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	<title>Statewide Insurance Group, Inc. &#187; Safety</title>
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		<title>The Science Behind Stopping Power</title>
		<link>http://statewideinsurancenc.com/blog/2012/01/the-science-behind-stopping-power/</link>
		<comments>http://statewideinsurancenc.com/blog/2012/01/the-science-behind-stopping-power/#comments</comments>
		<pubDate>Wed, 04 Jan 2012 20:53:55 +0000</pubDate>
		<dc:creator>Benji Riggins</dc:creator>
				<category><![CDATA[Safety]]></category>
		<category><![CDATA[auto ins]]></category>
		<category><![CDATA[auto safety]]></category>
		<category><![CDATA[brake failure]]></category>
		<category><![CDATA[brakes]]></category>
		<category><![CDATA[car ins]]></category>
		<category><![CDATA[car safety]]></category>
		<category><![CDATA[driving safety]]></category>
		<category><![CDATA[insurance agency]]></category>
		<category><![CDATA[insurance agent]]></category>
		<category><![CDATA[stopping power]]></category>
		<category><![CDATA[vehicle ins]]></category>

		<guid isPermaLink="false">http://statewideinsurancenc.com/blog/?p=883</guid>
		<description><![CDATA[Brake Failure Investigations Many drivers can recall a near miss saved by the quick application of brakes, while a smaller number remembers pounding the brake pedal too late and crashing. What does this subset have in common? Significant numbers of them will blame their accidents on brake failure. Most of them will be wrong. The [...]]]></description>
			<content:encoded><![CDATA[<p>Brake Failure Investigations</p>
<p>Many drivers can recall a near miss saved by the quick application of brakes, while a smaller number remembers pounding the brake pedal too late and crashing. What does this subset have in common? Significant numbers of them will blame their accidents on brake failure. Most of them will be wrong.</p>
<p>The reality is drivers judge distances poorly, especially when traveling at freeway speeds. Typically, they have no idea how their brakes behave in critical situations and consequently believe crashes result from mechanical malfunction, when in truth their brakes performed as designed, but their following distances were too short for their speeds. The standardization of electronically controlled antilock braking systems (ABS), which prevent wheel lockup and skidding during heavy braking, has compounded the problem because ABS can make strange grinding noises when it activates, leading untutored drivers to suspect braking issues. When coupled with a human tendency to avoid blame, brake failure becomes the commonplace excuse for many crashes.</p>
<p>As a result, a significant percentage of the workload for forensic automotive investigators is brake-failure examinations. Despite the frequency of the claims, actual malfunctions in these complex systems are rare, although they can happen. Investigation requires the input of a trained automotive specialist who knows where to look for problems in braking components to find the telltale evidence of failure. Often issues associated with neglectful maintenance by owners impede brake function, especially when optimal performance is required.</p>
<p>Brake Physiology</p>
<p>In a typical automotive disc-brake system, when the driver depresses the brake pedal, that pressure is transferred to a system of fluid-filled brake lines. The fluid then transmits the pressure to the calipers, clamping the brake pads against the brake rotors, which are attached to the wheels. The friction generated between the pad and the rotor provides the force that stops the vehicle. Loud squeaking from the brakes when applied usually signals brake pads that are reaching the end of expected use. </p>
<p>Wear and Tear</p>
<p>Pad or shoe wear from normal usage is the most common brake maintenance issue, and examining the parts of the braking system is typically the first step for a forensic investigator. He or she will look for unusual wear in the pads or shoes. That effort entails removing the vehicle’s wheels to access the brake pads and may require removing the pads for more precise measurement.</p>
<p>When an investigator removes the brake pads, he can also inspect the pad surface. A smooth, reflective quality may indicate “glazing” caused by overheating, which decreases stopping power. Overheating may also result in brake rotor discoloration, and is usually caused by excessive brake “riding” by the driver.</p>
<p>Less commonly, brake failures may be caused by excessive rotor or drum wear. With the wheels removed for the pad inspection, the brake rotors or drums can then be checked for thickness, diameter, and warping to ensure that they are within manufacturer specifications. Rotors and drums need replacement less frequently than pads and shoes, but excessive wear can contribute to brake failure, especially if the pads or shoes are similarly worn.</p>
<p>Examining Fluid Issues</p>
<p>In a typical hydraulic brake system, a brake fluid leak can result in complete brake failure if the fluid level drops too low. Such leaks can develop from excessive wear because of vibration or age, or from collision or roadway hazard damage. For example, an investigation of a suspected brake failure in a medium-duty truck that sustained significant crash damage in a freeway accident revealed that the truck had a brake-line design that allowed the primary fluid lines to rub against one another. The constant friction of the rubbing lines culminated in a sudden fluid leak and a complete loss of braking power.</p>
<p>Inspection for fluid leaks is simple and should be done by mechanics as part of routine maintenance. A forensic investigator examining a crashed vehicle will have little trouble spotting a leak, but determining its cause may be more complex, sometimes requiring laboratory examination with advanced equipment.</p>
<p>Another fluid-related cause of brake failure is the introduction of small air bubbles into the brake lines. Air bubbles occur when overheating brake fluid reaches the boiling point (brake fluid ages and has a limited usage life) or a slow leak allows air into the system. (A boiling point or other chemical test can determine if the vehicle’s brake fluid has exceeded its useful life.) The resulting bubbles interfere with the brake system’s ability to transmit braking force to the wheels, causing the brake pedal to feel softer than normal and making it very difficult to apply maximum braking effort.</p>
<p>Such a condition can contribute to an accident if a driver does not have sufficient stopping distance when facing a hazard. Once again, the way to avoid failures because of tainted or deficient fluid brake failures is proper preventative maintenance practices by the vehicle owner. This may include changing the brake fluid in accordance with manufacturer recommendations and regular brake bleeding to eliminate any air introduced into the system.</p>
<p>Potential Mechanical Problems</p>
<p>The most unexpected cause of brake failure that investigators may encounter is a mechanical failure in the brake pedal assembly. In rare cases it is possible for the master cylinder (the component that distributes the brake pedal force to the wheels) to become detached from the pedal linkage. This condition is immediately obvious to an inspecting investigator, so the real item of interest will be pinpointing the cause of the linkage failure, whether it is rust, tampering, or metal fatigue.</p>
<p>Tapping Accident Data</p>
<p>Increasingly, crash data retrieved from a damaged vehicle’s event data recorder (EDR) is providing useful insight to accident investigators. If the module is accessible in a brake failure examination and has collected the crash event data, then the forensic investigator can gain insight about driver actions in the seconds that preceded and followed impact. A brake failure allegation could wither away if that data reveals that the driver never engaged the brakes prior to a collision. More likely, the data will deliver the context that will guide the further investigation of a brake failure allegation.</p>
<p>Perhaps the record will show that the driver was not speeding and applied the brakes suitably, but did not stop quickly enough to avert disaster. That could open the possibility of a brake problem that should be identified in the claims resolution process.</p>
<p>A brake failure from a maintenance issue could implicate a repair shop, thus identifying a subrogation opportunity, whereas an original equipment failure could result in a product liability action.  </p>
<p>Managing Brake Failure Claims</p>
<p>While brake failure is probably the most common excuse for a crash, cumulative experience shows that driver error probably trumps actual brake malfunctions as the primary cause of accidents because of braking issues. Although it is easy to be swayed by a dramatic recitation of the crash story, if there is any doubt about the logic or sense of the event sequence, consult an automotive expert.  </p>
<p>By Ryan L. Devine, Gregory J. Quan</p>
<p>December 16, 2011</p>
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		<title>Want to Reduce Cyber Risk? Avoid These 25 Worst Passwords of 2011</title>
		<link>http://statewideinsurancenc.com/blog/2011/12/want-to-reduce-cyber-risk-avoid-these-25-worst-passwords-of-2011/</link>
		<comments>http://statewideinsurancenc.com/blog/2011/12/want-to-reduce-cyber-risk-avoid-these-25-worst-passwords-of-2011/#comments</comments>
		<pubDate>Sat, 31 Dec 2011 17:30:10 +0000</pubDate>
		<dc:creator>Benji Riggins</dc:creator>
				<category><![CDATA[Safety]]></category>
		<category><![CDATA[auto ins]]></category>
		<category><![CDATA[car ins]]></category>
		<category><![CDATA[cyber safety]]></category>
		<category><![CDATA[home ins]]></category>
		<category><![CDATA[homeowners ins]]></category>
		<category><![CDATA[insurance agency]]></category>
		<category><![CDATA[insurance agent]]></category>
		<category><![CDATA[password]]></category>
		<category><![CDATA[password safety]]></category>
		<category><![CDATA[security]]></category>

		<guid isPermaLink="false">http://statewideinsurancenc.com/blog/?p=854</guid>
		<description><![CDATA[One way to help lower personal and business cyber risk is to avoid using easy-to-crack passwords. SplashData, a password management application maker, recently compiled a list of the 25 worst passwords for the year 2011. The research results were based on millions of actually stolen passwords that were made available online. Having tough-to-guess passwords may [...]]]></description>
			<content:encoded><![CDATA[<p>One way to help lower personal and business cyber risk is to avoid using easy-to-crack passwords. SplashData, a password management application maker, recently compiled a list of the 25 worst passwords for the year 2011.</p>
<p>The research results were based on millions of actually stolen passwords that were made available online.</p>
<p>Having tough-to-guess passwords may not necessarily deter sophisticated, determined hackers. But they do make it much more difficult for amateur cyber thieves to breach online accounts. Here is the list of this year’s worst online passwords.</p>
<p>1. password</p>
<p>2. 123456</p>
<p>3. 12345678</p>
<p>4. qwerty</p>
<p>5. abc123</p>
<p>6. monkey</p>
<p>7. 1234567</p>
<p>8. letmein</p>
<p>9. trustno1</p>
<p>10. dragon</p>
<p>11. baseball</p>
<p>12. 111111</p>
<p>13. iloveyou</p>
<p>14. master</p>
<p>15. sunshine</p>
<p>16. ashley</p>
<p>17. bailey</p>
<p>18. passw0rd</p>
<p>19. shadow</p>
<p>20. 123123</p>
<p>21. 654321</p>
<p>22. superman</p>
<p>23. qazwsx</p>
<p>24. michael</p>
<p>25. football</p>
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		<title>Why Should I Bother With Turning Signals?</title>
		<link>http://statewideinsurancenc.com/blog/2011/12/why-should-i-bother-with-turning-signals/</link>
		<comments>http://statewideinsurancenc.com/blog/2011/12/why-should-i-bother-with-turning-signals/#comments</comments>
		<pubDate>Thu, 29 Dec 2011 21:31:26 +0000</pubDate>
		<dc:creator>Benji Riggins</dc:creator>
				<category><![CDATA[Safety]]></category>
		<category><![CDATA[auto ins]]></category>
		<category><![CDATA[auto insurance quote]]></category>
		<category><![CDATA[auto safety]]></category>
		<category><![CDATA[car ins]]></category>
		<category><![CDATA[car insurance quote]]></category>
		<category><![CDATA[car safety]]></category>
		<category><![CDATA[driver safety]]></category>
		<category><![CDATA[driving safety]]></category>
		<category><![CDATA[insurance agency]]></category>
		<category><![CDATA[insurance agent]]></category>
		<category><![CDATA[vehicle ins]]></category>

		<guid isPermaLink="false">http://statewideinsurancenc.com/blog/?p=850</guid>
		<description><![CDATA[If you’ve ever turned a corner without a signal only to be blasted by a honking horn – and maybe an obscene gesture from the driver behind you – you’ve set off a driver for whom not signaling is a pet peeve. That’s most drivers. When surveyed on their pet peeves, many drivers first mention [...]]]></description>
			<content:encoded><![CDATA[<p>If you’ve ever turned a corner without a signal only to be blasted by a honking horn – and maybe an obscene gesture from the driver behind you – you’ve set off a driver for whom not signaling is a pet peeve. That’s most drivers.  When surveyed on their pet peeves, many drivers first mention others who don’t use turn signals when turning or making lane changes.</p>
<p>While signaling a lane change on a deserted stretch of highway at 3 a.m. may seem unnecessary, that’s a situation that few people find themselves in regularly.  Most people drive where their actions on the road have a direct effect on the other drivers sharing that same stretch of highway as well as on pedestrians.</p>
<p>The safe, thoughtful driver always signals lane changes and builds that habit.  When other drivers can predict your behavior, everyone on the road is safer.</p>
<p>Think before you signal: You’re planning to turn right into the bank that’s on the opposite corner of the intersection.  So when should you signal your right turn?  Don’t confuse the drivers coming at you by putting your signal on too soon.  They might just make a left turn in front of you.  But do get that signal on before you turn. Some drivers deliberately don’t signal a lane change because they fear that the drivers in that lane will speed up and close the gap, shutting out their move.  That might happen occasionally, but usually if you do signal other drivers are courteous and let you in.  Not signaling is dangerous and could cause an accident.</p>
<p>The danger at intersections: Dangers abound at intersections.   An estimated 80 percent of fatal city collisions happen at intersections that have stoplights.  Why are they so deadly?  Because many motorists travel at speeds approaching 50 miles per hour at intersections and crashes are often t-bone hits where one car is hit either on the driver or passenger door.   As you enter an intersection on a green light, look left, then right, then left again.  Make sure it’s visually clear before you enter it.</p>
<p>Yellow means slow down, not speed up to beat the red light: Red means stop whether it’s a sign or a signal.  If it’s a signal, yellow means slow down and stop!  It’s pretty simple.  Running stop signs and lights cause many fatalities every year.  And remember, a rolling stop is not a stop in the eyes of the law.  Would you rather spend your hard earned cash on a ticket or on something enjoyable?</p>
<p>Backing up: Many people back up without looking and that causes many accidents each year.  If you don’t believe it, next time you’re walking through a parking lot (don’t do this when driving, it will distract you) check out the back ends of the cars for damage that comes from accidents caused by backing up without looking.  Sadly, each year children are run over at home when cars are backed over them.  Backing down a roadway is never a good idea either and on limited access highways it’s illegal.  Even if it was, it wouldn’t be safe.</p>
<p>Freeway and expressway driving: Freeways and expressways have their own set of driving rules.   Closed access highways forbid many things:  stopping unless for an emergency, backing up and staying out of emergency vehicle crossover lanes are typical.   Because limited access highways usually have higher speed limits, it’s critical that drivers pay attention and follow the rules of the road. One of the most important things to learn as a driver is to properly use the acceleration and deceleration lanes for entering and exiting a freeway.</p>
<p>When you drive safely and courteously, whether you’re on a country road, a city street or a limited access highway you’ll find that most other drivers will be courteous as well.   So drive safely and enjoy your trip and consider talking to Statewide Insurance (704)821-7630 if you’re in the market for auto insurance.</p>
<p>Renee KolzowDecember 6, 2011 11:15 amAuto, Featured Articles, On The Road, Safety on the Road</p>
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		<title>You’d Better Watch Out – Many Holiday Party Hosts Ignore Safety Issues</title>
		<link>http://statewideinsurancenc.com/blog/2011/12/you%e2%80%99d-better-watch-out-%e2%80%93-many-holiday-party-hosts-ignore-safety-issues/</link>
		<comments>http://statewideinsurancenc.com/blog/2011/12/you%e2%80%99d-better-watch-out-%e2%80%93-many-holiday-party-hosts-ignore-safety-issues/#comments</comments>
		<pubDate>Thu, 22 Dec 2011 21:51:34 +0000</pubDate>
		<dc:creator>Benji Riggins</dc:creator>
				<category><![CDATA[Safety]]></category>
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		<guid isPermaLink="false">http://statewideinsurancenc.com/blog/?p=881</guid>
		<description><![CDATA[Many people are planning year-end holiday festivities. But a report says there are many dangers lurking at these events. And people aren’t paying enough attention. A MetLife Auto &#038; Home American Safety Pulse Poll says only about a third of potential hosts are concerned about common safety issues. The poll shows many potential hosts are [...]]]></description>
			<content:encoded><![CDATA[<p>Many people are planning year-end holiday festivities. But a report says there are many dangers lurking at these events. And people aren’t paying enough attention.</p>
<p>A MetLife Auto &#038; Home American Safety Pulse Poll says only about a third of potential hosts are concerned about common safety issues. The poll shows many potential hosts are failing to take precautionary steps to prevent unnecessary accidents.</p>
<p>Only about 40 percent are concerned about whether their guests might get involved in a drunk-driving-related accident after consuming alcohol on their property. The majority are not concerned about the potential to be named in a lawsuit should a guest get involved in a drinking-and-driving accident.</p>
<p>Most states offer an injured person, such as the victim of a drunk driver, a method to sue the person who served the alcohol.</p>
<p>The poll also found that two-third of those surveyed weren’t concerned about the potential theft of personal items at the party, despite the fact that in addition to inviting family (86 percent) and close friends (74 percent) to their homes, many people planned on inviting guests they are less familiar with, including neighbors (44 percent), co-workers (31 percent) and casual acquaintances (26 percent). The majority of party hosts (59 percent) said they would not restrict the party to a designated space, meaning the guests would be free to roam around the premise.</p>
<p>More than 60 percent of the party hosts said they have no plan to move or hide their valuables during their festivities.</p>
<p>The poll also noted that many people are planning to leave their homes for an extended period during this holiday season. But one in five travelers said they weren’t concerned about locking all doors and windows, the MetLife poll found. Some 40 percent have no plan to set lights on a timer system or leave lights on while they are away.</p>
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		<title>Holiday Parties or Homeowners&#8217; Follies?</title>
		<link>http://statewideinsurancenc.com/blog/2011/12/holiday-parties-or-homeowners-follies/</link>
		<comments>http://statewideinsurancenc.com/blog/2011/12/holiday-parties-or-homeowners-follies/#comments</comments>
		<pubDate>Fri, 16 Dec 2011 21:52:44 +0000</pubDate>
		<dc:creator>Benji Riggins</dc:creator>
				<category><![CDATA[Safety]]></category>
		<category><![CDATA[auto ins]]></category>
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		<guid isPermaLink="false">http://statewideinsurancenc.com/blog/?p=872</guid>
		<description><![CDATA[Hosts Seem Unconcerned About Safety, Liability As it gets a chillin&#8217;, it&#8217;s the perfect time to strike the fire, and enjoy the company of family and friends. Opening up one&#8217;s home during the holiday season is a heart-warming gesture. All the excitement, however, has some hosts overlooking basic safety issues. According to MetLife Auto &#038; [...]]]></description>
			<content:encoded><![CDATA[<p>Hosts Seem Unconcerned About Safety, Liability</p>
<p>As it gets a chillin&#8217;, it&#8217;s the perfect time to strike the fire, and enjoy the company of family and friends. Opening up one&#8217;s home during the holiday season is a heart-warming gesture. All the excitement, however, has some hosts overlooking basic safety issues.</p>
<p>According to MetLife Auto &#038; Home&#8217;s American Safety Pulse Poll, only about one-third of potential hosts are concerned about avoiding common safety issues, and taking precautionary steps to prevent unnecessary accidents.</p>
<p>This lack of concern is reason for big worry, considering the last two year&#8217;s claim trends during the month of December. For MetLife Auto &#038; Home, fire claims frequency increased by 12.5 percent in December 2009 and 2010. Theft claims frequency increased by 7.7 percent.</p>
<p>&#8220;The holiday season and transition to winter in many parts of the country generates higher frequency [certain types of home-related claims] than previous months,&#8221; explains Tim Bowen director of homeowners&#8217; claims with Metlife Auto &#038; Home. &#8220;We see theft frequency increases around the holidays with claim notices indicating that gifts/recent purchases were stolen. Heating systems are also being used with greater frequency at this time of year and we see more &#8216;puff back&#8217; type losses with oil fired systems.&#8221;</p>
<p>There are a number of everyday safety issues many tend to overlook while planning their parties. </p>
<p>Too Many &#8216;Cheers&#8217;</p>
<p>According to the National Highway Traffic Safety Administration (NHTSA), there is an increase in alcohol-related car crashes and fatalities over the holidays. Yet, fewer than half of Americans or 42 percent are concerned that one of their guests would be involved in a drunk-driving-related accident after consuming alcohol on their property. Fifty-eight percent of respondents to the MetLife Auto &#038; Home survey are not concerned about the potential to be named in a lawsuit, should a guest be involved in a drinking and driving accident.</p>
<p>Blazing Holiday Spirit</p>
<p>Decorating is essential to set the mood for festivities. This holiday season, 91 percent of people plan to decorate their homes, but many may be inadvertently exposing their home and guests to an increased risk of fire, if they’re not careful.</p>
<p>&#8220;Only 32 percent of those polled expressed concern that their decorations might pose a fire risk to their homes and to their party guests,&#8221; says Mike Convery, chief claim officer and vice president of MetLife Auto &#038; Home. &#8220;It’s important for hosts to exercise caution with their decorations, especially wax candles, as December has more candle-related fires than any other month of the year, according to the National Fire Protection Association (NFPA).”</p>
<p>The Grinch Didn&#8217;t Steal Christmas</p>
<p>Only one-third of those surveyed expressed concern about the theft of their personal belongings during a party. Many are inviting family (86 percent) and closer friends (74 percent) to their homes. Others plan on inviting less familiar guests, including neighbors (44 percent), co-workers (31 percent) and casual acquaintances (26 percent).</p>
<p>Not Home for the Holidays</p>
<p>Many people are planning a holiday trip, instead of a party, as is the case for 65 percent of those surveyed. However, 19 percent of the respondents said they would not lock all doors and windows before hitting the road. Only 61 percent said they would leave lights on or set lights on a timer system when they are away, potentially putting their homes at risk for a burglary.</p>
<p>This is the third survey in the American Safety Pulse polls series conducted MetLife Auto &#038; Home by ORC International. MetLife Auto &#038; Home, a brand of Metropolitan P&#038;C Insurance Company and its affiliates, is one of the nation’s leading personal lines P&#038;C insurance providers.</p>
<p>MetLife Auto &#038; Home has compiled essential holiday party safety information here outlining how Americans are planning for their parties and some potential pitfalls they may face.</p>
<p>Source: www.metlife.com</p>
<p>By Melissa Stewart</p>
<p>December 13, 2011</p>
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		<title>Thanksgiving Day is Top Day For Cooking Accidents</title>
		<link>http://statewideinsurancenc.com/blog/2011/11/thanksgiving-day-is-top-day-for-cooking-accidents/</link>
		<comments>http://statewideinsurancenc.com/blog/2011/11/thanksgiving-day-is-top-day-for-cooking-accidents/#comments</comments>
		<pubDate>Wed, 23 Nov 2011 21:40:53 +0000</pubDate>
		<dc:creator>Benji Riggins</dc:creator>
				<category><![CDATA[Safety]]></category>
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		<description><![CDATA[Serafino Alfe was deep-frying turkeys for an annual fundraiser dinner recently and ended up at the Loyola Burn unit with third-degree burns – the worst – on his leg. “I tripped and fell right into the deep fryer,” said the Mount Prospect (Illinois) resident. “Thirty quarts of hot oil poured over my leg and I [...]]]></description>
			<content:encoded><![CDATA[<p>Serafino Alfe was deep-frying turkeys for an annual fundraiser dinner recently and ended up at the Loyola Burn unit with third-degree burns – the worst – on his leg.</p>
<p>“I tripped and fell right into the deep fryer,” said the Mount Prospect (Illinois) resident. “Thirty quarts of hot oil poured over my leg and I basically fried myself.”</p>
<p>In the United States, more than 141 serious fires and hot-oil burns have been reported from the use of turkey fryers over the last decade, according to the U.S. Consumer Product Safety Commission.</p>
<p>Alfe said he has used a deep fryer for many years and is always careful. “We put the deep fryers on cardboard and I caught my shoe on the edge and just lost my balance,” said Alfe, who will undergo surgery on his injured leg on the day before Thanksgiving. “We were using the older fryers that do not have a secure lid and the gallons of hot oil just splattered out everywhere.”</p>
<p>Taking care to not become a victim of a fire and serious burns applies equally inside the home on Thanksgiving Day, the leading day for cooking fires, with three times as many as on an average day, according to the National Fire Protection Association.</p>
<p>“Cooking remain a major mechanism of injuries for adults, and for children who are underfoot,” said Richard L. Gamelli, MD, director, Burn &#038; Shock Trauma Institute, and Provost of Health Sciences, Stritch School of Medicine, Loyola University Hospital.</p>
<p>Loyola’s Burn Center is one of the busiest in the Midwest, treating nearly 600 patients annually in the hospital and another 3,500 patients each year in its clinic. More than 40 percent of the burn cases are children.</p>
<p>“If a turkey fryer is used the way it’s supposed to be used by people who are not impaired by alcohol or drugs, I think they’re fine,” said Dr. Thomas Esposito, chief of the Division of Trauma, Surgical Critical Care and Burns in the Department of Surgery, Loyola University Chicago Stritch School of Medicine. “Injuries from turkey fryers are rare, but when they happen to you or a family member, that doesn’t matter – they are very devastating.”</p>
<p>He said $15 million in annual U.S. property damage is caused by deep fryer fires.</p>
<p>“It doesn’t matter if it is a turkey fryer or a conventional oven, you should always take great care when using appliances, vehicles and any other device that has the potential to cause great harm to yourself and others if used in a careless, irresponsible manner,” Esposito said.</p>
<p>Esposito offered safety tips for those planning to use a fryer:<br />
 •Look for the newer fryers with sealed lids to prevent oil spills.<br />
 •Keep the fryer in full view while the burner is on.<br />
 •Keep children and pets away from the cooking area.<br />
 •Place the fryer in an open area away from all walls, fences or other structures.<br />
 •Never use the fryer in, on, or under a garage, breezeway, carport, porch, deck or any other structure that can catch fire.<br />
 •Slowly raise and lower the turkey to reduce hot-oil splatter and to avoid burns.<br />
 •Never cook in short sleeves, shorts or bare feet. Cover all bare skin when dunking or removing bird.<br />
 •Protect your eyes with goggles or glasses.<br />
 •Immediately turn off the fryer if the oil begins to smoke.<br />
 •Make sure the turkey is completely thawed and be careful with marinades. Oil and water don’t mix and water can cause oil to spill over, creating a fire or even an explosion.<br />
 •Don’t overfill fryer with oil. Turkey fryers can ignite in seconds after oil hits the burner.<br />
 •Keep a fire extinguisher appropriate for oil fires close at hand and be familiar with how to operate it.<br />
 •Do not use a hose in an attempt to douse a turkey fryer fire.<br />
 •If you do burn yourself, or someone else is burned, seek immediate medical attention.</p>
<p> Source: Loyola University Health System</p>
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		<title>I.I.I.: Insurance Policies Can Protect You From More &#8216;Tricks&#8217; Than Treats This Halloween</title>
		<link>http://statewideinsurancenc.com/blog/2011/10/i-i-i-insurance-policies-can-protect-you-from-more-tricks-than-treats-this-halloween/</link>
		<comments>http://statewideinsurancenc.com/blog/2011/10/i-i-i-insurance-policies-can-protect-you-from-more-tricks-than-treats-this-halloween/#comments</comments>
		<pubDate>Mon, 31 Oct 2011 20:49:57 +0000</pubDate>
		<dc:creator>Benji Riggins</dc:creator>
				<category><![CDATA[Safety]]></category>
		<category><![CDATA[auto ins]]></category>
		<category><![CDATA[car ins]]></category>
		<category><![CDATA[halloween]]></category>
		<category><![CDATA[home ins]]></category>
		<category><![CDATA[homeowners ins]]></category>
		<category><![CDATA[insurance agency]]></category>
		<category><![CDATA[insurance agent]]></category>
		<category><![CDATA[treat]]></category>
		<category><![CDATA[trick]]></category>

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		<description><![CDATA[NEW YORK, Oct. 24 &#8212; The Insurance Information Institute issued the following news release: A few basic safety steps, along with an up-to-date homeowners and auto insurance policies, can take some of the fright out of possible Halloween related damage, according to the Insurance Information Institute (I.I.I.). &#8220;If you&#8217;re worried about your home or apartment [...]]]></description>
			<content:encoded><![CDATA[<p>NEW YORK, Oct. 24 &#8212; The Insurance Information Institute issued the following news release:</p>
<p>A few basic safety steps, along with an up-to-date homeowners and auto insurance policies, can take some of the fright out of possible Halloween related damage, according to the Insurance Information Institute (I.I.I.).</p>
<p>&#8220;If you&#8217;re worried about your home or apartment being damaged by a small army of trick-or-treaters dressed like Zombies, Charlie Sheen , Snooki or Lady Gaga&#8211;anticipated to be the most popular costumes this year&#8211;call your insurance agent, broker or company representative,&#8221; said Jeanne M. Salvatore , senior vice president and consumer spokesperson for the I.I.I. &#8220;They can help explain your insurance coverage, suggest upgrades to your policy and even offer tips to keep your home safe this holiday season.&#8221;</p>
<p>Fortunately, your insurance can provide coverage for many possible Halloween-related disasters:</p>
<p>Your home or car is the target of mischief </p>
<p>Standard homeowners and renters insurance policies provide coverage for vandalism. There will be a deductible before your policy starts to pay, but if you suffer expensive damage to your home or possessions you will be financially protected. In the event that your car is damaged by mischievous trick-or-treaters, there is coverage under the optional comprehensive portion of your auto insurance policy.</p>
<p>There is a fire in your home </p>
<p>If a Halloween candle or electrically powered decoration causes a fire, any damage will be covered by standard homeowners and renters insurance policies. If the fire is significant enough to make your home unlivable, you would also be covered for additional living expenses, such as having to check into a hotel while your home is being repaired.</p>
<p>A trick-or-treater is injured on your property </p>
<p>If a trick-or-treater or Halloween party guest is accidently injured in your house or apartment, you would be covered under the liability portion of your homeowners or renters insurance policy, should the injured guest sue you. Standard policies also include no-fault medical coverage so that the injured guest could simply file their medical claim with your insurance company and avoid a lawsuit. Not everyone is familiar with this coverage, but it provides very important financial protection.</p>
<p>You crash your car into a tree to avoid hitting a trick-or-treater </p>
<p>Of course, we know you will drive slowly and carefully, but if a group of excited trick-or-treaters darts in front of your car causing you to swerve and hit a tree, you should be covered. Accidents that do not involve another driver or pedestrian are covered under the optional collision portion of an auto insurance policy. If another car or person is involved in the accident, the liability portion of your auto policy would kick in.</p>
<p>Some basic steps can make your home safe for trick-or-treaters, so you can avoid Halloween disasters altogether:</p>
<p>Remove all objects around the outside of your house that could cause children to trip or fall.</p>
<p>Turn your outside light on so children will know they can visit your home. </p>
<p>Keep candles, jack-o-lanterns, matches and lighters in a place that children cannot reach. Halloween candles with multiple wicks close to one another are hazardous and should not be used. When lit they can produce a single high flame or several large flames close together resulting in intense heat and the danger of igniting nearby materials such as curtains or window sills.</p>
<p>Keep pets inside and away from trick-or-treaters and lit candles, especially if they are easily frightened or become over-excited in the presence of strangers.</p>
<p>If using decorative lights indoors or outdoors, use lights certified by a recognized organization such as UL (Underwriters Laboratories). Check lights for broken or cracked sockets, frayed or bare wires or loose connections. Discard damaged sets. Do not overload extension cords.</p>
<p>Each year, the clock is turned back on the Sunday before Halloween in almost every state, marking the end of daylight savings time. This means that it will be dark in much of the country by 5 p.m. on Monday, October 31, and because Halloween falls on a school day, many youngsters will be canvassing neighborhoods for treats after dark. Motorists need to remember that kids may be distracted by all the costumes and candy. So, drive slowly in residential areas and honk your horns on dimly lit streets to alert children who may not be paying close attention to vehicular traffic. And watch out for youngsters crossing against the light, darting out from between parked cars and walking in the street.</p>
<p>Copyright:</p>
<p>(c) 2011 Targeted News Service</p>
<p>Source:</p>
<p>Targeted News Service</p>
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		<title>NC DOT lets you know where to watch out for deer</title>
		<link>http://statewideinsurancenc.com/blog/2011/10/nc-dot-lets-you-know-where-to-watch-out-for-deer/</link>
		<comments>http://statewideinsurancenc.com/blog/2011/10/nc-dot-lets-you-know-where-to-watch-out-for-deer/#comments</comments>
		<pubDate>Wed, 19 Oct 2011 20:34:29 +0000</pubDate>
		<dc:creator>Benji Riggins</dc:creator>
				<category><![CDATA[Safety]]></category>
		<category><![CDATA[auto ins]]></category>
		<category><![CDATA[car ins]]></category>
		<category><![CDATA[deer accid]]></category>
		<category><![CDATA[deer collision]]></category>
		<category><![CDATA[insurance agency]]></category>
		<category><![CDATA[insurance agent]]></category>

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		<description><![CDATA[RALEIGH, N.C. (AP) &#8211; North Carolina motorists who want to know the regions of the state where they have to be especially vigilant about deer now have an online tool to help. The state Department of Transportation has maps available by county on its website, www.ncdot.org , showing areas with the most frequent animal-related crashes. [...]]]></description>
			<content:encoded><![CDATA[<p>RALEIGH, N.C. (AP) &#8211; North Carolina motorists who want to know the regions of the state where they have to be especially vigilant about deer now have an online tool to help.</p>
<p>The state Department of Transportation has maps available by county on its website, www.ncdot.org , showing areas with the most frequent animal-related crashes.</p>
<p>The agency says deer are the biggest single danger. Ninety percent of the nearly 20,000 animal-related wrecks every year involve deer.</p>
<p>Seventeen people have been killed in those wrecks since 2008, with more than 3,400 injured.</p>
<p>DOT mobility and safety director Kevin Lacy says deer are especially likely to be on the move at this time of year because of mating and hunting season. Most deer-related crashes occur between October and December.</p>
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		<title>Deer Collisions Down; W. Virginians Still Hit the Most</title>
		<link>http://statewideinsurancenc.com/blog/2011/10/deer-collisions-down-w-virginians-still-hit-the-most/</link>
		<comments>http://statewideinsurancenc.com/blog/2011/10/deer-collisions-down-w-virginians-still-hit-the-most/#comments</comments>
		<pubDate>Thu, 13 Oct 2011 19:36:22 +0000</pubDate>
		<dc:creator>Benji Riggins</dc:creator>
				<category><![CDATA[Safety]]></category>
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		<description><![CDATA[NU Online News Service, Oct. 07, 11:47 a.m. EST West Virginian deer continue to find the front grills of vehicles—more than in any other state. Using its claims data, State Farm has again come up with a report on deer-vehicle collisions and has found that for the third straight year, the overall number of these [...]]]></description>
			<content:encoded><![CDATA[<p>NU Online News Service, Oct. 07, 11:47 a.m. EST</p>
<p>West Virginian deer continue to find the front grills of vehicles—more than in any other state.</p>
<p>Using its claims data, State Farm has again come up with a report on deer-vehicle collisions and has found that for the third straight year, the overall number of these unfortunate encounters in the United States has fallen between July 1, 2010 and June 30, 2011.</p>
<p>However, the average cost of property damage due to these collisions was up 2.2 percent during this period, to $3,171.</p>
<p>But the Mountain State, for the fifth year in a row, tops a list of states with the greatest odds of striking the wide-eyed grazers.</p>
<p>Over the next 12 months 1-in-53 drivers in West Virginia are likely to hit a deer, State Farm says. That’s actually an improvement over the last report, when the odds were 1-in-42.</p>
<p>The likelihood of hitting a deer in eight of the top 10 states form last went down from a year ago. For example, in Michigan—the state with the fifth-greatest odds of hitting a deer—there were 23,000 fewer deer-auto accidents during the latest period compared to the last period.</p>
<p>State Farm says about 1.09 million collisions occurred in from the mid-point last year to June 30 this year. That count is down 7 percent from the same period a year prior. </p>
<p>“It makes sense to us that during these challenging economic times, drivers in the U.S. are logging fewer miles,” says State Farm spokesman Dick Luedke in an email. “Everything else being equal, the fewer miles we drive, the fewer deer we hit.</p>
<p>“But perhaps not everything else is equal,” he adds. “Perhaps there is at least one other factor in play. We would like to think that the attention State Farm and others (including the Insurance Institute for Highway Safety) have drawn to this issue in recent years has inspired drivers to be more attentive to what they can do to reduce their chances of an encounter with a deer.”</p>
<p>The nation’s top insurer of cars uses its data with licensed-driver data from each state to calculate the odds.</p>
<p>By Chad Hemenway, PropertyCasualty360.com</p>
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		<title>Warning: Insecticides Can Be More Dangerous Than Bedbugs</title>
		<link>http://statewideinsurancenc.com/blog/2011/09/warning-insecticides-can-be-more-dangerous-than-bedbugs/</link>
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		<pubDate>Tue, 27 Sep 2011 18:53:49 +0000</pubDate>
		<dc:creator>Benji Riggins</dc:creator>
				<category><![CDATA[Safety]]></category>
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		<description><![CDATA[Bedbugs don’t make people sick. But the poisons used to kill them can. A new government study has found that dozens of Americans have fallen ill from the insecticides, and a North Carolina woman died after using 18 cans of chemical fogger to attack the tiny blood suckers. Because many of the cases, including the [...]]]></description>
			<content:encoded><![CDATA[<p>Bedbugs don’t make people sick. But the poisons used to kill them can.</p>
<p>A new government study has found that dozens of Americans have fallen ill from the insecticides, and a North Carolina woman died after using 18 cans of chemical fogger to attack the tiny blood suckers.</p>
<p>Because many of the cases, including the lone death, were do-it-yourselfers who misused the chemicals or applied the wrong product, federal health officials are warning consumers to be careful and urging them to call professionals.</p>
<p>The report by the Centers for Disease Control and Prevention counted 80 illnesses and one death linked to the insecticides over three years. Most of the cases were in New York City, the apparent epicenter of a recent U.S. bedbug comeback.</p>
<p>The CDC was able to get data from 12 states, and only seven had reports of such illnesses. One was New York, where bedbugs have become a highly publicized problem and where health officials have also been extra vigilant about reporting unusual chemical poisonings.</p>
<p>Investigators were relieved to find a relatively small number of cases.</p>
<p>“At this point, it’s not a major public health problem,” said Dr. Geoff Calvert, a CDC investigator who co-authored the study.</p>
<p>Bedbugs are wingless, reddish-brown insects that bite people and animals to draw blood for their meals. Though their bites can cause itching and welts, they are not known to spread disease.</p>
<p>“There’s nothing inherently dangerous about bedbugs,” said Dr. Susi Vassallo, an emergency medicine doctor who works at New York City’s Bellevue Hospital Center and occasionally treats patients who report bedbug problems.</p>
<p>But the insects are a major hassle. In recent national surveys of exterminators, bedbugs were named the toughest pest to get rid of. They can hide for months, only come out at night and can be hard to spot with the human eye.</p>
<p>They are also creepy, provoking intense fear in the minds of many people unnerved by the threat that an almost invisible insect could emerge at night to drink their blood.</p>
<p>“Sometimes people get hysterical,” said Theresa Braine, a New York City journalist who lived with bedbugs in her apartment for a year and now writes a weekly Internet column about the pests.</p>
<p>The CDC study was the first to look at the dangers of bedbug insecticides. Researchers reviewed reports from California, Florida, Michigan, North Carolina, New York, Texas and Washington.</p>
<p>They counted 111 cases from 2003 through 2010. Most occurred in the last few years, when bedbug reports rose across the country. More than half were in New York City.</p>
<p>People suffered headaches, dizziness, breathing problems and nausea and vomiting. More than 80 percent of the illnesses were considered mild.</p>
<p>The one death was a 65-year-old woman from Rocky Mount, N.C., who had a history of heart trouble and other ailments.</p>
<p>In 2010, she and her husband used nine cans of insecticide fogger one day, then the same amount two days later, without opening doors and windows to air out their home afterward. She also covered her body and hair with another bedbug product, and covered her hair with a plastic shower cap.</p>
<p>Two other illnesses were carpet cleaners who had not been told the apartment had recently been treated with pesticides. Two more were emergency medical technicians who responded to a scene and were exposed to a white powder believed to be a pesticide.</p>
<p>CDC officials said they could not be absolutely certain that the insecticides caused every problem. For example, there was no record of an autopsy on the North Carolina woman. It’s possible that some of the illnesses were coincidental to the insecticide exposure.</p>
<p>But it’s also likely these kinds of illnesses are under-reported, Calvert said.</p>
<p>About 90 percent of the cases were linked to pyrethroids or pyrethrins, insecticides commonly used against bedbugs. Such products are not a health risk to most people but should still be applied by a trained exterminator, said Vassallo, who is also a toxicologist and a clinical associate professor at NYU Langone Medical Center.</p>
<p>But in some cases, an improper and more dangerous product was used. That happened in 2010 in Ohio, where an uncertified exterminator used malathion to rid an apartment of bedbugs, even though the chemical is never supposed to be used indoors. A couple and their 6-year-old child got sick.</p>
<p>CDC officials suggested people trying to rid their homes of bedbugs should first thoroughly vacuum all floors and furniture and wash linens.</p>
<p>If it doesn’t work, call an exterminator to apply the chemicals, and then carefully follow their directions about re-entering the room and airing it out, they said.</p>
<p>Exterminators can be expensive. Braine said it cost her more than $1,000 for one treatment of her small Brooklyn apartment, which was only briefly successful. She has since moved to another place.</p>
<p>For products that are sold to the public, labeling could be a little better.</p>
<p>“We think it would be helpful if they were easier to read, understand, and better conveyed the message that the insecticide can be toxic and should be used with great care,” Calvert said.</p>
<p>A spokeswoman for the National Pest Management Association, a trade group, said the industry is continually looking at improving its labeling. But some people just don’t read labels.</p>
<p>For example, foggers are not recommended for bedbugs, she noted. And it appears some people use much more than is recommended.</p>
<p>“We live in a society where people believe that if a little bit is good, more is better,” said the spokeswoman, Missy Henriksen. But sometimes more is dangerous, she added.</p>
<p>CDC report: http://www.cdc.gov/mmwr</p>
<p>By Mike Stobbe | September 26, 2011</p>
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