July 25, 2013

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In This Issue
Heat Stress
Auto Deductibles
Your Agent Steve Davis

Our Mission: 

Columbia River Insurance Services is a professional agency dedicated to providing our clients with the best insurance protection and service possible. We will strive to use the industry's most superior products while maintaining affordability.

 

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Fax:503.808.1118
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Heat Stress Prevention

 

Summer is here, and many are not accustom to working and playing in hot temperatures. Heat stress is a signal that says the body is having difficulty maintaining its narrow temperature range. The heart pumps faster, blood is diverted from internal organs to the skin, breathing rate increases, and sweating increases, all in an attempt to transfer more heat to the outside air and cool the skin by the evaporation of sweat. If the body can't keep up, then the person suffers effects ranging from heat cramps to heat exhaustion, and finally to heat stroke.

 

If the body cannot get rid of excess heat, it will store it. When this happens, the body's core temperature rises and the heart rate increases.  As the body continues to store heat, the person begins to lose concentration and has difficulty focusing on a task, may become irritable or sick, and often loses the desire to drink. The next stage is most often fainting and even death if the person is not cooled down. The major heat stress injuries and illnesses are; heat rash, heat cramps, heat exhaustion, then heat stroke.

 

Heat Stress Prevention

 

The immediate steps to follow for a heat stroke victim while waiting for medical personnel to arrive include:

  • Move the victim to a cooler location.
  • Remove any outer clothing that would interfere with the free circulation of air around the victim's body.
  • Apply cool water to the entire body surface of the victim. Use ice if necessary.
  • Vigorously fan the victim to increase the cooling effect of the water.
  • Get medical help as soon as possible.

Symptoms of Heat Stroke:

  • Very high body temperature
  • Red, hot, dry skin (no sweating)
  • Dry swollen tongue
  • Rapid pulse
  • Throbbing headache
  • Dizziness, confusion and nausea
  • Collapse
  • Eventual unconsciousness

Heat Stress Prevention Tips:

  • Learn the signs and symptoms of heat-induced illnesses and what to do to help
  • Train the workforce about heat-induced illnesses and how to identify the symptoms
  • Drink water frequently and moderately
  • Use the buddy system (work in pairs).
  • Avoid caffeine and alcoholic beverages. Many cases of heat exhaustion occur the day after a "night on the town"
  • Eat lightly
  • Doing more strenuous jobs during the cooler morning hours
  • Remembering that it takes about 1-2 weeks for the body to adjust to the heat; this adaptation is quickly lost - so your body will need time to adjust after a vacation
  • Wearing light-colored, cotton clothes and keeping your shirt on.  Desert nomads don't wear all those clothes for nothing.

As the weather heats up this summer, remember to be aware of your body and take preventative action to minimize heat related injuries at work or at home. 

When is a Good Time to Increase Deductibles on my Auto Insurance?

 

We are all looking for ways to save money. Our team works hard to offer the best combination of pricing and coverage to all our clients. We recommend that you review your insurance program annually to make sure your insurance is meeting your changing needs. Reviewing deductibles should be part of the process. 

 

Pro:

Increasing your deductible will reduce your premiums. For example, let's say you pay $225 per month for your auto insurance with a $50 comprehensive and $100 collision deductible. By increasing your deductible to $250 comprehensive and $1,000 collision you might save $75 per month. That is a $900 annual savings. Assuming you don't have regular accidents, the savings would almost pay for itself in a year. (This is an example only. Actual savings will be based on individual factors)

 

Con:

If you raise your collision deductible to $1,000 and have an accident the next day, you must pay the $1,000. Are you prepared to manage that? Keep in mind these deductibles will apply even if your car is stolen or a tree falls on it; it does not have to be your fault.

 

Your deductible and limits are a personal decision and your financial situation plays a part in the deductibles and coverage you choose. Columbia River Insurance Services can review your insurance and provide deductible saving options, so please call us today.

 

Final Thought - When should you remove your deductible?

 

There does come a time when it is not cost effective to maintain any comp/collision insurance. As vehicles age, the depreciated value continues to get lower. At some point you must consider the cost of insurance vs. what you might get in return. For example, if you pay $200 for a six month policy, but your car has a depreciated value of $1,500, the cost benefit may not be worth the insurance. In this example your annual insurance cost is around 37% of your vehicles value. You might consider taking the premium savings and removing comp/coll altogether. Please contact me for more information.