June 17th, 2008

Flood Consumer Tips

Flood Insurance
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What you should know about the National Flood Insurance Program (NFIP)

What is flood insurance?

  • Flood insurance is available through the NFIP in any Ohio community that participates in the program.
  • Your personal insurance agent should be able to tell you if your community qualifies for coverage and if you should consider buying the coverage.
  • NFIP defines flooding as a general and temporary condition where the surface of normally dry land is partially or completely inundated. Two properties or two or more acres must be affected. Flooding can be caused by the overflow of inland or tidal waters, the unusual or rapid accumulation of runoff, mudslides or water currents exceeding normal, cyclical levels.

Tips for purchasing flood insurance

  • Contact your insurance agent or company to inquire about flood insurance. Even though flood insurance is a federal program, private insurance companies sell the policies.
  • The Ohio Department of Natural Resources (ODNR) can also be a source for helping citizens and agents determine if there is a flood hazard area and how the mandatory purchase requirements could impact consumers in those areas.
  • You can purchase flood coverage at any time, even during a flood - provided that your community participates in the NFIP - but there is a 30-day waiting period for the insurance to become effective, so don’t wait until a flood to act.
  • Flood insurance is available to protect homes, condominiums, apartments and non-residential buildings, including commercial structures and their contents.
  • The NFIP offers basement flood coverage for structural elements, essential equipment and other basic items normally located in a basement.
  • The NFIP encourages people to purchase both building and contents coverage for the broadest protection.

Where to get more information about NFIP

Questions or concerns?
The Ohio Department of Insurance regulates agents and companies that are licensed to sell insurance in our state. The Department’s Consumer Services representatives can answer your insurance questions and investigate your complaints about an insurance company or agent. Call 1-800-686-1526.

 

 
50 W. Town Street, Third Floor - Suite 300   Columbus, Ohio   43215
General Info: 614-644-2658  |  Consumer Hotline: 800-686-1526  |  Fraud Hotline: 800-686-1527  |  OSHIIP Hotline

June 17th, 2008

Drivers Ignore Cell Phone Laws

Drivers ignoring cell phone bans

Motorists who use cell phones can be ticketed in several states, but low fines and lax enforcement limit some laws’ effectiveness. Teens may be the biggest offenders.

By Amy RoeNew Jersey urges drivers to “put down the phone.” Virginia tells teens to “hang up and drive.” Increasingly, states are banning drivers from using handheld cell phones, but that doesn’t mean people are listening.

With little knowledge or enforcement of the bans in some states and no insurance penalties for many drivers, it’s not clear whether the laws are much of a deterrent.

Staking out high school parking lots in North Carolina, researchers found the number of teen drivers on cell phones was essentially unchanged after the state banned the practice, according to a study released last week by the nonprofit Insurance Institute for Highway Safety.

Two months before the ban’s December 2006 start, 11% of teen drivers were observed using cell phones as they left school in the afternoon. About five months after the ban went into effect, 12% of teen drivers were spotted using phones.

Girls were more likely than boys to use their cell phones while driving. SUV drivers were more likely than sedan drivers, and solo drivers were more likely than those with passengers, the study said.

Cell phone use remained steady — about 13% — at comparison sites in South Carolina, where teen driver cell phone use isn’t restricted.

Enforcement varies

Motorists caught chatting on a handheld cell can be hit with a ticket in four states — Connecticut, New Jersey, New York and Utah — as well as the District of Columbia. Bans will be effective July 1 in California and Washington state. 

No state bans all types of cell phone use (handheld and hands-free) while driving, but 17 states and the District of Columbia do for novice drivers.

Only two states — Washington and New Jersey — ban text messaging for all drivers, but others are expected to follow, beginning with Minnesota on Aug. 1. A 2008 survey by Nationwide insurance reported that 18% of motorists said they text-messaged while driving.

June 16th, 2008

On You Side Review

A Nationwide “ON You Side review is a free consultation to help you learn how to:

  • Save on insurance with discounts and other programs