Beginning January 3, 2012, all commercial drivers - including truck and bus drivers - are banned from using hand-held and push-to-talk cell phones while behind the wheel, affecting an estimated 4 million commercial drivers. The new rule from the Department of Transportation prohibits commercial motor vehicle drivers from holding, dialing, or … [Read more...] about Nationwide Cell Phone Ban
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Since we first saw the animated sitcom, The Jetsons, we’ve been waiting for a flying car to become a reality. While not quite as “Hollywood” as the AMC Matador Coupe used in the 1974 flick The Man With the Golden Gun, the construction, testing and certification of a next generation design is now underway. The first customer delivery of the … [Read more...] about Insuring Flying Cars
Home fires caused 2,565 deaths (not including firefighters) and almost $7.8 billion in damage in 2009, according to the National Fire Protection Association (NFPA). While it’s impossible to completely prevent fires, there are several measures you can take to protect your family, home and valuables from the flames. Check smoke and carbon monoxide … [Read more...] about Fight the Flames: Seven Hot Tips for Protecting Your Home from Fire
Here at Cheney Insurance Agency (CIA), we have several operational habits we are holding on to quite tightly, especially during this period of rapid change and constant technological advances. One of these is our tendency to send out regular hand-written note cards to friends, clients, prospects, vendors, and others. We all know it is a good … [Read more...] about CIA Operational Tidbit: Hand Written Note Cards
You won't hear this just anywhere, but in our office this very important task is managed by -- our receptionist. Actually (and this is quite surprising), most insurance agencies have no formal process in place for monitoring the financial ratings of the companies they represent. That means other agents can easily allow a ratings downgrade to … [Read more...] about Who Watches The Financial Ratings For Your Insurance Company?
We really do have an amazing staff at Cheney Insurance. They are very good at their jobs, they are knowledgeable and professional, and they all work hard (and our office can be quite a busy place!) Believing quite strongly that we need to take time periodically to just have some fun, we scrapped our normal biweekly staff meeting this morning, … [Read more...] about Taking Time For A Little Fun
In my last blog post, I explained how our licensed agents use their binding authority to provide instant insurance coverage for our clients in certain situations. When our area is subject to a Hurricane or Tropical Storm Watch or Warning however, things go the other way. Because we are within 250 miles of a coastline, each year as hurricane … [Read more...] about Can You Buy Home Insurance During a Hurricane?
At Cheney Insurance we have a staff of eleven very talented people--including seven licensed insurance agents. The licensed agents each have special binding authority extended to them by the insurance companies we represent--those whose insurance policies we sell. This "authority" carries significant responsibilities, and is the mechanism by … [Read more...] about What Does Our “Binding Authority” Mean To You?
Trusted Choice is a national brand created by the Independent Insurance Agents and Brokers of America to help differentiate their members—typically smaller, locally-owned insurance agencies like Cheney Insurance—from larger direct-writing insurance companies such as GEICO and State Farm. When the Maine Insurance Agents Association decided to … [Read more...] about WCSH6 TV Ad Urges Viewers To Consider a Trusted Choice Agent
My previous blog post about dog bite claims mentioned a scenario where an insureds home liability coverage might be exhausted by a large claim, leaving the homeowner stuck with the balance--a truly unfortunate mess. How do you protect yourself from the worst-case scenario? Most folks turn to a personal liability umbrella policy, which we highly … [Read more...] about Should You Have a Liability Umbrella Policy?
Dog bites accounted for more than one-third of all homeowners insurance liability claims paid out in 2010, costing nearly $413 million, acording to the Insurance Information Institute (III). The average dog bite claim was $26,166 in 2010, up 5.3% from $24,840 in 2009. From 2003 to 2010, the cost of these claims has risen nearly 37%. Homeowners … [Read more...] about Dog Bite Claims Rising
The 1950 census showed that eight in 10 households were occupied by married couples. Fifty years later, the 2000 census data showed that number had declined to just over 50%, signifying a dramatic change in the typical American household. The more recent data says that almost half of households are occupied by a single individual, roommates, or … [Read more...] about Auto and Home Insurance for Unmarried Couples