Community Insurance Group
Content
Chronicle
Community insuranCe Group announCes two new additions
Community Insurance Group is proud to announce the addition of Jamie Mescher to their operation. Mescher has over 14 years experience in Commercial Operations and specializes in risk management for trucking, contracting, manufacturing, and energy dealers. Jeff Sargeant, President of Community Insurance Group commented: “Jamie has been working in Ohio and neighboring states in these markets with much success, helping customers understand risk mitigation, and coverage options that pertain to their exact industries. We are excited about the expertise Jamie brings our agency force!” Along with the addition of Mescher, Community Insurance Group has added new carriers that specialize in these types of industries, allowing a broader array of options for customers. Mescher lives in Minster with his wife Beth and their four children – Evan, Ella, Lydia and Landon. Earlier this year, Community Insurance Group added Doris Ward, a licensed property and casualty insurance agent in Sidney since 1995. Doris joins Community Insurance Group from many years in working with the local offices of Nationwide Insurance and American Family Insurance. Sargeant states “Doris is a welcome addition to our growing family. Her expertise in personal home and auto is very helpful to our existing clientele as well as our growing list of new clients.” Ward will be working in PG2 the Personal Lines division of Community Insurance Group handling auto, home, PG3 umbrella, recreational vehicles, and flood policies through many insurance carriers. PG4 Doris and her husband Terry live in Sidney; they have two children Amber and Jeff. Community Insurance Group is an independently operated insurance agency based out of Sidney, Ohio since 1995 specializing in Auto, Home, Farm, and all Commercial operations. Other office locations include Minster, Botkins, and Fort Loramie.
- Jamie Mescher
COMMUNITY INSURANCE GROUP
Fall/Winter Edition 2012
TAKE A LOOK
INSIDE
PREPARING FOR WINTER COMMERCIAL CORNER ACCOUNT REVIEW FORM
2621 West Michigan St. Sidney, OH 45365
SIDNEY OFFICE
(937) 492-0823
68 West Fourth St., P.O. Box 111, Minster, OH 45865
- Doris Ward
MINSTER OFFICE
Why ARE My hOMEOWNERs INsURANCE PREMIUMs INCREAsING?
The short answer: weather and shared risk.
When a wave of major storms strikes Ohio, or anywhere in the United States for that matter, your carrier uses insurance premiums to pay claims to help customers, like you recover. If they expect more storms, your rates increase. Ohio has been rocked with several devastating storms this past year, from hail storms to tornadoes. Simply stated, a greater frequency and severity of storms create higher premiums, regardless of whether or not you have had a claim.
(419) 628-2114
105 Roth St., P.O. Box 240, Botkins, OH 45306
BOTKINS OFFICE
(937) 693-2911
FT. LORAMIE OFFICE
408 South Main St. Ft. Loramie, OH 45845
(937) 295-2422
Experts identified causes for the increase, but the two major reasons are:
• An increase in severe weather events: The effects of La Niña, which causes a collision of cooler and warmer air over the United States, has agitated rougher weather this year. • The growing population: More people means more buildings and structures lying in potential paths of destruction.
www.communityinsurancegroup.com
DRIVING
In this release we are proud to introduce our two new associates, Jamie and Doris, on the front cover. To be able to expand upon our personnel and expertise during these IN YOUR CAR. It is not enough to throw a safety kit, difficult economic times is a testament to our hard working including emergency equipment such as blankets, team of insurance professionals as well as our ever growing nter is a difficult time for every motorist, and it’s become a better especially candles, a shovel and traction aid into the trunk of loyal customer base. Our challenge is to gh for truck driver. But there’s much you this in mind we are adding your car and think that you are ready for operating service organization, and with can do to survive the son without serious grief. insurance carriers such as Acuity, EMC, your vehicle in inclement weather. The single most on additional important thing we can do while driving in severe and Utica that enhance our commercial lines offerings nterize Your Rig contracting, manufacturing, and retail. Our in trucking, winter conditions is to slow down. A safe speed for If you do get snowed in at home and the situation isn’t thinking about winter long before the first to handle many different agribusiness expertise allows us snow hits. Be sure conditions might be well under the posted speed limit. dire, just relax and preserve heat by hanging blankets ur truck is winterized, and sooperations and help manage the diversity types of farming are you, by the time you make your Triple the normal driving distance between you and over windows and doors. If you use a supplemental t cold weather run. of risks involved – by far our largest growing new customer the car in front of you. If your vehicle begins to slip, heating device, make sure it is UL approved, in good on new segment. Andaren’t personal auto to give you customers tires if treads our deep enough and home the immediately take your foot off the accelerator and steer operating condition and maintaining safe distance ction you continue snow and ice. Start carrying tire chains. need on to benefit from our large array of insurance glow gentlyor the direction you want the car to go. If your car Yourself in manifold heater going. The plug Winterize from flammable items. ange yourproviders with options not seen in it all year round. as ether gets stuck, clearor explode. in front of and behind your supplies in case you’re stranded oil to 15W-40, if you’re not using captive offices such could catch fire the snow Carry survival OUTSIDE. Nationwide, State Farm, AllState, and Only Independent place wiper blades and be sure your cab heateretc. defroster are tires and spread sand, kitty litter or tractioninmats in Carry a set of Make sure to remove garden hoses from a blizzard. heavy protective Agencies like us can provide you, the consumer choices. It is safer to install an automatic starting fluid good working order. the front and back of your tires. Gently accelerate untilas well outside faucets. Hopefully, you remembered to clothing as a your an extra leaves, assembly. This is a small device which injects cleanshovel,gutters ofblanket, and debris. Better yet, you feel the tires begin an batteryWe are also reworking our website to enhance our customer’s a measured dose of ether eachto spin. Put the car in supply of water, some emergency rations, connections and starter cables. Install heating devices a reverse time you start install experience with our 24/7 access to Chance options, and back up slowly until stopped by the snow. a first-aid kit. gutter guards. These can help keep snow and the batteries, fuel tanks, cooling systems, and oil. paymentare and Rock the engine. ice from building up, which can form ice damns and vehicle ID cards, claims reporting, and other customer forward again using a low, steady speed. same heater will do double duty for oil and coolant. service enhancements. Please check us out over the next damage your house. Outside If you’re properly equipped, you may be able heating appliances like Easy AT HOME. Have your heating system inspected to make Does It several weeks at www.communityinsurancegroup.com heat truck must be clear of ld Starting to leave a stranded pumpsand go for help. snow and debris to work to monitor start progress.your truck on the southfeel free to Go easy onitsnow and ice. Too much power to an alternative have no clear idea of where you’re our parking As always, please side sure is working properly. If you have But if you efficiently . hen cold nights come, contact me directly with any service suggestions – we want the drive wheels can cause you beloseapproved and inspected heating source, it should to UL traction buildings, to block the north wind. Zip up the winterfront to going, you’re better off have to put. outside, wear tight and layered If you staying go Remain to make your experience with Community Insurance Group and go into ausing. On glare ice, it doesn’t before side skid. ep the heat inside. Check your engine heater the first time you calm, stay dry, clothing and sturdyConserve shoes. Make sure to and keep warm. watertight the best it can be. (jeff@communityinsurancegroup. take much to spin your wheels. Test carefully e it to make sureor 937-492-0823). it’s working. fuelCheckrunning the exposed parts of the body by wearing hats, gloves by to seeGood much throttle will gain you power is lost. how insulation will also help if some com, cover engine intermittently. Use you CB radio toscarves. touch with protect skin and prolonged traction without spinning your wheel. and windows. Seal ave the glow plug on longer as the temperature drops. You only for possible air leaks around doors and stay in Failure to the To all of our insurance customers, we thank you for allowing us outside world. exposure to the cold can result in frostbite. The nose, ed to operate it for a minute at 40 degrees Fahrenheit (4 degrees electrical outlets ans switches on outside walls. Stock to earn your business – we truly appreciate the opportunity! Separate your tractor and trailer often in sius), but it needs to be on for means to be Community! up on apply prepare food, first aid supplies, batteries, cheeks, ears, fingers and toes (your extremities) are winter and easy tolight-weight chassis lube Embracing what it three minutes at 10 below. flashlights and If battery-operated radio. Make Sure You Survive affected. a it gets stiff, turning is most commonly to the fifth wheel. u may want to carry a spray can of ether to assist in starting. Prepare yourself for winter when it’s still Sincerely, engine and have difficult and you’re likely to lose control. t go easy. Too much ether and you’ll race the warm. Master the techniques of proper mes shooting out your stacks. Don’t use it all if you have the winter driving and you’ll snowpLow, Custom paint JoB: make it through the harshest weather with your safety record still Jeff Sargeant, President, intact. Community Insurance Group Have you recently added any permanently attached equipment taking photos and saving your receipts. to your In considerationsnowplow, ladder rack, or holiday, vehicle like a of the upcoming Christmas cleaning In the event of a loss, these may help to equipment? Or did you recently getwould like paint jobyou for yourassist settling a claim. Community Insurance Group a custom to thank vehicle loyal patronage and thebusiness? have placed in us to help protect your most trust you wrap to advertise your valued assets. The word “Community” means more to us thanKeep a in mind that unless we have just business answered “yes” caring foranythose in permanently name, it means or have all other need. www.communityinsurancegroup.com If you have adjusted the value of your vehicle for To recognize you, our loyal customer this Christmas season, we are attached equipment or to several nonprofit organizations in lieu of sendingenhancements, they will not be vehicle enhancements, other than those these making donations customer appreciation gifts. Our charitable list this contact originally installed by manufacturer, it is important to year includes: covered in the event of a loss. 24/7 ACCEss TO MAKE ON-LINE us. We Local Hospice Care, Foodneeds and assureWomen Crisis Centers will evaluate your insurance Pantries, and that your PAYMENTS, CREDIT CARD PAYMENTS, We know that these enhancements can found in the vehicle is insured adequately. communities in which we operate. ChANGE yOUR BILLING PLAN be costly, so before it is too late be sure to What better way to support our own Community, than to connect our In addition, we recommend and those charities in need, during this time our office. We are always happy to you maintain a record of the contact associates, our customers, of celebration! Best wishes to or and have a great holiday permanently attached equipment all,vehicle enhancements byseason! your individual insurance needs. discuss 24/7 ACCEss TO REPORT
Welcome to our semi –annual Newsletter the Chronicle!
PREPARING FOR WINTER
Winter time and winter weather can be tremendous fun, but cold and snow can also pose danger. Slippery roads, downed power lines and limbs, and freezing cold temperatures all bring an added measure of suspense to our daily activities. There are simple steps you can take that will take the chill off your wintertime experience.
WINTER
CommerCiaL Corner
WEBSITE
✓ ✓
2
AND TRACK yOUR CLAIM
FALL/ WINTER CHRONICLES
VISIT OUR
are tHey CoVered?
“Embracing what it means to be Community”
WINTER DRIVING
Winter is a difficult time for every motorist, and it’s especially tough for truck driver. But there’s much you can do to survive the season without serious grief.
CommerCiaL Corner
Winterize Your Rig
Be thinking about winter long before the first snow hits. Be sure your truck is winterized, and so are you, by the time you make your first cold weather run. Put on new tires if treads aren’t deep enough to give you the traction you need on snow and ice. Start carrying tire chains. Change your oil to 15W-40, if you’re not using it all year round. Replace wiper blades and be sure your cab heater and defroster are in good working order. Clean battery connections and starter cables. Install heating devices for the batteries, fuel tanks, cooling systems, and oil. Chance are the same heater will do double duty for oil and coolant.
Cold Starting
When cold nights come, start parking your truck on the south side of buildings, to block the north wind. Zip up the winterfront to keep the heat inside. Check your engine heater the first time you use it to make sure it’s working. Leave the glow plug on longer as the temperature drops. You only need to operate it for a minute at 40 degrees Fahrenheit (4 degrees Celsius), but it needs to be on for three minutes at 10 below. You may want to carry a spray can of ether to assist in starting. But go easy. Too much ether and you’ll race the engine and have flames shooting out your stacks. Don’t use it all if you have the glow plug or manifold heater going. The ether could catch fire or explode. It is safer to install an automatic starting fluid assembly. This is a small device which injects a measured dose of ether each time you start the engine.
Easy Does It
Go easy on snow and ice. Too much power to the drive wheels can cause you to lose traction and go into a side skid. On glare ice, it doesn’t take much to spin your wheels. Test carefully to see how much throttle will gain you some traction without spinning your wheel. Separate your tractor and trailer often in winter and apply light-weight chassis lube to the fifth wheel. If it gets stiff, turning is difficult and you’re likely to lose control.
If you’re properly equipped, you may be able to leave a stranded truck and go for help. But if you have no clear idea of where you’re going, you’re better off staying put. Remain calm, stay dry, and keep warm. Conserve fuel by running the engine intermittently. Use you CB radio to stay in touch with the outside world.
Make Sure You Survive
Prepare yourself for winter when it’s still warm. Master the techniques of proper winter driving and you’ll make it through the harshest weather with your safety record still intact.
Winterize Yourself
Carry survival supplies in case you’re stranded in a blizzard. Carry a set of heavy protective clothing as well as a shovel, an extra blanket, a supply of water, some emergency rations, and a first-aid kit.
www.communityinsurancegroup.com
WEBSITE
✓ 24/7 ACCEss TO MAKE ON-LINE ✓ 24/7 ACCEss TO REPORT
AND TRACK yOUR CLAIM
VISIT OUR
In consideration of the upcoming Christmas holiday, Community Insurance Group would like to thank you for your loyal patronage and the trust you have placed in us to help protect your most valued assets. The word “Community” means more to us than just a business name, it means caring for all those in need. To recognize you, our loyal customer this Christmas season, we are making donations to several nonprofit organizations in lieu of sending customer appreciation gifts. Our charitable list this year includes:
PAYMENTS, CREDIT CARD PAYMENTS, ChANGE yOUR BILLING PLAN
Local Hospice Care, Food Pantries, and Women Crisis Centers found in the communities in which we operate.
What better way to support our own Community, than to connect our associates, our customers, and those charities in need, during this time of celebration! Best wishes to all, and have a great holiday season!
“Embracing what it means to be Community”
✓ PRINT VEhICLE ID CARDs
FALL/WINTER CHRONICLES
3
PRSRT STD U.S. POSTAGE PAID SIDNEY, OH PERMIT NO.48
2621 West Michigan St. Sidney, OH 45365
“Embracing what it means to be Community”
------------------------------------------------------------------------------------------------------------
2012 PERSONAL HOME & AUTO ACCOUNT REVIEW
PLEASE COMPLETE THE FORM PROVIDED, DETACH AND MAIL TO YOUR COMMUNITY INSURANCE GROUP AGENT.
Would you like to schedule an appointment to review your policy(s) and recommendations we may have for you? yEs NO
Please update your address and telephone information if necessary: Name:______________________________________ Address:________________________________________________ Phone:_____________________ Alternate #:_____________________ E-mail:____________________________________ Coverage for the following items may not extend from your home or auto policy if it is not endorsed.
Please check which items you may be concerned about, and we will contact you.
Towing, rental car, uninsured motorists coverage Any additional drivers Water backup of sewers/drains Flood insurance Earthquake Personal Umbrella policy and/or increasing liability limits for auto and home Identity Theft Rental dwellings/Secondary homes Vacant home Life Insurance, IRA’s, Annuities, Health or Disability Increasing your deductibles for possible savings Scheduling items (jewelry, fine arts, guns, collectibles, computers) Recreational Vehicles (mopeds, ATV’s, golf carts) Room addition/remodel Home based business (child care, Mary Kay, Avon, etc.) Other concerns:__________________________________ ____________________________________________ Please check if no changes
Once again, please let us know by indicating above if you would like an appointment to review your account. Keep in mind, no coverage is bound until speaking with an agent directly. Thank you for taking the time to complete your annual review. As always, we appreciate your continued business. If no changes are needed, simply sign this form and return to our office at your convenience. PLEASE SIGN_______________________________________________________DATE___________
(Signature )
Community insuranCe Group announCes two new additions
Community Insurance Group is proud to announce the addition of Jamie Mescher to their operation. Mescher has over 14 years experience in Commercial Operations and specializes in risk management for trucking, contracting, manufacturing, and energy dealers. Jeff Sargeant, President of Community Insurance Group commented: “Jamie has been working in Ohio and neighboring states in these markets with much success, helping customers understand risk mitigation, and coverage options that pertain to their exact industries. We are excited about the expertise Jamie brings our agency force!” Along with the addition of Mescher, Community Insurance Group has added new carriers that specialize in these types of industries, allowing a broader array of options for customers. Mescher lives in Minster with his wife Beth and their four children – Evan, Ella, Lydia and Landon. Earlier this year, Community Insurance Group added Doris Ward, a licensed property and casualty insurance agent in Sidney since 1995. Doris joins Community Insurance Group from many years in working with the local offices of Nationwide Insurance and American Family Insurance. Sargeant states “Doris is a welcome addition to our growing family. Her expertise in personal home and auto is very helpful to our existing clientele as well as our growing list of new clients.” Ward will be working in PG2 the Personal Lines division of Community Insurance Group handling auto, home, PG3 umbrella, recreational vehicles, and flood policies through many insurance carriers. PG4 Doris and her husband Terry live in Sidney; they have two children Amber and Jeff. Community Insurance Group is an independently operated insurance agency based out of Sidney, Ohio since 1995 specializing in Auto, Home, Farm, and all Commercial operations. Other office locations include Minster, Botkins, and Fort Loramie.
- Jamie Mescher
COMMUNITY INSURANCE GROUP
Fall/Winter Edition 2012
TAKE A LOOK
INSIDE
PREPARING FOR WINTER COMMERCIAL CORNER ACCOUNT REVIEW FORM
2621 West Michigan St. Sidney, OH 45365
SIDNEY OFFICE
(937) 492-0823
68 West Fourth St., P.O. Box 111, Minster, OH 45865
- Doris Ward
MINSTER OFFICE
Why ARE My hOMEOWNERs INsURANCE PREMIUMs INCREAsING?
The short answer: weather and shared risk.
When a wave of major storms strikes Ohio, or anywhere in the United States for that matter, your carrier uses insurance premiums to pay claims to help customers, like you recover. If they expect more storms, your rates increase. Ohio has been rocked with several devastating storms this past year, from hail storms to tornadoes. Simply stated, a greater frequency and severity of storms create higher premiums, regardless of whether or not you have had a claim.
(419) 628-2114
105 Roth St., P.O. Box 240, Botkins, OH 45306
BOTKINS OFFICE
(937) 693-2911
FT. LORAMIE OFFICE
408 South Main St. Ft. Loramie, OH 45845
(937) 295-2422
Experts identified causes for the increase, but the two major reasons are:
• An increase in severe weather events: The effects of La Niña, which causes a collision of cooler and warmer air over the United States, has agitated rougher weather this year. • The growing population: More people means more buildings and structures lying in potential paths of destruction.
www.communityinsurancegroup.com
DRIVING
In this release we are proud to introduce our two new associates, Jamie and Doris, on the front cover. To be able to expand upon our personnel and expertise during these IN YOUR CAR. It is not enough to throw a safety kit, difficult economic times is a testament to our hard working including emergency equipment such as blankets, team of insurance professionals as well as our ever growing nter is a difficult time for every motorist, and it’s become a better especially candles, a shovel and traction aid into the trunk of loyal customer base. Our challenge is to gh for truck driver. But there’s much you this in mind we are adding your car and think that you are ready for operating service organization, and with can do to survive the son without serious grief. insurance carriers such as Acuity, EMC, your vehicle in inclement weather. The single most on additional important thing we can do while driving in severe and Utica that enhance our commercial lines offerings nterize Your Rig contracting, manufacturing, and retail. Our in trucking, winter conditions is to slow down. A safe speed for If you do get snowed in at home and the situation isn’t thinking about winter long before the first to handle many different agribusiness expertise allows us snow hits. Be sure conditions might be well under the posted speed limit. dire, just relax and preserve heat by hanging blankets ur truck is winterized, and sooperations and help manage the diversity types of farming are you, by the time you make your Triple the normal driving distance between you and over windows and doors. If you use a supplemental t cold weather run. of risks involved – by far our largest growing new customer the car in front of you. If your vehicle begins to slip, heating device, make sure it is UL approved, in good on new segment. Andaren’t personal auto to give you customers tires if treads our deep enough and home the immediately take your foot off the accelerator and steer operating condition and maintaining safe distance ction you continue snow and ice. Start carrying tire chains. need on to benefit from our large array of insurance glow gentlyor the direction you want the car to go. If your car Yourself in manifold heater going. The plug Winterize from flammable items. ange yourproviders with options not seen in it all year round. as ether gets stuck, clearor explode. in front of and behind your supplies in case you’re stranded oil to 15W-40, if you’re not using captive offices such could catch fire the snow Carry survival OUTSIDE. Nationwide, State Farm, AllState, and Only Independent place wiper blades and be sure your cab heateretc. defroster are tires and spread sand, kitty litter or tractioninmats in Carry a set of Make sure to remove garden hoses from a blizzard. heavy protective Agencies like us can provide you, the consumer choices. It is safer to install an automatic starting fluid good working order. the front and back of your tires. Gently accelerate untilas well outside faucets. Hopefully, you remembered to clothing as a your an extra leaves, assembly. This is a small device which injects cleanshovel,gutters ofblanket, and debris. Better yet, you feel the tires begin an batteryWe are also reworking our website to enhance our customer’s a measured dose of ether eachto spin. Put the car in supply of water, some emergency rations, connections and starter cables. Install heating devices a reverse time you start install experience with our 24/7 access to Chance options, and back up slowly until stopped by the snow. a first-aid kit. gutter guards. These can help keep snow and the batteries, fuel tanks, cooling systems, and oil. paymentare and Rock the engine. ice from building up, which can form ice damns and vehicle ID cards, claims reporting, and other customer forward again using a low, steady speed. same heater will do double duty for oil and coolant. service enhancements. Please check us out over the next damage your house. Outside If you’re properly equipped, you may be able heating appliances like Easy AT HOME. Have your heating system inspected to make Does It several weeks at www.communityinsurancegroup.com heat truck must be clear of ld Starting to leave a stranded pumpsand go for help. snow and debris to work to monitor start progress.your truck on the southfeel free to Go easy onitsnow and ice. Too much power to an alternative have no clear idea of where you’re our parking As always, please side sure is working properly. If you have But if you efficiently . hen cold nights come, contact me directly with any service suggestions – we want the drive wheels can cause you beloseapproved and inspected heating source, it should to UL traction buildings, to block the north wind. Zip up the winterfront to going, you’re better off have to put. outside, wear tight and layered If you staying go Remain to make your experience with Community Insurance Group and go into ausing. On glare ice, it doesn’t before side skid. ep the heat inside. Check your engine heater the first time you calm, stay dry, clothing and sturdyConserve shoes. Make sure to and keep warm. watertight the best it can be. (jeff@communityinsurancegroup. take much to spin your wheels. Test carefully e it to make sureor 937-492-0823). it’s working. fuelCheckrunning the exposed parts of the body by wearing hats, gloves by to seeGood much throttle will gain you power is lost. how insulation will also help if some com, cover engine intermittently. Use you CB radio toscarves. touch with protect skin and prolonged traction without spinning your wheel. and windows. Seal ave the glow plug on longer as the temperature drops. You only for possible air leaks around doors and stay in Failure to the To all of our insurance customers, we thank you for allowing us outside world. exposure to the cold can result in frostbite. The nose, ed to operate it for a minute at 40 degrees Fahrenheit (4 degrees electrical outlets ans switches on outside walls. Stock to earn your business – we truly appreciate the opportunity! Separate your tractor and trailer often in sius), but it needs to be on for means to be Community! up on apply prepare food, first aid supplies, batteries, cheeks, ears, fingers and toes (your extremities) are winter and easy tolight-weight chassis lube Embracing what it three minutes at 10 below. flashlights and If battery-operated radio. Make Sure You Survive affected. a it gets stiff, turning is most commonly to the fifth wheel. u may want to carry a spray can of ether to assist in starting. Prepare yourself for winter when it’s still Sincerely, engine and have difficult and you’re likely to lose control. t go easy. Too much ether and you’ll race the warm. Master the techniques of proper mes shooting out your stacks. Don’t use it all if you have the winter driving and you’ll snowpLow, Custom paint JoB: make it through the harshest weather with your safety record still Jeff Sargeant, President, intact. Community Insurance Group Have you recently added any permanently attached equipment taking photos and saving your receipts. to your In considerationsnowplow, ladder rack, or holiday, vehicle like a of the upcoming Christmas cleaning In the event of a loss, these may help to equipment? Or did you recently getwould like paint jobyou for yourassist settling a claim. Community Insurance Group a custom to thank vehicle loyal patronage and thebusiness? have placed in us to help protect your most trust you wrap to advertise your valued assets. The word “Community” means more to us thanKeep a in mind that unless we have just business answered “yes” caring foranythose in permanently name, it means or have all other need. www.communityinsurancegroup.com If you have adjusted the value of your vehicle for To recognize you, our loyal customer this Christmas season, we are attached equipment or to several nonprofit organizations in lieu of sendingenhancements, they will not be vehicle enhancements, other than those these making donations customer appreciation gifts. Our charitable list this contact originally installed by manufacturer, it is important to year includes: covered in the event of a loss. 24/7 ACCEss TO MAKE ON-LINE us. We Local Hospice Care, Foodneeds and assureWomen Crisis Centers will evaluate your insurance Pantries, and that your PAYMENTS, CREDIT CARD PAYMENTS, We know that these enhancements can found in the vehicle is insured adequately. communities in which we operate. ChANGE yOUR BILLING PLAN be costly, so before it is too late be sure to What better way to support our own Community, than to connect our In addition, we recommend and those charities in need, during this time our office. We are always happy to you maintain a record of the contact associates, our customers, of celebration! Best wishes to or and have a great holiday permanently attached equipment all,vehicle enhancements byseason! your individual insurance needs. discuss 24/7 ACCEss TO REPORT
Welcome to our semi –annual Newsletter the Chronicle!
PREPARING FOR WINTER
Winter time and winter weather can be tremendous fun, but cold and snow can also pose danger. Slippery roads, downed power lines and limbs, and freezing cold temperatures all bring an added measure of suspense to our daily activities. There are simple steps you can take that will take the chill off your wintertime experience.
WINTER
CommerCiaL Corner
WEBSITE
✓ ✓
2
AND TRACK yOUR CLAIM
FALL/ WINTER CHRONICLES
VISIT OUR
are tHey CoVered?
“Embracing what it means to be Community”
WINTER DRIVING
Winter is a difficult time for every motorist, and it’s especially tough for truck driver. But there’s much you can do to survive the season without serious grief.
CommerCiaL Corner
Winterize Your Rig
Be thinking about winter long before the first snow hits. Be sure your truck is winterized, and so are you, by the time you make your first cold weather run. Put on new tires if treads aren’t deep enough to give you the traction you need on snow and ice. Start carrying tire chains. Change your oil to 15W-40, if you’re not using it all year round. Replace wiper blades and be sure your cab heater and defroster are in good working order. Clean battery connections and starter cables. Install heating devices for the batteries, fuel tanks, cooling systems, and oil. Chance are the same heater will do double duty for oil and coolant.
Cold Starting
When cold nights come, start parking your truck on the south side of buildings, to block the north wind. Zip up the winterfront to keep the heat inside. Check your engine heater the first time you use it to make sure it’s working. Leave the glow plug on longer as the temperature drops. You only need to operate it for a minute at 40 degrees Fahrenheit (4 degrees Celsius), but it needs to be on for three minutes at 10 below. You may want to carry a spray can of ether to assist in starting. But go easy. Too much ether and you’ll race the engine and have flames shooting out your stacks. Don’t use it all if you have the glow plug or manifold heater going. The ether could catch fire or explode. It is safer to install an automatic starting fluid assembly. This is a small device which injects a measured dose of ether each time you start the engine.
Easy Does It
Go easy on snow and ice. Too much power to the drive wheels can cause you to lose traction and go into a side skid. On glare ice, it doesn’t take much to spin your wheels. Test carefully to see how much throttle will gain you some traction without spinning your wheel. Separate your tractor and trailer often in winter and apply light-weight chassis lube to the fifth wheel. If it gets stiff, turning is difficult and you’re likely to lose control.
If you’re properly equipped, you may be able to leave a stranded truck and go for help. But if you have no clear idea of where you’re going, you’re better off staying put. Remain calm, stay dry, and keep warm. Conserve fuel by running the engine intermittently. Use you CB radio to stay in touch with the outside world.
Make Sure You Survive
Prepare yourself for winter when it’s still warm. Master the techniques of proper winter driving and you’ll make it through the harshest weather with your safety record still intact.
Winterize Yourself
Carry survival supplies in case you’re stranded in a blizzard. Carry a set of heavy protective clothing as well as a shovel, an extra blanket, a supply of water, some emergency rations, and a first-aid kit.
www.communityinsurancegroup.com
WEBSITE
✓ 24/7 ACCEss TO MAKE ON-LINE ✓ 24/7 ACCEss TO REPORT
AND TRACK yOUR CLAIM
VISIT OUR
In consideration of the upcoming Christmas holiday, Community Insurance Group would like to thank you for your loyal patronage and the trust you have placed in us to help protect your most valued assets. The word “Community” means more to us than just a business name, it means caring for all those in need. To recognize you, our loyal customer this Christmas season, we are making donations to several nonprofit organizations in lieu of sending customer appreciation gifts. Our charitable list this year includes:
PAYMENTS, CREDIT CARD PAYMENTS, ChANGE yOUR BILLING PLAN
Local Hospice Care, Food Pantries, and Women Crisis Centers found in the communities in which we operate.
What better way to support our own Community, than to connect our associates, our customers, and those charities in need, during this time of celebration! Best wishes to all, and have a great holiday season!
“Embracing what it means to be Community”
✓ PRINT VEhICLE ID CARDs
FALL/WINTER CHRONICLES
3
PRSRT STD U.S. POSTAGE PAID SIDNEY, OH PERMIT NO.48
2621 West Michigan St. Sidney, OH 45365
“Embracing what it means to be Community”
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2012 PERSONAL HOME & AUTO ACCOUNT REVIEW
PLEASE COMPLETE THE FORM PROVIDED, DETACH AND MAIL TO YOUR COMMUNITY INSURANCE GROUP AGENT.
Would you like to schedule an appointment to review your policy(s) and recommendations we may have for you? yEs NO
Please update your address and telephone information if necessary: Name:______________________________________ Address:________________________________________________ Phone:_____________________ Alternate #:_____________________ E-mail:____________________________________ Coverage for the following items may not extend from your home or auto policy if it is not endorsed.
Please check which items you may be concerned about, and we will contact you.
Towing, rental car, uninsured motorists coverage Any additional drivers Water backup of sewers/drains Flood insurance Earthquake Personal Umbrella policy and/or increasing liability limits for auto and home Identity Theft Rental dwellings/Secondary homes Vacant home Life Insurance, IRA’s, Annuities, Health or Disability Increasing your deductibles for possible savings Scheduling items (jewelry, fine arts, guns, collectibles, computers) Recreational Vehicles (mopeds, ATV’s, golf carts) Room addition/remodel Home based business (child care, Mary Kay, Avon, etc.) Other concerns:__________________________________ ____________________________________________ Please check if no changes
Once again, please let us know by indicating above if you would like an appointment to review your account. Keep in mind, no coverage is bound until speaking with an agent directly. Thank you for taking the time to complete your annual review. As always, we appreciate your continued business. If no changes are needed, simply sign this form and return to our office at your convenience. PLEASE SIGN_______________________________________________________DATE___________
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