Harris, Reed & Seiferth
There have been times in my life when I've felt severely unprepared. I remember starting drivers training and getting behind the wheel for the first time with my instructor, nervously thinking to myself, We've only talked about driving in the classroom—I don't think I'm ready to be on the roads! And during my time as a college student, I've known the horror of being caught off guard by spontaneous pop quizzes. I've even found myself at the starting line of a 25K road running race, regretfully wishing that I had spent more than just two weeks training for the event.
Recalling these experiences makes me glad I was not negligent my first time riding an ATV. This time, I felt prepared. I had carefully learned the rules of riding safely, I was wearing the proper gear, and I was on trails designated for off-road vehicles with other experienced and responsible riders. This preparation gave me confidence and allowed me to relax and enjoy the ride. It was an absolute blast!
Riding an ATV can be thrilling, but also dangerous, so it's important to brush up on how to ride safely before you hit the trails. Whether you are a new rider learning for the first time or an ATV veteran in need of a quick refresher, here are ten tips for being prepared and staying safe on your off-road adventures:
What do outdoor adventures look like for you? Whether it's an ATV, UTV, dirt bike, dune buggy, golf cart or other off-road vehicle (ORV), you'll want to make sure you have the right type of insurance coverage to protect your toys. It's important to ask your independent insurance agent the right questions about what type of coverage you're seeking and customize it to fit your lifestyle. To help you get started, we put together the following list of questions after speaking with Kevin Henry, the Director of Product Management at Foremost® Insurance.
1. What typical coverages are available for ATV/UTVs?
"Ask your agent or broker about standard coverages that are available, as well as optional ones you might consider," says Henry. "Standard coverages include Collision, Other Than Collision, Liability and Medical Payments. They help provide coverage for damage to your ATV itself or damage or injury that you may cause while riding your ATV."
2. Is my safety apparel covered?
"Whether it's helmets, goggles or other clothing that helps minimize injuries from an accident, most companies will offer safety apparel coverage for when these things get damaged," says Henry. "We want riders to be as safe as possible while enjoying the outdoors, so we encourage wearing safety gear."
3. Is there optional equipment coverage available?
"Most people have customized or added options to their ATVs," Henry explains. "Optional Equipment coverage helps cover things like towable trailers, racks and winch kits for your ATV."
4. Am I able to insure my ATV/UTV year-round?
"Year-round coverage is definitely something you may want to consider," answers Henry. "Some policies have a lay-up period for colder weather when you may not be able to ride. But when an unusually warm day comes around and you want to take your ATV out, you might be stuck without coverage. A year-round policy lets you take it out whenever Mother Nature's providing good weather and, with some companies, you can do this for the same price as seasonal coverage."
5. What kinds of discounts are available?
"Everybody wants to save money," Henry shares. "Ask what's available for you. Some companies, like Foremost, offer discounts for things like multi-units, multi-policies, maintaining continuous coverage when you renew and for having prior off-road vehicle insurance."
Your safety is number one to us. Stay safe wherever you choose to go on your off-road vehicle.
Looking for ATV insurance? Get a quote today by calling 561-768-8176 to speak with a licensed agent.
Golf Carts look quite easy to drive, but they sure handle differently than other vehicles. When I was 14, I thought I could just hop on one and drive it like a pro. Well I drove it … right into a tree. I learned the hard way that I should’ve taken things slow and let someone else teach me how to drive it. Now I know how to drive one – without crashing – and so can you! Here are some Golf Cart safety tips to read up on before you hit the gas and make the same mistake I did.
Review your manufacturer's guide for other warnings and safety guidelines!
To protect your Golf Cart, insure it with Foremost®! Don't let your fun get cut short because you didn't get the right coverage for your ride. Luckily, an agent can help you choose the right policy for your Golf Cart.
As of July 15, 2022, all Southern Fidelity insurance policies are canceled. If you are a former Southern Fidelity Insurance customer, Harris, Reed & Seiferth Insurance Group can help with the transition. Simply call 561-768-8176 for assistance.
Below find everything you need to know about this change and how we can help you transition to another policy that meets your needs.
Liquidation of Southern Fidelity Insurance Company
On June 15, 2022, Southern Fidelity Insurance Company (“SFIC”) was ordered liquidated by the Second Judicial Circuit Court in Leon County, Florida. The Florida Department of Financial Services (“Department”) is the court appointed Receiver of SFIC. A copy of the liquidation order for SFIC is available on the Department’s website, www.myfloridacfo.com/division/receiver.
Please be informed that:
Citizens Property Insurance Corporation (“Citizens”) may be able to offer coverage. Citizens is prepared to write eligible policies if, after a good-faith search, agents cannot find coverage in the private market.
Because of hurricane season and the short time between the liquidation of Southern Fidelity and the policy cancellation date, Citizens is working to make this easier. Citizens is prepared to:
If the insured property has unrepaired damage, property owners will need to take steps to repair it, have a contract for repairs, or otherwise demonstrate insurability. Submitted applications unbound for approval must include the following documentation:
Call Us Today For An Affordable, Quality Policy
Harris, Reed & Seiferth Insurance Group can help you transition to an affordable, quality insurance policy that meets your needs. Please call us at 561-768-8176 and reference your SFIC policy so that our agents can assist you.
Dental implants are commonly used to replace a broken tooth or a tooth with extensive decay that cannot be restored with a root canal or crown. About 1.9 Americans have one or more dental implants each year. Before getting an implant, find out whether it’s the best dental treatment option. Here are five questions to ask your dentist.
1. How will a dental implant benefit my oral health?
A dental implant is designed to fill in for a missing tooth and should feel and function like a normal tooth. After a tooth is pulled and the oral tissue heals, an implant screw, made of titanium or other materials, is inserted into the jawbone. Once the screw adheres to the bone, it’s capped with a crown and looks similar to other teeth.
Titanium implants, invented over 40 years ago, have significantly improved dental treatments reports the American Dental Association. Previously, dentists replaced a missing tooth with a partial denture or a bridge, designed to look like a tooth, that is attached to neighboring teeth. While both options still are used today, dentures and bridges can be uncomfortable, weaken the jawbone, and require periodic replacement.
2. What happens if a missing tooth is not replaced?
When a tooth is lost and not replaced, people may experience difficulty chewing foods, and their jawbone may deteriorate faster, increasing the risk of decay and gum disease and losing neighboring teeth. The remaining teeth may shift, causing bite problems, and the facial skin may sag and create an uneven smile.
3. How long do implants last?
Research shows that 95 percent of implants on average have lasted 13 years or more. Implants today are made of newer materials and designed to fit better, so the jawbone heals faster.
4. How much do implants cost?
Although implants have become a popular dental treatment, many dental insurance plans do not cover the cost. In some cases, medical insurance may pay some of the expense. Depending on the location and dentist, an implant, crown and related dental work can cost $2,000 to $10,000 or more. Ask the dentist to provide a written treatment plan outlining all of the costs, appointment schedules and follow up checkups. Also, ask about the type of implant used and why it’s the best choice for your needs.
5. What is the dentist’s experience with implants?
Before scheduling an implant procedure, find out the dentist’s experience, such as: What is their training with implants? Are they board certified in oral and maxillofacial surgery, periodontics or prosthodontics, or have they received special training? How many patients have they treated with dental implants?
Daily tooth brushing and flossing can help prevent the need for dental implants. Read this blog to learn more.
American Academy of Implant Dentistry
American Dental Association
It feels like we blinked and boom - summer is here. It comes and goes as quickly as that, so I try to make every day count (especially living in the north!). I recently made a list of things I'd like to do before fall arrives. I only have three to four months to work with, and doing this gives me something to look forward to each month. If you're feeling stumped on what to add to your list, I’ve got you covered!
Here's some fun ideas to add to your summer bucket list to make it the most memorable year yet.
Whether you're taking a road trip or taking the family camping, driving with a trailer can be a challenge. According to eTrailer.com, when you add a trailer to your vehicle, the overall handling and rules of driving dramatically change. Using your hitch to tow your favorite travel trailer means you should give yourself more time to slow down and turn corners. It's important that drivers of all experience use trailer brakes to decrease speed evenly with the added weight that's being towed. And, because trailers don't follow the exact path as the vehicle on turns, always remember to safely swing out wider when traveling around bends and corners.
Here are some do's and don'ts of towing to keep you safe on the road.
Most bikers have ridden at night. Sometimes you can’t avoid it, or maybe you just enjoy it! It can be pretty, with city lights or starry skies and the open road – but it can also be extremely dangerous. Night riding is not impossible, you just need to make smart choices and be cautious on the night roads.
The number one cause of nighttime accidents is a lack of visibility. Beyond the obvious lack of sunlight, riders experience impaired depth perception vision impairment due to fatigue. When riding with decreased visibility, try the following:
Here are the top things you should consider when choosing the right dental carrier for you.
Visiting a network provider will usually save you money, so it’s good to look for a dental carrier with a large network and providers near you.
The maximum is how much the carrier may contribute to your dental costs during the benefit period.
Carriers can offer a variety of plans to match different needs. If there is a procedure you need done soon, like a root canal, look at available plans that don’t have a waiting period for that service before benefits begin.
Procedures are classified into four categories— Preventive, Basic, Major, and Orthodontia. The carrier covers a percentage of a procedure cost based on which benefit tier the procedure falls into. But be careful! Not every carrier or plan categorizes procedures the same, which could result in
Be sure to look for a carrier who provides additional features such as child orthodontia, LASIK, hearing benefits, teeth whitening, and more!
Ameritas ticks all these boxes. PrimeStar® individual dental plans are designed for someone like you!
✔ access to the Ameritas Dental Network, one of the nation’s largest
✔ generous annual maximums
✔ no waiting periods*, and next-day effective dates
✔ benefit tiers that provide comprehensive coverage
✔ special features* such as child orthodontia, LASIK, hearing benefits, and teeth whitening
Click here to find affordable dental insurance and vision plans in your area.
It's the holiday season again – that special time of year when you brighten your home with colorful and twinkling lights. Although decorating with electric lighting helps you create a cheerful atmosphere, it also brings an increased risk of accidental fire.
Here are some important safety tips to help you avoid electrical fires, overloaded circuits and other holiday fire hazards both outside and inside your home.
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