Oct 12

Winter Driving Safety Tips

Watching the leaves change colors is a spectacular seasonal event—and a scenic drive is one of the best ways to appreciate the sights. But falling leaves and unruly weather can create hazardous driving conditions. Be prepared for what lies ahead as you set out on your journey, whether it’s across the state or around the neighborhood.

Look out for wet leaves on the road. Wet leaves can create a slippery mess. Even a single layer of wet leaves can make braking, steering, stopping and acceleration difficult, says the Car Care Council. Use extra caution: Drive slowly through patches of leaves to avoid having to brake too quickly.

Steer clear of piles of leaves.
Whether they’re wet or dry, piles of leaves can obscure potholes, street markings and curbs. If they’re dry, piles of leaves can also be a fire hazard if they meet up with hot under-car components like mufflers or tailpipes, so don’t park your car on them.

Don’t forget frost.
With fall comes a chance of frost, which can create slick road conditions. This is especially true on bridges and overpasses, which will turn icy faster than roads. Be prepared to encounter icy surfaces and drive accordingly.

Watch out for winter.
Seasons can change quickly, turning a leaf-peeping landscape into a winter wonderland. Stay focused when driving in rain, fog, sleet or snow, and don’t follow too closely behind other drivers so that you have time to stop safely. Don’t forget to give your car a routine once-over, paying special attention to:

  • Tires: They affect a vehicle’s ride, traction, handling and safety in all conditions. Check tire pressure and tread depth, inspect the tires for defects, and rotate them every 6,000 miles, says the Car Care Council.
  • Brakes: Have them inspected for wear and tear at every oil change.
  • Windshield wipers: Replace them every few months. You’ll be glad you have fresh blades when rain or snow starts to fall.
  • Lights: Be sure all your lights are working, and check the aim of your headlights. Poorly aimed headlights reduce your visibility and can shine right in the eyes of oncoming drivers.

Jason Bentley



Jul 12

Allstate Cancelling South Carolina Homeowners Policies

This is not in anyway an indictment on one company while propping up another one.  This is merely for everyone’s education on the shift in policy that insurance carriers are changing on homeowners insurance.

Allstate is dropping about 10,000 South Carolina home insurance customers.

The company is dropping customers who don’t also carry Allstate auto coverage, have older homes and have homes insured for less than $220,000.

Allstate is the second-largest writer of homeowner insurance in South Carolina. It has about 140,000 policies, second to State Farm’s 300,000 policyholders.

Allstate spokesman Tracy Owens said the company needs to drop the customers to remain financially strong for all its customers.

Last November, the insurer announced a similar strategy in North Carolina, informing about 45,000 homeowners insurance customers they would be dropped unless they also insure their cars with Allstate.

In February, 2010 Allstate stopped writing mobile homes along the South Carolina coast.

This latest move affects about 10 percent of Allstate’s customers in South Carolina, according to Nance Lemke, senior corporate relations manager, in Atlanta.

Lemke told Insurance Journal that beginning with policies that renew on Oct. 9, 2012, Allstate will not offer the option to renew to homeowner policies throughout South Carolina that cover homes insured for less than $220,000, that are over 10 years old and lack a motor vehicle insurance policy with Allstate which was effective prior to March 11, 2012.

However, she said, Allstate agents may be able to help customers obtain alternate coverage from another insurance company. She said Allstate will contact customers by mail and encourage them to discuss options with their agent.

South Carolina Insurance Department spokeswoman Ann Roberson said Allstate is directing its South Carolina customers to Coastal Risk Underwriters, which is a program manager and wholesale broker providing specialty personal and commercial property and casualty insurance products on an admitted and surplus lines basis.

Insurance Department spokeswoman Ann Roberson said Allstate is directing its customers to Coastal Risk Underwriters, which is a program manager and wholesale broker providing specialty personal and commercial property/casualty insurance products on an admitted and surplus lines basis. CRU sells residential and commercial property insurance products in 18 states. It has offices in New York; Mount Laurel, New Jersey, and Tallahassee. Coastal Risk Underwriters is a member company of the Insight Catastrophe Group.

Jason Bentley



Jun 12

Meaning of the Flag that drapes Military Coffins

Do you know that at military funerals, the 21-gun salute stands for the sum of the numbers in the year 1776?
Have you ever noticed the honor guard pays meticulous attention to correctly folding the United States of America Flag 13 times?
You probably thought it was to symbolize the original 13 colonies, but we learn something new every day!
The 1st fold of the flag is a symbol of life.
The 2nd fold is a symbol of the belief in eternal life.
The 3rd fold is made in honor and remembrance of the veterans departing the ranks who gave a portion of their lives for the defense of the country to attain peace throughout the world.
The 4th fold represents the weaker nature, for as American citizens trusting in God, it is to Him we turn in times of peace as well as in time of war for His divine guidance.
The 5th fold is a tribute to the country, for in the words of Stephen Decatur, ‘Our Country, in dealing with other countries, may she always be right; but it is still our country, right or wrong.’
The 6th fold is for where people’s hearts lie. It is with their heart that they pledge allegiance to the flag of the United States of America , and the Republic for which it stands, one Nation under God, indivisible, with Liberty and Justice for all.
The 7th fold is a tribute to its Armed Forces, for it is through the Armed Forces that they protect their country and their flag against all her enemies, whether they be found within or without the boundaries of their republic.
The 8th fold is a tribute to the one who entered into the valley of the shadow of death, that we might see the light of day.
The 9th fold is a tribute to womanhood, and Mothers. For it has been through their faith, their love, loyalty and devotion that the character of the men and women who have made this country great has been molded.
The 10th fold is a tribute to the father, for he, too, has given his sons and daughters for the defense of their country since they were first born.
The 11th fold represents the lower portion of the seal of King David and King Solomon and glorifies in the Hebrews eyes, the God of Abraham, Isaac and Jacob.
The 12th fold represents an emblem of eternity and glorifies, in the Christians eyes, God the Father, the Son and Holy Spirit.
The 13th fold, or when the flag is completely folded, the stars are uppermost reminding them of their Nations motto, ‘In God We Trust.’
After the flag is completely folded and tucked in, it takes on the appearance of a cocked hat, ever reminding us of the soldiers who served under General George Washington, and the Sailors and Marines who served under Captain John Paul Jones, who were followed by their comrades and shipmates in the Armed Forces of the United States, preserving for them the rights, privileges and freedoms they enjoy today.
There are some traditions and ways of doing things that have deep meaning.
Share this with the children you love and all others who love what is referred to, the symbol of ‘ Liberty and Freedom.’
-Jason Bentley