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“Sharing the Road” During Motorcycle Safety Awareness Month

FOR IMMEDIATE RELEASE: May 4, 2012

CONTACT: Jimmi Lewis – 818.435.8225 –  jlewis@voiinsurance.com

 

 VOI Insurance Solutions Promotes “Sharing the Road” During Motorcycle

Safety Awareness Month

 

 [Calabasas, CA] – Motorcyclist fatalities increased slightly in 2010 to 4,502, accounting for 14 percent of total fatalities for the year. This increase in motorcycle fatalities for the year resumes the unfortunate overall increasing trend over the last 13 years, an upward trend that saw only a single one-year decline in 2009, when 4,462 motorcyclists were killed. However, the greatest decrease in the estimated number of injured people is among motorcyclists, with an 8.9-percent decrease.

 

In response to this increase, VOI Insurance Solutions announced today that it is joining with other federal, state and local highway safety, law enforcement, and motorcycle organizations in proclaiming May as “Motorcycle Safety Awareness Month.” During this time – and during the rest of the year – motorists and other road users are reminded to safely “share the road” with motorcycles, and to be extra alert to help keep motorcyclists safe.  Changing the driving habits of motorists and motorcyclists alike will help decrease the numbers of motorcyclist killed and injured in crashes. Motorcyclists are reminded to make sure that they are visible to motorists, and that they follow the rules of the road.  All road users are reminded to never drive, ride, walk or bicycle while distracted.

 

“As the weather improves, more and more motorcyclists are hitting the roads,” said Jimmi Lewis, Principal of VOI Insurance Solutions. “And with that in mind, pedestrians, bicyclists and drivers of all vehicles, including SUVs, passenger cars and trucks, need to be extra attentive and make sure they ‘share the road.’  A motorcycle is one of the smallest vehicles on our roads, often hidden in a car or truck’s blind spot. Every driver needs to aggressively look for them before changing lanes or merging with traffic.”

 

Motorists and bicyclists should perform visual checks for motorcyclists by checking mirrors and blind spots before they enter or exit a lane of traffic, and at intersections.  Pedestrians should also get into the habit of scanning for motorcyclists who might be hidden by other traffic.

 

Jimmi reminds all road users that, “Motorcyclists have responsibilities, too.” “They should obey traffic rules, be alert to other drivers, never ride while impaired or distracted, and always wear a Department of Transportation-compliant helmet and other protective gear.”

 

Jimmi said that a motorcyclist is much more vulnerable than a passenger vehicle occupant in the event of a crash.  He said that research from DOT’s National Highway Traffic Safety Administration shows that per vehicle mile traveled, motorcyclists are about 39 times more likely than passenger car occupants to die in traffic crashes.

 

Jimmi offered tips for drivers to help keep motorcyclists safe on our roadways. 

 

♦Remember, a motorcycle is a vehicle with all of the rights and privileges of any other motor vehicle.

♦Always allow a motorcyclist the full lane width—never try to share a lane.

♦Perform a visual check for motorcycles by checking mirrors and blind spots before entering or exiting a lane of traffic, and at intersections.

♦Always signal your intentions before changing lanes or merging with traffic.

♦Don’t be fooled by a flashing turn signal on a mo­torcycle – motorcycle signals are often not self-canceling and riders sometimes forget to turn them off. Wait to be sure the motorcycle is going to turn before you proceed.

♦Allow more following distance – three or four sec­onds – when behind a motorcycle so the motorcyclist has enough time to maneuver or stop in an emer­gency.

♦Never tailgate. In dry conditions, motorcycles can stop more quickly than cars.

♦Never drive while distracted. 

 

Jimmi said motorcyclists can increase their safety by:

 

♦ Avoiding riding in poor weather conditions;

♦Wearing brightly colored protective gear and a DOT-compliant helmet;

♦Using turn signals for every turn or lane change, even if the rider thinks no one will see it;

♦Combining hand signals and turn signals to draw more attention to themselves;

♦Using reflective tape and stickers to increase conspicuity;

♦Positioning themselves in the lane where they will be most visible to other drivers; and

♦Never driving while impaired.

 

Our message to all drivers and motorcyclists is: Help to share in the responsibility of keeping all road users safe, and do your part by safely “sharing the road.”

 

Established in 2009, VOI Insurance Solutions, LLC is an independent insurance agency offering a full range of insurance products including Home, Auto, Condo, Renters, Motorcycle, Personal Umbrella, Earthquake, Commercial, Life, Health Insurance and more.

 

For information and quotes for umbrella or any other insurance coverage, please visit VOI Insurance Solutions at www.voiinsurance.com, by email at insurance@voiinsurance.comor by phone at 877.950.3030.

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Will Your Insurance Protect you from a Facebook Lawsuit?

 

Calabasas, CA, October 10th, 2011 –  Mostly everyone knows that the use of social media has grown by leaps and bounds over the past decade.  What many people don’t realize are the unique risks that come along with social networking. Anyone using Facebook, MySpace, LinkedIn, or other social networking sites should exercise extreme caution in what they decide to say on-line.

As an example, in 2009 a teenager in New York sued some of her classmates and their parents, accusing the classmates of bullying and humiliating her in a Facebook Forum.   Whether or not the allegations are true, the teenagers and their parents require legal resources to pay for the possible judgments against them.

Many people believe a standard homeowner’s insurance policy will cover them in such a situation.  In fact, it probably will not provide the necessary coverage.  A standard policy covers bodily injury or property damage done to someone else.  It defines bodily injury as sickness, harm or disease, and it defines property damage as destruction of or injury to physical property.  Neither definition includes publishing or saying something that injures another person’s reputation. Hence, the policy is not likely to cover a Facebook post.  In other words, the policy is unlikely to cover the act of making someone else feel miserable due to social networking.

A good source to consider for additional coverage is a personal umbrella policy.  This kind of policy provides additional insurance in circumstances where a loss has depleted the amounts of liability insurance offered under a homeowner’s policy.  Umbrella policies usually have a deductible of $250 to $500; but have the potential to protect the policyholder from financial devastation.  

As Americans become more exposed to risk through social networking, they should choose their words carefully on any social networking site.  Additionally, they should speak with an insurance professional to see if an umbrella policy is a good match for their insurance needs in an increasingly risky world.

Established in 2009, VOI Insurance Solutions, LLC is an independent insurance agency offering a full range of insurance products including Home, Auto, Condo, Renters, Motorcycle, Personal Umbrella, Earthquake, Commercial, Small Business Insurance and more.

For information and quotes for umbrella or any other insurance coverage, please visit VOI Insurance Solutions at www.voiinsurance.com, by email at insurance@voiinsurance.comor by phone at 877.950.3030.

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Calabasas, CA, May 5th, 2011 – California Insurance Commissioner Dave Jones released a press release to all Californians declaring that May 1st – 7th is wildfire awareness week.  VOI Insurance Solutions specializes in helping to insure those that are located in brush or high fire risk areas, such as our neighbors in Agoura, Westlake, Woodland Hills, West Hills, Oak Park and Malibu.  If you’re not sure if you have the right coverages or are paying the right price call VOI Insurance today.

May 1 – 7 declared wildfire awareness week in California

Insurance Commissioner Dave Jones today reminded all homeowners, especially those who live in wildfire prone areas of the state, to be prepared for the potential threat of a wildfire.

“Even with the recent levels of precipitation California has received, homeowners should still be vigilant in preparing themselves and their property for the potential that a devastating wildfire might strike,” said Commissioner Jones. “Simple steps such as creating defensible space around your property and being prepared can save your home or reduce the impact of a wildfire on your home should one strike.”

Commissioner Jones reminds all homeowners to be prepared in the event of a wildfire by conducting a home inventory and offers the following tips:

  • Using a household digital camera and a Home Inventory Guide from the California Department of Insurance, catalogue your possessions and document their values. Photographs of household goods are especially helpful when an item is difficult to describe on paper, or if a purchase receipt cannot be obtained.
  • Label photographs with information about each item.
  • If a video recorder is used, commentary about each item should be included.
  • A copy of the inventory and supporting documentation, such as receipts and model numbers, should be stored in a safe place, such as a safe-deposit box, work office, or a relative’s house.
  • These records should also include financial documents such as insurance policies and mortgage information.
  • A free Home Inventory Guide is available from the Department’s website.
  • Homeowners are encouraged to review their homeowners’ insurance policy with their agent to determine if they have sufficient coverage limits for the dwelling, personal property, and any special characteristics, such as antiques, expensive jewelry, and other valuable collections.
  • Contact CDI at 800-927-HELP to obtain consumer information guides about additional insurance products, or for any insurance-related questions.

Governor Brown has declared May 1-7 as wildfire awareness week. Read the Governor’s proclamation.

Established in 2009, VOI Insurance Solutions, LLC is an independent insurance agency offering a full range of insurance products including Home, Auto, Condo, Renters, Motorcycle, Personal Umbrella, Earthquake, Commercial, Small Business Insurance and more.

For information and quotes on fire or any other insurance coverage, please visit VOI Insurance Solutions at www.voiinsurance.com, by email at insurance@voiinsurance.comor by phone at 877.950.3030.

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INSURANCE COMMISSIONER JONES OFFERS INSURANCE TIPS FOR CONSUMERS

Calabasas, CA, January 20, 2011 – California Insurance Commissioner Dave Jones released a press release to all Californians advising of tips to consider when evaluating their insurance needs.  VOI Insurance Solutions is here to help you with your insurance needs.  If you’re not sure if you have the right coverages or are paying the right price call VOI Insurance today.

“I believe it is extremely important for consumers to evaluate their individual needs for insurance and to make sure that they are covered in the event of an emergency or disaster,” Commissioner Jones said. “It is absolutely imperative that consumers take these kinds of precautions before disaster strikes, otherwise it may be too late.”

Five Questions to Ask Your Agent about the Insurance on Your Home

Without looking, what is the value of the contents of your home covered by insurance? Is a flood covered? If someone is hurt while visiting, will insurance pay medical expenses? Whether a renter or an owner, the California Department of Insurance (CDI) suggests a review of all insurance policies annually. It is a chance to brush up on what is covered, and to evaluate whether the coverage is still adequate (or too much) for your current situation.

Commissioner Jones offers the following tips for Consumers:

1. What type of coverage do I have?

Homeowners or Renter’s. A homeowner’s insurance policy covers the structure, belongings and legal obligations if someone is injured at your home. A renter’s policy does not insure the structure, but otherwise provides similar coverage. To review a list of coverage’s that are in a typical homeowners or renter’s policy, go to www.InsureUonline.org, select the appropriate life situation on the right, and then click on the “Home” tab.

Replacement Values. Check the type of replacement value provided in the policy. Actual cash value (ACV) is the amount it would take to repair damage to a home or to replace its contents after allowing for depreciation. Replacement cost is the amount it would take to rebuild or replace a home and its contents with similar quality materials or goods, without deducting for depreciation.

Liability Limits. Liability insurance protects you from legal obligations arising from accidents involving visiting non-residents. An umbrella policy can increase the liability limits of a homeowners or renter’s policy if the policy limit is insufficient.

Medical payments. Homeowners and renter’s polices typically include limited medical expense payments for injuries occurring on your premises to visiting non-residents.

2.      How much coverage do I need?

Make a home inventory. A home inventory is the best way to determine the appropriate level of coverage needed for contents. It is also a useful tool to have in case of a loss. When doing the home inventory, make sure to include as much detail as possible about the items. Click here for a home inventory worksheet and tips to get started.

Do not over insure. Homeowners do not need to insure the value of the land a home sits on, but coverage should include any outdoor structures on the property. For both homeowners and renters, concentrate on an accurate list of belongings and be sure liability limits are at a proper level.

3.      What are my deductibles and discounts?

Save money on homeowners or renter’s insurance. Deductibles and discounts are generally the easiest places to save money on this type of policy. Most companies offer discounts for people who have more than one type of insurance policy with them, and for people who have had few claims or are long-term customers. When it comes to the deductible – which is the amount you have to pay if there is a loss – usually the higher it is, the lower the premium. It’s normal to consider raising a deductible to save on premium, but remember, the bill will be that much more following a claim.

Insurers may change policy terms at renewal, but they must notify you first. Read all notices and information sent from the insurance company. When talking with the agent, ask if there are any anticipated changes when the policy renews.

4.      What additional coverage may be needed?

Neither flood nor earthquakes are covered by a standard homeowners or renter’s policy. There are optional insurance policies for both disasters. Ask about available options or visit www.Floodsmart.gov for details on flood insurance.

Additionally, wildfires are a very real threat in California. Here are some tips regarding wildfire preparedness and coverage:

Create and maintain clearance around your home. Proper clearance to 100 feet dramatically increases the chance of your house surviving a wildfire. This 100 foot defensible space also provides for firefighter safety when protecting homes during a wildland fire.

Burn debris only on permissive burn days.

Cut weeds and dry grass before 10 a.m. when the humidity is higher and temperatures are cooler to reduce the chance of igniting a fire.

Follow proper guidelines for burning debris on your property.

For more information click here for the Ready, set go program from CAL FIRE.

Established in 2009, VOI Insurance Solutions, LLC is an independent insurance agency offering a full range of insurance products including Home, Auto, Condo, Renters, Motorcycle, Personal Umbrella, Earthquake, Commercial, Small Business Insurance and more.

For information and quotes on renters or any other insurance coverage, please visit VOI Insurance Solutions at www.voiinsurance.com, by email at insurance@voiinsurance.comor by phone at 877.950.3030.

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Renters Insurance, The Most Important Coverage You Don’t Have

Calabasas, CA, October 9, 2010 – Do you rent your home, apartment, or condo?  If yes, do you have renters insurance?  The answer is probably not, which means you’re leaving yourself at risk for potential disaster.

Disaster can strike anywhere and anytime, no matter if you rent your home or own your home.  Your landlord or apartment building may have insurance coverage, but that usually only protects the building structures, leaving you and your belongings unprotected.  Common losses that could occur include:

  • A fire burns your building down, or smoke from a nearby fire damages your personal belongings and leaves you without a place to live.
  • Theft.  A burglar breaks into your home and steals your valuable items.
  • Water leakage.  Your upstairs neighbor leaves their water running by accident causing a leak through your ceiling into your closet, or onto your entertainment center.
  • A visiting friend slips and falls, and decides to sue you for negligence.

Renters Insurance provides valuable coverage at a very affordable price.  The essentials of a quality Renters Insurance Policy provides coverage for:

  • Furniture
  • Clothing
  • Appliances
  • Many other personal belongings
  • Some of the improvements you’ve made to the rental unit
  • Items you take while traveling that are covered
  • Additional living expenses if you have to move out during repairs

In addition, Personal Liability Coverage provides protection if someone is accidentally injured while in your home, or their property is damaged and the damage is caused by:

  • You, your children, or your pets
  • Your personal activities, including most sports

Your policy can also cover you:

  • For costs associated with defending you in a lawsuit related to an injury or property damage
  • If you’re held legally responsible for fire damage to your apartment, to the building where you live, or vacation property you rent
  • If your credit cards, ATM cards, or checks are stolen or used without your permission

It is important to know that earthquake and flood coverage are not included in a basic renters policy but can usually be added on or purchased separately.  Also, if you have valuable items such as jewelry, furs, fine silverware, art, musical equipment, electronics, etc. you should talk to your agent as these items may require additional coverage included in a valuable items floater.

There are also many discounts that you can take advantage of when purchasing a renters policy.  You can save money if you have anti-theft devices, smoke alarms, fire extinguishers, deadbolt locks, sprinkler systems and more.  One of the best ways to save is by purchasing a renters and auto policy together, in which you may be able to receive a multi-policy discount applied to both policies.

Established in 2009, VOI Insurance Solutions, LLC is an independent insurance agency offering a full range of insurance products including Home, Auto, Condo, Renters, Motorcycle, Personal Umbrella, Earthquake, Commercial, Small Business Insurance and more.

For information and quotes on renters or any other insurance coverage, please visit VOI Insurance Solutions at www.voiinsurance.com, by email at insurance@voiinsurance.com or by phone at 877.950.3030.

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Tips to Help You Save on Auto Insurance

Contact: [Jimmi Lewis, 877.950.3030]

VOI Insurance Solutions Offers Tips to Help You Save on Auto Insurance

 

Calabasas, CA, August 30, 2010 – Purchasing the auto insurance that is right for you can be confusing, especially for first-time buyers. By learning the basics on how to get the most for your money, you can save on your auto insurance and feel confident you have adequate coverage. VOI Insurance Solutions offers these tips to lead you in the right direction when you purchase your car insurance.

  • Be a safe driver. Drivers with good driving records can save as much as 60 percent over drivers who cause accidents.
  • Enroll in a driving class. Drivers who complete a state-approved defensive driving course, or drivers under the age of 21 who take a driver training course, could qualify for savings.
  • Buy a car that includes safety features such as anti-lock brakes, alarms or other security features, airbags, and automatic seat belts.
  • Choose a higher deductible (what you pay before your insurance policy kicks in), which can mean paying less for your policy.
  • Eliminate unnecessary coverages.  If you drive an older car with little cash value, consider eliminating “collision” or “comprehensive” coverage, which pays for damage to or theft of your car.
  • Insure more than one car with the same company, and you may be eligible for savings. 
  • Insure your car and home with the same company. You could save money if you have more than one type of policy with the same insurance company (for example, an auto policy and a homeowners policy). The more good business you give the company, the more valuable you are as a customer.
  • Look for low-mileage discounts if you car pool or do not put a lot of miles on your car annually.
  • Check for student discounts such as a good student credit for maintaining a B average, or if a driver in your household is living away at school and not driving as much.
  • Buy a safer car that will cost less to repair and less to insure.  Check crash-test reports, repair records and manufacturer recalls of any car you are considering.  A consumer protection magazine can be very useful or check car sites on the Internet. 

Established in 2009, VOI Insurance Solutions, LLC is an independent insurance agency offering a full range of insurance products including Home, Auto, Condo, Renters, Motorcycle, Personal Umbrella, Earthquake, Commercial, Small Business Insurance and more.

For information and quotes on insurance coverage, please visit VOI Insurance Solutions at www.voiinsurance.com, by email at insurance@voiinsurance.com or by phone at 877.950.3030.

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Tips To Help You Save On Homeowners Insurance

Contact: [Jimmi Lewis, 877.950.3030]

VOI Insurance Solutions Offers Tips to Help You Save on Homeowners Insurance

Calabasas, CA August 23, 2010 – Purchasing the homeowners insurance that is right for you and your home can be confusing, especially for first-time buyers. By learning the basics on how to get the most for your money, you can save on your homeowners insurance and feel confident you have adequate coverage. VOI Insurance Solutions offer these tips to lead you in the right direction when you purchase your homeowners insurance.

  • Shop around. In addition to considering friends, family, the phone book or the Internet as possible sources to find homeowners insurance, consult with an independent insurance agent. Look for a wide range of prices from several companies. Remember, you get what you pay for, so look for not only a fair price but excellent service as well. Check a company’s financial rating with A.M. Best or Standard & Poor’s.
  • Raise your deductible. Companies generally have deductibles (what you pay before your insurance policy kicks in) starting at $250.  By choosing a higher deductible ($500, $1,000, $2,500 or higher), you’ll have lower annual premium payments.
  • Consider how much insuring a new home will be. The age of your home may qualify you for savings because plumbing, heating and electrical systems of newer homes have lower risks than outdated systems.  Construction of the home (brick versus wooden frame) can affect your cost as well, depending on your home’s location.  Also, if you live near your local fire department, your homeowners rates might be lower than if you are many miles away.
  • Insure your home, not your land. Since homeowners policies don’t provide protection for your land, it would be a waste of money to include its value as part of your dwelling coverage, which should only reflect the price it would cost to repair or replace your home’s structure.
  • Insure your car and home with the same company. You can save money if you have more than one type of policy with the same insurance company. The more good business you give the company, the more valuable you are as a customer.
  • Improve home security and safety. If your home has certain types of fire alarms, burglar alarms, locks, or smoke detectors, you’ve reduced your risk and may qualify for a credit.
  • Look for senior discounts. If you are at least 55 years old and retired, your insurance company may offer you a discount. Retirees often spend more time at home and are more likely to spot trouble and prevent a loss.
  • Look for group coverage. Many insurance companies offer discounts to groups such as alumni or business associations. Check with your association director or employer to see if they offer a plan.
  • Stay with one insurer. If you keep your coverage under one insurer for several years, you may be offered a discount from the company.  The longer you are a customer, the more money you will likely end up saving.
  • Compare the limits in your policy to the value of your possessions at least once a year.  If you make any major purchases or additions, you want to ensure they will be covered, but you do not want to spend more than is necessary.

Established in 2009, VOI Insurance Solutions, LLC is an independent insurance agency offering a full range of insurance products including Home, Auto, Condo, Renters, Motorcycle, Personal Umbrella, Earthquake, Commercial, Small Business Insurance and more.

For information and quotes on insurance coverage, please visit VOI Insurance Solutions at www.voiinsurance.com, by email at insurance@voiinsurance.com or by phone at 877.950.3030.

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VOI Insurance Solutions Launches Website

VOI Insurance Solutions Launches Website
Site discusses personal insurance services and products for California residents, provides online request for multiple quotes

CALABASAS, Calif.—VOI Insurance Solutions, LLC (www.VOIinsurance.com), an independent insurance brokerage firm specializing in property and casualty insurance services for the California market, today announced its official launch of its Web site. VOIinsurance.com provides information to help consumers find the “Right Price, Right Coverage, Right Now.”

Jimmi Lewis, Partner and Executive Vice President of VOI Insurance Solutions said, “VOI Insurance Solutions believes in taking a relationship-based approach with our clients so that we can best meet their needs. We believe that by offering our clients the Right Price, the Right Coverage, Right Now, we’ll be able to exceed our client’s expectations. Our goal is to have very satisfied clients for life.”

At VOIinsurance.com, clients and potential clients can receive information about the company, contact insurance professionals, and obtain quotations for insurance products.

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About VOI Insurance Solutions, LLC:

VOI Insurance Solutions, LLC, is an independent insurance agency that provides insurance services and products within California.  Founded in 2009, VOI Insurance Solutions is located in Calabasas, CA.

VOIINSURANCE.com
Jimmi Lewis
818-435-8225, office
jlewis@voiinsurance.com

Copyright 2010

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