arrested if you were texting, speeding and were deemed to be driving recklessly (or there was a death).
But lets forget about that for a minute and say that you were in the right and that you were being a responsible driver and you could not have avoided running over Grandma. In that case, your insurance company will have to pay her medical bills up to the PIP limit (Most people have the standard $50k). And in this case, Grandmas' med bills are, more than likely, going to be bigger then 50,000$. Between the surgeries, physical therapy, her lost wages from working part time at wal-mart as a door greater, and the house maid she hired because she cant move for the next 6 weeks...It can and will go over the 50,000$ limit.
And if a lawyer gets involved, your insurance company will defend your case and pay up to the limit of your Liability coverage, for pain and suffering, most likely. If the case goes to trial and the winnings awarded are more than your liability limit, your on your own to pay the difference!
Not good. So what can be done, you say? Increase your PIP coverage to 150,000$, (2) add OBEL coverage and (3) Increase your limits of Liability.
If your still worried you might not have enough protection....Get an Umbrella Policy to cover your Butt! They ussually come in levels of $1,000,000. And you can go up to $5,000,000.
So now that you have your increased auto coverages and your personal umbrella policy to cover your bases, that lawsuit that you lost when you ran over Grandma at the mall, is now all covered under your policy and you dont have to worry about paying out of pocket.
Pheeww! Good thing you called your insurance agent and talked to him about increasing your coverages.
Posted by
Jeff Moses on Fri, Nov 25, 2011 @ 12:49 PM
Everybody knows that as soon as the first snow falls in Western New York, the traffic slows conciderably, and you see the number of accidents increase. So what does this mean to you? More hazards to manuver while driving. Avoid them and your insurance rate will stay low and save you money by not having those preventable fender benders on your record.
What can you do to get ready for winter? Simple. Just follow this checklist.
1. check your tires. Do you have enough tread on your tires or are they bald? Most people replace old tires with all season tires that they can use all year round. If your tires do need replacing, but still have a little tread left, maybe consider getting winter only tires. You can switch them out with the ones on your car, at low cost to you. Then just put those old ones in the garage till spring and switch them out again. its a good route to take especially if you have summer tires only that are still good.
2. Slow down. The wider your tires are, the more surface area there is, and the more likely you are to slide on that snow, water and ice. Hydroplaneing and loss of traction are how you end up sliding into the back of others cars and gaurd rails.
3. Prepare a winter kit for your car. This is probably the MOST important next to checking your tires. make sure you have an emergency blanket in your trunk in case you get stranded over night somewhere or get stuck in a snow storm. Non perishable foods like granola bars and easy open cans of fruit are good to have too. A plastic bottle of water and a small tool kit is nice. Screwdrivers, wrench, flashlight, duct tape. hey, ya' never know. Get together some pain killers, band aides and gause, just in case. Also, keep a road flare or battery powered strobe in your car to put behind your car incase of a break down. For the winter, I would keep a small bag of salt or sand in my trunk for two reasons. One, to make the car heavier for traction on snow and two, in case you need to put some under your tires when you get stuck. I think an obvious item would be a windshield scrapper but some forget. Last thing I recommend is a pen and paper to exchange info, in case of an accident. Get their id card from them and write down the COMPANY AND POLICY NUMBER, along with their name, address and phone number.
4. Check windshield washer fluid. Make sure you have fluid that is rated for sub zero temperatures. anti freeze windshield washer fluid will get you out of an ice build up but only if you have good windshield wipers! check those for tears or replace if worn down. Its not a bad idea to keep an extra gallon of fluid in your trunk because when you run out, is when you always wish you had some and fast.
And if you've done all of these things already....You could even consider waxing your car and getting undercoat protection. RUSTOP is a good protectant that coats the bottom of your car from salt damage and rust with a pretrolium jelly substance. Some places use a more viscous oil that drips heavily. Both are ok. Which is better? I'd go with the no drip rustop to prevent oil stains on your drive way.
So leave a little earlier before your commute and plan accordingly. Because you never know when the next heavy snow fall will get you stuck in traffic like last years Cheektowaga/depew thruway pile up. 24 hours in a car is no fun with out a blanket and food.
You will thank yourself and your insurance premium will show it, when you've been a good driver!
Be prepared. Scouts' moto.
Posted by
Jeff Moses on Wed, Oct 19, 2011 @ 12:05 PM
Everybody knows that on Halloween, the kids will be around for their fix of candy. Some Adults stay home to hand out candy and some go to Halloween parties of their own.
Before you go out and drink the witches' brew, think about consider these tips first:
Drive slowly, and don't pass stopped vehicles. The driver might be dropping off children.
Park your mobile phone. Avoid distractions by waiting until you've stopped to call, text, or surf.
Watch for children darting into the street. Kids can cross the street anywhere, and most young pedestrian deaths happen at spots other than intersections.
Yield to young pedestrians. Children might not stop, either because they don't see your vehicle approaching or don't know how to safely cross the street.
Communicate with other drivers. Always use your turn signals. And if you have to pull over to drop off or pick up your kids, turn on your hazard lights.
And, to keep your own trick-or-treaters safe:
Teach them how to safely cross streets. They should look both ways and cross only at corners and crosswalks.
Consider indoor community Halloween programs for younger kids. Some communities also offer to help you inspect your kids' treats to make sure they're safe to eat.
Brighten them up. Give them flashlights and glow sticks, and/or use reflective tape on their costumes, so drivers can see them.
---Source---Progressive Insurance. http://www.progressive.com/vehicle-resources/halloween-safety.aspx
Posted by
Jeff Moses on Thu, Oct 06, 2011 @ 10:19 AM
Just so you know, I & we at Moses Insurance do care about protecting you, your family and your stuff. No, we can not be there physically to protect you all the time but we try to give you ideas that may help protect your stuff. Maybe an alarm system or camera, a smoke alarm, a video inventory of your stuff.
Maybe a backup plan for power, or an escape plan for your family or a rope ladder for a bedroom escape. Mostly we try to sit and review what you have insured, what you maybe should have insured like your income, or even your life so as to protect your family.
After a loss or a disaster we hope you have the insurance protection in place to get you back what you lost or at least the finances to protect you and/or your family.
Insurance is not exciting to talk about but very important. It is not perfect either but it sure does help to replace a home, a car, your personal belongings, your business or personal income for you and the family and so much more.
Do me a favor and at least contact your local independent "Trusted Choice" insurance agent for a review of your current programs. Indepenent agents represent several different insurance companies and can shop around for you. BE SAFE! BE PROTECTED.
As an insurance agent I see many customers a day. When my customer brings in a new teen driver we always sit them down to discuss a few very important issues. I tell them that most of the teen driver accidents we report are caused by teens being distracted while driving. Most end up rear ending the car in front of them that has stopped in traffic and the worst are from making a left turn onto another street and end up in a T-bone or head on accident ( these are both the worst for injuries ). The driver lacks the experience and mis-judges how fast the on coming traffic is moving and turns right in front of the on coming car. PLEASE BE CAREFUL, SLOW DOWN AND PUT THE PHONE AWAY WHILE DRIVING. If even one teen thinks about this and we prevent one death I will feel a little better anyway.
11 Facts about Teen Driving:
1) Car crashes are the leading cause of death for US teens ( 36% of all deaths in this age group )
2) Roughly 35000 USA teens have died in car crashes in the past 5 yrs ( 6000 per year or 18 per day )
3) TEXTING while driving makes you 4 times more likely to cause a crash.
4) Almost 65% of teen passenger deaths occur when another teen was driving.
5) Teens have the lowest SEAT BELT use of all drivers.
6) Over 90% of teens admit to doing multi tasks while driving ( cell phone use, eating, playing loud music, interacting with friends....
7) An overwhelming 75% of teens admit to TEXTING while driving.
8) About 54% of teenage driver crash deaths occur on FRIDAY, SATURDAY AND SUNDAY.
9) The DEADLIEST MONTHS June, July & August then October.
10) July 4th and average of 28 teens die in car crashes every year.
11) January 1st an average of 23 teens die in car crashes every year.
This info was from DOSOMETHING.ORG ( tips and tools 11/2010 )
Posted by
Jeff Moses on Mon, Sep 26, 2011 @ 10:49 AM
- Home & Auto insurance package discount
- Multi car discount
- Increase deductibles on auto and home insurance
- Retired homeowners discount
- Age 50+ auto discount
- Defensive driver class credit
- Driver education discount (new or young drivers)
- Smoke alarm credits for homeowners & renters
- Sprinkler system home credit
- Good student driver credit
- Auto alarm system credit
- Daytime running lights auto credit
- Car pooling to work or use public transit
- Home security system credit
- Air bags auto discount
- Auto window etching
- dead bolt locks on home
- AAA auto membership
- Fire extinguisher home credit
- GPS (global positioning system) installed in auto
* Restrictions may apply or above discounts may not be available with some insurance carrier