If you live on the Southside, you probably know about the tragic death of Rashawn Haskins on Dec. 1. Rashawn was on his way home from a game and was killed in a car accident at U.S. 31 and Main St. in Greenwood. Every parent’s worst nightmare. Rashawn was voted an all-state senior wide receiver and had 25 schools from Division II to NAIA to Division III interested in him as a freshman at their schools. A bright young man with a bright future.
Ben Nicoson did not personally know Rashawn Haskins. Nicoson wanted to do something so he created a Go Fund Me “Hoops for Haskins”. He enlisted the help of the Indiana High School Athletic Association, Center Grove principal Jeffry Henderson and student athletes from across the state of Indiana.
On Saturday 2/16/2019 Ben Nicoson presented a check to the family of Rashawn Haskins for $22,208.92. The funds were generated by the Go Fund Me account in which every basketball player in the state was asked to donate $1.00. That is a lot of students making a difference in the lives of 1 family in Indiana.
This week marks Lightning Safety Awareness Week. Though disasters like hurricanes tend to get more attention during the summer months, it’s important to know how to stay safe from lightning. That’s because lightning presents serious dangers to both people and property.
Lightning safety and people Lightning can occur during any time of the year, but lightning casualties are highest during summer. July is generally the month with the most lightning. Lightning strikes often occur in the afternoon. Two-thirds of all lightning casualties occur between noon and 6 p.m. According to the National Weather Service, here are some more interesting facts:
Males are five times more likely than females to be struck by lightning; around 85 percent of lightning fatalities are men.
People aged 15 to 34 account for almost half of all lightning strike victims (41 percent).
About one-third (32 percent) of lightning injuries occur indoors.
Lightning safety and property From 2007 to 2011, local U.S. fire departments responded to an average of 22,600 fires per year that were started by lightning according to the National Fire Protection Association. These fires caused an average of nine civilian deaths and $451 million in direct property damage per year. Home fires accounted for 19 percent of the lightning fires. Fires in nonresidential structures, including businesses and other non-residential properties, accounted for 7 percent. Vehicle fires accounted for 1 percent. The remaining 73 percent were in outdoor and unclassified properties.
How to avoid lightning There are important things to know when it comes to how to avoid lightning. Once you hear that first clap of thunder, remember to:
Postpone outdoor activities.
Heed the 30/30 Lightning Safety Rule: Go indoors if, after seeing lightning, you cannot count to 30 before hearing thunder. Stay indoors for 30 minutes after hearing the last clap of thunder.
Secure outdoor objects that could blow away or cause damage.
Get inside a home, building or automobiles with a hard top (not a convertible). Although you may be injured if lightning strikes your car, you are much safer inside a vehicle than outside.
Remember, rubber-soled shoes and rubber tires provide NO protection from lightning. However, the steel frame of a hard-topped vehicle provides increased protection if you are not touching metal.
Shutter windows and secure outside doors. If shutters are not available, close window blinds, shades or curtains.
Unplug any electronic equipment before the storm arrives.
You are not safe anywhere outside. Run to a safe building or vehicle when you first hear thunder, see lightning or observe dark threatening clouds developing overhead. Stay inside until 30 minutes after you hear the last clap of thunder. Do not shelter under trees.
If it’s not possible to get indoors or in a vehicle, these actions may reduce your chances of being struck by lightning:
Avoid open fields, the top of a hill or a ridge top.
Stay away from tall, isolated trees or other tall objects. If you are in a forest, stay near a lower stand of trees.
If you are camping in an open area, set up camp in a valley, ravine or other low area. Remember, a tent offers NO protection from lightning.
Stay away from water, wet items (such as ropes) and metal objects (such as fences and poles). Water and metal are excellent conductors of electricity. The current from a lightning flash will easily travel for long distances.
The vast majority of lightning injuries and deaths on boats occur on small boats with NO cabin. It is crucial to listen to weather information when you are boating. If thunderstorms are in the forecast, do not go out. If you are out and cannot get back to land and safety, drop an anchor and get as low as possible. Large boats with cabins, especially those with lightning protection systems properly installed, or metal marine vessels, are relatively safe. Remember to stay inside the cabin and away from any metal surfaces. Stay off the radio unless it is an emergency.
When it comes to how to avoid lightning, you should also take precautions once you’re indoors:
Avoid contact with corded phones.
Avoid contact with electrical equipment or cords. If you plan to unplug any electronic equipment, do so well before the storm arrives.
Avoid contact with plumbing. Do not wash your hands, take a shower, wash dishes or do laundry.
Stay away from windows and doors, and stay off porches.
Do not lie on concrete floors and do not lean against concrete walls.
Unplug electrical equipment
It’s important to prepare for natural and weather disasters. It’s also important to make sure you’re covered if something happens to your vehicle or home during a storm. Connect with the Scott Lynch Agency to make sure you have the coverage that’s right for you.
You’ve always been a good driver; and now your good driving can be rewarded. Through our RightTrack® program, you can install a device in your car that recognizes your safe driving habits, which could earn you a discount of up to 30%. Call (317) 886-0081 to discuss.
Despite the fact that not everyone loves American football — particularly in light of its recent politicization via the “Take a Knee” campaign — most everyone loves a party.
That makes the ad hoc holiday known as Super Sunday a time for football fans and foes to come together to eat, drink and play armchair TV critic.
This year, roughly 45% of Americans plan to host or attend a Super Bowl party, according to the National Retail Federation (NRF).
“As a favorite American past-time, the Super Bowl is a great chance for viewers to reconnect with friends and family,” says NRF Analyst Pam Goodfellow. “Even though the number of viewers is slightly down this year, plenty are still planning to enjoy the day by watching it at their favorite bar or friend’s place.”
Insurance experts advise homeowners who choose to host a Super Bowl party to anticipate potential liabilities — on the chance something unexpected occurs that results in an insurance claim.
“Parties and holidays are times to celebrate and enjoy each other’s company,” says Heather Bolyard, vice president of Claims for American Modern. “Unfortunately, guests on your property are also a risk for which you may be held responsible.”
Here are six tips from insurers regarding potential homeowner liabilities when hosting a Super Bowl party, as well as how to address them.
Food and drink account for nearly 80% of the purchases made specifically for Super Bowl parties, according to the National Retail Federation. (Photo: iStock)
No. 6: Look out for inebriated guests.
Depending on the location, social host liability laws, or the criminal and civil responsibility of a person who furnishes liquor to guests, are applicable to events such as in-home Super Bowl parties, according to the Insurance Information Institute.
“There have been some very sad claims where after leaving a party with family and friends the guest drove drunk causing an accident, injuries, and even death. A Super Bowl party with friends and family is going to be a great event. If you’re serving alcohol, do so early in the game and be sure to serve food as well; put the alcohol away before the end of the game and switch to coffee and dessert.
For those that over-imbibe ensure they don’t drive; consider asking another guest to give the person a ride or order a ride from a local taxi or ride-sharing service. There are so many services that are quick and convenient. Go ahead and have an app or phone number handy if you need one for a guest. You want to remember the great party, not the results of car accident.”
In the United States, emergency rooms see nearly 8 million slip-and-fall accident cases each year, according to the National Floor Safety Institute. (Photo: iStock)
No. 5: Clear icy or obstructed sidewalks.
Many parts of the country are heading into the coldest, snowiest part of winter. That means anyone hosting a Super Bowl party could be liable should a guest slip and fall on their steps, driveway or walkway.
But that becomes much less likely when a homeowner has taken extra precautions to clear and salt snowy, icy outdoor paths.
Farmers Insurance data also indicates that skidding on ice or snow and hitting an object or pedestrian claims both increase by more than 5% on Super Bowl Sunday compared to the three Sundays prior.
Five out of six (83%) grills involved in home fires were fueled by gas while 13% used charcoal or other solid fuel, according to the National Fire Protection Association. (Photo: Shutterstock)
No. 4: Responsibly ‘fire up the barbie.’
Grilling food is easy, fast and delicious, but it also can be dangerous.
Between 2009 and 2013, U.S. fire departments responded to an average of 8,900 home fires involving grills, hibachis, or barbecues per year, according to the National Fire Protection Association (NFPA), and these fires accounted for annual averages of 10 civilian deaths, 160 reported civilian injuries, and $118 million in direct property damage.
Super Bowl Sunday is the second-largest food consumption day of the year, according to the U.S. Department of Agriculture. (Photo: iStock)
No. 3: Ward off foodborne illness.
Popular party foods containing dairy, such as dips or potato salad, can quickly sour once they come to room temperature, and Super Bowl party hosts could be liable should a guest become sick from something served at the event.
— Avoid serving Super Bowl favorites, such as pizza and chicken wings, at room temperature for the entire game.
— If warm takeout foods are to be served immediately, keep them at 140°F or above by placing in chafing dishes, preheated warming trays or slow cookers.
— If take-out foods will not be served immediately, either keep them warm in a preheated oven, or divide the food into smaller portions or pieces, place in shallow containers, and refrigerate. At serving time, reheat to 165°F.
— Cold foods that are served should be kept at 40°F or below, which can be done by nesting serving dishes in bowls of ice. Avoid storing food outside, where the sun can quickly warm foods in plastic storage containers and animals can get into them.
— Use a food thermometer to ensure foods being served to guests are not in the “Danger Zone.”
More than four million Americans are bitten by dogs each year, according to the Centers for Disease Control and Prevention. (Photo: iStock)
No. 2: Minimize pet stress.
Dogs are especially sensitive to crowds and noise (like touchdown cheering), and an agitated animal is more likely to bite.
When pets join the party, owners should monitor them for signs of stress such as panting, pacing or hiding. It also may also be wise to keep older or anxious dogs away from Super Bowl party guests altogether.
Property damage, including theft, accounts for more than 97% of homeowners insurance claims, according to the Insurance Information Institute. (Photo: iStock)
No. 1: Consider supplemental coverage.
Farmers Insurance warns that homeowners’ policies generally cover a limited amount of liability for injuries that occur at the home. So homeowners may want to consider a personal liability umbrella policy as a supplement.
Farmers also advises Super Bowl party hosts that any intentional act resulting in damage to home or property may not be covered under a homeowners policy. And there are limits to certain types of homeowner losses, such as theft.
To that end, Super Bowl party hosts may want to consult with their insurance specialist before Super Sunday to determine whether supplemental insurance, knowns as a floater, may be prudent.
“Parties and holidays are times to celebrate and enjoy each other’s company,” says American Modern’s Heather Bolyard. “After doing your best to prepare for an entertaining event, insurance can help you have peace of mind and enjoy the time with your friends and family.”
There’s a new way to trick-or-treat that’s been gaining momentum in communities over the past few years. It’s called Trunk-or-Treat. Specific organizations or businesses partner with one another to offer a less-spooky alternative to the typical nighttime trick-or-treating Halloween event. It’s great for younger children and offers a shorter, friendlier Halloween experience.
All you need is a large parking lot, participating vehicles decorated for Halloween, and attendees to enjoy the fun. Here are some tips to help you plan a trunk or treat event:
Location: The parking lot should be a decent size (a school parking lot or business parking lot is great). The location will also determine how many participants you can invite to the event. For example, if it’s at a school, will it be just for the school or can other community members and children attend? You’ll want to have enough room.
Date: While it’s an alternative to Halloween trick-or-treating, it’s recommended that you stay away from the actual Halloween holiday. Typically the weekend before Halloween is a good idea or a different day leading up to the holiday will work. Check to see when your community plans to hold trick-or-treating and try to schedule your event a different day.
Cost: Will you charge participants a fee to enjoy the Trunk-or-Treat? Or will the event serve as a fundraiser with donations going to a specific organization or cause?
Find your trunks: If you’re hosting the event at a school, see if the PTO or teachers want to participate. Or, recruit local businesses to participate. Just make sure you allow trunk participants enough time to come up with an idea, decorate their trunk and purchase candy or treats to pass out.
Safety First: On the day of the event, make sure trunk participants arrive at least an hour prior to the event start time. Have them set up, decorate their trunk and get ready for the children. If possible, it’s also a good idea to make sure families can park in a separate area away from the kids walking through the event space.
Think you’re ready to take on a trunk-or-treat event? Hopefully this list of tips will help you get started. And for other ways to make sure your Halloween is as safe as it is happy, check out these tips from Eriesense blog:
When you think about the costs of owning a car, what do you think of – the gas, maintenance or maybe insurance? Actually, depreciation is often one of the larger expenses of car ownership.
According to U.S. News & World Report, new vehicles lose value at an average decline of 15-25 percent each year during the first five years. And whether new or used, all vehicles lose value over time. Since the rate of depreciation varies by vehicle model, it’s a good idea to take resale value into consideration when shopping for your new ride.
According to the experts at Kelley Blue Book, picking a vehicle with excellent resale value is very likely the most important thing you can do when it comes to keeping costs down. Paying a fair price for the car and securing a good loan rate can be undone by poor resale value, because eventually you’re going to sell it or trade it in.
Cars that retain a higher value
If you’re car shopping this year, it appears that bigger vehicles are depreciating better. Trucks and SUVs appear in nine of the top 10 spots on the Kelly Blue Book 2017 Best Resale Value Awards. Per Kelley, while the average new vehicle will be worth about 33 percent of its original sticker price after 60 months, the top 10 vehicles on their list will return an average of 50 percent to their owners at resale time.
The Kelley authorities say that choosing a car with good resale value can often save you more money in the long run than going for big rebates and other incentives.
New cars that may lose value the quickest
To highlight the other end of the spectrum, Forbes magazine shared the results of a study conducted by the used-vehicle website Carlypso.com. Among the top 10 vehicles expected to have resale issues were the Nissan Leaf, Dodge Charger, Volkswagen Beetle, Mitsubishi Lancer and Kia Optima.
A little research goes a long way
When you’re ready to shop for your next vehicle, it will pay to do some research on resale value before making an investment. Whichever new (or used) car you choose, Erie Insurance can ensure that investment is protected with a great auto policy at a great price. And we can help you take care of the depreciation issue, too, with a coverage endorsement that provides true replacement value if you have an accident.
It’s called New Auto Security, and you can ask your agent to add it to your ERIE auto policy. If you’ve had your new car less than two years and it gets totaled, ERIE will reimburse you the cost to replace it with the newest model year. And if your new car is in an accident but it’s not a total loss, ERIE will pay to repair the vehicle without a deduction for depreciation.
If your vehicle is past its second birthday, ERIE will pay the cost to replace it with another vehicle of the same model that is two years newer. That means the coverage is good to have no matter what the age of your vehicle.
Reaching out to a local Erie Insurance agent is a good way to start your research. He or she can explain the coverage details and get you a quote.
A vehicle is considered new when it is less than two years old and is owned by the original purchaser. Eligible vehicles must carry both comprehensive and collision coverage, and the policy deductible will be applied at the time of a claim. Insurance products are subject to terms, conditions and exclusions not described in this post. The endorsement is sold on a per-vehicle basis, not per policy, and contains the specific details of the coverages, terms, conditions and exclusions. Coverage is not available in all states. Please refer to our disclaimer and talk to an ERIE agent for policy details.
DID YOU KNOW…according to GoBanking Rates, Indiana has the 5th lowest home insurance rates in the country….Not only do I have low rates – it’s low rates with fantastic coverage available like: Siding and Roof Restoration (no mismatched shingles or siding), Automatic Garage Door Malfunction, Underground Service Line Coverage, Equipment Breakdown and Criminal Defense Cost Reimbursement – Defense of Persons or Property (a must have for gun owners)….All Available on the ErieSecure Home® Select policy and much more. Call today (317) 420 2867 for your hassle free consultation. Or you can visit us on line at Scott Lynch Agency
*Indiana only, see ErieInsurance.com for licensure, these are optional endorsements on the Erie Secure Home® policy, not available in all states, see policy for details.