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Friday, August 23, 2013
Protecting you Home Business in 5 easy steps.
http://brianmurphy.myhomehq.biz/running-a-home-business
Monday, February 13, 2012
Car Insurance rates depend on many factors.
The article below appeared in the Atlanta Jornal online today and I thought it could be useful to anone who may be shopping for a new car of for new car insurance. You can also visit our website at http://www.kingandfrench.com/ to receive a free quote.
When shopping for car insurance, it’s not just your driving record that determines your annual premium. The type of car you drive is also a big factor—and some cars are much more expensive to insure than others.
A variety of factors can affect a car’s insurance quote, including the frequency of crashes for that model, the cost of repairs, the cost to insurers when a vehicle is declared a total loss and the cost of bodily injury claims, according to Web site Insure.com.
To give you an idea of what you might pay for a certain car, Insure.com annually produces lists of the 20 most expensive new cars to insure, and the 20 least expensive models.
To generate the 2012 lists, Insure.com used information on average rates provided by Quadrant Information Services. Rates were calculated using data from Allstate, Farmers, GEICO, Nationwide, Progressive and State Farm in ten ZIP codes per state. The rankings are based on coverage for a 2012 model with a “representative” driver (a single, 40-year-old male who commutes 12 miles to work each day); policy limits of $100,000 for injury liability for one person, $300,000 for all injuries and $50,000 for property damage in an accident; and a $500 deductible on collision and comprehensive coverage. The hypothetical driver has good credit and a clean driving record.
The least expensive model to insure, according to the analysis, is a minivan: the Toyota Sienna LE, with an average annual premium of just over $1,100. The list also includes 19 other cars with similar average premiums, all less than $1,200 a year. The least-expensive list tends to include lots of minivans, which have proven to be “safe, economical” vehicles, according to Insure.com.
At the other end of the spectrum is the 2012 Audi R8 Spyder Quattro, a two-seat convertible that is the most costly to insure, with an average annual premium of nearly $3,400. Also on the most expensive list are plenty of Mercedes, Porsches and BMWs.
Did you consider the cost of insurance when you selected your car?
When shopping for car insurance, it’s not just your driving record that determines your annual premium. The type of car you drive is also a big factor—and some cars are much more expensive to insure than others.
A variety of factors can affect a car’s insurance quote, including the frequency of crashes for that model, the cost of repairs, the cost to insurers when a vehicle is declared a total loss and the cost of bodily injury claims, according to Web site Insure.com.
To give you an idea of what you might pay for a certain car, Insure.com annually produces lists of the 20 most expensive new cars to insure, and the 20 least expensive models.
To generate the 2012 lists, Insure.com used information on average rates provided by Quadrant Information Services. Rates were calculated using data from Allstate, Farmers, GEICO, Nationwide, Progressive and State Farm in ten ZIP codes per state. The rankings are based on coverage for a 2012 model with a “representative” driver (a single, 40-year-old male who commutes 12 miles to work each day); policy limits of $100,000 for injury liability for one person, $300,000 for all injuries and $50,000 for property damage in an accident; and a $500 deductible on collision and comprehensive coverage. The hypothetical driver has good credit and a clean driving record.
The least expensive model to insure, according to the analysis, is a minivan: the Toyota Sienna LE, with an average annual premium of just over $1,100. The list also includes 19 other cars with similar average premiums, all less than $1,200 a year. The least-expensive list tends to include lots of minivans, which have proven to be “safe, economical” vehicles, according to Insure.com.
At the other end of the spectrum is the 2012 Audi R8 Spyder Quattro, a two-seat convertible that is the most costly to insure, with an average annual premium of nearly $3,400. Also on the most expensive list are plenty of Mercedes, Porsches and BMWs.
Did you consider the cost of insurance when you selected your car?
Thursday, February 9, 2012
The need for higher General Liability limits illustrated by this article.
Gwinnett jury returns $2.3 million verdict in slip-and-fall lawsuit against Kroger
By Andria Simmons
The Atlanta Journal-Constitution
5:08 p.m. Thursday, January 26, 2012
A Gwinnett County jury has returned a verdict of $2.3 million in damages in a slip-and-fall lawsuit against Kroger Co. after a judge determined Kroger destroyed and manipulated important video evidence involving an injured customer.
The lawsuit arose out of a May 2008 incident in which Craig Walters, 49, was shopping at a Kroger grocery store on Ridge Road near Douglasville. The lawsuit was filed in Gwinnett County because that's where the company's registered agent is located.
Walters slipped on crushed fruit on the floor near the deli and fell onto his back.
According to Walters' attorney, Lloyd N. Bell, Walters suffered a serious spinal cord injury from the fall, requiring surgery and the placement of multiple rods and screws to stabilize his spinal cord. His medical bills amounted to about $135,000, and he was unable to work, the lawsuit said. Walters previously had been a commercial landscaper.
Initially, lawyers for Kroger claimed the in-store video footage from the time of the accident had been taped over, and that videos are only kept for 17 days unless there is a reason to hold them longer. The store's lawyers also said the cameras did not point in the area where the accident occurred anyway, and provided sample images taken from the camera to prove it.
However, while the manager was giving a deposition at the Douglasville store, lawyers for Walters asked for a demonstration of the store's video surveillance system. The demonstration revealed the camera was centered directly on the spot where Walters fell.
“We couldn’t believe it," Bell said in a written statement. "The camera had obviously caught everything that had happened -- when the fruit fell to the floor, how long it was there, Walters slipping and falling on it -- and they deliberately erased it, lied to us, and gave us a phony sample of video footage to throw us off their trail."
Gwinnett State Court Judge Joseph C. Iannazzone sanctioned the company and issued an order finding Kroger had “spoliated” [destroyed] video evidence. The judge also determined the company was negligent and scheduled a trial on the limited issue of what damages Walters was entitled to receive.
A jury returned the $2.3 million verdict Jan. 20 at the conclusion of a three-day trial.
A representative for Kroger said the company was evaluating whether to file an appeal.
"The safety of our customers is important to Kroger," company spokesman Glynn Jenkins said. "We are sorry that Mr. Walters had an unfortunate experience in one of our stores. However, we disagree with some of the decisions made in the recent trial and are currently evaluating our future course of action."
Find this article at:
http://www.ajc.com/news/gwinnett/gwinnett-jury-returns-2-1318783.html
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By Andria Simmons
The Atlanta Journal-Constitution
5:08 p.m. Thursday, January 26, 2012
A Gwinnett County jury has returned a verdict of $2.3 million in damages in a slip-and-fall lawsuit against Kroger Co. after a judge determined Kroger destroyed and manipulated important video evidence involving an injured customer.
The lawsuit arose out of a May 2008 incident in which Craig Walters, 49, was shopping at a Kroger grocery store on Ridge Road near Douglasville. The lawsuit was filed in Gwinnett County because that's where the company's registered agent is located.
Walters slipped on crushed fruit on the floor near the deli and fell onto his back.
According to Walters' attorney, Lloyd N. Bell, Walters suffered a serious spinal cord injury from the fall, requiring surgery and the placement of multiple rods and screws to stabilize his spinal cord. His medical bills amounted to about $135,000, and he was unable to work, the lawsuit said. Walters previously had been a commercial landscaper.
Initially, lawyers for Kroger claimed the in-store video footage from the time of the accident had been taped over, and that videos are only kept for 17 days unless there is a reason to hold them longer. The store's lawyers also said the cameras did not point in the area where the accident occurred anyway, and provided sample images taken from the camera to prove it.
However, while the manager was giving a deposition at the Douglasville store, lawyers for Walters asked for a demonstration of the store's video surveillance system. The demonstration revealed the camera was centered directly on the spot where Walters fell.
“We couldn’t believe it," Bell said in a written statement. "The camera had obviously caught everything that had happened -- when the fruit fell to the floor, how long it was there, Walters slipping and falling on it -- and they deliberately erased it, lied to us, and gave us a phony sample of video footage to throw us off their trail."
Gwinnett State Court Judge Joseph C. Iannazzone sanctioned the company and issued an order finding Kroger had “spoliated” [destroyed] video evidence. The judge also determined the company was negligent and scheduled a trial on the limited issue of what damages Walters was entitled to receive.
A jury returned the $2.3 million verdict Jan. 20 at the conclusion of a three-day trial.
A representative for Kroger said the company was evaluating whether to file an appeal.
"The safety of our customers is important to Kroger," company spokesman Glynn Jenkins said. "We are sorry that Mr. Walters had an unfortunate experience in one of our stores. However, we disagree with some of the decisions made in the recent trial and are currently evaluating our future course of action."
Find this article at:
http://www.ajc.com/news/gwinnett/gwinnett-jury-returns-2-1318783.html
Print this page Close
Thursday, December 9, 2010
Car Insurance Discounts
This is an interesting article on how to potentially lower your auto insurance cost.
http://www.merchantcircle.com/experts/article/Most-Important-Factors-to-Know-About-Car-Insurance-Premiums-When-Unemployed-cat-485
http://www.merchantcircle.com/experts/article/Most-Important-Factors-to-Know-About-Car-Insurance-Premiums-When-Unemployed-cat-485
Wednesday, December 8, 2010
Workers Compensation Discount
I have posted a link below to the State of Georgia's information on how to set up a drug free workplace and then receive a 7.5 discount off your workers compensation premiums.
http://sbwc.georgia.gov/portal/site/SBWC/menuitem.2f54fa407984c51e93f35eead03036a0/?vgnextoid=ffb934a359b45210VgnVCM100000bf01020aRCRD
http://sbwc.georgia.gov/portal/site/SBWC/menuitem.2f54fa407984c51e93f35eead03036a0/?vgnextoid=ffb934a359b45210VgnVCM100000bf01020aRCRD
Monday, December 6, 2010
Blue Cross, Oxendine clash over health care pricing | ajc.com
This is a very interesting read. I find it another example of capitalism and the public good in conflict. Blue Cross, Oxendine clash over health care pricing ajc.com
Sunday, August 8, 2010
Hello Everyone
We are now on blogger.com. We are here as a resource to help with any of your insurance needs or questions. Find about more about us http://www.kingandfrench.com/ where you can get quotes online now. Contact me, Brian Murphy, with any questions.
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