Tuesday, December 14, 2010

Christmas Tree Safety - Merry Christmas

Make this Christmas is a great one but don't forget to be safe with your Christmas Tree. Make sure it's moist. Make sure your electrical circuits are not overloaded. Consider using timers to save money and to limit chance of fire. If you live in an older home pay attention to fuse boxes or circuit breakers. Don't forget to have a great time with friends and family this Christmas!!

Wednesday, December 1, 2010

Department of Nevada Motor Vehicles Dept. Website

When you GOOGLE search DMV you receive many unofficial websites and in Nevada our official DMV website is a dot com. The DMV of Nevada website is http://www.dmvnv.com/.

Sunday, September 26, 2010

Buying Auto Insurance Local Versus Online

When you watch television and/or listen to radio advertisements about automobile insurance you hear a lot about saving money and little about value. The reality is the best of both worlds is waiting at your local independent insurance agency (www.ardentinsurance.com). As a Trusted Choice independent insurance agency our goal is to obtain the best insurance deal for your situation. In most cases we are simply matching the clients needs with the insurance company wants. Everyone wins. The insured obtains a great price, the right coverage, and someone to talk to if (some would say when) challenges arise. It's a long term relationship versus dating concept.

So next time you see or hear the advertisements about price go one step further and look for the best value. Call (775-284-8200) your independent insurance agency to discuss your options.

Monday, August 2, 2010

Automobile Collision Deductible

Automobile collision coverage provides you protection in the event of physical damage to your own automobile (other than that covered under comprehensive insurance) resulting from collision with another inanimate object. Your deductible is the amount of money that you must pay out of your pocket before being reimbursed from the insurance company. The deductible is usually set as a fixed dollar amount. Such as: $250, $500, $1,000, $2,000 etc. The higher your deductible the larger the discount the insurance company will offer. Choosing higher deductibles is a strategy that allows you to save money on your insurance by SELF insuring smaller losses (loss amounts less than your deductible).

Tuesday, July 27, 2010

Comprehensive Insurance Deductible

What is a comprehensive auto insurance deductible? Answer: Comprehensive is also sometimes referred to as “other than collision” since it pays for damages to your vehicle caused by perils other than a collision. For example comprehensive insurance covers damage to your car if stolen, damaged by animals, fire or flood.

Tuesday, June 29, 2010

Link: Faced with a loss - NV DOI

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Tuesday, June 15, 2010

Living With FIre Link

Check out this link (please copy and paste):

Saturday, May 22, 2010

Reprint: Nevada Insurance Chief Quits; Assistant Named Acting Commissioner

May 13, 2010

Nevada Insurance Commissioner Scott Kipper resigned from the Nevada Division of Insurance after less than 17 months on the job, saying, "It's just time for a change."

Kipper's resignation is effective June 2. He started work in Nevada on Dec. 29, 2008, two months after resigning as Oregon's chief insurance regulator (BestWire, Jan. 13, 2009). He served for one year in Oregon after a stint as a deputy commissioner for the Louisiana Department of Insurance. Aside from taking some time off, Kipper is uncertain about his future prospects. He said he will be seeking other opportunities as a regulator, elsewhere in the insurance business or out of insurance altogether.

Kipper praised the Nevada insurance division staff and the state's "pro-business" climate. "The environment here is very good for insurers. It made it very easy to do my job," he said. "I think we struck a good balance."

While praising his predecessors for starting the effort, Kipper said he is proud of Nevada's surge in captive registrations (BestWire, Jan. 4, 2010). The state is now the fourth-largest captive domicile in the nation "with a bullet," he said.

Prior to his Louisiana post, Kipper was senior regional director of state affairs for America's Health Insurance Plans and as a government relations manager for General Electric Capital Assurance Co. He also worked as a health analyst for the National Association of Insurance Commissioners and spent 10 years in Wyoming state government and industry (BestWire, Oct. 17, 2010).

The Department of Business & Industry, which includes the insurance division, has launched a nationwide search for a new commissioner, Director Dianne Cornwall said. Chief Insurance Assistant Brett Barratt, the division's former counsel and hearing officer, will serve as acting commissioner.

Kipper succeeded Alice Molasky-Arman, the longest-serving insurance commissioner in Nevada history. Molasky-Arman joined Nevada-domiciled Western Insurance Co. as senior vice president of government relations, one month after retiring from the post she held through the tenure of three governors (BestWire, Oct. 31, 2008).

(By Sean P. Carr, Washington Correspondent: sean.carr@ambest.com)

Tuesday, May 11, 2010

Solvency: The Ultimate Consumer Protection Reprint http://www.doi.state.nv.us/

KipperWith health care reform at the forefront of national debate lately, the Division of Insurance has been receiving numerous inquiries regarding the how, what and why of rate approvals for health insurance policies.

These questions are important to ask, and, as public servants, we are happy to continue to be a valuable resource on this topic. But I would also like to take a moment here on our Web site to shed some light on not just our recent review of rate approval requests, but the concept at the core of everything we do at the Division of Insurance: consumer protection.

Included in the Division's mission are our duties to protect the rights of Nevada insurance consumers and to ensure the financial solvency of insurers. What many people don't realize, however, is that these concepts go hand in hand.

When we approve an insurance company's rate adjustment requests, we take great care to make sure those rates are within the scope needed for that company to stay financially healthy, so it can continue to make good on its promises to consumers -- not just in the immediate future, but for years to come. Our highly skilled staff closely reviews all requests for rate changes so that companies will remain solvent and insurance will remain available and accessible for all Nevadans. We provide efficient and responsive regulation that encourages the competition necessary for consumers to have choices when shopping for all lines of insurance.

Currently we have more than 2,000 insurance companies licensed to do business in Nevada, and we are very proud of that fact. Insurance is an ever-evolving, growing and changing industry, and one about which we are very knowledgeable and passionate about. And we are always happy to share that knowledge and passion with you. We're here for you.

Saturday, May 8, 2010

When faced with a loss - Reprint

How You Can Make the Claims Process Easier
Important, but sometimes difficult, filing a claim can be one of the most frustrating processes during a crisis or following a major disaster. Delays in the claims process was the No. 1 complaint of insurance consumers in 2007, according to the National Association of Insurance Commissioners (NAIC). It is critical that at these times, you are prepared with the information your insurance company needs. To help you avoid problems getting your claims paid, we offer these tips:
Know Your Policy
Understand what your policy says. The policy is a contract between you and your insurance company. Know what's covered, what's excluded and what the deductibles are.
File Claims as Soon as Possible
Don't let the bills or receipts pile up. Call your agent or your company's claims hotline as soon as possible. Your policy might require that you make the notification within a certain time frame.
Provide Complete, Correct Information
Be certain to give your insurance company all the information they need. Incorrect or incomplete information will only cause a delay in processing your claim.
Keep Copies of all Correspondence
Whenever you communicate with your insurance company, be sure to keep copies and records of all correspondence. Write down information about your telephone and in-person contacts, including the date, name and title of the person you spoke with and what was said. Also, keep a record of your time and expenses.
Ask Questions
If there is a disagreement about the claim settlement, ask the company for the specific language in the policy that is in the question. Find out if the disagreement is because you and the insurance company interpret your policy differently. If this disagreement results in a claim denial, make sure you obtain a written letter explaining the reason for the denial and the specific policy language under which the claim is being denied.
Don't Rush into a Settlement
If the first offer made by an insurance company does not meet your expectations, be prepared to negotiate to get a fair settlement. If you have any questions regarding the fairness of your settlement, seek professional advice.
Auto and Homeowners Claims
Auto and homeowners policies might require you to make temporary repairs to protect your property from further damage. Your policy should cover the cost of these temporary repairs, so keep all receipts. Also, maintain any damaged personal property for the adjuster to inspect. If possible, take photographs or video of the damage before making temporary repairs.
Other Tips for Filing Auto or Homeowners Claims:

* Don't make permanent repairs. An insurance company may deny a claim if you make permanent repairs before the damage is inspected.
* If possible, determine what it will cost to repair your property before you meet with the claims adjuster.
* Provide the claims adjuster with records of any improvements you made to your property.
* Ask the claims adjuster for an itemized explanation of the claim settlement offer.

Accident and Health Claims
Ask your physician to provide your insurance company with details about your treatment, medical conditions and prognosis.

If you suspect a provider is overcharging, ask the insurance company to audit the bill and verify whether the provider used the proper billing procedure.
Contact Your State Insurance Department
If you have an issue with your insurer about the terms of the claim settlement, you should contact the Nevada Division of Insurance Consumer Services Section for assistance. In Northern Nevada, please call (775) 687-4270; in Southern Nevada, please call (702) 486-4009.

For more information about auto, home and health insurance options, and tips for choosing the coverage that is right for you, visit the NAIC’s consumer resource, www.insureUonline.org.

Thursday, May 6, 2010

Distracted Driving Link

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Monday, May 3, 2010

Consumer TIps Link - SAFECO

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Thursday, April 22, 2010

Healthcare gap lessened for to-be college grads

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Wednesday, April 14, 2010

What Alarms Americans Most About LTC (Long Term Care)?

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Tuesday, March 30, 2010

Is in-flight theft, on the rise?

In a tough economy there are more people attempting to steal your high-value personal items. It is easy for criminals to spot items if passengers take things out in the full view of the isle, and then put them away in overhead compartments. Thieves take opportunities during the flight while passengers are sleeping or away from their seats (especially during trans-continental or red-eye flights). Criminals seize opportunities to remove items that they can get quickly, from overhead bins, and then casually disembark the plane with your valuables.

Personal items such as lap tops, electronics, designer bags, expensive jackets, cameras, passports, etc., should be kept at your feet during a flight. If you have items they must put in the overhead compartment, place them in larger locking case or bag. It is important that you have a strategy before air travel to protect yourself from theft. Check your bags before you leave the plane and report missing items immediately. Your chances of recovery are much better than if you report the loss once you have left the plane or the airport.

From an insurance standpoint many of these items may cost enough to matter, let’s say $400.00 to replace. But are less than your deductible on your homeowners or renters policy. As insurance agents we typically hear about these items after the loss, but the best time to think about protecting your personal items is before someone as the chance to steal them from you.

For more information call us at 775-284-8200 or visit us at http://www.ardentinsurance.com.

Saturday, March 20, 2010

Shop for auto insurance 14 days early and save!

Most auto insurance companies we represent offer a discount for people who plan ahead. It's called the advance quote discount and with some companies the discount keeps on giving after the first renewal.

So if you want to save money on your auto insurance call us about 14 days before you need your insurance auto policy to start (effective date). Call Kevin or Tammy at 775-284-8200 fourteen days before you need your auto insurance and start saving today!

Tuesday, March 9, 2010

Do you have people?

In our fast paced world, we sometimes forget the importance of having access to people that work for US. Isn’t it a good feeling to be able to delegate important tasks that we are either too busy to handle, or feel uncomfortable handling to a trusted advisor?

As independent insurance agents, our top priority is to be available to our clients when they need us. The insurance companies we represent are limited as to providing guidance or answering certain questions without taking action. For instance, because of government regulation or other legal requirements, the insurance company may not be able to discuss options pertaining to filing a claim, without actually placing the claim.

When we make a decision to cut “our people”, such as buying insurance on line without an agent, we need to ask ourselves:
1. Does this choice really save me time?
2. Will this action better my situation in the long run?
3. Is eliminating my people (important resources) the best way to proceed?
4. Now that I’m in charge, who will watch my back?

As we get older and wiser, most of us realize that managing both our TIME and our MONEY can be a challenge. Maybe the best option is to meet with your insurance agent to review coverage and devise future strategies for better protecting your risks at the lowest cost to you.

So do yourself a favor and think long and hard before you remove an important local resource from your life. This way the next time you need help or are asking yourself, “Am I covered?,” you can say to yourself, “I have people, they work for me and I can give them a call.”

Saturday, February 20, 2010

First Dollar Defense Endorsement

The definition of First Dollar Defense: "Provides coverage for defense expenses related to a claim from the first dollar. Allows the deductible to be applied to the loss only."

This endorsement should be considered for high deductible professional errors and omissions liability insurance deductibles to preserve out of pocket defense if your organization is named in a lawsuit. In most cases your deductible is required only if you company is liable for the damages.

This endorsement may offer your organization protection against frivolous lawsuits.

Wednesday, February 10, 2010

Reprint: 9 Ways To Lower Your Auto Insurance Costs

Insurance Information Institute

Cover of the publication 9 Ways to Lower Your Auto Insurance Costs

One of the best ways to keep your auto insurance costs down is to have a good driving record.

Listed below are other things you can do to lower your insurance costs.

1. Shop Around

Prices vary from company to company, so it pays to shop around. Get at least three price quotes. You can call companies directly or access information on the Internet. Your state insurance department may also provide comparisons of prices charged by major insurers. (State insurance department phone numbers and Web sites can be found here.)

You buy insurance to protect you financially and provide peace of mind. It's important to pick a company that is financially stable. Check the financial health of insurance companies with rating companies such as A.M. Best (http://www.ambest.com) and Standard & Poor’s (http://www.standardandpoors.com/) and consult consumer magazines.

Get quotes from different types of insurance companies. Some sell through their own agents. These agencies have the same name as the insurance company. Some sell through independent agents who offer policies from several insurance companies. Others do not use agents. They sell directly to consumers over the phone or via the Internet.

Don't shop price alone. Ask friends and relatives for their recommendations. Contact your state insurance department to find out whether they provide information on consumer complaints by company. Pick an agent or company representative that takes the time to answer your questions. You can use the checklist on the back of this brochure to help you compare quotes from insurers and on the same coverage.

2. Before You Buy a Car, Compare Insurance Costs

Before you buy a new or used car, check into insurance costs. Car insurance premiums are based in part on the car’s sticker price, the cost to repair it, its overall safety record, and the likelihood of theft. Many insurers offer discounts for features that reduce the risk of injuries or theft. These include daytime running lights and anti-theft devices. To help you decide what car to buy, you can get information from the Insurance Institute for Highway Safety (www.iihs.org).

3. Ask for Higher Deductibles

Deductibles are what you pay before your insurance policy kicks in. By requesting higher deductibles, you can lower your costs substantially. For example, increasing your deductible from $200 to $500 could reduce your collision and comprehensive coverage cost by 15 to 30 percent. Going to a $1,000 deductible can save you 40 percent or more. Before choosing a higher deductible, be sure you have enough money set aside to pay it if you have a claim.

4. Reduce Coverage on Older Cars

Consider dropping collision and/or comprehensive coverages on older cars. If your car is worth less than 10 times the premium, purchasing the coverage may not be cost effective. Auto dealers and banks can tell you the worth of cars. Or you can look it up online at Kelley’s Blue Book (http://www.kbb.com). Review your coverage at renewal time to make sure your insurance needs haven’t changed.

5. Buy your Homeowners and Auto Coverage from the Same Insurer

Many insurers will give you a break if you buy two or more types of insurance. You may also get a reduction if you have more than one vehicle insured with the same company. Some insurers reduce the rates for long-time customers. But it still makes sense to shop around! You may save money buying from different insurance companies, compared with a multi-policy discount.

6. Maintain a Good Credit Record

Establishing a solid credit history can cut your insurance costs. Insurers are increasingly using credit information to price auto insurance policies. To protect your credit standing, pay your bills on time, don't obtain more credit than you need and keep your credit balances as low as possible. Check your credit record on a regular basis and have any errors corrected promptly so that your record remains accurate.

7. Take Advantage of Low Mileage Discounts

Some companies offer discounts to motorists who drive a lower than average number of miles a year. Low mileage discounts can also apply to drivers who car pool to work.

8. Ask about Group Insurance

Some companies offer reductions to drivers who get insurance through a group plan from their employers, through professional, business and alumni groups, or other associations. Ask your employer and inquire with groups or clubs you are a member of to see if this is possible.

9. Seek Out Other Discounts

Companies offer discounts to policyholders who have not had any accidents or moving violations for a number of years. You may also get a discount if you take a defensive driving course. If there is a young driver on the policy who is a good student, has taken a drivers education course or is at a college out of the area without a car, you may also qualify for a lower rate.

State Insurance Departments and Web sites

When you comparison shop, inquire about discounts for the following:*

[ ] $500 deductible
[ ] $1,000 deductible
[ ] More than 1 car
[ ] No Accidents in 3 Years
[ ] No Moving Violations in 3 Years
[ ] Driver Training Courses
[ ] Defensive Driving Courses
[ ] Anti-Theft Devices
[ ] Low Annual Mileage
[ ] Air Bags
[ ] Anti-Lock Brakes
[ ] Daytime Running Lights
[ ] Student Drivers with Good Grades
[ ] Auto and Homeowners Coverage with the Same Company
[ ] College Students away from Home
[ ] Long-Time Customer
[ ] Other Discounts

The key to savings is not the discounts, but the final price. A company that offers few discounts may still have a lower overall price.

*The discounts listed may not be available in all states or from all insurance companies.

For more information, call the National Insurance Consumer Helpline (NICH) at 1-800-942-4242

Reviewed by:

Consumer Federation of America

Federal Citizen Information Center

National Consumers League

Cooperative State Research, Education, and Extension Service, USDA

Insurance Information Institute
110 William Street
New York, NY 10038
(212) 669-9200

Reprint: Nevada's new DMV insurance requirement goes into effect Monday

By Steve Timko • stimko@rgj.com • January 30, 2010

Beginning Monday, the state of Nevada will require people registering a vehicle at the Department of Motor Vehicles to present a card that proves they have car insurance.

Technically, people will be required to have proof Monday for vehicle registration renewals, reinstatements and license plate changes done on the Web or at a DMV kiosk, but problems getting software written has delayed implementation there until March 15, DMV spokesman Kevin Malone said.

The DMV's new Nevada LIVE program will capture insurance information at registration and instantly confirm it with insurance companies, the DMV said in a statement.

Done at a cost of $378,000, it replaces the old program of insurance companies reporting policy information on mailed data tapes or data cartridges, which led to delays in verification.

"We're going to get your policy information up front and validate it instantly," DMV Director Edgar Roberts said. "This will be a win for everyone ­-- except the uninsured motorist."

Kelly Block, 75, had an experience with an uninsured driver Dec. 1 at her southwest Reno home.

The driver of a BMW was trying to flee police and slammed into a 40-year-old tree in her yard.

The driver fled and was found three days later. Block called his insurance company, but they said his insurance expired the day before.

Block was only on the hook for the $250 deductible to clean up the mess, but said if others don't obey the law and carry insurance then law-abiding citizens like herself have less incentive to do so.

The Nevada DMV said Nevada LIVE, short for Nevada Liability Insurance Validation Electronically, also will be available to law enforcement and the courts to confirm car insurance is valid.

The DMV said the new system should ensure fewer drivers are uninsured.

Reprint: NU Online News Service, Jan.21, 11:56 a.m. EST

Nevada’s Insurance Commissioner Scott Kipper said he has approved an average decrease of 7.6 percent for workers’ compensation insurance rates.

He also announced a 3.7 percent average decrease for workers’ comp assigned risk rates.

The filing was submitted by the National Council on Compensation Insurance, Inc. (NCCI). The changes are effective March 1, and will apply to risks as of their anniversary rating dates.

Mr. Kipper’s announcement said the reduction, specifically a reduction in loss costs, is based upon Nevada employers’ experience and future projections. NCCI loss cost is only one component of the rates charged by insurers.

Each insurer must file a loss cost multiplier that is used to determine final workers’ compensation rates.

More information regarding the filing, including links to the Assigned Risk Rates and Advisory Loss Costs are on online at the new Property and Casualty Workers’ Compensation section of the Division’s our web site http://doi.nv.gov/spc/workerscomp.aspx.

About Me

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6119 Ridgeview CT #500, Reno, NV 89519, 775-284-8200 or kevin@ardentinsurance.com., United States
http://www.ardentinsurance.com College BS in Business Administration (University of Nevada, Reno) 1987. Independent Farmers Insurance Agent 1987-1997; Part time financial sales positions 1997-1999; Co-founder and President of ClientFlex Corporation 1999-2004; Lucini/Parish Insurance 2004-2005; Co-founded (with Tammy Brunson) Ardent Insurance LLC (2005-2007); Changed entity to Ardent Insurance Inc (2006-present). Insurance Designations: LUTCF. Insurance Affiliations: Big I (Independent Insurance Agents of America); Trusted Choice Approved Agency; Professional Insurance Associates, Inc. (Affiliate); Local Business Associations: Northern Nevada Insurance Agents - Member; Community Associations: Northern Nevada Endurance Training - Active Member.