Liability Insurance Claims

Electric Boat Discount!

Paul Fisher Insurance Services Now Offers Electric Boat Discount from Travelers Electric Boat Owners can Save up to 10 Percent* on Boat Insurance Policies from Travelers

Paul Fisher Insurance Services and Travelers are pleased to offer a first in the industry electric boat insurance premium discount* of 10 percent for those owing electrically powered boats. Whether boaters are interested in a quieter boating experience, or if they are seeking environmentally friendly boating solutions that help save money on annual fuel costs, electric boats can provide the right alternative for this segment of boaters. As a result, the number of electric boat manufacturers has grown and there continues to be a demand for electric boats in the current economy.
“Boaters who prefer a quiet boating have always considered electric boats and with the rising cost of marine fuel and a growing focus on the environment there is no doubt that more boaters will look to this option,” said Paul, owner Paul Fisher Insurance Services. “As habits are changing and more people are using electric boats, Paul Fisher Insurance and Travelers are ready to offer the innovative insurance solution that fits the evolving lifestyle of our customers.”
Travelers defines an electric boat as a vessel 100 percent powered by a propeller driven, electric in-board source where utility power is stored on board. These vessels are found to require less maintenance and breakdown less often than a typical gasoline or diesel powered boat simply because the motors are less complex. Most electric boats have a top speed of between five and nine knots or about six to 10 miles per hour which makes them suitable for leisurely cruising.
“Because Travelers has a staff of marine experts that fully understand the operation and functionality of electric boats, Paul Fisher Insurance Services will be able to work with them to quickly get an electric boat back in the water, in the unfortunate event that a customer would have to file a claim,” said Paul.
Most electric boats cost between $1 to $2 to fully charge for 10 or 12 hours of cruising time, meaning they cost approximately $.10 to $.12 per hour to operate. This significantly differs from conventional gasoline fueled boats which the industry estimates use about one gallon of fuel per hour for every 10 horsepower while diesel engines consume about one gallon of fuel per hour for every 18 horsepower. Therefore, it would cost about $50 to run a 10 horsepower gasoline motor or an 18 horsepower diesel motor for 10 hours**.
Recently, Travelers analyzed the fuel costs at 13 marinas around the country. This data uncovered the fact that marine fuel costs $.78 per gallon more than the national average for automobile gasoline and $.42 per gallon more than the national average for diesel fuel.
A number of states are designating certain waterways as electric only navigation. This phenomenon has been a trend in Europe and is now catching on around the United States. Electric only waterways help to keep the environment clean and create a quieter atmosphere for boaters looking to cruise and enjoy the outdoors. Additionally, electric boats are often utilized in speed restricted waterways that require boats to be operated without a wake.

For more information contact Paul Fisher Insurance Services or visit www.travelers.com.

Established in 1983, Paul Fisher Insurance Services is an independent insurance agency offering a full range of insurance products including Auto, Life, Home, Business Owners, Equipment Leasing, and more.
For information and quotes on insurance coverage, please visit
Paul Fisher Insurance Services at 3967 William Penn Highway Suite 3, Murrysville, PA 15668 or call (724)519-7503.

About Travelers
Travelers understands that life and business are inherently dynamic and that the best way to serve agents, brokers and policyholders is to deliver insurance that evolves to stay in-synch with life and business as they change. For more information on being in-synch, visit www.travelers.com.
The Travelers Companies, Inc. (NYSE: TRV) is a leading property casualty insurance company selling primarily through independent agents and brokers. The company’s diverse business lines offer its global customers a wide range of insurance coverage in both the personal and commercial settings, including auto, boat, homeowners, construction, small business, oil and gas, ocean marine, surety and management liability, global technology and public sector services. Travelers is a Fortune 100 company, with 2007 revenues of approximately $26 billion. The company has more than 33,000 employees.

*A discount of up to 10% applies only to certain coverages. The discount may not be available in all states and is subject to individual eligibility.

**www.boatsafe.com/nauticalknowhow/fuel

First Hybrid Boat & Yacht Insurance Discount from Travelers

Paul Fisher Insurance Services Now Offers First Hybrid Boat & Yacht Insurance Discount from Travelers
Innovative boats need innovative insurance – Paul Fisher Insurance Services offers up to 10 percent discount* for hybrid vessels through Travelers

Paul Fisher Insurance Services and Travelers (NYSE: TRV) are staying in-synch with boaters by today announcing an innovative, industry-first discount of up to 10 percent on hybrid boat and yacht insurance. Now, more than ever, boaters are looking for ways to improve fuel economy and reduce their impact on the environment without sacrificing speed. As a result, hybrid powered boats are starting to enter the market.
The marine industry has responded to consumer demands for efficiency with new technology and hybrid powerboats fully capable of delivering the performance most boaters expect. Hybrid boats allow the operator to utilize electric propulsion at low speeds to minimize or eliminate emissions and fuel consumption. However, hybrid powered boats can generate the horsepower needed to reach higher speeds with the internal combustion engine.
“The marine industry has delivered hybrid powered vessels that use the latest, state-of-the-art technology while reducing fuel consumption,” said Paul, owner for Paul Fisher Insurance Services. “Paul Fisher Insurance and Travelers, closely follow the newest developments in boating to meet our customers needs with the best marine insurance products and services.”
Recently, various highly regarded manufacturers in the marine industry have introduced their versions of hybrid boats to the marketplace. The Hinckley Company offers a hybrid power option for customers interested in its DS42 model, Scout Boats launched a hybrid model in late 2007, Frauscher Bootswerft introduced its hybrid to the United States in May 2008 and the Island Pilot DSe Hybrid will make its debut at the 2008 Fort Lauderdale Boat Show. Steyr Motors, which powers the Frauscher vessels, markets its hybrid engine as the “world’s first serial hybrid propulsion system for pleasure boats.” In addition, other large production manufacturers are reportedly researching hybrid propulsion and developing prototypes to include in their lineup of boats.
“Travelers solid understanding of the functionality and operation of hybrid boats enables our agency to best serve our customers,” said Paul. “Travelers completed extensive research that suggests boat manufacturers will begin offering hybrid models to provide a hybrid option similar to what’s taking place in the automotive industry.”
A hybrid boat is specifically designed to reduce greenhouse gas emissions and to conserve fossil fuels in comparison to the typical gasoline or diesel only powered boats. Travelers defines a hybrid boat as one that utilizes an integrated propulsion system that incorporates both an internal combustion engine and an electric motor in its original design. In this system, forward propulsion can be accomplished with the use of the electric motor with or without the use of the internal combustion engine.
Travelers continuously seeks ways to enhance existing products and develop new insurance solutions and services to address the impacts of changing climate and encourage environmentally friendly behavior. Travelers was the first insurance company to deliver a national hybrid auto insurance discount, as well as the first to deliver an insurance discount to electric boat owners. The company also provides business insurance products for environmentally focused commercial customers.
For more information contact [NAME OF AGENCY] or visit www.travelers.com.
Established in 1983, Paul Fisher Insurance Services is an independent insurance agency offering a full range of insurance products including Auto, Life, Home, Business Owners, Equipment Leasing, and more.
For information and quotes on insurance coverage, please visit
Paul Fisher Insurance Services at 3967 William Penn Highway Suite 3, Murrysville, PA 15668 or call (724)519-7503.

About Travelers
The Travelers Companies, Inc. (NYSE: TRV) is a leading property casualty insurer selling primarily through independent agents and brokers. Travelers understands that life and business are inherently dynamic and that the best way to serve customers is to deliver insurance in-synch with evolving risks. The company’s diverse business lines offer its global customers a wide range of coverage in the auto, home and business settings. Travelers is a Fortune 100 company, with 2007 revenues of approximately $26 billion. The company has more than 33,000 employees. For more information on being in-synch, visit www.travelers.com.

*A discount of up to 10% applies only to certain coverages. The discount may not be available in all states and is subject to individual eligibility.

Boat Tips for Spring/Summer 2011

Paul Fisher Insurance Services advises boaters to take necessary precautions to be safe during the summer season, the time of year when boat accident claims increase in frequency by 45 percent, according to a recent analysis of claims incidence at Travelers, a leading provider of boat and yacht insurance.
“Substantially more people are on the water during the summer, so that is the time boaters should be extra careful to protect their family, friends and watercraft from a loss,” said Paul Fisher of Paul Fisher Insurance Services. “It’s also a good time to review your boat and yacht insurance with an independent agent to be sure you have adequate coverage.”
Paul Fisher Insurance Services recommends the following boat safety tips:
• Wear a life jacket: 80 percent of drowning victims were not wearing a PFD (Personal Flotation Device) or life jacket. Most states require that children under a certain age wear a life jacket and that every boat be equipped with one life jacket per passenger.
• Take a boating course: Even if your state does not mandate the completion of a boating course prior to obtaining your boating license, both you and your passengers will benefit from a formalized course. To learn more about boating safety classes, visit www.cgaux.org/cgauxweb/classes/master.shtml.
• Schedule a vessel safety check: The Coast Guard auxiliary offers free safety checks. For more information, visit www.vesselsafetycheck.org/getvsc or call 1-800-368-5647.
• Equip your boat with an emergency kit and be familiar with how to use each of the items. Travelers recommends including the following: fire extinguisher, first aid kit, visual distress signal and/or a Coast Guard-approved throwable PFD, such as a life ring or a horseshoe. Organize an emergency plan and make sure that passengers are familiar with it. Remember to test equipment and be knowledgeable of the suggested guidelines for usage and replacement.
• Be prepared for the weather: Check the weather forecast before going on the water and be equipped for changes.
• Know where you are: The Coast Guard recommends having charts, a GPS (Global Positioning System) and a reliable means of communication on board.
• Know how to contact the Coast Guard: Marine radio is the preferred method to communicate on the water because it broadcasts to other boaters in the vicinity. If using a cell phone on the water, test it for a maritime emergency by dialing *CG (*24). There is no charge or penalty for calling to test the signal.
• Do not drink and drive: According to the Coast Guard, a boat operator with a blood alcohol level of .10 percent is 10 times more likely to be killed in a boating accident than a boat operator with a blood alcohol level of zero. Operating a boat while drinking is illegal in several states. Remember that the effects of alcohol are exacerbated when combined with sun exposure and being on the water.
Established in 1983, Paul Fisher Insurance Services is an independent insurance agency offering a full range of insurance products including Auto, Life, Home, Business Owners, Equipment Leasing, and more.
For information and quotes on insurance coverage, please visit
Paul Fisher Insurance Services at 3967 William Penn Highway Suite 3, Murrysville, PA 15668 or call (724)519-7503.

About Travelers
Travelers understands that life and business are inherently dynamic and that the best way to serve agents and policyholders is to deliver insurance that evolves to stay in-synch with life and business as they change. For more information on being in-synch, visit www.travelers.com.
The Travelers Companies, Inc. (NYSE: TRV) is a leading property casualty insurer selling primarily through independent agents and brokers. The company’s diverse business lines offer its global customers a wide range of coverage in both the personal and commercial settings, including automobile, homeowners, construction, small business, oil and gas, ocean marine, surety and management liability, global technology and public sector services. Travelers is a Fortune 100 company, with 2007 revenues of $26 billion and total assets of $115 billion. The company has approximately 33,000 employees.

Spring Maintenance Tips to Protect Your Home

A home is one of life’s most important investments. Keeping it properly maintained can help reduce the risk of a loss and help ensure the safety and well being of friends and family. Just in time for spring, Paul Fisher Insurance Services and Travelers, a leading provider of auto and homeowners insurance, offer these maintenance tips to prepare your home for warmer weather and to keep it safe year-round:

• Inspect your smoke detectors. Make sure that there is one on each floor of your home. Test them and change the batteries at least every six months, when you change your clocks.
• Check the light bulbs in all your fixtures to be sure that they are the correct wattage as recommended by the manufacturer.
• Replace lamps that use high-producing bulbs (such as halogen) with those that use fluorescent bulbs and operate at much cooler temperatures.
• Check your electrical outlets for potential fire hazards such as frayed wires or loose-fitting plugs. Be sure not to overload electrical outlets, fuse boxes, extension cords or any other power service.
• Keep a multi-purpose fire extinguisher accessible that is filled and ready for operation.
• Have your air conditioning system inspected by a professional as recommended by the manufacturer.
• Check for damage to your roof, and clean gutters and downspouts to keep debris from accumulating.
• Check your water heater for leaks and corrosion, and keep surrounding area clear.
• Clean and/or replace your furnace filter.
• Clean the clothes dryer exhaust duct and space under the dryer. Remove all lint, dust, and pieces of material or cloth.
• Inspect washing machine hoses and replace hoses that show signs of wear or leakage with stronger reinforced hoses. Turn off the water when not in use to prevent water damage if a hose breaks.
• In your yard, remove all dead trees and keep healthy trees and bushes trimmed and away from utility wires. Do not attempt to remove tree limbs from power lines yourself. Instead, call your power company to request assistance.
• Safely store oil and gas for lawn equipment and tools in a vented, secured area.
• Repair driveway and walkways that are cracked, broken or uneven to provide a level walking surface.

Established in 1983, Paul Fisher Insurance Services is an independent insurance agency offering a full range of insurance products including Auto, Home, Life, Equipment Leasing, Business Owners Insurance, Wedding Protection, Special Occasion Protection, and much more!

For information and quotes on insurance coverage, please visit
Paul Fisher Insurance Services at 3967 William Penn Highway Suite 3, Murrysville, PA 15668 or call (724)519-7503.

About Travelers
Travelers understands that life and business are inherently dynamic and that the best way to serve agents and policyholders is to deliver insurance that evolves to stay in-synch with life and business as they change. For more information on being in-synch, visit www.travelers.com.
The Travelers Companies, Inc. (NYSE: TRV) is a leading property casualty insurer selling primarily through independent agents and brokers. The company’s diverse business lines offer its global customers a wide range of coverage in both the personal and commercial settings, including automobile, homeowners, construction, small business, oil and gas, ocean marine, surety and management liability, global technology and public sector services. Travelers is a Fortune 100 company, with 2007 revenues of $26 billion and total assets of $115 billion. The company has approximately 33,000 employees.

Homeowners Insurance Claim

Homeowners Insurance Claim on wiseGEEK:

* If they feel strongly enough that the insurer is breaking insurance claim law, consumers can also pursue lawsuits. Some attorneys specialize in insurance claim law and dedicate themselves to what is called insurance recovery law.

* The types of insurance coverage disputes may involve areas as divers as health, automobile, or homeowners insurance claims and will determine how a dispute is handled. Some insurance policies might include exclusions which can limit or disallow restitution for damages sought in a claim.

via Homeowners Insurance Claim.

What is an Insurance Claim?

An insurance claim is the actual application for benefits provided by an insurance company. Policy holders must first file an insurance claim before any money can be disbursed to the hospital or repair shop or other contracted service. The insurance company may or may not approve the claim, based on their own assessment of the circumstances.Individuals who take out home, life, health, or automobile insurance policies must maintain regular payments called premiums to the insurers. Most of the time these premiums are used to settle another person’s insurance claim or to build up the available assets of the insurance company. But occasionally an accident will happen which causes real financial damage, such as a automobile wreck or a tornado or a work-related accident. At this point the injured policy holder has the right to file an insurance claim in order to receive money from the insurance company.

via What is an Insurance Claim?.

Winter Driving Safety Tips

Driving safely on icy roads

  1. Decrease your speed and leave yourself plenty of room to stop. You should allow at least three times more space than usual between you and the car in front of you.
  2. Brake gently to avoid skidding. If your wheels start to lock up, ease off the brake.
  3. Turn on your lights to increase your visibility to other motorists.
  4. Keep your lights and windshield clean.
  5. Use low gears to keep traction, especially on hills.
  6. Don’t use cruise control or overdrive on icy roads.
  7. Be especially careful on bridges, overpasses and infrequently traveled roads, which will freeze first. Even at temperatures above freezing, if the conditions are wet, you might encounter ice in shady areas or on exposed roadways like bridges.
  8. Don’t pass snow plows and sanding trucks. The drivers have limited visibility, and you’re likely to find the road in front of them worse than the road behind.
  9. Don’t assume your vehicle can handle all conditions. Even four-wheel and front-wheel drive vehicles can encounter trouble on winter roads.

If your rear wheels skid…

  1. Take your foot off the accelerator.
  2. Steer in the direction you want the front wheels to go. If your rear wheels are sliding left, steer left. If they’re sliding right, steer right.
  3. If your rear wheels start sliding the other way as you recover, ease the steering wheel toward that side. You might have to steer left and right a few times to get your vehicle completely under control.
  4. If you have standard brakes, pump them gently.
  5. If you have anti-lock brakes (ABS), do not pump the brakes. Apply steady pressure to the brakes. You will feel the brakes pulse — this is normal.

If your front wheels skid…

  1. Take your foot off the gas and shift to neutral, but don’t try to steer immediately.
  2. As the wheels skid sideways, they will slow the vehicle and traction will return. As it does, steer in the direction you want to go. Then put the transmission in “drive” or release the clutch, and accelerate gently.

If you get stuck…

  1. Do not spin your wheels. This will only dig you in deeper.
  2. Turn your wheels from side to side a few times to push snow out of the way.
  3. Use a light touch on the gas, to ease your car out.
  4. Use a shovel to clear snow away from the wheels and the underside of the car.
  5. Pour sand, kitty litter, gravel or salt in the path of the wheels, to help get traction.
  6. Try rocking the vehicle. (Check your owner’s manual first — it can damage the transmission on some vehicles.) Shift from forward to reverse, and back again. Each time you’re in gear, give a light touch on the gas until the vehicle gets going.

Cheap Homeowners Insurance

There are many ways you could start saving on homeowners insurance. Below are the top fifteen ways that can put money back into your pocket.

1. First, you should shop around. You will be amazed how many companies out there offer homeowners insurance. There are many ways you could shop around. You could search online, ask your friends and family, or just simply open up the yellow pages and start making some phone calls. By shopping around you are sure to find the best rate available to you.

2. Next, you could raise your deductible. The higher your deductible is, the less you need to pay for homeowners insurance. The deductible is the amount you need to pay if something does happen to your home. If you are going to raise the deductible, just make sure you could afford to pay that in case of an emergency. The more your deductible is, the higher percentage you will save. Most deductibles start at $250, if you raise it to $500 you could save up 12%, raise it to $1,000 save up to 24%, raise it to $2,500 and save up to 30%, raise it to $5,000 and save up to 37%, and so forth.

3. Another way to save is to combine your policies with one company. For example, if you have car insurance and home owners insurance on two different companies, see if one of those companies will offer the other type of insurance. Most insurance companies offer both home and auto insurance. By simply putting both policies with one company you could be saving a lot of money.

ways to save money on homeowners insurance

4. Fourth, think about the insurance when purchasing a home. A lot of different factors go into determining how much you will pay for homeowners insurance. For example, if your home is newer, the insurance will most likely cost less. If the structure of the home is in good condition, than the insurance will not be as costly as an older home with bad structure. Also, the location of a home is important as well. Make sure your home is built for the geographical location it is in. This could make a big difference on the price of your homeowners insurance policy.

5. Next, make sure you leave out the value of your land when insuring your home. Including the land could make the homeowners insurance a lot more expensive. When you are estimating the value of your home, keep that in mind. The values of your home are at risk for many things, such as a fire or even theft, however the land of your home is not at that high of a risk, therefore does not need to be included.

6. Another great tip is to invest in safety for your home. Just by getting locks, alarms, and smoke detectors you could be saving up to 20% on your plan. The safer your home is, the less it is to insure it. Not only will keeping your home safe save you money, but it will also put you and your family is a better environment.

7. You could also save on homeowners insurance by simply stop smoking. If no one in your home smokes, than you will most likely receive a discount. The reason behind this is that more than twenty thousand residential fires last year were started due to smoking. Insurance companies keep this in mind and discount those who do not smoke.

8. Also, if you stick with your insurer you could get a larger discount. Every year you are with the same company they may lower your rates. You could also save by checking homeowners insurance policies annually. One year your company may be better than the next, while the next year the rates may have changed.

9. You could also ask about other discounts that homeowners insurance companies may offer. Senior discounts and group discounts are two other ways that could save you money when it comes to homeowners insurance.

10. A few other ways to save on homeowners insurance is to stick with the private companies, pay over the computer, check your credit rating before purchasing insurance, and getting replacement-cost coverage.

While the list of how to save on homeowners insurance can go on and on, these are just the top ten things you should look for when looking to buy.

via Cheap Homeowners Insurance.

Home insurance – Wikipedia

Home insurance, also commonly called hazard insurance or homeowner’s insurance (often abbreviated in the real estate industry as HOI), is the type of property insurance that covers private homes. It is an insurance policy that combines various personal insurance protections, which can include losses occurring to one’s home, its contents, loss of its use (additional living expenses), or loss of other personal possessions of the homeowner, as well as liability insurance for accidents that may happen at the home or at the hands of the homeowner within the policy territory. It requires that at least one of the named insureds occupies the home. The dwelling policy (DP) is similar, but used for residences which don’t qualify for various reasons, such as vacancy/non-occupancy, seasonal/secondary residence, or age.

It is a multiple-line insurance, meaning that it includes both property and liability coverage, with an indivisible premium, meaning that a single premium is paid for all risks. Standard forms divide coverage into several categories, and the coverage provided is typically a percentage of Coverage A, which is coverage for the main dwelling.[1]

The cost of homeowner’s insurance often depends on what it would cost to replace the house and which additional riders—additional items to be insured—are attached to the policy. The insurance policy itself is a lengthy contract, and names what will and what will not be paid in the case of various events. Typically, claims due to floods or war (whose definition typically includes a nuclear explosion from any source), amongst other standard exclusions (like termites), are excluded. Special insurance can be purchased for these possibilities, including flood insurance. Insurance should be adjusted to reflect replacement cost, usually upon application of an inflation factor or a cost index.

The home insurance policy is usually a term contract—a contract that is in effect for a fixed period of time. The payment the insured makes to the insurer is called the premium. The insured must pay the insurer the premium each term. Most insurers charge a lower premium if it appears less likely the home will be damaged or destroyed: for example, if the house is situated next to a fire station; if the house is equipped with fire sprinklers and fire alarms; or if the house exhibits wind mitigation measures, such as hurricane shutters. Perpetual insurance, which is a type of home insurance without a fixed term, can also be obtained in certain areas.

via Home insurance – Wikipedia, the free encyclopedia.

What is Mortgage Insurance?

As a loan officer who has over one thousand loan closings within the last five years, I have fielded numerous questions from first time home buyers, but the question most asked has to do with mortgage insurance: what is it, why do I have to have it, and how long do I have to keep paying it?

Mortgage insurance is a financial guaranty for the lender that will help to reduce or eliminate a loss in the case of a default by the borrower, and it is almost universally required on loans where there is less than twenty percent equity. That means if you are purchasing a home with less than twenty percent down or refinancing to more than eighty percent of your homes value, you are going to be required to pay mortgage insurance. In other words, mortgage insurance spreads the risk between the lender and the insurance company.

The next question I get about mortgage insurance is, “Why do I have to have it?” The answer to that is simple: without mortgage insurance, many lenders would not be able or willing to accept the risk of lending without having twenty percent equity, making it significantly more difficult for customers to purchase a home, or use their home equity to consolidate debt or make an addition to their home. So while it may seem like you do not gain any advantage by having to pay mortgage insurance, it may be the factor that is allowing you to gain approval for your loan. In addition, a bill was passed in 2007 that allows people to write off their mortgage insurance on your taxes, just like you would for the mortgage interest that you pay. There are income restrictions on this provision, so check with a tax professional to see if this would benefit you.

Finally, the question comes up, “When can I stop paying mortgage insurance?” The answer to that will vary depending upon how your mortgage is worded, but there are a few general guidelines that are pretty universal. If you have a conventional mortgage, you are going to need to pay the mortgage insurance for at least the first year of your loan. If you have paid down the balance below eighty percent of the original purchase price or value, you can send a written request for the lender to remove the insurance (a lot of contracts say you can request the removal at eighty percent, they are required to remove it when the balance gets to seventy-eight percent). Some lenders will also allow you to pay for an appraisal, and if your home has risen in value to give you the twenty percent equity, they will also remove it. If you have an FHA guaranteed loan, you are going to be required to pay the monthly mortgage insurance for at least the first five years of the loan, and in order to have it removed you need to have the loan balance down to eighty percent of the original purchase price or value; they will not allow you to go off of what the appraised value is.

Mortgage insurance may seem to be an unnecessary monthly cost to many first time home buyers, but it is in fact what allows most people to purchase their first home. With the law that allows homeowners to write this cost off their taxes, it has become a little more consumer friendly as well.

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