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October 14, 2011
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Shun Those Cell Phones While Driving

Shun Those Cell Phones While Driving More than 20 percent of injury crashes in the United States involve reports of distracted driving, according to the National Highway Traffic Safety Administration (NHTSA). Of those killed in distracted-driving related accidents, 18 percent involved the usage of a cell phone. Another study indicates that using a cell phone while driving, whether it is a hand-held or hands-free device, delays a driver’s reactions as much as having a blood alcohol concentration at the legal limit of .08 percent. Cell phones, and particularly smart phones, are considered one of the leading driver distractions. As a result, more and more communities are placing restrictions on drivers’ use of cell phones. The following tips are offered to motorists with regard to cell phone use in vehicles. You should wait until the car trip is complete before placing a call. Your cell phone’s voicemail feature should answer a call while you are driving. Absolutely essential calls should only […]
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August 19, 2011
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Big Changes Coming For Your Ex Mod Factor

NCCI has recently announced some news that will have an impact on how your NCCI experience modification factors are calculated. For the first time since 1993 NCCI will be adjusting the Spilt Point. Remember, the experience rating modification is affected by small losses more than by large ones because small losses are more frequent and predictable than large losses. The portions of all losses that are $5,000 (split point) or less, which are termed “primary losses”, have the greatest influence in determining the experience modification. Losses in excess of $5,000 go into the “excess losses”.     Every loss is divided into a primary and excess portion. Since small losses – those less than the split point – have NO excess value, primary losses work as an indicator of loss frequency. For example, three $3,000 losses yields $9,000 in primary and $0 in excess. Since large losses – those over the split point – always generate some excess value, they work as […]
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April 23, 2011
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Welcome to our new website!

We are pleased to introduce our new website. A lot of time and effort went into our new site and we are pleased with the results. Snitily Carr did a wonderful job with this and we are excited about how this site will benefit our clients. We have added blogs, social media links, video testimonials and more resources for you. We will be expanding our You Tube page as well to feature videos on a wide variety of insurance subjects especially focused on workers’ compensation. We welcome your feedback on the new site and if you would like to see something added let us know.
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