Tis the season for gifts and family celebrations – bonfires and feasts! In between all the festivities, please keep the following in mind:
December
is National Drunk and Drugged Driving Prevention Month (www.samhsa.gov). If you
are impaired while celebrating, don’t get behind the wheel to drive. An automobile crash is costly because you
will have higher insurance cost, you will be inconvenienced while your auto is
being repaired, and even worse, someone could be hurt or killed. Use a Designated Driver or an Uber to get you
safely to your destination.
Prevent
Blindness America has declared December as Safe Toys and Gifts Awareness
Month. Your health insurance may require
that you first pay a deductible for treatment, and you will waste hours of your
precious holiday sitting in an emergency room if a child or family member is
injured by an unsafe toy. Balloons can
choke or suffocate a child so discard any burst balloons right away. Toys with small parts could cause choking for
young children. Be sure to review the
age appropriateness of the gifts. Riding
toys such as bikes and skates can result in falls with concussions, abrasions
and worse. Ensure that proper safety
helmets and other gear is worn.
Discarded wrapping paper, boxes, and plastic should be disposed right
away.
Expensive
gifts may require that you alert your insurance agent so you are properly
covered. Beautiful jewelry or art,
vehicles, ATV’s and more require insurance protection for their value and any
liability exposure. An appraisal or
invoice may be required to add fine art or jewelry to your policy, and stand
alone coverage may also be available.
With
all the great parties and plentiful foods, be certain to keep up your exercise
routine and medications, so you do not have to use your health insurance due to
illness. Large events that you may host
at your home or business with adult beverages served may increase your
liability exposure, so for a large event, you should consider Event Insurance
for your protection.
December
brings colder weather in most areas and also brings dangers to your home and
business with possible burst water pipes and for your auto with freezing ice or
roads. There are more home fires during December, from kitchen fires due to
more cooking, to holiday decorations catching fire, or candle fires, fireplace
issues, or brittle Christmas trees. Take precautions to avoid having to file
insurance claims. Confirm that your
smoke alarms are functioning and that you have your escape plan in place and that
all family members know what to do.
Be
safe and enjoy your holidays! Merry
Christmas!
Angelyn
Treutel Zeringue is President of SouthGroup Insurance Services, a CPA, PWCAM,
CBIA, and a licensed Trusted Choice Insurance Agent. Reach Angelyn at www.southgroupgulfcoast.com,
(228) 385-1177, or azeringue@southgroup.net.
We offer the following Lines of Coverage: Workers Compensation, Auto, Home, Life, Health, Disability, Motorcycle, Boat, Wind, Flood, Commercial Property, General Liability, Directors and Officers Liability, Bonds, Group and Individual Life/Health/Dental/Disability/ Vision/Long Term Care, Business Owners, Builders Risk, Commercial Crime, Errors and Omissions, Dwelling Fire, Commercial Flood, Group Accident, Garage Dealers, Inland Marine, Law Enforcement Liability, Pollution Liability, Professional Liability, Personal Umbrella, Commercial Fire, Commercial Umbrella, Excess Flood, Identity Theft, more…
We serve Mississippi, Louisiana, Alabama, Florida, and many other states. We specialize in coastal exposures.
Insurance is stressful, but we make saving easy. We help you save money on insurance!
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