We no longer live in our grandparents' era. We live in the digital, have to have it now age. We can receive instant results like game scores, recipes, and answers to most of our general questions with just a touch of a button. You can also get instant quotes for auto insurance, home insurance, and more from specific carriers; but what you can't get is personal service! Personal service is invaluable by making sure you are properly protected while getting the best rate and coverage available in the insurance industry.
As stated earlier we are no longer living in our grandparents' era either, so why do we feel the need to have the same insurance company they did? Don't sell yourself short... Open yourself up to options! Most everything we do in life, we have options. Why should your insurance be any different?
By having a local, independent insurance agent you broaden your ability to have...
- Lower Rates and Better Coverage. An independent agent has the ability to quote from many different top rated insurance carriers and provide you with several options that will best serve your current needs. Independent agents are consumer-driven, they are able to provide a much higher level of service and care than that of a captive agent (single carrier agent - i.e. your grandparents' agent).
- Ease of Service. An independent agent can service all of your insurance policies, so if there is ever a question or need there is only one number to call, and an actual real-life person to answer your call!
- Unbiased Opinion. An independent agent represent a multitude of excellent insurance companies, their job is to match your needs with the company that best satisfies them.
- Flexibility. The insurance market is constantly changing along with your insurance needs. By being with an independent agent you know they will shop, negotiate, and switch companies as needed. This creates an effortless environment for you! There will be no need for you to switch insurance agents EVER again!
- An Advocate. An independent insurance agent is YOUR advocate - not the insurance company!
An independent agent has it ALL! It bears repeating: a local, independent insurance agent is your one-stop-shop! So, what are you waiting for? Go out and make your grandparents proud... Be Smart and Switch to a local, independent agent today!
Many of us can relate, you wake up on a cold winter morning and shuffle into the bathroom, turn on the faucet and... trickle, trickle or possibly nothing at all. You have a frozen pipe. What do you do now or better yet, how do you avoid this messy, potentially expensive situation in the first place?
Below are some ideas to help keep the water flowing inside even when it is freezing outside:
Before It Gets Cold
- Drain water supply lines to your sprinkler and swimming pool. Don't put antifreeze in the lines, as spills or leaks can threaten pets, wildlife, and landscaping.
- Disconnect and drain outdoor hoses before putting them in storage. Place an inexpensive foam cover over the faucet. Better yet, close the inside valves that supply water to the hose bibs. Then open the outside hose bibs to let any remaining water drain out, and leave them open.
- Insulate water pipes with pipe sleeves, heat tape or heat cable, particularly pipes that run through unheated areas of the house, such as attics, basements, crawl spaces and garages.
As Temperatures Drop
- Keep your house warm, and allow the warm air to circulate as much as possible. Seal drafts and keep interior doors open. If you’re going to be gone for an extended period, don’t turn off the heat. Keep it set to at least 55 degrees Fahrenheit.
- Open cabinet doors under kitchen and bathroom sinks to allow heat to reach the pipes. Be sure to move cleaners and other chemicals out of reach of children and pets.
- Open indoor faucets, hot and cold, to allow a trickle of water. Flowing water is less likely to freeze.
When a Pipe Freezes
- The first thing to do, faced with the telltale trickle, is try to find where the pipe is frozen. Keep the faucet open, and open other faucets in the house to determine if the problem is widespread. If it is, turn off the main water supply and call a plumber.
- If it's a single pipe, and you can reach the frozen section, try using a hair dryer, heating pad or portable space heater – just never leave it running unattended. Keep the faucet open and work up and down the pipe, starting at the faucet and working backward to the frozen section. Apply heat until full water pressure returns, then reduce the flow to a trickle until the cold snap ends.
- An alternative method: Wrap the frozen section with towels soaked in hot water. Don't pour hot water directly on a frozen pipe, and don't use a propane torch or other open flame.
If these approaches don't work, or if you have a leaking or burst pipe, don't hesitate to turn off the main water supply and call in a licensed plumber. And, be sure to touch base with yourtoo, preferably before a crisis. You'll want to know whether you're covered for burst pipes and the ensuing water damage.
Paschall Insurance Group is certain to have a "Holly" Jolly Christmas with this exciting addition to our Team... Please welcome our newest Team Member, Mrs. Holly Dehls!
Holly comes to Paschall Insurance Group with over 10 years of experience in management and customer service. She brings with her a welcoming attitude, top notch customer service and meticulous organizational skills. Holly's level of energy and enthusiasm is contagious! Holly and her husband Todd have been married for 10 years and have 2 fun loving, energetic boys. Holly enjoys watching her boys play sports, gardening, working out and spending time with family in her spare time.
We welcome you to stop by our office and meet Holly, you will certainly leave feeling a little more Jolly!
You’ve heard all the talk about driverless cars — but unfortunately, we’re still years away from living in a world where you just tell your car where to go, kick back and relax with a book (or, more likely, your phone).
Even though our driverless future has yet to arrive, and you still have to pay attention when you’re behind the wheel, technology actually plays a big role on the road to safety already. And nowhere is that more apparent than the new safety features that make today’s vehicles safer than ever.
Those features might be even more important now, because drivers aren’t necessarily better these days. In fact, according to the National Highway Traffic Safety Administration (NHTSA), 2015 ended a five-decade trend of declining traffic fatalities — the 7.2% increase in deaths from 2014 was the largest jump since 1966.
Of course, we all know the basics of being a good driver: be alert, don’t speed, avoid distractions, remain mindful of the conditions, etc. While newer safety features aren’t a substitute for any of those things, they can be an excellent supplement to good driving habits.
So when you’re shopping for a new (or new-to-you) vehicle, look for ones that have the following options recommended by the NHTSA. They might even help you save on your insurance!
Forward collision warning: These sensors in the front of the vehicle will warn you of an impending collision, giving you a chance to brake or steer clear.
Automatic emergency braking: Working with forward collision warning sensors, this will automatically apply the brakes to avoid a collision.
Lane-departure warning: This uses cameras to keep track of your car’s position on the roadway; if you begin to drift from your lane unintentionally, an alarm notifies you.
Backup camera: These cameras, which are becoming standard equipment in more vehicles, automatically activate when the car shifts into reverse, giving you a view behind the car.
Electronic stability control: This is now standard on models 2012 and later, but if you’re purchasing a used car, consider one that offers this feature. It helps you keep control in slippery conditions and on curves — according to the NHTSA, it reduces the risk of a fatal single-vehicle crash by about 50% and the risk of a fatal rollover by 80%.
Other features that may be available, depending on the make and model of car you choose:
- Automatic crash notification: Notifies emergency responders in the event of a crash.
- Lane-keeping support: Steers your vehicle back into the lane if you begin to drift.
- Pedestrian automatic emergency braking: Alerts you if a pedestrian is in your path and automatically applies the brakes.
- Blind-spot detection: Illuminates when another vehicle is in your blind spot on either side of the car.
- Adaptive headlights: These headlights actually shift as you take curves and turns to help you see better.
Finally, don’t forget things that have little to do with technology, but still have a big impact on safety — such as the vehicle’s size and weight, structure and restraint systems, and its NHTSA safety rating. To look up the cars you’re considering, visit .
It's hard to believe we are already into November and that Thanksgiving is right around the corner! Americans are gearing up for one of the most spectacular feasts of the year! Thanksgiving is a holiday that brings family and friends together to share good food, conversation, and laughter. In the midst of all this festive activity, it’s important to remember that there are health hazards associated with the holiday, including an increased chance of food poisoning, kitchen fires, and travel incidents.
Taking just a few minutes to read these Thanksgiving safety tips could mean the difference between enjoying the holiday and having a turkey dinner end in disaster.
Following these food safety tips can keep any Thanksgiving meal safe from bacteria and keep your family and friends from getting sick:
- Safely cooking a turkey starts with correctly defrosting it; place your bird on a tray or pan to catch any juices and keep it refrigerated until it’s ready to cook.
- A 20-pound frozen turkey can take up to five days to thaw out so plan ahead.
- Turkeys need to be cooked to an internal temperate of 165 °F.
- Leftovers need to be refrigerated within two hours after serving.
The average number of cooking fires on Thanksgiving is triple that of a normal day. Here a few simple ways to avoid fires:
- “Stand by your pan" when cooking. Never leave food, grease, or oils cooking on the stovetop unattended.
- Pot holders, oven mitts, food wrappers, and other things that can catch fire should be kept away from the stove.
- Children should also be kept away from hot stoves and paid particular attention to when they are in the kitchen.
- Facing pot handles towards the rear of the stove can save them from being knocked over and scalding people nearby.
- Long sleeves and loose clothing should be avoided while cooking as it can easily catch fire.
Thanksgiving Travel Safety
The Thanksgiving holiday is one of the busiest travel times of the year, and with all the excitement travelers can become more focused on celebrations than getting to their destination as safely as possible. Following these travel tips will keep everyone safe on the road and in the air:
- An emergency road kit is important to have in case of a breakdown or accident.
- Ideally, travel outside of the heaviest days to avoid congestion – which are the Wednesday before Thanksgiving and the Sunday afterward.
- Get your car road-ready and start your trip with a full tank of gas.
- Don’t be distracted. It’s illegal to text and drive in most areas and drivers who text and drive are 23 times more likely to get into a crash than those who don’t.
- Don’t drink and drive.
- At airports, remember the 3-1-1 rule for carry-ons.
- Food items in your carry-on luggage must be in clear plastic bags and less than 3.4 ounces.
- Thanksgiving is the busiest time of the year at airports; packing smartly will help security lines move along quickly.