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 Insurance Connection
DeLauder Insurance Agency
5300 Westview Drive, Suite 308
Frederick, MD 21703
Spring 2010 |
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| Industry News
 A recent survey finds that 71 percent of people between the ages of 18 and 49 admit they text or talk on the phone while they drive. Nearly 500,000 people are injured and 6,000 are killed each year because drivers are talking, texting and e-mailing behind the wheel. Progressive Insurance has teemed up with Oprah to bring awareness to the growing epidemic of distracted driving. The program is called NO PHONE ZONE. If you visit www.oprah.com you can get more information and sign the NO PHONE ZONE pledge to help end distracted driving.
Visit www.distraction.gov for more information on distracted driving and the laws in your state.
If you MUST use your cell phone while driving, use it HANDS FREE (it may soon be the law)! "Every state and the District of Columbia has considered legislation in the area of driving and cell phone use.....it is now pending in the MD State Legislature.
Reference: www.mlis.state.md.us
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IT'S TAX TIME!
BRING YOUR CONFIDENTIAL PAPERS INTO OUR NEW OFFICE ON
APRIL 16TH 11:00-1:00 FOR FREE SHREDDING
A CUSTOMER SERVICE IN CONJUNCTION WITH ALL-SHRED
SEE DETAILS IN THIS NEWSLETTER
Before you file, call us if you need the itemized premiums for your 
business, your auto, or your rental properties.
If you need to write a check out to the IRS, call us to see how we can save you some money on your insurance premiums
Do you get a refund??......Call us if........
* you are buying a new vehicle, boat, or ATV
*you are planning to make home improvements
*you are purchasing a hot tub, swimming pool, trampoline, etc
*you are going on vacation....coverage for a rental car, or tips for making your home
less of a target while you are away
Call our office for a thorough review of all your insurance policies once a year....
why not now?!
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Free Shred Day!!
APRIL 16, 2010
SHRED YOUR DOCUMENTS DAY
FREE!!!
Bring up to 3 boxes of documents to our office @
5300 Westview Dr Suite 308 Frederick MD
between the hours of 11am - 1pm
Don't be a victim of Identity Theft.....have your
confidential papers destroyed properly!
Our agency is hosting this event in conjunction
with All-Shred.
Call our office for more details
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Are you covered?
WOULD YOU BE ADEQUATELY COVERED IF YOU WERE RESPONSIBLE FOR ANY OF THE FOLLOWING INCIDENTS ?
- A jury awarded $900,000 to the estate of a 43 year-old father whose death resulted from an automobile accident. The award was based in part on the father's future earning potential.
- At an end of school swim party, a 16 year old dove and hit his head on the bottom of the pool. He became a quadriplegic, and the case resulted in a $1.5 million settlement against the homeowner.
- While helping paint, a 40 year old friend broke his heel after a downspout he was holding broke away from the house. Although he was found only partially responsible, the fall cost the homeowner $1.2 million.
In order to better protect your family against risks you could face in everyday life, you may want to purchase an umbrella policy for additional protection. A policy, can cost as little as $200 a year for
$1 million dollars of coverage.
(Rates vary based on individual exposures and coverage is based on carrier
underwriting approval)
CALL OR EMAIL US TODAY TO DISCUSS !
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 Own a business? Do you work from home or have a home based business? If so, do you have proper coverage?
Many home businesses forget the coverage they may need for their office equipment, computers or inventory. Also many policyholders forget the need to address business use for a vehicle. Most home based businesses can be covered under the homeowners policy, but need to be added by endorsement with an additional premium. Also, a very important reminder; a business that is in a detached structure would exclude that structure from the homeowners policy. There are many facets that make running a home business (or operating a business from your home) attractive and economical. Do not forget to call us to review what the added insurance issues could be. No one wants a false sense of security......let us help you determine what the proper solution would be to make sure your home-based business is insured properly! We are only a phone call away.
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What you need to know if you are in an accident.
- Move your vehicle aside to protect it from further damage
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- Call the police right away if someone is hurt, there is extensive damage, your vehicle was stolen, or if you need their assistance.
- If you have a camera on your cell phone, take pictures of damage.
- Never admit liability or sign a statement unless authorized by your insurance carrier.
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Report the claim to your Agent or Insurance Carrier as soon as possible; failure to report the claim in a timely manner can result in a loss of coverage!.
- If you are a commercial driver, notify your employer of the incident.
- Did you lose your insurance card, or need an extra? Call us and we can print you a new one or tell you how to print one online. Always keep your insurance card in your car!
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| $50 Gift Card!!!! |
IF YOU REFER A FRIEND OR FAMILY MEMBER AND THEY BECOME OUR CLIENT, YOU COULD WIN A $50 GIFT CARD TO HOME DEPOT!!!!!
*Drawing July 5th 2010* |
| Offer Expires: June 30th!! | |
Green News
Earth Day is April 22, 2010, are you doing your part?
10 Disturbing Facts on what we waste 10 Disturbing Facts on what we waste
Oct. 26, 2009 
- Americans throw away 2.5 million plastic bottles every hour. They take 400 to 1000 years to degrade.
- About 80% of what Americans throw away is recyclable, yet the recycling rate is just 33%.
- $1 out of every $10 spent on food goes into packaging and in the US, over 400 billion plastic bags are tossed into the garbage. Plastic bags can take 1000 years to degrade.
- The average student lunch accounts for 67 pounds of packaging and waste per year (that's 4.6 trillion pounds in the US alone).
- 5 billion drink boxes are thrown away each year in North America.
- 2/3 of our household waste can be composted.
- 8 out of 10 water bottles end up in a landfill.
- The state of Texas could be shrink-wrapped with the amount of plastic film that Americans throw out.
- Plastic products contribute 30% of total municipal solid waste.
- Recycling one aluminum can save the amount of energy to light one 100 watt bulb for 20 hours or run a TV for 3 hours. Over 100 billion aluminum cans are consumed in the US annually, only half get recycled.
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Spring Cleaning Tips
- Remove or trim any dead branches from large trees/shrubs that are near your house.
Inspect , clean, and repair spouting and drains.
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Fix loose or damaged siding.
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Have an HVAC expert check your air conditioner, change filters.
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Have a Duct Service clean and/or inspect your dryer vent.
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Install surge protectors to appliances to minimize exposure to lightning and power surges.
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Keep your grill a safe distance from the side of your house and the roof line.
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Make sure decks, porches, and balconies have secure railings.
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Keep fire extinguishers in the kitchen and garage and make sure you know how to properly use them.
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Set your water heater at 120 degrees to prevent scalding.
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If you have infants or toddlers in the home, make sure electrical sockets, windows and cabinets are child-proofed.
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Change the batteries and test your smoke and carbon monoxide detectors. (good idea is to get in the habit of doing this when time changes: Spring Ahead, Fall Back!)
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A clean organized environment adds to your quality of life, enjoy shedding some of your gently used items by donating them to a local charity!
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Make an annual check list for your personal spring cleaning and safety tips.
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| In our next issue....
~ Planning a vacation and renting a car?
~ Summer safety tips.
~ College Bound - insurance for the college student.
~ "Stay tuned" for the launch of our NEW web site!!
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WE THANK YOU FOR YOUR CONTINUED BUSINESS!!!
Your Friendly Agents at
DeLauder Insurance Agency
**To make sure you continue to receive our quarterly Insurance Connection newsletter, add us to your address book, or let us know if your email address changes.**
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