Mars Insurance Agency

Illinois Contractors who Utilize Subcontractors

2012-01-27T09:26:00.000-06:00

Did you know that if you have Workers’ Compensation in Illinois and you use subcontractors in your business you may be liable for uninsured subcontractors? Without VALID Workers’ Compensation certificates of insurance for your subcontractors you may be charged an additional premium and could be liable for injury and or death of your subcontractors and/or their employees.

Your subcontractors provide you with a certificate of insurance as evidence of Workers’ Compensation coverage. The certificate of insurance lists the Workers’ Compensation carrier, policy number and policy term. The subcontractor working for you is shown as the “Insured”, and your company as “Certificate Holder”. However, a certificate of insurance does not guarantee that coverage is valid and in force when the subcontractor is working for you.

Why do you need to know if a Certificate of Insurance is valid?

• You need to know this because if one of your subcontractor’s policies cancels you may be charged additional premium during the period the subcontractor was uninsured.

• As the primary contractor you may not always be notified of a subcontractor’s policy cancellation, which would then make you liable for providing Workers’ Compensation insurance for these uninsured subcontractors and premiums will be assessed to you.

• Just because you are a certificate holder does not guarantee that workers compensation coverage is valid for the subcontractor or that you will be notified of cancellation.

The Illinois Workers Compensation Commission provides an Employer Insurance Coverage Search on their website. The Employer Insurance Coverage Search web page provides information for 1) employers that have bought a workers compensation insurance policy (based on the National Council on Compensation Insurance (NCCI) database); and 2) employers (parent companies and their subsidiaries) that have obtained IWCC approval to self-insure.

The database does not include Illinois employers that are in self-insurance pools, which are regulated by the Illinois Division of Insurance.

Go to: http://www.iwcc.il.gov/coverage.htm

Click search for an employer’s insurance coverage
Enter requested information for employer’s coverage in question
When asked for Coverage/Injury/Illness Date, input date of your coverage inquiry

If you find coverage was cancelled or not in effect, please follow up with your subcontractor immediately as you may be liable for the uninsured exposure.

Remember, you as the primary contractor are liable for providing workers compensation insurance for uninsured subcontractors.

Go Slow While Shoveling Snow

2011-12-23T12:14:00.000-06:00

Our friends at Standard Mutual Insurance have given us some good information on snow shoveling that we thought would be beneficial to share with all of you.

Snowstorms can be deadly in many ways, shoveling the white stuff is one of them. Hundreds of people die each year from heart attacks suffered while shoveling snow.

The American Heart Association says those most at risk are middle-aged or older and sedentary. Cold requires the body to work harder to keep warm. Combine that with the exertion of shoveling and it strains the heart. Wet, heavy snow is the most dangerous.

The association gives this advice:

Wear layered clothing. Take the outer layer off if you get hot. Less clothing will also help you move better.
Push it, don’t lift it. Use a shovel with a curved plade. Push snow to the side of a walkway, even if it leaves a narrower path to walk on. For a driveway, push only enough snow to the side for one car to get out. If you must lift, use a smaller shovel on walkways that doesn’t allow you to pick up as much snow. It may take a little longer to clear a path but it will be easier on you in the long run.
Use a leaf blower instead. When several inches of snow are predicted, power up your leaf blower and blow off the walkway and drive way two or three times before the snow gets deep.
Take breaks. Don’t feel that you have to do the whole shoveling job at once. If you feel tired, stop and rest or go inside for a time to recover. Don’t push yourself.
Shovel before dinner. Eating a heavy meal before you shovel your driveway puts additional strain on the heart.

Dealing With Snow Plows

2011-11-17T09:54:00.000-06:00

Washington State DOT cautions you never to crowd a snowplow. The front of the plow extends several feet and may cross the center line or shoulder.

Give plows plenty of room. They turn and exit frequently. Stay back about 15 car lengths.

Snowplows throw up a cloud of snow. Never drive into a snow cloud. There could be a plow inside.

If you are behind a plow, stay there or use extreme caution when passing.

Never Use Cruise Control on a Rainy Day

2011-11-02T17:20:00.000-05:00

Cruise control is designed for normal road conditions. It doesn't know when the pavement is slippery. Under slick conditions, you need to be in complete control and monitoring the road conditions. You're more likely to notice hydroplaning if you're not relying on the cruise control. In some cars, it is possible that the wheels may actually spin faster when in or engaged in cruise control and the car hits a slippery spot. When the tires make contact with the firm road again, the car can skid or lose control.

On most cars, the cruise control is disengaged by tapping the brake. In an emergency situation, this adds a fraction of a second to your response time as well as the risk of the braking action itself causing a loss of control on a slippery road.

For all your insurance needs contact Mars Insurance Agency or visit our website at www.marsinsurance.com

Winterizing Your Home

2011-10-27T10:45:00.001-05:00

Here are a few simple steps that can help you stay cozy indoors during this cold, winter season and save on heating costs, as well.

Have your heating system checked by a professional annually. This will ensure that your system is working safely and efficiently which, in turn, will save you money. If you heat by wood, clean your fireplace or stove. Have your chimney flue checked for any buildup or creosote and then clean to lessen the risk of a fire.
Make sure your home is properly insulated. If necessary, insulate walls and attic. This will help you to conserve energy and reduce your home’s power energy and reduce your home’s power demands for heat.
Caulk and weather-strip doors and windowsills to keep cold air out.
Install storm windows or cover windows with plastic from the inside. This will provide an extra layer of insulation keeping more cold air out.
To keep pipes from freezing, wrap them in insulation or layers of old newspapers; cover the news papers with plastic to keep out moisture; let faucets drip a little to avoid freezing; know how to shut off water valves.

Source: New York State Emergency Management Office website

For more information contact Mars Insurance or visit our website at marsinsurance.com

Survey: Risky Online Behavior Exposes Many to Lawsuits

2011-08-19T14:34:00.000-05:00

Feb 16, 2010

Nearly 30% of people have cleaned up their social networking profiles for job interviews, and the economic downturn has made them more cautious about posting on social media sites.

A new telephone survey sponsored by the Chubb Group of Insurance Companies reveals that more than one in four (27 percent) individuals say they have posted a comment on a news site or blog. One third of 18 to 34 year-olds have posted a comment to news sites or blogs. And 37 percent of those respondents making $100,000 or more have posted a comment.

The survey, which polled 1,000 Americans, shows that while some people are being cautious about putting personal information online, many are unaware of the liability exposures associated posting comments to blogs or other Internet sites.

"A foolish post or a tweet could cost you a job or even trigger a libel lawsuit," says Christine Alderman, vice president of Chubb & Son and new product and services manager with Chubb Personal Insurance. "We all should think twice before posting any comment online."

The survey also asked respondents about obtaining permission to share copyrighted online materials. Sixty percent of respondents said they rarely or never obtain permission to cut and paste articles, other information or artwork from copyrighted websites before emailing them out and distributing them to others. One in four (25%) respondents said they always obtain permission.

Only 2 percent of respondents said they have lawyers review comments before posting them on their blogs.

"This raises significant risk issues for the owner of the blog," says Alderman. "There are different schools of thought with regard to allowing comments to be posted directly to the site versus reviewing comments before they are posted. The safest and most conservative approach is to require pre-registration before allowing comments and to preview the comments before they appear online. This may not be practical for everyone, but there are other ways to protect yourself."

Forty-five percent of the respondents were members of one of the following social networking sites: Facebook (37%), MySpace (19%), LinkedIn (9%), and Twitter (6%). Nearly 60 percent of respondents earning $100,000 or more belonged to one of these sites.

The telephone survey was conducted by Opinion Research Corp.

Source: Chubb Group of Insurance Cos., www.chubb.com/personal

Find this article at http://www.insurancejournal.com/news/2010/02/16/107401.htm

For all your insurance needs contact Mars Insurance or visit our website at www.marsinsurance.com .

Beat the Heat!!

2011-08-02T08:20:00.000-05:00

As the hazy, lazy days of summer approach, we all do what we can to stay cool. To help your house conserve energy and stay cooler, consider the following:

•Make certain airflow to your outdoor air conditioning unit is not blocked by shrubbery or other obstructions.

•Keep draperies, blinds and shades closed during the hottest part of the day.

•Keep windows and doors tightly closed when operating air conditioning equipment.

•Close closet doors in air-conditioned rooms.

•Close all openings into the attic from air-conditioned areas.

•Turn off unnecessary lights.

•Check your air conditioning or furnace filter regularly and clean or replace it as needed.

•Plan cook-free meals of cold cuts, fresh vegetables, fruits and salads.

•Do your cooking, showering, washing clothes, drying and ironing in the morning or evening when temperatures are cooler.

For all your insurance needs contact Mars Insurance Agency or visit our website at http://www.marsinsurance.com/.

Source: American Electric Power Co.

Boating Safety Tips

2011-06-22T15:02:00.000-05:00

Have a safe boating season by following these tips:

•Take a boating safety course offered by your state DNR, Law Enforcement, or U.S. Coast Guard agencies.
•Make sure your boat is in top operating condition and that there are no tripping hazards.
•The boat should be free of fire hazards and have a clean bilge.
•Have safety equipment that is required by law on board at all times and maintained in good condition, also be sure to know how to use it.
•File a float plan with a relative or friend, or at the very least, let someone know where you are going and when you plan to return.
•Have complete knowledge of the operation and handling of your boat.
•Know your position and where you are heading.
•Maintain a safe speed at all times to avoid collision.
•Keep an eye out for changing weather conditions.
•Know and obey federal and state regulations and waterway markers.
•Maintain a clear, unobstructed view forward at all times. “Scan” the water back and forth; avoid “tunnel” vision. Most boating collisions are caused by inattention.

Remember to always practice safety while operating any vessel or vehicle.
Also remember to have the proper insurance in place. No one ever plans to have a loss, but they do happen. Keep peace of mind by having your boat coverage in place.
Let Mars Insurance help you with your personal insurance.

Water Water Everywhere!

2011-05-19T09:47:00.000-05:00

Am I protected from a flood? PROBABLY NOT!
Flooding occurs in EVERY state! Many people find out too late that they are at risk for flooding, and even worse that their property insurance doesn’t cover flood damage.
• Your Homeowners policy DOES NOT cover flood loss to your home and contents.
• In certain areas, the chance of a flood is 25% greater than a loss due to a fire during a 30-year mortgage.
• 6 out of every 10 declared disasters involve flooding.
• Homes in areas where there is new construction or where there have been other events such as forest fires, may be in greater danger than in the past because of changes to the land around them.
• 25% of all floods occur outside of a high-risk flood area.
• Federally backed mortgages in certain areas require flood insurance policies for the life of the mortgage.
To ensure that your property and belongings are protected, call your independent insurance agent.
Even if you already have a flood policy, you may want to discuss coverages with your agent to ensure that your policy is up to date.
For all your insurance needs please contact Mars Insurance Agency or visit our website at www.marsinsurance.com
Information courtesy of Travelers.

Bicycling "Rules of the Road"

2011-05-18T14:34:00.000-05:00

Bicycles are considered to be toys by some people, but for others they are a means of transportation and exercise. But whatever their purpose, bicycles can be dangerous if they are not operated with safety sense in mind.
Here are some “rules of the road” for serious bicyclists:
• Bicycles are subject to the same traffic rules as automobiles, so obey all highway signs and regulations.
• Ride off the right-hand side of the road, with traffic, not against it.
• Ride single file.
• Only cycles with 20-in wheels, or less, are permitted on sidewalks.
• Use arm signals to indicate stopping or turning.
• Bicycles must yield to pedestrians.
• Lights are required for nighttime riding.
• A bicycle must have a horn or bell to sound a warning when necessary.
Source: Safety Sense Enterprises, Inc., Ottawa, Ontario, Canada
For all your insurance needs contact Mars Insurance Agency or visit our website at www.marsinsurance.com.

Drive Safely And Defensively

2011-05-11T13:42:00.000-05:00

Because cars have changed and new features are being added all the time, leaders of safe driving courses say these are the best ways to avoid an accident:

Know your car, its features and how to use them.

Focus on driving. Do nothing else including texting, eating or conversing with passengers, especially in traffic.

Stay alert. if you can't remember driving the last 50 miles, your mind is not on driving and you won't be able to react quickly to an emergency.

Intersections are danger zones. Be extra careful. If turning left, keep your wheels straight until you are turning.

Keep side mirrors adjusted to give a full view of what's behind you and what's coming on either side.

Stay a car length's distance behind the car ahead for every 10 miles per hour you are driving. Add an additional distance if it's raining.

At night, park in well-lighted areas. Don't park between 2 vehicles that are larger than yours. You won't be able to see when you back out.

If you have a close call or a near miss, analyze the situation to see what you could have done to avoid it.

There are instances where you must yield the right of way. Assume that there are no instances where you are guaranteed the right of way.

For more information contact Mars Insurance Agency or visit our website at www.marsinsurance.com

Inexpensive Home Maintenance Can Prevent Big Expenses in the Future

2011-03-23T09:49:00.000-05:00

For a few hours of time and a small investment, you can do a lot to protect your property. Even renters can ensure comfortable surroundings with some of these tips:

Get energy efficient. If you have not yet installed a programable thermostat, now is the time to do so. You can reduce your cooling costs by 10 percent, according to the U.S. Department of Energy. Thermostats cost between $40 and $70.

Seal around the tub and shower. Cracked or poorly sealed calking around tubs, showers and sinks can lead to water damage to floors, walls and the ceilings below, say experts writing in Money magazine. When you see cracks or gaps, buy a $5 tube of caulking and reapply.

Prevent fires. Check your fire extinquishers to see if they are still charged. If you need a new one, buy an extinquisher that works on both kitchen and electrical fires. The National Fire Protection Agency recommends one that is labeled ABC. Cost is about $40.

Prevent Shocks. Electrical outlets near water in the kitchen and bathroom should have ground fault circuit interrupters that protect from a shock. They have "test" and "reset" buttons. If you need one, the GFCI costs about $10, but you should hire an electricial to install it.

Service the garage door. Spray penetrating oil such as WD-40 into the hinges and rollers so the door will open and close more easily. Test the safety reverse mechanism by placing an object in the door's path to see if it stops. WC-40 costs about $7.

This information is courtesy of Standard Mutual Insurance Company. These tips are small in cost, large in safety.

Be safe and keep watching this blog for additional tips and useful information.

Contact Mars Insurance to see how we may better serve you or visit us on the web at www.marsinsurance.com.

Pet Blog Up and Running

2011-02-26T10:26:00.000-06:00

I would like to let everyone know that Bark, Purr and Insure is finally back up and running. Visit our pet blog at www.barkpurrandinsure.com

Mini-Physical Exam
Make the home checkup an extension of the normal attention you pay your dog, and he will not even know that he is being “examined.” It doesn’t matter where you perform the exam, as long as both you and your dog are comfortable.
Skin and Coat
Weekly grooming provides a good opportunity for evaluating the health of the skin and coat. Pass your hands over your dog’s body, feeling for swelling, asymmetry, or sensitive areas. Call the veterinarian if you discover patches of hair loss, the black flecks that signal the presence of fleas, scabby or reddened areas, or skin bumps. With your dog facing away from you, gently lift the tail and take a quick peek at the rear end. If you see tan-colored rice-size objects, you are probably looking at packets of tapeworm eggs, which require veterinary treatment. Next, use a moist paper towel to clean away any feces. In long-coated dogs in particular, feces can get caught in the fur and, if trapped against the skin, can cause serious problems. If the hair has become matted, use scissors to carefully cut out the mats yourself, or, better yet, take your dog to a vet or groomer, who can use clippers to remove them.
Ears
With our dog facing you, gently pull up on the earflap and look at the inner surface and down into the ear canal. The ears should be clean and light pink in color. Any discharge, redness, swelling or odor is abnormal. Never insert anything into your dog’s ear canal- doing so can aggravate an ear condition or even cause trauma or infection.
Eyes
Face your dog head-on and examine the eyes. They should be bright, and both pupils should be of equal size. There should be little if any tearing at the corners of the eyes, and the inner eyelids should not protrude. Gently roll down the lower eyelid with your thumb; the tissue lining the lid should be pink, not white or red. Be sure your dog is not squinting with either eye.
Mouth and Nose
With your dog facing you, lift up the lips to examine the gums and teeth. The gums should be pink, not white or red, and should show no signs of swelling. The teeth should be clean, without nay brownish tartar. Sniff your dog’s breath; while a dog’s breath is never pleasant, a strong, fetid odor is abnormal and may indicate a problem. Excessive drooling can also be a sign of oral disease. There should be no nasal discharge.
Information courtesy of ASPCA Complete Guide to Dogs

Visit www.isyourpetcovered.com
Remember the priority code is BR10MARS87

For all your insurance needs contact Mars Insurance or visit our website at www.marsinsurance.com

Avoiding Laundry Room Disasters

2011-02-24T10:37:00.000-06:00

There are a number of areas in your laundry room that if not properly maintained, may be putting your home at risk of water damage. Here are some specific areas in your laundry room that are at risk and what you can do to prevent potential losses.
Washing Machine Connections
Inspect for tiny leaks in the connections to both the hot and cold water lines. Repair even the most minor leak.
Check both ends of the water lines for possible leaks. Replace the small hose washer in the lines if they haven’t been replaced recently.
Check for discharge hose kinks and cracks. If the hose is brittle or old, replace it.
Money-saving Home Tip: The most destructive water damage losses in homes come from broken or burst washing machine hoses. In fact, the output of water from a broken hose is approximately 650 gallons per hour! It is recommended that you replace you machine’s rubber hot-and-cold hoses with woven steel hoses. For less than $15 you can get six feet of woven steel hose from your local home improvement store. This simple upgrade could save your home from serious water damage problems.
Hard Water Problems
In areas with hard or mineral-laden water, if the washer is slow to fill, there’s a good chance that the in-line filter is clogged. Turn off the water supply and remove the hoses. Remove the small wire filters from the washer inlets, or, if not removable, use an old toothbrush, cotton swab or shop vacuum to clean out the clogged filters.
Is there a steady drip into the washing machine? Grit has probably damaged the shut-off valve. Repair it yourself or call an appliance repair specialist.
Hoses & Filters
Inspect and periodically all types of hoses.
When replacing hoses, be sure to also install new hose washers.
Utility Sinks
If the utility sink drains sluggishly, take steps to remove the blockage.
Watch for any signs f dipping faucets, water damage to the flooring, or leaks in the drain pipe. Do not ignore even a small leak.
Dryer Connections
If the dryer vent hose isn’t tightly connected to the outside vent, repair the clamp or re-tape to seal.
If dryer lint is accumulating behind and under the dryer, the vent pipe may be clogged. Check that it is free of debris, bother from the inside and outside of the house.
If there are too many twists and turns in the line for the dryer to vent efficiently, make the exhaust more short and straight.
Laundry Room Smart Tips
Give the utility sink periodic drain treatments to prevent clogs and promote free drainage.
If at all possible, connect the dryer hose in a straight line with the outdoor vent.
Metal dryer vent pipes are preferable to the plastic accordion types/
Hose clamps and good metal HVAC tape can help seal up a poorly connected dryer hose and eliminate excessive moisture and dust accumulation.
Make it a habit to vacuum around and behind the washer and dryer routinely.
Keep the laundry area clean. Dust and dirt combined with moisture can promote unwanted growth.
Remember to clean out the dryer lint trap after each load.

*Information brought to you by Kemper.

For all your insurance needs contact Mars Insurance or visit our website at www.marsinsurance.com

Not Even for a Minute

2011-02-17T09:40:00.001-06:00

Most well-meaning parents have done it. On a hectic day of running errands with children in tow, we have left the kids in the car “just for a minute” while running into the dry cleaners, convenience cart or dropping another child off at school. It seems like a harmless thing to do and definitely shaves minutes off a hurried day. However, the results of leaving a child unattended in a vehicle can be deadly.
KIDS AND CARS urges parents to NEVER leave children unattended in or around a vehicle- “Not even for a minute.”
Below are just a few examples of what has happened to children who were left unattended in an automobile:
Heat stroke that led to permanent brain damage or death
Injuries or deaths occurred because a child climbed out of the car seat and shifted the car into gear.
Became ill or worse from heat or car fumes
Abducted when someone broke into the car
If the vehicle is running or the keys are left in the ignition, the risks dramatically increase for the following:
Vehicle stolen (the car and the children)
Setting the vehicle in motion by unattended children
Children becoming seriously injured or die by activating power controls
Safety Tips:
Children should never be left alone in a vehicle, not even to run a quick errand.
Keep vehicles locked at all times; even in the garage or driveway
Keys should never be left within reach of children
Always make sure all child passengers have left the vehicle after it is parked
Walk around and behind a vehicle prior to moving it
Make sure that another adult is properly supervising children before moving your vehicle
Consider installing cross-view mirrors and/or a back up detection device on your vehicle
If a child is locked inside a car, get them out as quickly as possible. If they are very hot or seem sick, call 911 or your local emergency number immediately.
When a child is missing, check vehicles and car trunks right away.
Teach your children to never play in, around, or behind a vehicle
Be especially careful about keeping children safe in and around cars during busy times, schedule changes, and periods of crisis or holidays.
It is important to realize how potentially dangerous it is to leave unattended children in or around a vehicle. Just a reminder…Your children are priceless.
This information was provided by KIDS AND CARS, an organization dedicated to spreading awareness about the dangers of leaving children unattended in or around motor vehicles. For more information, visit www.kidsandcars.org.
For all your insurance needs contact Mars Insurance or visit our website at www.marsinsurance.com

Tips for Dealing with Melting Snow and Ice

2011-02-14T10:50:00.001-06:00

In light of the excessive snow and ice that has shut down multiple states, here are answers to two of the most frequently asked questions now that the thaw is upon us.
If your client carries a water backup endorsement, coverage is triggered when water backs up through the sump pump or floor drain.
Groundwater coming through walls and windows is generally not covered unless it escapes directly from a pipe without communication to ground.
Here are some tips you can share with your clients in advance of the melting snow, to help them avoid possible water intrusion.
Make certain to rake your roof, even if you can only rake the first four or five feet from the gutter.
Be careful when approaching roof overhangs with icicles; they can drop at any time.
Make certain that the sump discharge pipe outside your home is not blocked by ice or snow.
Shovel snow away from the perimeter of your home as that will reduce the amount of water entering the ground next to your home’s foundation while the snow melts.
If possible, have a back-up power source for your sump pump.
Check to make sure your power service lines are clear of ice and snow as these can detach from the home and leave you without electricity increasing the risk of frozen pipes and backup of your sump system.

(c) Kemper. All rights reserved.
Visit us at www.eKemper.com

For All your insurance needs contact Mars Insurance or visit our website at www.marsinsurance.com.

Dealing With Ice Dams

2011-02-08T19:09:00.000-06:00

Ice dams occur when ice builds up along the eaves of your roof. Ice dams form when snow and ice melt off the main part of your roof and re-freeze when they reach the eaves. This happens because the eaves (the overhangs at the edge of your roof) tend to be colder than the rest of the roof. If the ice dam grows large enough, it may prevent water from draining off the roof. The water can then back up underneath the roof shingles and make its way inside your home.
You can take immediate steps to help prevent damage from ice dams:

Clearing snow and ice off the roof before it melts is the best way to keep ice dams from forming. If your roof is accessible from the ground, a roof rake can be a safe and effective way to remove snow from the edges of the roof where ice dams occur.

If your roof is not accessible from the ground, a contractor may be able to help.

If you cannot safely access your roof from the ground, it is best not to try. Never attempt to climb on a snowy or icy roof, and never place a ladder on snowy or icy ground. Also, keep in mind that chipping the ice with a mechanical device can be dangerous and may result in damage to the roof.

Make sure to shovel around downspouts so that your gutters can drain freely. This will help prevent ice buildups in gutters.

Properly insulating and ventilating your attic will help reduce the chances of snow melting on the roof and refreezing at the eaves.

If you have already contacted a licensed and insured contractor to help with emergency repairs, be sure to document any expenses so they can be considered for reimbursement.

© 2011 The Travelers Indemnity Company. All rights reserved. CE-10223 New 1-11

For all your insurance needs contact Mars Insurance or visit our website at www.marsinsurance.com

What to do if You Drive Off the Pavement Edge

2011-02-05T10:42:00.000-06:00

You may drive off the road or be forced off the road for any number of reasons, so it’s good to know what to do- and what not to do- if it happens. It’s not about returning to the road quickly, it’s about returning to the road safely. Follow these steps:
If the shoulder is wide enough and your path is clear
Continue to look at the road ahead. Drive all the way onto the shoulder. Gradually stop and “collect yourself.” Wait for a large gap in traffic, and then drive back onto the road.
If you can’t drive all the way onto the shoulder and stop
Continue to look and steer straight ahead. Do not try to steer back onto the road immediately- this can cause you to lose control of your vehicle and crash.
First, if you’re driving at a high speed and you suddenly steer sharply, you may accidently drive into oncoming traffic.
Second, if your tires are close to the pavement edge and you attempt to drive back onto the road, they may “scrub’ against the pavement edge making it very difficult to drive back onto the road. If you do drive back with your tires scrubbing, you may lose control and crash into another vehicle or into something on the side of the road.
If there are no obstacles directly in front of you
Steer to “straddle” the pavement edge. Move the tires that are off the road away from the pavement edge, and then steer parallel to it. This will prevent your tires from scrubbing. Most importantly, continue to look at the road ahead.
Do not slam on the brakes!
Ease off the gas pedal. If you need to brake, brake very gently. If you brake hard wile your tires are on a different surface, this can cause your vehicle to skid.
Slow down gradually
Slowing down will help you get back onto the road without losing control. If there are no obstacles in front of you, slow down to 25 mph or less before mounting the pavement.
Take some time to “calm down”
If you have room, drive all the way off the road and as far onto the shoulder as possible to stop.
Wait until it’s safe
After you’ve slowed down or stopped, wait until there is a gap in traffic. Do not try to drive back onto the road if there is traffic in your lane, an adjacent lane, or any oncoming traffic.
When the road is “all clear,” turn the steering wheel about one-quarter turn to the left. Drive back onto the pavement. When all of your tires are on the pavement, steer back to the right to stay in your lane.

For all your insurance needs contact Mars Insurance or visit our website at www.marsinsurance.com

10 Ways to Prevent Zoonotic Diseases

2011-02-04T18:37:00.000-06:00

In light of our pet blog being down for repairs I would like to post this blog and remind everyone that Mars Insurance does right pet insurance.

10 Ways to Prevent Zoonotic Disease Threats to Your Family and Your Pet
Zoonotic diseases are illnesses which can be transmitted from pets to people or infect both animals and humans. Here are some ways to protect your loved ones from Zoonotic diseases:
1. Wash your hands often when touching, playing with or caring for pets.
2. Never handle the stool of any animal without wearing disposable gloves or using a plastic barrier.
3. Avoid kissing your pet or letting your pet lick your face.
4. Do daily “tick checks” on yourself, your kids and your pet. If you find a tick, use tweezers to slowly pull it out. After removing the tick, immerse it in rubbing alcohol. Wash the tick bite would and your hands with soap and water.
5. If you are pregnant, ask someone else in the family to clean the cat’s litter box. I you must do it yourself, wear gloves and immediately wash your hands after changing the litter.
6. Wash your hands after gardening or working in soil where pets may have relieved themselves.
7. If you are scratched or bitten, wash the area with soap and water right away and administer first aid. I you are concerned, contact your healthcare professional.
8. Make sure your pet is protected against disease threats in your area.
9. Baring your pet to a veterinarian for a wellness exam at least twice a year, so problems can be detected or prevented.
10. Talk to your veterinarian and visit www.NPWM.com for more information about preventing Zoonotic diseases.

Information courtesy of the American Veterinarian Medical Association

For all your insurance needs contact Mars Insurance or visit our website at www.marsinsurance.com

Just For Fun- Banana Fun Facts

2011-02-03T11:00:00.000-06:00

Bananas are America’s number 1 fruit.
As bananas ripen, the starch in the fruit turns to sugar, therefore the riper the banana, the sweeter the taste.
There is no such thing as a banana tree; bananas grow on plants.
Bananas are a significant source of potassium and vitamin B6; they also contain lesser amounts of folic acid and vitamin C.

For all your insurance needs contact Mars Insurance or visit our website at www.marsinsurance.com

Hands-Free Cell Phone Systems Make Driving Safer

2011-02-01T11:04:00.000-06:00

Many states are targeting distracted drivers. The use of cell phones and texting while driving are at the heart of legislation
Highway safety experts don’t agree on whether hands-free cell phones are enough of a distraction to merit bans. Many question the value of cell phone laws of any kind because, for one thing, they are very difficult to enforce.
Jim Vondale, Ford’s safety vice president, recently visited safety groups and government officials in Washington, D.C., in an effort to gain support for the Sync hands-free system offered on all Ford models. The system is for talking, texting and entertainment.
Ford research shows that when drivers were asked to perform several driving tasks while using the system, there was no difference in the ability to do them. When drivers When drivers using the Sync system were asked to acknowledge a pedestrian, for example, their response time was less than when they used a hand-held phone.
Vondale says the real risks are hand-held phones, younger drivers, and texting people while driving.
According to USA Today, many high-end vehicles now have hands-free systems such as General Motors’ OnStar satellite communications system and BMW’s Bluetooth system.
Other distractions… It is well documented that drowsy drivers cause more severe consequences than drivers using a cell phone.
Studies by Virginia Tech found that reading or turning around to get something in the back seat while driving can be riskier than talking on a cell phone.
What you can do… Get enough sleep so you won’t be drowsy while driving. If you get sleepy anyway, pull over and take a nap.
Never text on a hand-held phone while driving. Pull over and do it.
Whether your phone is hand-held or hands-free, keep on-the-road conversations short to reduce your risk of being a distracted driver.

For more information contact Mars Insurance or visit our website at www.marsinsurance.com

Winter Driving: A Few Things to Remember

2011-01-31T14:55:00.002-06:00

Headlights should be on
Four-wheel drive won’t help you stop any faster
Abrupt action while steering, braking or accelerating could make you lose control of the vehicle.
Make your own driving decisions. Cruise control can’t see ahead or judge the condition of the road.

Source: Standard Mutual Newsletter

For more information contact Mars Insurance or visit our website at www.marsinsurance.com

Winter Driving Tips

2011-01-24T22:26:00.000-06:00

Preparing your vehicle for the winter season now will help ensure your vehicle is in good working order when you need it most.

Have a mechanic check the following items on your vehicle: battery; wipers and windshield washer fluid; antifreeze; ignition system; thermostat; lights; exhaust system; flashing hazard lights; heater; brakes; defroster; oil level.

Install good winter tires. Make sure the tires have adequate tread. All-weather radials are usually adequate for most winter conditions. You may also want to carry a set of tire chains in your vehicle for heavy snow conditions. This depends on the laws of your state. Check your state and county laws to see what is allowed on the roadway.

Keep a windshield scraper and small broom for ice and snow removal and maintain at least a half tank of gas throughout the winter season. It may also be beneficial to carry a bag of salt or sand in your vehicle. Not only does this give a little extra weight in the vehicle but can be used to give extra traction if the vehicle gets stuck in the snow or on ice.

Finally, plan long trips carefully. Listen to the local media report or call law enforcement agencies for the latest road conditions.

Source: New York State Emergency Management Office website

For more information contact Mars Insurance or visit our website at http://www.marsinsurance.com/

The difference between Comp and Collision

2011-01-20T08:03:00.000-06:00

Do you know the difference between Collision coverage and Comprehensive coverage for your vehicle? First up -- these are the two main coverages that protect your car:

Collision: With Collision coverage, the insurer will pay to repair damage to your car when you hit, or are hit by, another vehicle or object, regardless of who is at fault. When you buy Collision, you choose a deductible, typically $250 or $500 but can go higher. This is the portion you pay if you have an accident. Remember, the higher the deductible, the lower the premium. The insurance company then pays for the remaining costs to bring your vehicle back to pre-accident condition.

Comprehensive: With Comprehensive coverage, the insurer will pay to repair damage to your car that's caused by something other than a collision, such as fire, theft, vandalism, hail, or flood. They also pay for damage caused by hitting an animal, and they pay for a rental vehicle if your car is stolen when you have rental coverage listed on your policy as an additional coverage. Like Collision, when you buy Comprehensive, you choose a deductible.

For more information contact Mars Insurance or visit our website at http://www.marsinsurance.com/

Learn how we can cover your car, your house, your pet, your health, your valuables and anything that is important in your life. Do you have a wedding in your future? Learn about wedding insurance at http://www.marsinsurance.com/personal-insurance/wedding/ .

Safe Holiday Travels

2010-12-02T15:09:00.000-06:00

The Holidays are in full swing and that means the busiest travel time of the year is upon us. Now many might take the train or take to the skies but most hit the highways. According to AAA an estimated 87.7 Million Americans traveled more than 50 miles over the holidays last year and 85% of those people drove.

We all know that driving can be stress full enough but when you mix in ice, snow, stress and screaming children who just want to open those presents you have sitting in back of the car things can be even more challenging. Thankfully our friends at the Better Business Bureau and Comparison Market have a few tips to keep you safe on the road this Holiday Season.

-The last thing we want is to break down on the way to grandmas but if you do you need to be prepared. Make sure to keep a Car Safety Kit with you. It should include a blanket, flashlight, batteries, radio, first aid kit, jumper cables, gloves, water, and non perishable snacks such as granola bars. This may seem like a lot but if it’s late at night and you have no way of getting help till someone passes by you need to be ready to wait.

-Keep off you phone but keep it charged! We all know talking or texting on the phone while driving is a bad idea and when you add that to ice and snow things only get worse. However make sure to keep your phone charged and accessible just incase there is an emergency. Nothing is worse than breaking down and then discovering you can’t call for help.

-Check the road conditions before you leave. Now were not just talking about what the roads look like at the moment you leave. Turn on the weather and see what things are going to look like on your way home and plan accordingly. Do you really want to get stuck at you in-laws all night?

-Make sure you have your current proof of insurance with you. It’s always a bad time when you get into an accident but it only gets worse if you forget that updated insurance card on the kitchen counter.

-Winterize your Car. Make sure the oil is changed and the tires are properly inflated. Check the condition of your wiper blades and test out your heater and defroster. Make sure all fluids are topped off and that your breaks are in good solid condition. If you have family coming from out of state especially a warm climate like Florida make sure their car is also ready for the colder conditions and have them take it to a mechanic to do so. Remember many fluids and other car parts sold and used in strictly warm weather climates won’t stand up to the cold of a Chicago winter. It’s very hard to see when that windshield wiper fluid is frozen solid.

-Its common sense but wear your seat belt. It can easily save your life in an accident and in most states it’s also the law.

-Along with wearing those seatbelts make sure your children are properly seated. Obviously infants and toddlers need to be in a child safety seat but did you know that children under 4”9” need to be in a booster seat as well.

-Take your time and slow down. We all want to get to get to that wonderful food as soon as possible but the days before and after Christmas and New years have the heaviest and most dangerous holiday traffic. There is no reason to be in an extra rush if you’re afraid of being late to the party try to leave earlier than you normally would.

-Finally never ever drink and drive!!! We all know that alcohol is a common part of the holiday festivities, and there is nothing wrong with that but please don’t drink and drive. Make arrangements to stay where you are or have a designated driver. Remember that taxi’s are also readily available to get you home safely if you can’t stay where you are at.

We hope these tips help to keep you safe over this holiday season and as always if you have any questions regarding your insurance coverage please visit us at http://www.marsinsurance.com/.

Happy Holidays!!!

Turkey Day

2010-11-23T12:05:00.000-06:00

Thanksgiving is only a couple days away and we just wanted to take a moment to share a few turkey day cooking tips to help keep you safe for this holiday.

Remember that over 4000 fires start each year on Thanksgiving Day and most of those are due to cooking related accidents.

Before the cooking begins make sure to clean your oven or stove.

Remember that young children and pets love to be under foot while you are cooking and given how extra chaotic Thanksgiving Day can be it’s a good idea to clear a 3-foot safe zone around your oven.

If a small fire starts in a pan on the stove, carefully slide a lid on the pan and turn off the burner. If a fire starts in the oven or microwave, keep the door closed. Then, turn off the oven or unplug the microwave as soon as possible. Leave the door closed until the appliance is cooled down. Using water can splatter a cooking fire around the kitchen.

Finally, when it comes to the turkey, remember that turkey fryers can spew hot oil while you’re cooking so be extra careful. Never drop a frozen turkey into hot oil!!!

We thank our friends at the Washington Herald for this information and remind you all to please be extra careful this turkey day and have fun.

If you have any questions regarding your insurance and turkey fire coverage please visit us at http://www.marsinsurance.com/

Have a Happy Thanksgiving!!!

Stay Safe During the Holidays

2010-11-09T15:39:00.000-06:00

With the Holidays just around the corner and the decorations about to go up remember December is prime time for home fires. Here are some old and new suggestions for a safe holiday season from our friends at Standard Mutual.

-Look for the fire-resistant label on artificial trees and decorations.

-Buy a natural tree that is really fresh. It should have needles that are hard to pull off.

-For outside decorations, buy only those made specifically for outdoors. Use heavy-duty extension cords and plug them into circuits that have a good ground fault interrupter.

-Get a remote control to easily turn off lights before you go to bed or it rains or snows.

-Avoid fires by staying in the kitchen when cooking on the stove top.

-Put heat resistant candles in places where they can’t burn something or get knocked down.Before lighting a fireplace or wood stove, clear the area of tree boughs, paper and other combustibles. Never burn gift wrappings in a fireplace.

-Put indoor and outdoor lights on a timer.

-If cold weather makes you want to use an indoor heater of any kind make sure it is positioned well away from curtains, trees and decorations.

We hope these tips help to keep you safe during this upcoming holiday season and if you may be wondering if your current insurance policy will cover you in the event that you have a small holiday fire in the home this year or if you have any other insurance questions please visit us at http://www.marsinsurance.com/.

Avoiding a Laundry Room Disaster

2010-10-27T22:10:00.000-05:00

There are a number of areas in your laundry room that, if not properly maintained, may be putting your home at risk of water damage. Here are some specific areas in your laundry room that are at risk and what you can do to prevent potential losses.

Washing Machine Connections

Inspect for tiny leaks in the connections to both the hot and cold water lines. Repair even the most minor leak.
Check both ends of the water lines for possible leaks. Replace the small hose washers in the line if they haven't been replaced recently.
Check for discharge hose kinks and cracks. If the hose is brittle or old, replace it.

Money-saving Home tip: The most destructive water damage losses in homes come from broken or burst washing machine hoses. In fact, the output of water from a broken hose is approximately 650 gallons per hour! It is recommended that you replace your machine's rubber hot and cold hoses with woven steel hoses. For less than $15 you can get six feet of woven steel hose from your local home improvement store. This simple upgrade could save your home from serious water damage problems.

Hard Water Problems

In areas with hard or mineral-laden water, if the washer is slow to fill, there's a good chance that the in-line filter is clogged. Turn off the water supply and remove the hoses. Remove t he small wire filters from the washer inlets, or, if not removable, use an old toothbrush, cotton swab or shop vacuum to clean out the clogged filters.
Is there a steady drip into the washing machine? Grit has probably damaged the shut-off valve. Repair it yourself or call an appliance repair specialist.

Hoses & Filters

Inspect and periodically replace all types of hoses.
When replacing hoses, be sure to also install new hose washers.

Utility Sinks

If the utility sink drains sluggishly, take steps to remove the blockage
Watch for any sighs of dripping faucets, water damage to the flooring, or leaks in the drain pipe. Do not ignore even a small leak.

Dryer Connections

If the dryer vent hose isn't tightly connected to the outside vent, repair the clamp or re-tape to seal.
If dryer lint is accumulating behind and under the dryer, the vent pipe may be clogged. Check that it is free of debris, both from the inside and outside of the house.
If there are too many twists and turns in the line for the dryer to vent efficiently, make the exhaust more short and straight.

Laundry Room Smart Tips

Give the utility sink periodic drain treatments to prevent clogs and promote free drainage.
If at all possible, connect the dryer hose in a straight line with the outdoor vent.
Metal dryer vent pipes are preferable to the plastic accordion types.
Hose clamps and good metal HVAC tape can help seal up a poorly connected dryer hose and eliminate excessive moisture and dust accumulation.
Make it a habit to vacuum around and behind the washer and dryer routinely.
Keep the laundry area clean, dust and dirt combined with moisture can promote unwanted growth.
Remember to clean out the dryer lint trap after each load.

Thanks to the Institute for Business & Home Safety for providing this material along with the folks at Kemper Insurance, a Unitrin Company. Visit IBHS for more ways in which to protect your home at www.ibhs.org.

Remember, all of us at Mars Insurance are advocates for home safety.

Student Loans and Life Insurance

2010-10-12T09:05:00.000-05:00

Do you have student loans or did you co-sign for any student loans?

Anyone that is involved with student loans should consider life insurance for the student, especially the co-signer. In the event of a serious accident involving death of the student, this is one of the most difficult loans to cancel leaving the remaining loan for the co-signer to pay off. Even filing bankruptcy will not forgive this debt.

On average, the cost of a life insurance policy is around $100.00 a year providing protection of $100,000 which can be used to pay-off student loans. In the event of an unforeseen tragedy, don't you want to have that protection?

Mars Insurance has many life insurance programs available from multiple companies. Contact us today and allow us to provide you with a program that is designed just for you.

Helpful Tips for Winterizing Your Home

2010-10-05T14:42:00.000-05:00

Fall is a good time of year to start thinking about preparing your home for winter, because as temperatures begin to dip, your home will require maintenance to keep it in tip-top shape throughout the winter months.

Here are some tips to help you prepare your home for winter:

· Make sure your furnace is in good working order. Check that the furnace filter is clean and replace it if it’s not. Make sure that the thermostat and pilot light are working properly and that the pipe brining fuel to your furnace isn’t leaking or lose.
· Have your heating ducts cleaned. The ducts should be vacuumed every five years.
· Trim trees and remove dead branches. Ice, snow and wind could cause weak tree trunks or branches to break, damaging your home or car, or injuring someone walking on your property.
· Remember all of the leaves falling off your trees this autumn? Well, a lot of them will remain in your gutters. Cleaning them out will help prevent water from building up and freezing in the gutters.
· As long as you’re cleaning out leaves, make sure none are clogging your chimney. Install a screen over the chimney top after cleaning.
· Check the caulking around doors and windows to make sure there’s no cracking or peeling. Re-caulking, if needed, prevents cold air from entering your home. Why pay a higher heating bill if you don’t have to?
· Keep snow and ice from building up around the bottom of the garage door so that it closes completely and doesn’t warp.
· Frozen water pipes can crack and spew gallons of water all over your home. You can prevent this by draining your outdoor hose bibs and by keeping your heat on even when you are away from home.
· Keep the house warm. The temperature in the home should be at least 65 degrees. The temperature inside the walls, where the pipes are located, is substantially colder than the walls themselves. A temperature lower than 65 will not keep the pipes from freezing.
· Make sure steps and handrails are in good shape. Broken stairs and banisters can become even more dangerous when covered with snow and ice. Make repairs now to prevent someone from falling and being seriously injured.
· Get to know your plumbing. Learn how to shut off the water, and know where your pipes are located. If your pipes do freeze, time is of the essence. The more quickly you can shut off the water, or direct your plumber to the problem, the better chance you have of preventing the pipes from bursting.
· Take special care if you plan to be away from home. If you are not going to be in your home this winter for an extended period of time, have the water system drained by a professional to keep pipes from freezing or bursting. Also, hire someone to check on your home on a regular basis. That way, a problem can be fixed quickly, lessening any damage. Activity at your home also reduces the likelihood that it will be burglarized.

Source: Insurance Information Institute

Look to Mars Insurance for more helpful tips on claim prevention. Ask Mars Insurance to review your policies to make sure you have the coverage you need in the event of a major loss.

Protecting Your Home with Enough Coverage

2010-09-14T11:57:00.000-05:00

If you're like most homeowners, you probably purchased enough insurance to equal the market value of your home. Unfortunately, this can lead to underinsurance. Why? Because the cost to rebuild your home completely is usually greater - often tens of thousands of dollars greater - than its market value.

According to a 2009 survey, nearly two-thirds of houses in the United States are underinsured. Of those houses, the average homeowner has enough insurance to rebuild only about 80% of his or her home according to Marshall & Swift/Boeckh 2009 Insurance to Value Index.

Reconstruction Costs vs. Market Value

Instead of insuring your home based on market value, it's best to purchase homeowners coverage based on the reconstruction cost.

While market value is based on fluctuating marketplace conditions for a house and a lot in a specific area, reconstruction cost is the amount of money it takes to completely rebuild your house with building materials that match the type and quality of the originals as much as possible.

When the reconstruction cost exceeds the market value, your home is underinsured.

That means without enough of the right coverages, you could be stuck with a big bill after a catastrophic loss - when you're least able to afford it.

Example: Tough Math for Underinsured Homes

Estimated Reconstruction Cost: $200,000

Amount your Home is Insured for: $150,000

What your out-of-pocket expense

may total if your home is destroyed: $ 50,000

What makes reconstruction costs rise? There are a number of factors that can increase reconstruction costs:

Building materials are very susceptible to inflation and are more expensive for reconstruction contractors who purchase them in smaller quantities than new home builders do.

Changes in building codes can add complexity and additional labor charges to a reconstruction project.

access to the reconstruction site due to old growth trees and neighboring homes can equal more costs.

Increased contractor demand after a disaster can also drive up costs.

Homeowners who reconstruct their homes face extra costs for demolition and debris removal, which is usually necessary before a home can be rebuilt.

Insuring your Home Improvements

If you've updated or renovated your home, but haven't increased the home value listed in your policy, you could be underinsured. Additional square footage and upgraded materials are just a few things that can boost a home's value.

The good news for you? You're reading this blog and therefore, you know that we can help you through the insuring process of your home.

The information provided was courtesy of Grange Insurance.

Household Tips for Handling Gasoline

2010-08-18T09:56:00.000-05:00

Most accidents occur in the summer months due to an increased use of gasoline for farming or recreational purposes (i.e. bonfires, burning leaves, boating, yard work, etc.). A lack of understanding of the explosive nature of gasoline by the general public seems to contribute to both its improper storage and misuse as a solvent, engine primer or fire starter. Gasoline burns decrease markedly in the winter months.

Most injuries associated with these products occur in the home, however, where the improper use and storage of gasoline and other flammable liquids can result in both personal injury and property damage. Knowing how to prevent these injuries can protect you and those you love from a devastating burn injury. The first step to ensure a safer home environment is to increase your awareness and identify potential hazards. The next step is to make the necessary changes in behavior and your environment. Change in the environment and modifying high-risk behaviors involves eliminating the cause of the problem, thereby reducing the risk.

Here are some helpful tips from the American Burn Association on how to handle gasoline with care in household situations:

Don't smoke, use matches or other ignition sources anywhere around gas. Gas vapors can travel far from gas containers in enclosed areas.

Use gasoline only in well-ventilated areas.

Turn off equipment and let it cool before filling the gas tank.

Never use gas to start the charcoal on a grill. Use a proper charcoal starter.

Store gasoline in approved containers in a cool, well-ventilated area such as a shed or a garage that is not near the house. Keep only a minimum amount on hand.

Never use glass or plastic bottles for gasoline storage.

According to a 2000 report by the National Fire Protection Association based on 1993-1998 data, the following are the gasoline-related annual estimates:

Community Fire & Burn Prevention Programs Gasoline Safety Campaign
• Over 140,000 fires, including 120,000 in vehicles (most of them unoccupied, fortunately).
• Over 6,000 residential fires.
• About 500 deaths.
• Thousands of hospital emergency room visits.
• Nearly $500 million in direct property damage costs from gasoline-related fires.

(Source: The U.S. Home Product Report, 1993-1997, Flammable or Combustible Liquids, National Fire Protection Association, Fire Analysis and Research Division, Quincy, MA, August 2000).

Additional information is available from the American Burn Association at http://www.ameriburn.org/

Remember, SAFETY FIRST!!

Keep following Mars Insurance for future blog posts on safety tips, insurance information and general need to know information.

Trailer Tips

2010-08-06T14:55:00.000-05:00

This is the time of year for camping trips and boating adventures and you may find yourself pulling a trailer along behind your vehicle as you travel.

We would just like to share these safety tips from the California Department of Motor Vehicles to help keep you safe as you tow that trailer.

First check your vehicles owners manual to verify the gross vehicle weight and towing capacity for your car or truck. You will need to know this information to make sure your vehicle is up to the job.

All vehicles handle differently and this is even more true while pulling a trailer. Even if you have pulled a trailer with your car or truck before something as little as the hookup, used to attach the trailer to your vehicle, can make a big difference in how you drive. So make sure to practice some turns and basic maneuvers around your neighborhood or another slower traffic area before hitting the road for the big trip.

Please know the height of your trailer so you don't get stuck under a bridge or tunnel. Remember, just because your car made it doesn't mean that the big box you're pulling will.

Do a final test on all electrical connections and make sure all your brake lights and signals are working on your trailer. Also, do a final check and make sure that the hitch is still hitched correctly. You never know who may have bumped into things as the car was being loaded up before that big trip. Watching your trailer roll away in the rear view mirror is not a good way to begin a vacation.

Drivers pulling trailers need to overshoot their turns to make them wide enough so the trailer's path won't pull them off the road. Think of how you see a semi-truck make a turn.

Allow EXTRA room when changing lanes. Don't forget your vehicle is suddenly longer than it was the day before.

Make sure to test your brakes and get a feel for how they will respond with that extra weight pushing you forward.

We hope these tips help keep you safe this summer and if you happen to be looking to get insurance on that new trailer you just bought or the toys that you may be towing with it, please feel free to contact us at www.marsinsurance.com with any questions.

As always have fun but please stay safe.

The Shocking Truth About Lightning

2010-07-29T12:39:00.000-05:00

As storm season swings into full force we thought it would be a good idea for everyone to take a minute and brush up on their lightning safety.

Lightning is very dangerous and can injure people even when they are not directly struck, such as when it strikes a tree and creates a side flash injuring those who are standing nearby.

According to the National Weather Service, being struck directly or indirectly causes injuries to the nervous system and the brain. These can include memory loss, depression, fatigue, burns, hearing problems, light sensitivity and dizziness.

Take these simple steps to help protect yourself against the dangers of lightning strikes,

Stay out of its path, lightning can strike as far as ten miles away.

When you hear thunder you are within striking distance and should seek safe shelter immediately such as a sturdy building or an enclosed car.

When inside a home or building stay off corded phones, computers and any other equipment that puts you into direct contact with electricity.

stay away from indoor and outdoor pools, tubs, showers, and other plumbing that could conduct electricity.

When you are inside wait at least thirty minutes after the last clap of thunder before going outdoors.

We thank our friends at Standard Mutual for these lightning safety tips and hope you have a fun and safe summer, and as always if you have any questions regarding your insurance needs please contact us at http://marsinsurance.com/

Driving Tips for Teens

2010-07-08T16:09:00.000-05:00

A teen’s first years behind the wheel bring newfound freedom and responsibility, but also potential danger.

Following are a few safety suggestions to share with your teens:

DID YOU KNOW…..using a cell phone while driving is the equivalent of .08 blood alcohol content which is legal intoxication?

COMMIT…to never using a cell phone to talk while driving. Be sure to check your states laws as some states prohibit anyone under the age of 18 from using a cell phone while driving.

DID YOU KNOW….the number one cause of death for teenagers is traffic crashes? For every teen driver killed, there are two other individuals killed.

DECIDE….to drive reasonably. Picture your mom or dad, or even your drivers’ ed teacher, sitting in the seat next to you.

DID YOU KNOW …. 20 percent of teens start drinking and THEN choose a designated driver? 30 percent of teens pick a driver who has been drinking.

AVOID….drinking and driving. If you cause a crash, especially one that involves injury or death, the stakes get high quickly. It’s not a matter of whether or not you’ll go to jail, it’s how long.

DID YOU KNOW….distractions while driving – texting, talking on the phone, multiple passengers, changing the radio or ipod, and driving late at night – increase the odds that you or someone else on the road will be killed or injured?

CHOOSE….to drive responsibly. Make a conscious decision to steer clear of distractions while behind the wheel. Driving in itself is multitasking.

DID YOU KNOW….a lot of accidents happen when turning left?

BE EXTRA CAREFUL….when making left-hand turns and obey the speed limit.

MAKE IT A HABIT… to never leave home without your seatbelt on, even if it’s just through the parking lot or down the street. Most accidents happen within 1 mile from home.

These helpful tips were provided by Standard Mutual Insurance.

Call Mars Insurance for additional tips and options that are available to keep your teens safe.

Beat the Heat!!

2010-06-28T11:58:00.000-05:00

As the hazy, lazy days of summer approach, we all do what we can to stay cool. To help your house conserve energy and stay cooler, consider the following:

Make certain airflow to your outdoor air conditioning unit is not blocked by shrubbery or other obstructions.

Keep draperies, blinds and shades closed during the hottest part of the day.

Keep windows and doors tightly closed when operating air conditioning equipment.

close closet doors in air conditioned rooms.

Close all openings into the attic from Air-conditioned areas.

Turn off unnecessary lights and computers when not in use.

Check your air conditioning or furnace filter regularly and clean or replace it as needed (usually every 2 to 3 months)

Plan cook-free meals of cold cuts, fresh vegetables, fruits and salads. This will keep the use of the oven to a minimum.

Do your cooking, showering, washing, clothes drying and ironing in the morning or evening, when temperatures are cooler.

Information provided by American Electric Power Co.

We hope your enjoy your summer and hope you contact Mars Insurance for your insurance questions.

Attention Automotive Repair Industry........

2010-06-17T09:44:00.000-05:00

The United States Environmental Protection Agency has made a new rule, National Emission Standards for Hazardous Air Pollutants (NESHAP) (Subpart HHHHHH) that mandates by January 10, 2011, those that engage in spray applications to motor vehicles must comply. The primary focus is to limit the amount of heavy metal (chromium, lead, manganese, nickel or cadmium) that is emitted due to spray applications. These standards mandate a spray booth that contains and filters the emissions form spray operations, as well as spray guns that comply and training to the operators of the equipment. The point of this regulation is to protect the environment, but it does mandate the use of an approved spray paint booth. A summary of these regulations my be found on the Internet at http://www.epa.gov/ttn/atw/area/paint_stripb.pdf and http://www.epa.gov/ttn/atw/area/autobodybs.doc.

Insurance companies will also be looking to see that you have complied with the new rules.

Mars Insurance is here to help you plan ahead with your business so that you may comply with regulations.

Reconstruction versus New Construction

2010-06-10T17:36:00.000-05:00

Information provided by Marshall & Swift/Boeckh

With the changes in the insurance regulations and with the rising insurance costs, many individuals are looking for ways to ensure that their homes are protected while also reducing their insurance costs. However, what you don't realize is that some of the ways to reduce your insurance costs is placing you at risk.

Today, many reasons individuals get property valuation is due to re-financing, a new mortgage, home equity line of credit, establishing a selling price and for insurance purposes. However, the way property valuation is calculated can vary depending on its ultimate and methodology.

Whether properties are insured adequately depends on the type of replacement cost estimate they depend on, the coverage they purchased, and that magic ratio. Insurance to Value (ITV). The ITV estimating methodologies are designed to calculate property estimates that represent the fullest exposure and insurance carrier may experience in the event of a loss.

Because Reconstruction Cost is more comprehensive than Replacement Cost New, it is a better representation of what a carrier may expect to pay following a loss, and thus the most reliable method for determining Insurance to Value at the policy inception or renewal.

The distinctions between Replacement Cost New valuations and Reconstruction Cost valuations are important to understand because a carrier's goal is to provide the homeowner with an equitable and fair settlement. Additionally, because policy and settlement terms are frequently subject to negotiation and court interpretation, it is essential that carriers receive premiums based on the fullest exposure on each building - the building's Reconstruction Cost.

Research shows the the actual cost to reconstruct a building after a total loss is on average greater than Replacement Cost New (Appraisal). This is because Replacement Cost New valuations do not include costs arising out of current building codes or from a variety of costs and fees which were presented above and these are commonly present in total losses.

Have questions? Call us! We'll help you understand.

Continuing our Education to better serve YOU

2010-05-28T12:05:00.000-05:00

Mr. James Klocek attended the CIC institute in Burr Ridge Illinois on May 19th, 20th and 21st, 2010. Mr. Klocek, who is the president of Mars Insurance Agency in Crystal Lake Illinois, has successfully completed the annual continuing education requirement of the Society of Certified Insurance Counselors.

To earn this prestigious designation, Mr. Klocek attended five courses covering all phases of the insurance business and passed five comprehensive examinations. Additionally, The National Alliance requires annual attendance in the program to maintain the designation.

Mr. Klocek is a 26 year veteran of the insurance industry and has been a CIC since 1999. Mr. Klocek believes the insurance profession is best served by those who acquire and maintain a high standard of professionalism by meeting the continuing education requirements of the Certified Insurance Counselors Program.

Be Protected from the Flood

2010-05-18T16:37:00.000-05:00

With the spring showers of April & May, sometimes come high waters and the potential for flooding. Here are some suggestions for protecting your home, business and possessions from flooding:

Seal doors and windows; build barriers around window wells; elevate washer, dryer and water heater in basements and relocate items. Much flood damage comes from basement floods.

Know how to shut off electricity, gas and water, and have the tools on hand to do the job.

Assemble a kit including first-aid supplies, required medications, canned food, a can opener, at least three gallons of water per person in your household, protective clothing or rain gear, a battery-operated radio and flashlights.

Store insurance policies, deeds, property records and other important papers in a safe place away from home.

Buy flood insurance! Ask your agent about getting a flood insurance policy. Your home insurance policy does not protect against flooding, which is the most common natural disaster in the U.S.

Ask us about protection against flood.

2010-05-01T11:29:00.000-05:00

Washing Machine Connections

Inspect for tiny leaks in the connections to both the hot and cold water lines. Repair even the most minor leak.

Check both ends of the water lines for possible leaks. Replace the small hose washer in the lines if they haven’t been replaced recently.

Check for discharge hose kinks and cracks. If the hose is brittle or old, replace it.

Money-saving Home Tip: The most destructive water damage losses in homes come from broken or burst washing machine hoses. In fact, the output of water from a broken hose is approximately 650 gallons per hour! It is recommended that you replace you machine’s rubber hot-and-cold hoses with woven steel hoses. For less than $15 you can get six feet of woven steel hose from your local home improvement store. This simple upgrade could save your home from serious water damage problems.

Hard Water Problems

In areas with hard or mineral-laden water, if the washer is slow to fill, there’s a good chance that the in-line filter is clogged. Turn off the water supply and remove the hoses. Remove the small wire filters from the washer inlets, or, if not removable, use an old toothbrush, cotton swab or shop vacuum to clean out the clogged filters.

Is there a steady drip into the washing machine? Grit has probably damaged the shut-off valve. Repair it yourself or call an appliance repair specialist.

Hoses & Filters

Inspect and replace periodically all types of hoses.

When replacing hoses, be sure to also install new hose washers.

Utility Sinks

If the utility sink drains sluggishly, take steps to remove the blockage.

Watch for any signs of dipping faucets, water damage to the flooring, or leaks in the drain pipe. Do not ignore even a small leak.

Dryer Connections

If the dryer vent hose isn’t tightly connected to the outside vent, repair the clamp or re-tape to seal.

If dryer lint is accumulating behind and under the dryer, the vent pipe may be clogged. Check that it is free of debris; both from the inside and outside of the house.

If there are too many twists and turns in the line for the dryer to vent efficiently, make the exhaust more short and straight.

Laundry Room Smart Tips

Give the utility sink periodic drain treatments to prevent clogs and promote free drainage.

If at all possible, connect the dryer hose in a straight line with the outdoor vent.

Metal dryer vent pipes are preferable to the plastic accordion types.

Hose clamps and good metal HVAC tape can help seal up a poorly connected dryer hose and eliminate excessive moisture and dust accumulation.

Make it a habit to vacuum around and behind the washer and dryer routinely.

Keep the laundry area clean. Dust and dirt combined with moisture can promote unwanted growth.

Remember to clean out the dryer lint trap after each load.

*Information brought to you by Kemper

Keep watching for more helpful tips from Mars Insurance Agency

Spring ahead with these home maintenance tips.

2010-03-26T21:11:00.000-05:00

Your home is one of your most important possessions. By keeping it properly maintained, you can reduce the risk of a loss. Please take a moment to review these important safety tips.

Test your smoke detectors monthly, and change the batteries annually or as needed

Replace all high-intensity bulbs with fluorescent bulbs that don’t produce as much heat.

Have your air conditioning system inspected by a professional as recommended by the manufacturer.

Clean the clothes dryer exhaust duct and space under the dryer. Remove all lint, dust, and pieces of material.

Remove all dead trees in your yard, and keep healthy trees and bushes trimmed and away from utility wires.

Repair cracked, broken or uneven driveways and walkways to provide a level walking surface.

These tips provided by Travelers Insurance. For more information contact Mars Insurance.

Help Fight Animal Cruelty

2010-03-20T18:53:00.000-05:00

For over 140 years, the ASPCA has been making a difference in the lives of animals across the country. ASPCA Pet Health Insurance Plans can make a difference in the life of your pet with affordable pet insurance.
Every plan that's purchased benefits the ASPCA, so you'll be helping thousands of animals by protecting your pet with us and make sure you'll always be able to give your pet the best care possible with pet insurance.

Visit the site today and get a quote for your pet and begin helping to fight animal cruelty today.

https://www.petinsurancestore.com/parsers/brokerparser.aspx?agencyid=87

Contact Mars Insurance today... we can help make a difference.

Travelers just announced apps for Smartphones

2010-03-09T10:49:00.000-06:00

Travelers just introduced its first mobile applications for iPhone® and BlackBerry® smartphones. The new mobile tools provide auto accident assistance for iPhone and BlackBerry smartphone users.

Auto Accident Help on iPhone. Designed for both Travelers’ customers and non-customers who have just been in an auto accident, the Auto Accident Help application for iPhone is now available through iTunes.

The accident reporting tool is free to download and easy to use. Accident Help is a guide that walks consumers through the steps to take when they are in an accident, and enables users to create and email an accident report, including guidance on what photos to take and what information to record. Additionally, Travelers' customers have the added advantage of starting an auto claim process directly through this application.

Immediately after an accident, it is natural to feel unsure about what steps to take....Travelers has addressed this in the new mobile application....How is that for staying in contact with consumers' needs?

Ask us to quote your coverage with Travelers.

2010-02-14T20:08:00.000-06:00

Your identity is your most important asset. Identity thieves strike at any time.
Are you protected by your insurance company?
Are you protected by your bank?
Do you know how or if you are protected?
Many insurance companies now have endorsements that can be added to your policy to offer you an additional layer of protection.
Visit our our new virtual office www.marsinsurance.com .

2010-01-25T16:11:00.000-06:00

Effective January 1, 2010, Illinois Vehicle code has been amended to read as follows:

A person may not operate a motor vehicle on a roadway while using an electronic communication devise to compose, send, or read an electronic message.

1) The new laws ban motorists from sending text messages while driving in Illinois.

2) It is illegal to talk on a cell phone while driving through a highway construction zone or school zone.

In addition, it will become illegal to compose, send or read text messages, instant messages and e-mail on a cell phone or surf the internet while driving. The ban also includes personal digital assistants and portable or mobile computers, but does not include global positioning systems (GPS) or navigation systems.

You can read further by visiting the Illinois Secretary of State’s website http://www.cyberdriveillinois.com/ and look for 2009-2010 Law Updates - #625 ILCS 5/12-610.2 new.
You may also visit http://www.dot.state.il.us/ for more updates.

Our goal is to keep you safe and up to date with the latest information. If we can help you with your insurance, please visit our website at http://www.marsinsurance.com/.

Drive Safely!

How much auto coverage do I need?

2010-01-19T16:37:00.001-06:00

Almost every state requires you to buy a minimum amount of auto liability coverage. Chances are that you will need more liability insurance than the state requires because accidents cost more than the minimum limits. If you’re found legally responsible for bills that are more than your insurance covers, you will have to pay the difference out of your own pocket. These costs could wipe you out!

Talk to your agent about purchasing higher liability limits to reflect your personal needs. Buying just on price is never a good idea.

You may also consider purchasing an umbrella or excess liability policy. These policies pay when your underlying coverages are exhausted. Typically, these policies cost between $200 and $300 per year for a million dollars in coverage. If you have your homeowners and auto insurance with the same company, check out the cost of coverage with this company first. If you have coverage with different companies, it may be easier to buy it from your auto insurance company.

In addition to liability coverage for your auto, consider buying collision and comprehensive coverage. You don't decide how much to buy. Your coverage reflects the market value of your car and the cost of repairing it.

Decide on a deductible—the amount of money you pay on a claim before the insurance company reimburses you. Typically, deductibles are $250, $500 or $1,000; the higher your deductible, the lower your premium.

Talk to one of our agents and determine the best course of action for your insurance.

www.marsinsurance.com

Freezing Pipes - Prevention

2010-01-04T14:44:00.001-06:00

If you are located in a region that is prone to freezing temperatures taking steps to prevent frozen pipes can reduce the risk of property damage.

To help protect your pipes from freezing, consider the following:
• Insulate all accessible pipes using pipe insulation (this can be found at your local hardware store).
• Keep all exterior entry, exit and overhead doors to unheated spaces closed as much as possible during the winter months.
• Prior to the winter months, ensure that all cracks, holes, and other openings on the exterior walls are sealed tightly with caulk or insulation to prevent cold air from penetrating the wall cavity.
• If any pipes are located adjacent to exterior walls or within base-cabinets or in closets, leave the cabinet/closet doors open or use a fan to increase warm air circulation around the pipes.
o If you have rest rooms, kitchens, or service rooms with water sources located on exterior walls, it is likely that the plumbing for these systems is located inside the exterior walls. Or, if you have piping coming up through the floor over an unheated room or unheated crawlspace under your building, it is likely there is plumbing exposed to freezing weather.
• When extreme cold weather is predicted, let all faucets drip to prevent freezing of the water inside the pipe and if freezing does occur, to relieve pressure buildup in the pipes between the ice blockage and the faucet. The pressure buildup is the actual cause of bursting pipes.
• Install a water leak detection system, available at your plumbing supply store, which will alert someone to respond in the event water is detected.
• Install a valve that allows you to shut off the water supply during periods when the building may be unoccupied, particularly when colder weather is expected. Be sure to drain your water supply system before leaving the building unoccupied.
• Connect your sprinkler system to a water flow alarm that will alert a responder. In the event of a pipe rupture or a damaged sprinkler head, the responder will shut off the water supply. This will help limit water damage potential.
• If your business is unoccupied for more than 24 hours at a time, you should have a plan in place to inspect the building once a day for freezing pipes during the winter months.
• To check pipes, turn on each water supply faucet individually (both hot and cold) to ensure that there is a steady stream of water present. If the flow of water is slowed, or worse, or there is no flow, then it is likely that your pipe has frozen. Identify the blockage (probably the area of most exposure) and use a blow dryer (do NOT use an open flame torch!) to heat the supply line while leaving the faucet open. Continue heating the pipe until there is a steady flow of water.

Email us at marsinsurance@marsinsurance.com or call us at 815-459-0711.

http://www.marsinsurance.com/

New Illinois Law on Off-road Vehicles, ATV's, Golf Cart's & Snowmobiles

2009-12-10T09:35:00.000-06:00

ATV, Golf Cart, Snowmobile, and off-road vehicle owners often make the mistake of not having Liability coverage. There may be a false sense of security since many times off-road vehicles aren't driven off of private property or on paved roads.

Effective January 1st, 2010, Illinois will require all off-road vehicles that are taken off personal property to have Liability Insurance.

We have companies available to answer the insurance requirements for your specialized toys.

Talk to us about this new insurance requirement and we'll find a policy to fit your needs.

Please understand by endorsing these vehicles onto a homeowners policy may not provide you with the important coverages to protect you and your family.

Call us today....we can help!

815-459-0711

marsinsurance@marsinsurance.com

http://www.marsinsurance.com/

2009-12-03T10:22:00.000-06:00

You winterize your home, but did you know you should winterize your car too?
It is recommended that the following steps are taken to ensure your car is ready for winter weather.
1) Fluids are at the correct levels, including oil, transmission fluid, coolant, windshield wiper fluid (type suitable for low temperatures), and power steering and brake fluids.
2) All safety-related devices are working – battery, tires, brakes, lights, etc.
3) Tires have plenty of tread for adverse road conditions.
4) If you live in an area with heavy snows, snow tires are installed and underneath the car are protected from salt on the road by an oily spray. (Check with your auto dealer for recommendations)
5) Spark plugs checked or replaced.
6) Coolant system is operational – yes cars can overheat in the winter!
7) Windshield wiper blades recently replaced.
8) Fuel system is clean.
9) Gas tank is always at least half full, preventing condensation that leads to frozen gas lines.
10) A can of de-icer is kept in the house in case the car locks freeze.
11) An emergency survival kit is in the car, including flashlight, batteries, first aid supplies, extra clothing, bag of sand, shovel, windshield scraper, booster cables, water container, road maps, tow rope, flares and non-perishable food.
This list is not all-inclusive and particular precautions may not be appropriate in all circumstances. You are encouraged to use good judgment.
You can also contact our office for your AAA Roadside assist membership so that you are covered for those unexpected emergencies. Email us at marsinsurance@marsinsurance.com or call us at 815-459-0711.

Know your Light Bulbs

2009-11-18T10:07:00.000-06:00

Do you know the difference between light bulbs?
With so much focus on "going green", many folks are changing light bulbs.
Resently, in our area, there was a fire as the result of Compact Fluorescent Light bulbs or CFL. The fire was the result of using a CFL bulb on a dimmer switch

Many people don't read the warnings associated with these products as they feel its a light bulb, what kind of warning can there be? You screw it in and blink on the light!

CFL's are fine bulbs, however, you need to read the fine print (not always easy to locate and many times very small and easily overlooked). These bulbs are NOT to be used on dimmer switches. Underwriters Laboratory has tested CFL bulbs. Fires are rare, but the potential still exists if you use the wrong bulb on a dimmer switch.

Bottom line? Before you change a light bulb read the box. One more tip: Look for the "UL" mark. That means the product has been tested for safety.

What does this have to do with insurance you ask?
This is a safety issue to prevent you from losing whats important to you, filing a claim on your insurance and preventing the loss of a loved one.

Mars Insurance Agency is concerned for your safety. Protect all that is important in your life.

Unicare Health Leaving Illinois

2009-11-12T14:43:00.000-06:00

Effective January 1, 2010 Unicare Group and Individual Health insurance has been bought out by Blue Cross and Blue Shield of Illinois.
We can help you!!!
Call us and we can answer all your questions regarding the change and how it will affect you.
Rob Jost is our Life and Health specialist. Call or email him at rjost@marsinsurance.com for assistance with your policy or to secure new coverage

Welcome to Mars Insurance Agency

2009-11-05T14:50:00.000-06:00

We are Mars Insurance Agency and have been in business for over 40 years. We are located in Northern Illinois and service all of Illinois and Wisconsin.

At Mars Insurance Agency we are committed to the relationships we build with our customers and our companies. It is through these relationships that we are able to provide outstanding service and products and assist in identifying the specific insurance requirements allowing our customers peace of mind and security for years to come.