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Posted on September 18th, 2012 by admin

Severe thunderstorms, pockets of heavy rain and strong, gusty winds are expected in our area over the next few hours. Wind gusts in excess of 50 mph are possible, which could cause tree and power line damage. Wind advisories are posted for New York, New Jersey and Connecticut.  All in all, it’s going to be a bad weather day in the East. Safe Driving Tips In bad weather, consider whether every journey is necessary; the best way to stay safe in bad weather is to stay off the roads and use alternative means of travel such as walking, bus, or…Read More

Posted on September 14th, 2012 by admin

One million people chat and text while driving each day. It is a growing trend, and a national epidemic, quickly becoming one of the country’s top killers. People feel pressure to remain in constant contact, even when behind the wheel. Drivers assume they can handle texting while driving and remain safe and do not realize are the risks posed when they take their eyes off the road and their hands off the wheel. Texting While Driving Causes: 1,600,000 accidents per year – National Safety Council 2. 330,000 injuries per year – Harvard Center for Risk Analysis Study 11 teen deaths EVERY DAY…Read More

Posted on September 13th, 2012 by admin

What’s the purpose of life insurance?   Life insurance usually is purchased by individuals to guarantee a specific sum of money to a designated beneficiary upon the death of the insured, or to the insured if he or she lives beyond a certain age.  The payment may be used by the beneficiary at his or her discretion unless provisions are specified in a will.  The capital sum may assist such matters as the loss of income due to the death, and other expenses, such as medical and funeral bills, child-care costs, college expenses and the costs associated with day-to-day living,…Read More

Posted on September 11th, 2012 by admin

What is the difference in coverage if water backs up through a drain or sewer due to heavy rainfall, such as a hurricane, and water that backs up due to a break in the town’s water system infrastructure (pipes)? The difference is night and day, or no coverage vs. coverage. The Section I-A.3 Water excluslon in the ISO Homeowners Policy (HO 00 03) applies to the following types of water: Flood, surface water, waves, including tidal wave and tsunami, tides, tidal water, overflow of any body of water or spray from any of these, all whether or not driven by…Read More

Posted on September 10th, 2012 by admin

Labor Day weekend is a time for goodbye-to-summer parties, nights out and the last, big go-round of backyard barbecues. Not coincidentally, it is also a time for increased DUI checks by police. But getting stopped by an officer after an afternoon or evening of drinking is really the secondary concern to hurting someone else or yourself by driving drunk.   In the North Jersey suburbs, there aren’t a lot of taxi options, and even if one is a choice, it still leaves a car to be collected the next day from a bar or restaurant.  A few local businessmen have…Read More

Posted on September 6th, 2012 by admin

On Sept 16, 1997, the Volunteer Protection Act of 1997 became active.  Concerned that volunteers have been deterred from offering their services to nonprofit because of liability concerns, Congress went to work to etact a law that would limit volunteer liability.  This federal law is good news for all those who volunteer, or have wanted to volunteer, for nonprofit organizations. I’d like to volunteer for a nonprofit organization.  Am I protected from liability? Yes. The Volunteer Protection Act provides liability protection for harm a volunteer may cause as long as: 1)      the volunteer was actign within the scope of his…Read More

Posted on August 28th, 2012 by admin

I know we’ve been over this before, but with the recent rainy days we thought it’s a good time to remind you. CONSIDER THESE FACTS: Floods are the nation’s #1 natural disaster. About 25% of all paid claims are from low-to-moderate risk areas, yet most residents in these areas do not have flood insurance. In high-risk areas, there is a 25% chance of flooding over a 30-year mortgage while only a 10% chance of fire. Federal Disaster Assistance is only available if the flood area is declared a Federal Disaster by the president, and comes in the form of a loan that…Read More

Posted on August 28th, 2012 by admin

The Insurance Center of North Jersey loves cars, as does all of America. Innovation, mass production, interstate highway and the lure of exploring a 3,000-mile wide country have combined to give the U.S. a century of automobiles of many shapes, sizes and speeds. In 2012, the love affair continues, unabated by sluggish economic times, high gasoline prices or any other bump in the road. Insurance is essential for every car hobbyist. The collector-car hobby gives The Insurance Center of North Jersey the chance to combine work and pleasure. A specialty policy provides property and liability coverage for car owners, but…Read More

Posted on August 27th, 2012 by admin

I just bought a home and would like to insure it against damage or destruction. How can I be sure I will financially able to repair or rebuild in the event of a catastrophe, such as a fire? Insurers generally recommend you to insure your home for full replacement cost, which means it is insured under a homeowner’s policy for 100 percent of the cost of repairing or rebuilding it at the time this becomes necessary. If you purchase a guaranteed replacement-cost endorsement, you would receive the full amount you need to rebuild, regardless of inflatation. Most insurers require you…Read More

Posted on August 23rd, 2012 by admin

1. Before you attempt anything else on the Internet please fix your online reputation first. 2. Physician ratings are the most socially-relevant channels in 2012. Starting in January, these companies have started spending millions of dollars urging patients to screen doctors. Bad online reputations are disastrous for practices. 3. Google Search is the most cost- and time-effective social media tool available. 4. For doctors who perform elective procedures, who accept out-of-network benefits, or have fee-for-service practices, social media is a requirement.5. Learn to blog. 6. Learn the basics of medical search engine optimization (SEO). 7. Link to articles and resources that are yours. 8. Do not advertise…Read More