Michael Glick Insurance Agency ~ Boerne, TX
830-816-9488 ~ Business, Commercial, Auto, Home Life & Health Insurance, Boerne, Texas Boerne, TX
Phone: (830) 816-9488
Toll-free Phone: (800) 265-1201
Sun, 30 Sep 2012 10:15:00 -0700
According to the Federal Bureau of Investigation, an automobile is stolen in the United States approximately every 26 seconds. One in 200 people will be a victim of automobile theft with higher odds in urban areas. Depending on the make and model of your car, the likelihood of having your car stolen can increase substantially.
(1) 1995 Honda Civic
Unfortunately, for owners of this automobile, it has the highest incidence of theft in the past decade.
(2) 1991 Honda Accord
(3) 1989 Toyota Camry
(4) 1997 Ford F-150
The 1997 Ford F-150 has the highest incidence of theft over every other pick-up truck combined.
(5) 1994 Chevrolet 1500
(6) 1994 Acura Integra
(7) 2004 Dodge Ram Pickup
(8) 1994 Nissan Sentra
(9) 1988 Toyota Pickup
(10) 2007 Toyota Corolla
The National Insurance Crime Bureau (NICB) has recognized that although auto theft is declining, the above makes and model are continuously on the “most stolen” lists throughout the years. The obvious trend of the list is a mixture of makes and years. The reason for the variety is attributed to the likelihood that these automobiles are the “easiest” to steal without after-market anti-theft devices, and that the automobiles listed are stolen for the sole purpose of parts.
To prevent your automobile from theft, it is suggested to make your car unattractive to thieves. Install anti-theft devices, lock your doors, tint your windows and always park in well-lit parking lots. Never leave your automobile running and do not make the amateur mistake of using a magnetic key-holder in the undercarriage. Thieves always look for spare keys.
Mon, 20 Aug 2012 12:17:39 -0700
If you are like many people, you have probably wondered how to best organize and store your life insurance records. You should store all of your insurance policies, regardless of what type, in a fire-proof safe or safety deposit box. You can always keep copies of the originals in your regular files at home, but it is a good idea to keep the originals in a fire-proof safe or safety deposit box because they will have a much higher level of protection. It is critical (in case something happens to you) that the individuals who may ever need to access the policies, know about the policies, know where they are located, and are able to access them.
Life Insurance Policies Specifically
Many people have more than one life insurance policy, which can be because we have one or more through our employer, and/or because we have also obtained private policies or annuities. To keep your life insurance records organized and easy to locate, it’s a good idea to put all of your policies in one “life insurance” file and store it in either a safety deposit box or fire-proof safe with your other policies. You want to make sure that your life insurance records are safe and can be located easily because if something were to happen to you, the last thing you would want is for your beneficiaries to have difficulty locating such records while dealing with the stress of your passing.
As mentioned earlier, you should keep original policies in a fire-proof safe of safety deposit box, and keep copies at home or the home of a trusted individual. The reason for this is that you will have the originals well-protected, but will also now have copies of the policies in two different places. The purpose of this is to enable your beneficiaries to locate the necessary life insurance documents in the event of your passing, but is also designed to protect these important documents from being destroyed or lost due to fire, flood, theft, or another cause. With two sets of records, if one set of records was lost or couldn’t be located, there would still be another set.
For each life insurance policy and in each storage location, you should keep the following information:
The reason why you want to keep such detailed information about each policy is because you want to prevent your beneficiaries from having to deal with the unfortunate event of your passing and the additional stress that could result from any confusion or difficulty in verifying or locating policy. Keeping your policies organized and safe will provide you with this peace of mind.