How To Protect Yourself Against Lawsuit

A major cause for anxiety after an auto accident comes from the possibility of being sued for injury. As society becomes more litigious, even minor auto accidents can result in suit. After an accident is not the time to wonder if you have the correct coverage. Here are some things to consider:

• Structure your limits of liability in proportion to your asset level. If you are a homeowner, or have significant assets of other types, consult your agent as far as the appropriate level of liability protection on your auto policy. They will be able to advise as to the best way to protect you and your family.


• Consider extended liability coverage. In many circumstances, a stand alone excess liability policy can be written to augment coverage on your autos. Additionally, these policies often will extend beyond just the automobile policy to provide blanket liability coverage.


• If you're involved in an accident, do not admit fault at the scene to anyone! Often times statements given at the scene can end up in police reports, which will factor into any liability decision or suit. The best advice is to only describe what you saw from your point of view, and to report the accident right away to your agent.

Remember this above all: your insurance company has a duty to defend you against any suit or claim. This means if you are served with suit papers, contact your insurance company first. They will be responsible for defending any suit related to an auto accident.

Food Spoilage and Power Outages

Severe weather over the past week has left thousands of homes in our area without power in some cases for more than 24 hours. One of the unfortunate consequences of a long term power outage is that food in your refrigerator may be spoiled as a result.

While power outages under 4 hours should have no ill affect on most foods, outages beyond 4 hours can cause food to spoil rapidly. The USDA has a fantastic website which can provide tips on how to try and salvage food in the event of a power outage or flood, and also has a chart which gives you a useful primer on what to keep and what to discard from your refrigerator in the event of a long term loss of power. The chart and more information can be found at http://www.fsis.usda.gov/factsheets/keeping_food_safe_during_an_emergency/index.asp.

If you are one of the many who have been affected by this power outage, please check out the above link. And remember, if there is a question about whether or not something is still good, the old adage of "when in doubt, throw it out" is always a safe choice!

Boating Safety

With the mild spring (hopefully) behind us, and with warmer weather (hopefully) on the horizon, boating can be a fantastic way to spend a warm summer weekend. Between the Chain o' Lakes region and Lake Michigan, as well as various destinations in Wisconsin, there is no shortage of options for boating destinations.

While boating can be a fantastic experience for people of all ages, boating carries along with it the need to act responsibly both as a passenger and driver of a vessel. Here are some tips to stay safe on the water this summer:

• Always wear a life jacket. According to the US Coast guard, life jackets could have made a difference in 80% of boating fatalities.
• Do not, under any circumstances consume alcohol while operating a boat.
• Develop a float plan in case of emergency. A float plan is similar to a flight plan-it includes a description of your boat, who is on board, what safety equipment you have, and where and when you expect to be.
• Have your boat checked out by a licensed inspector prior to taking it out on the water.
• Take a boating safety course. The United States Coast Guard offers safety courses for various levels of experience. Go to http://www.uscgboating.org/safety/boating_safety_courses_.aspx for more information.

Driving or being a passenger on a boat is little different that being a driver or passenger of a vehicle, and while summer is a great time for fun, following basic safety steps can save the lives of yourself and any passengers out enjoying the water with you.

Should I File A Claim?

Often times, the question of whether or not a claim should be filed will be asked by our clients. As much as we'd like the answers to always be clear cut and straightforward, there are certain situations that may require a careful review of all of the different factors involved.

With auto insurance, looking at the facts surrounding an accident, the type of claim in question, and deductibles applicable can give us guidance on what direction to go. On a property policy, the type of claim and the severity of the damage can also dictate whether or not a claim is appropriate. With certain types of claims having the ability to impact premiums and even, in some cases, eligibility to continue a policy, it's often necessary to fully review the variables before making a decision to proceed.

Having an agent you trust, and an agency that knows the claim process in and out can make a massive difference in how a claim will be handled, or even if a claim is necessary and cost effective. An agent will be able to review your deductibles and any impact on your premiums as a result of filing a claim. If you choose to proceed, they can advise you how long you may be affected rate-wise, or if you are eligible for claim forgiveness packages and policies that they may offer. If you or someone you know is considering filing a claim, speak with your agent to review the facts of the situation. This can save you time and money both in the short and long term.

Travel Safely This Memorial Day Weekend

According to the Illinois State Police, there were 30 fatalities on the roadways during the 2009 Memorial Day weekend, and 757 people were injured. These are sobering, and preventable numbers.

Please remember that no matter how you decide to celebrate the long weekend, please celebrate responsibly. Don't drive distracted-avoid texting and calling, pre-program addresses into your GPS prior to leaving, and above all else, buckle your seat belt. Finally, do not allow any family members to drive while intoxicated.

Everyone at Havlic Insurance is excited for the holiday weekend, and we wish you and yours a safe and enjoyable time.

Tornado Preparedness

With the wave of severe weather striking the Tennessee Valley and Deep South, it's important to note that the United States has more tornadoes on average annually than any other nation on Earth (about 1,000 per year, according to NOAA). Here in the Chicago area, we are no stranger to severe storms in the summertime. While we aren't technically in "Tornado Alley", in the past our area has seen devastating tornadoes destroy millions in property, and take several lives.

With this in mind, now is a good time to discuss some tips for tornado preparedness.

• Look for the signs in the sky. Dark, greenish sky, large hail, and a load roar similar to a freight train are all signs that a tornado may be imminent.


• Seek shelter. If you are in a building, go to the basement, storm cellar or lowest below-grade level available. If there is not a below grade area, go to an interior room such as a closet or bathroom away from windows, doors and exterior walls.


• If you are in a vehicle, do not attempt to outrun the storm. Get out of your car and find a ditch or depression and cover your head and face. This will help shield you from flying debris.

Some of the wisest things you can do in a storm are discussed beforehand. Discuss a meeting place with your family in case you are separated before or during the storm that can act as a rallying point. Keep bottled water, batteries for radios and canned food in case utilities are knocked out for any length of time. Keep a basic first aid kit. Make sure mobile phones are charged, and have an evacuation plan in case of any long term damage to your home.

Remember, being prepared for the worst can be the best way to avoid panic when disasters of any time strike

How To Choose A Contractor

Whether or not you're faced with a sudden and accidental loss, or beginning a home remodeling project, one of the most critical decisions you will make is how you go about choosing a contractor to handle the job. While most contractors are reputable, a few bad apples can make the entire bunch seem rotten. Here are some tips when searching for a contractor:

• Go local. Choose someone who has been in the area for several years and has local roots and ties. Try to avoid companies that set up shop on a seasonal basis-they have little incentive to stand behind their work if they are going to move on to another area in a few months.


• Make sure your contractor carries the correct liability insurance and workers compensation. If a contractor does not carry, or says they do not need general liability insurance, stay away. If they then damage your home through carelessness or poor workmanship, you may be left with no recourse. If a worker is injured, you may be responsible for their injuries and medical bills.


• Ask for referrals. Sites such as AngiesList.com can be invaluable resources when looking for feedback, as can the recommendations of friends and neighbors.


• After choosing your contractor, make sure you have a clear plan and contract in place that outlines schedules for construction, completion and payment.

Repairs to your home-be they claim related or just a project-can be stressful enough, but by taking care to select the best people to manage the process, they can go by much more smoothly.