Teen Driver Safety Week: Oct 19-25, 2014
It’s an exciting time in a teen’s life. The conversation among friends between classes and during lunch generally involves questions about who will drive to the ball game, what’s happening Friday night and when are you getting your driver’s license? “While it is a giant step toward independence for our young drivers, it is so important for parents to set the rules before their teen gets behind the wheel,” said Ray Farmer, Director of the South Carolina Department of Insurance.
Motor vehicle crashes are the leading cause of death for teens between the ages of 14-18 in the United States. Last year there were 767 deaths on South Carolina roads and 26 of these were teenagers. This year alone, South Carolina has already lost 37 teens to traffic accidents. “It’s important to understand that driving is a privilege, not a right for all drivers on the road,” Director Farmer said. Teen Driver Safety Week is a great opportunity for parents to talk with their teens about the risks they face when driving. Now is the time to lay some ground rules for safe driving. Safe driving rules should include the following:
• No drinking and driving.
• Buckle up! Every Trip. Every time. Front Seat and Back. It’s the law.
• Put it down. One text or call could wreck it all.
• Stop speeding before it stops you.
• No more than one passenger at a time.
It is a good idea to set up a driving contract with your teen that outlines their duties and responsibilities when driving and caring for a vehicle. Be sure to include hours which the teen can and cannot drive and the number of miles the teen is allowed to drive per day or week. This contract should be signed by both parents and teens. A copy of a sample contract can be found at this link, http://www.insureuonline.org/teen_driver_contract.pdf.
Adding a teen driver to your insurance policy can be expensive. Be sure that you and your teen driver understand how even minor accidents can drive costs upward. Consider the following tips:
• Maintain good driving habits and avoid accidents and moving violations. Many companies grant discounts to drivers whose records have been clean for three or more years.
• Have your teen take a defensive driving course. Some companies offer premium discounts if your teen completes one.
• Encourage your teen to maintain a good grade point average. Many insurance companies offer discounts or preferred rates for teens who maintain good grades.
Advisory Board- Associated Auto Insurers Plan of SC
2014 Storm Ready Expo
The South Carolina Department of Insurance in partnership with The Home Depot, Channel 2, WCBD-TV of Charleston, state and local agencies and businesses is hosting a one-day event for homeowners in the greater Charleston area. This outdoor fair will provide homeowners the information and tools that they need to prepare for the upcoming hurricane season which begins June 1, 2014 and runs until November 30, 2014.
“This is a terrific opportunity for the community to come out and learn valuable cost saving and life safety information that will help them not only prepare for this year’s storm season but will arm them with the knowledge that will help them prepare their homes and property for years to come,” said Ray Farmer, Director of the South Carolina Department of Insurance. “Everyone should come out and talk with the representatives from the various organizations.”
WHAT: Storm Ready Preparedness Expo
WHEN: Saturday, May 31, 2014
10:00 a.m.-1:00 p.m.
WHERE: West Ashley Home Depot
2008 Magwood Road
Charleston, SC 29414
Representatives will be on hand to provide free demonstrations regarding mitigation and retrofit measures to include the installation of storm shutters, gable-end bracing and code plus roof retrofit techniques. Insurance companies and agencies will be available to talk about insurance coverage and the ways that homeowners can prepare to reduce future losses as well as ways to expedite the claims process after a disaster.
Local, state and national organizations to include The Red Cross, The United States Coast Guard, Charleston County Project Impact, Charleston County Fire and Police and others will be on hand to provide safety and preparedness information. There will activities for the children to include a Home Depot Build It session along with a bounce house and other fun activities.
Channel 2 Chief Meteorologist, Rob Fowler and his team will be on hand to answer questions about the upcoming hurricane season and to help homeowners program their weather radios. Door prizes will be given away and food and drinks will be available.
Roofing/Siding/Windows Consultants- Home Depot
Charleston County Emergency Management Services
United States Coast Guard
Charleston County Building Services/ Flood Mitigation Program
Charleston County Project Impact
The Red Cross
Charleston Community Emergency Response Team (CERT)
State Farm Insurance Companies
South Carolina Insurance News Service
SC Department of Insurance, Division of Consumer Services
SC Safe Home
South Carolina Wind and Hail Underwriting Association
Federal Alliance for Safe Homes
Middle Branch Construction, LLC
Charleston County Humane Society/ Pet Helpers
Georgetown County Emergency Management
Cat 5 Houses
Charleston County Police, Fire and EMS
Lowcountry Hurricane Protection and Shutters
CT Lowndes Agency
Coastal Property Insurance Marketplace Annual Public Information Session and Public Hearing
WHAT: South Carolina Department of Insurance Coastal Property Insurance Marketplace
Information Session and Public Hearing
WHEN: Thursday, May 29, 2014
5:30 7:00 p.m. Information Session
7:05- 7:30 p.m. Public Input Session and Hearing
WHERE: Buyer Auditorium
Mark Clark Hall
The Citadel, the Military College of South Carolina
171 Moultrie Street, Charleston, SC 29409
For additional information please contact Ann Roberson via phone, 803-737-6207 or e-mail, firstname.lastname@example.org .
Public Hearing Notice
NOTICE OF PUBLIC HEARING
The South Carolina Department of Insurance will hold a public hearing in accordance with the requirements of Section 38-75-310(7),Thursday, May 29, 2014, 5:30-7:30 p.m. at Buyer Auditorium, 2nd floor of Mark Clark Hall. Mark Clark Hall is located on the campus of The Citadel, The Military College of South Carolina which is located at 171 Moultrie Street, Charleston, SC 29409.
The purpose of this hearing is to provide an opportunity to discuss and offer input concerning the status of the coastal property insurance market in South Carolina. The telephone number for general information for The Citadel, The Military College of South Carolina is 843-225-3294. For questions concerning the hearing, please contact the SC Department of Insurance 1-800-768-3467.
As posted in the Friday, April 25, 2014 editions of The Post and Courier, The Island Packet, The Beaufort
Gazette and The Sun News.
For questions regarding this information, please contact Ann Roberson at 803-737-6207.
South Carolina Department of Insurance Offers Consumer Information in Observance of Severe Weather
Columbia- South Carolina observes Severe Weather Awareness Week March 2-8, 2014. Insurance Director Ray Farmer reminds homeowners of important insurance information and tips that will help protect their property from tornadoes, flooding and other weather-related hazards.
Tornadoes can occur at any time during the year but tend to hit in the early spring months of March, April and May. “We need to prepare and plan now for potential threats from tornadoes and severe wind events,” said Ray Farmer, Director of the South Carolina Department of Insurance.
The Department offers these reminders and helpful tips:
A standard homeowner's insurance policy covers damage from high winds and tornadoes. However, it does not cover damage from flooding. You will need to purchase a separate policy for flood insurance which is administered through The National Flood Insurance Program. Speak with your agent/producer to learn more about this program or visit www.floodsmart.gov for more information.
Now is the time to make an inventory of your property. Make a list of all valuables, furniture, electronics, etc., and photograph or videotape your possessions. Keep copies of the list, photographs and videotape in a safe place outside your home. If your home is damaged or destroyed in a natural disaster, it may be difficult for you to tell your insurance agent what you lost without proof. You may also download the following free app to make an inventory of your belongings using your smart phone device, http://itunes.apple.com/app/myhome-scr-app-book/id414273863?mt=8.
Should you experience damage or loss due to a severe weather event, contact your insurance agent or company as soon as possible. Your agent or company should provide you with insurance claims forms, toll-free claims office numbers and assist you in making arrangements for an adjuster to visit your property or to look at your vehicle.
Secure your property and make temporary repairs to protect it from further damage. Be careful when inspecting your property as fallen debris can be hazardous. Be sure to keep all receipts for materials used for repairs.
Call the Department’s Consumer Services Division at 803-737-6180 or 1-800-768-3467 (toll-free in South Carolina) if you have questions about a claim or are having difficulty contacting your insurance agent or company. Consumer Analysts are available to take your call Monday – Thursday 8:00 a.m.-6:00 p.m. and Friday 8:00 a.m.-5:00 p.m. Additionally, for those consumers living in the greater Charleston area, you may contact our Charleston office by calling 843-577-3415, Monday-Friday 8:30 a.m. -5:00 p.m. You may also contact the division via e-mail by using the following address: email@example.com .
Consumer Outreach Assistance for Aiken County Residents
The South Carolina Department of Insurance will have consumer analysts available Wednesday, February 19, 2014 and Thursday, February 20, 2014 from 10:00 a.m.- 5:00 p.m. to assist with insurance related questions and concerns in response to this past week’s severe winter ice and snow storm. Details of our outreach assistance event are outlined below:
WHAT: Consumer Outreach Assistance for Aiken County Residents
WHEN: Wednesday, February 19, 2014
10:00 a.m. -5:00 p.m.
Thursday, February 20, 2014
10:00 a.m. - 5:00 p.m.
WHERE: Aiken County Council Chambers
736 Richland Avenue, West
Aiken, SC 29801
For questions regarding this information, please contact the South Carolina Department of Insurance, 803-737-6207 or 803-737-6227.
SC DOI Available to Assist Storm Victims
The extremely cold temperatures, snow and ice that we have experienced as a result of the recent winter storm may have caused damage to homes, businesses and automobiles. If your property has been damaged as a result of this recent round of severe weather it is important to take the following steps:
• Contact your insurance agent or company as soon as possible. Your agent or company should provide you with insurance claims forms, toll-free claims office numbers and assist you in making arrangements for an adjuster to visit your property or to look at your vehicle.
• Secure your property and make temporary repairs to damaged property to protect it from further damage. Be careful when inspecting your property as fallen debris can be hazardous.
• Be sure to keep all receipts for materials used for repairs.
Call our Consumer Services Division at 803-737-6180 or 1-800-768-3467 (toll-free in South Carolina) if you have questions about a claim or are having difficulty contacting your insurance agent or company. Consumer Analysts are available to take your call Monday – Thursday 8:00 a.m.-6:00 p.m. and Friday 8:30 a.m.-5:00 p.m. Additionally, for those consumers living in the greater Charleston area, you may contact our Charleston office by calling 843-577-3415, Monday-Friday 8:30 a.m. -5:00 p.m. You may also contact the division via e-mail by using the following address: firstname.lastname@example.org .