Danica Patrick’s Message

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Seriously Good Car Insurance

Seriously Good Car Insurance

For Seriously Good Car Insurance visit: Scott Lynch Agency or call (317) 420-2867

Insurance Terms Made Easy: Subrogation

Watch this video to learn about Subrogation. For more information about insurance visit our website Scott Lynch Agency

Insurance Terms Made Easy: Subrogation

Insurance Terms Made Easy Subrogation

The Good, the Bad and the Ugly of Direct Gas Grill Lines

by Nancy Daniel on May 23, 2017

When my husband and I first decided to go with a natural gas grill that hooked up directly to our home gas system, we were thrilled to say farewell to propane canisters and the hassle of refilling them. But a 600° overnight mistake has me wondering if it was such a great idea.

We had family visiting and,after enjoying a delicious steak dinner, my husband, the grill master, failed to turn off the grill. This was after he had turned it up to high to burn off the steak remnants left on the grill.

The next morning as we readied for a day of boating, my sister-in-law went outside to retrieve something and made the discovery. The grill was so hot the siding on our house behind it was melting.

I shudder to think what might have happened if she hadn’t gone out there and we had left the grill on all day long . We might have had a serious fire with our pet dog and cat at home to face it alone. So, what are the pros and cons of connecting a grill to your natural gas line?

Advantages of natural gas grilling

  • You’ll never run out of fuel — even during your biggest barbecue (unless you forget to pay the gas company).
  • Natural gas is less expensive than propane.
  • You no longer have to lug heavy propane tanks back and forth for filling.
  • Natural gas is classified as a greenhouse gas, so it’s environmentally friendly.

Disadvantages of natural gas grilling

  • The location of your grill is fixed, so you won’t be able to move it.
  • Professional installation is required, and the initial cost of the gas plumbing can be expensive.
  • Natural gas grills are more expensive than propane grills.

What to know before you go for it

If you decide to go with a natural gas grill connected to your home gas system, there are some things you should know before you make your grill purchase.

First, natural gas grills and propane grills are not the same thing, so be sure to shop for the right type.

Some areas require a permit. If you live in a community that has a homeowners’ association, certain types of grills may be subject to restrictions. So you’ll want to check on these things.  Hopefully your locale only requires that you install a quick connect shut-off valve at the house.

Speaking of the installation, there are a couple of different methods of hooking up your grill to the gas line. The safest is with a gas plug safety quick disconnect.  Your best bet is to hire a natural gas plumber to do this for you.

Time to (safely) fire up the grill

According to the 27th annual Weber GrillWatchTM Survey, 75 percent of Americans will fire up the grill for a Memorial Day cookout this year. Regardless of your fuel source, be sure to follow these grill safety tips from the National Fire Protection Association:

  • Only grill outdoors—don’t move the grill into the garage or on the porch when it rains.
  • Position the grill well away from the house and deck railings and out from under eaves.
  • Keep children and pets away from the grill area.
  • Keep your grill clean, removing grease buildup from the grills and the trays below.
  • Never leave a hot grill unattended.
  • Turn off the supply of gas to the grill when it’s not in use.

And one final safety tip, learned the (almost) hard way: Be sure your home’s grill master turns the grill off before presenting his or her delicious char-grilled fare!

Original Article: The Good, the Bad and the Ugly of Direct Gas Grill Lines

This story was originally published on August 24, 2016. It was updated with new information.

Seriously good insurance

For seriously good insurance for your business or personal needs, call us at (317) 420-2867 or visit our webpage Scott Lynch Agency.

 

Congratulations on your new apartment!

Whether you are moving to town for a new job or just moving out on your own after graduation – we have the renter’s insurance policy for you. Call us at (317) 420-2867 to discuss our Indiana Renter’s Policy and how it will protect you. You can also visit us on line at Scott Lynch Agency. Don’t forget to ask about our other great policies!

Self-defense Can Be Costly – Make Sure your Assets are Protected

Self-defense Can Be Costly – Make Sure your Assets are Protected by Nancy Daniel on 4/14/2017

Too often we see stories in the news of innocent people being thrown into scary situations through no fault of their own. Whether it’s a robbery or burglary, home invasion or carjacking, sometimes people are forced into a life-threatening scenario.

Your first priority is protecting your family. Ours is protecting you.  That’s why ERIE introduced a new coverage to help with the expense of defending yourself in court should something unthinkable like this ever happen.

But first, let’s talk about what happens if you’re put in a situation where you have to defend yourself, your family or your property. While you should always put your personal safety first, it’s important to know the law too. Be prepared by knowing your state laws, especially if you own a firearm or have a permit to carry a concealed weapon.

What are the laws?*

In the United States, intentionally causing physical harm to another person can result in criminal or civil legal liability. In many instances a person could be liable for causing harm even if the other person had threatened or attacked first.1  Many states, however, have passed laws providing that in certain situations an individual has no duty to retreat before using force in self-defense. These are referred to as “stand your ground” laws. This article from the National Conference of State Legislatures provides state-by-state information so you can be informed.

What happens after the incident?

If you’ve had to defend yourself or your property, what happens next? Typically, after the 911 call to report the incident, you will likely go through the following steps2:

  • First responders arrive.
  • Law enforcement personnel and possibly the assistant district attorney begin the investigation.
  • You may or may not be taken into custody.  Questioning takes place – be sure to ask for your attorney as soon as possible.
  • If you were taken into custody, you may or may not be released, asked to post bond or held in jail.
  • Law enforcement may or may not file charges against you.
  • If charges are filed, the prosecutor may support or disagree with charges filed by the police.
  • At your first appearance in court you enter a plea. (Your attorney will be your advocate advising you on your plea and guiding you through the legal system.)
  • The trial process takes place.
  • The outcome is determined by a judge in a bench trial or by a jury of peers in a jury trial.
  • If found “Not Guilty”, you are acquitted. (This is where our ErieSecure Homeâ policy comes in – see below.)

Naturally, all of this can be frightening, which is why it is essential to find and retain good legal representation. And even if you’re found innocent of any wrongdoing, the legal costs can be in the thousands of dollars. ERIE can protect you by covering some of those legal costs after charges have been dropped, you’re found not guilty or you have been exonerated.

 

There’s insurance for that

Our ErieSecure Home® policy with the Select bundle now includes criminal defense cost reimbursement3. Your local ERIE agent can explain how it works and give you a quote for adding the Select bundle to an ErieSecure Home policy in order to have the coverage.

Specifically, the Select bundle includes $25,000 of coverage for defense and legal expenses incurred to defend a criminal charge arising from reasonable acts to protect people and property, when the insured is found not guilty of the charges. Examples of legal fees covered include reasonable attorney fees, bonds and actual loss of earnings.

If you’re already an ErieSecure Home customer with the Select bundle, this new coverage is automatically included. You don’t need to do anything. If you have ErieSecure Homeâ insurance but do not have additional coverage through a bundle (or have the Advantage or Plus bundle instead), talk to your ERIE agent for a quote on the Select bundle.

Helping people deal with the alarming reality of today’s news stories is just another way Erie Insurance takes good care of its customers. We believe in treating people right and this is one more way we can do that.

Original Article

*Nothing in this article is or should be considered to be legal advice.  Readers are encouraged to find and consult qualified legal advisors regarding this subject.

1 http://www.criminaldefenselawyer.com/resources/using-a-gun-self-defense-laws-and-consequences.htm

2 http://dailycaller.com/2014/11/20/step-by-step-here-is-what-will-happen-after-a-defensive-shooting/

3 The information provided here is a summary and does not include all coverages and benefits available through an ErieSecure Home® policy or apply to all states. Coverages, benefits, limits and deductibles will vary. Conditions, exclusions and limitations will apply. Refer to our disclaimer for more information. Talk to an ERIE agent for state specific policy information.