It's long been said that “dog is man's best friend,” and many people feel that way
about their family pets. They are so attached to their pets, in fact, that they
frequently take them along with them in the car—and it's not just a ride to the vet.
They're taking dogs to dog parks, day care and even play dates with other dogs.
This is all well and good, until one thinks about the distraction that having a dog
in the car brings.

  A survey of drivers who
  travel with their dogs
  showed that drivers admit
  to   petting their dogs;
  using hands or arms
  to hold dogs in place while
  braking;  using hands to
  keep dogs from  climbing
  into the front seat; allowing
  dogs to sit on their lap;
  and feeding dogs treats
  while driving. In addition
  to the driving distraction
that  Bowzer presents when he is a passenger in the car is the safety hazard. In an
accident, Bowzer becomes a flying  missile, injuring himself and others as he
bounces around the car. In an abrupt stop, Bowzer will keep moving at the speed
the car was traveling. Take a 40-pound dog moving at 60 miles an hour, and the
physics of the situation get ugly. The driver, passengers and Bowzer may all be
injured.

Remember that as far as insurance is concerned, Bowzer is personal property,
so the Auto policy med pay doesn't cover injuries to Bowzer, and the Homeowner's
policy doesn't cover animals. Some carriers are now offering coverage for animals
traveling in cars. One carrier's limit is $2,000; however, if you've ever taken an
animal to an emergency vet, you know that $2,000 may not be enough to treat all
of Bowzer's injuries.

But all is not lost. A visit to most pet stores will provide you with a safety harness
for your furry friend. While there aren't any laws that Bowzer must be buckled up,
if you buckle up yourself and your family, you may as well buckle up Bowzer.

Buckle Up Bowzer

At Huff Insurance we care about all member's in your family, even those furry one.
Call us to see what options are available for the other part of your family.

                                                       
                                                 



Story by; Christine G. Barlow, FC&S Online.

Each year, Insure.com ranks the most expensive and least expensive
automobiles to insure.

 
















  Insure.com bases rates on insurance for a single, 40-year-old male
  who commutes 12 miles to work each day, with policy limits of
 100/300/50 ($100,000 for injury liability for one person, $300,000 for
  all injuries and $50,000 for property damage in an accident) and a
  $500 deductible on collision and comprehensive coverage.

                  Here is the complete list



These rates were based upon other states, Washington Insurance rates
and Oregon Insurance rates are substantially less, at Huff Insurance we
encourage our customer to call us first to find out how much that car will
cost BEFORE they buy it! free and simple and just one of the many ways
we work for you! Call us today and find out before you buy!

                        

In 2008 a commuter was struck and killed by an oncoming Amtrak train. A large part of the
commuter's body flew through the air and struck a bystander waiting for a different train,
causing injuries to her shoulder, wrist and leg.

Amazingly enough, the First Judicial District of the Illinois Court of Appeals has ruled that
the bystander may sue because her injuries were foreseeable and that the deceased owed
her a duty of care. That's right—your dead body owes a duty of care to passersby. A trial
judge had earlier ruled that the accident was not reasonably foreseeable and was tragically
bizarre, but the appeals court did not agree.

   If we go along with the appeals court
   that dead bodies owe a duty of care
   to passersby if by some chance they
   go flying through the air (certainly a
   rare occurrence), is there coverage
   under your basic homeowner’s policy?

  Indeed there is. Under medical
  payment to others, coverage applies to
  a person off the insured location if the
  injury is caused by the activities of an
  insured. Certainly the flying of the
deceased insured's body can be seen as an activity. Merriam Webster online defines active as
the quality or state of being active; 2: vigorous or energetic action; or an active force. Certainly a
flying body is an active force. There is no exclusion in the policy for flying bodies, so there is
coverage.

So remember this in the event of a zombie apocalypse: Once you identify the zombie who causes
you injuries, you can file a claim for med pay against his homeowner’s policy.

How much med pay do you have on your policy?  At Huff Insurance we can review your current
policy for proper protection for the unexpected!

                                                

  Story provided by Christine G. Barlow, associate editor at FC&S Underwriters.