What To Do After An Accident

Raymond Nelson Insurance has all the steps you should take and information you should know if you’re involved in a minor accident

 

Stay calm

  • Fear, panic, and shock are common emotions one might experience after being involved in an accident.
  • Take a few deep breaths to try and calm yourself down.

 

Check yourself for injuries

  • Examine your body for any cuts, sprains, or fractures.
  • If you discover any injuries and are able to, call 911 for help.
  • If you are able to move, get out and move away from the vehicle.

 

Check on passengers and other vehicle’s occupants

  • The well-being of others is just as important as yours, so if you’re able to, check on the others involved in the accident.
  • If anyone is injured, call 911 immediately.

 

Call and talk to the police

  • Tell the police exactly what happened or at least to the best of your knowledge.
  • Honesty is key and there may be street cams or witnesses so it’s not worth it to lie or twist the real story.

 

Exchange information

  • When two or more people are involved, take down the following information from the other drivers.
    • Driver’s license and plate number.
    • Full name and contact information of everyone involved.
    • Type, model, and color of the car or cars involved.

 

Take pictures

  • Use your cell phone to take pictures of
    • All vehicles involved in the accident
    • All damage from different angles
    • Any personal injuries

 

Get a report

  • The police officers should likely draft a police report which you can request.
  • If they don’t, start writing down additional information such as
    • Date and time of the accident
    • Location
    • Names of witnesses
  • These pieces of information can be helpful when getting insurance claims settled.

 

Call your insurance company

  • Do this from the scene of the accident.
  • Your insurance company may have specific information they will want you to take note of.
  • This will help in easing the stress during your insurance claim process.
  • They will also inform you of the best options to take.

 

At Raymond Nelson Insurance, we go the extra mile to find you the coverage that best protects what matters most, the business you’ve built, and the people you love. We always take the time to get to know each client and serve their best interests. Give us a call today at (270)885-1800 or contact us for more information.

Receptionist

Receptionist for Hopkinsville, KY Office.

Essential Functions/Major Responsibilities:
  • Answer and direct incoming calls in a pleasant voice and manner.
  • Maintain standards for telephone activity, such as:
  • Efficiency in answering calls
  • Maintaining guidelines for promptness such as 3 rings maximum     for incoming calls.
  • Greet and direct public in a pleasant and friendly manner.
  • Prepare routing slips for UPS, FedEx, etc.
  • Perform miscellaneous projects at management’s request.
  • Keep daily and weekly record of customer related activity.
  • Maintain status of office staff throughout the day.
  • General office duties such as:
    • Order supplies
    • Keep lobby neat
    • Assist bookkeeper with commission statements
    • Distribute faxes and emails.
    • Take payments from customers and keep records.
    • Attach files in computer systems
    • Sort and distribute mail daily
    • Print ID cards and Certificate of Insurance for customers.
    • Distribute overnight voicemail messages.
    • Prepare deposits and balance.
    • Run errands to Post Office, Bank and Walmart, etc.
    • Enter Direct Bill Statements in computer system and balance.
Secondary Functions:
  • Assumes responsibility for related duties as required or assigned.
  • Ensures that work area is clean, secure, and well maintained.
  • Performs and meets timeframe for special requests and projects at manager’s request.
Skills/Abilities:
  • Strong oral communication abilities.
  • Training/development skills required.
  • Able to organize, coordinate and direct work flow.
  • Able to use all related hardware and software.
Email resume to:

wanda@rnelsoninsurance.com

 

How to Avoid Common Car Crash Scams

According to the National Insurance Crime Bureau (NICB), insurance fraud is the second-most costly form of white-collar crime in America. Raymond Nelson Insurance wants to give you some tips on the different types of scams and how to avoid them.

Scammers see car insurance as an opportunity to make money from unsuspecting victims. One act they follow is by staging accidents.

The Swoop and Squat

  • Two vehicles trap a victim in a rear-end collision.

The Drive Down

  • The scammer will signal for the victim to turn or merge at an intersection.
  • When the victim starts turning, the scammer will speed up enough to cause a crash.

The Sideswipe

  • In some intersections, the borders of the inner and outer turn lanes are unclear. 
  • The scammer will occupy the outer lane then sideswipe the victim’s car as they are turning.
  • Because of the ambiguous lane division, the scammer will claim the victim caused the accident.

Panic Stop

  • A vehicle intentionally watches for the car behind them to become distracted and then slams on their brakes, causing the tailing vehicle to rear-end them.

How to protect yourself

  • Make sure you keep a reasonable distance between yourself and the other cars.
  • If you do get in an accident, call the police and request an official report with the officer’s name.
    • A report makes it difficult for scammers to damage their car after the accident and file a larger claim.
    • Take photos of any damage from all angles and pictures of the other people involved.

At Raymond Nelson Insurance, we go the extra mile to find you the coverage that best protects what matters most, the business you’ve built, and the people you love. We always take the time to get to know each client and serve their best interests. Give us a call today at (270)885-1800 or contact us for more information.

Keep Your Family Safe During 4th of July!

The 4th of July is the perfect time to enjoy family and friends. Raymond Nelson Insurance has some tips on keeping everyone safe during this holiday season

Fireworks Safety

  • Never try to make your own fireworks.
  • Don’t point sparklers or fireworks at yourself or others.
  • Only light fireworks on the ground and in areas that are fire-resistant.
  • Keep fireworks away from children.
  • Don’t attempt to light multiple fireworks or sparklers.
  • If fireworks malfunction, don’t relight them. 
  • Always keep a fire extinguisher, a bucket of water, or a water hose nearby.
  • Keep pets inside where it’s familiar and quiet.


Water Safety

  • On a boat
    • Never consume alcohol while driving a boat.
    • Make sure there is a life preserver for each passenger.
    • Review safe boating practices.
  • By the pool
    • Set water safety rules for your family.
    • Keep the pool completely fenced.
    • Consider wireless outdoor sensors that will alert you when the sensors are activated.
    • Keep a first aid kit near the pool.


Grilling Safety

  • Check gas grill hoses for cracks and leaks
  • Keep children away from grills especially with propane tanks.
  • Never grill indoors or any enclosed area.
  • Keep the grill at least 2 feet away from decks, siding, branches, and other outdoor equipment. 


We at Raymond Nelson Insurance want you and your family to have a safe and happy Fourth of July. 

At Raymond Nelson Insurance, we go the extra mile to find you the coverage that best protects what matters most, the business you’ve built, and the people you love. We always take the time to get to know each client and serve their best interests. Give us a call today at (270)885-1800 or contact us for more information.

Safe Driving Tips for Memorial Day Weekend

Memorial Day is a huge travel weekend and RNI wants you and your family to stay safe! Here are a few tips to keep in mind for a fun but safe weekend

According to the National Safety Council, an average of 358 fatal accidents happen per year during the Memorial Day weekend. Protect your family with these tips:

Avoid driving under the influence or if tired
  • Never drive while intoxicated or under the influence of alcohol or drugs.
  • Avoid driving if you’re tired, drowsy, or impaired in any way.

 

Take your car in for routine maintenance
  • Get your oil changed, especially if you can’t remember the last time you did.
  • Check your tire pressure.
  • Make sure you have windshield wiper fluid and test your wipers to make sure they’re working properly.

 

Practice safe driving
  • Always wear your seat belt and make sure all passengers are buckled up as well.
  • Observe speed limits and traffic signals.
  • Maintain a safe distance from the car in front of you.

 

Focus on driving
  • Distracted driving accounts for an increased number of accidents. Distractions include:
  • Talking to passengers.
  • Changing the radio station.
  • And TEXTING. Never text while driving!
Be Prepared
  • Have an emergency kit in your vehicle that includes:
    • Water
    • A first-aid kit
    • Flashlight
    • Blanket
    • Map
    • Roadside safety kit

 

Never leave kids unattended
  • Leaving children in your car for even a few minutes while running into the store can be dangerous. Temperatures inside an automobile can increase to deadly levels quickly.

 

Get plenty of sleep before driving
  • Get at least seven hours of sleep before beginning your trip.
  • Take breaks along the way to stay fresh and alert.

 

Pack healthy road trip snacks
  • Carrots and almonds are two filling, healthy options to help you avoid stopping for fast food.

 

Stay hydrated
  • Make sure you drink plenty of water for maximum energy.
    • Of course, you may have to stop more often for bathroom breaks!

Above all, we at Raymond Nelson Insurance want you to have a safe and happy holiday weekend. 

At Raymond Nelson Insurance, we go the extra mile to find you the coverage that best protects what matters most, the business you’ve built, and the people you love. We always take the time to get to know each client and serve their best interests. Give us a call today at (270)885-1800 or contact us for more information.

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Safe Gift-Giving Guide

December is National Safe Toys and Gifts Month, a campaign aimed at raising awareness about choosing safe and age-appropriate toys to prevent accidents and injuries. Safe Gift-Giving Guidelines Follow these tips to prioritize safety when selecting toys:   Check Age Recommendations: Always adhere to the manufacturer’s recommended age range on toy packaging. Toys intended for … Continue reading “Safe Gift-Giving Guide”

Are You Protected Against Common Thanksgiving Accidents?

Thanksgiving brings people together, but it can also bring some unexpected mishaps! Fortunately, many insurance policies cover common Thanksgiving accidents. Here’s a rundown of what types of incidents might be covered: Kitchen Fires and Cooking Accidents Homeowners Insurance: If a kitchen fire or cooking accident damages your home, your homeowner’s policy typically covers fire damage, … Continue reading “Are You Protected Against Common Thanksgiving Accidents?”

Homeowners Insurance and Halloween Mishaps

Halloween is one of the most exciting times of the year, especially for children. With more people walking around your property, the chances of accidents—like someone tripping on a decoration or falling on your porch—can increase. Does your homeowners insurance cover a Halloween mishap? Fortunately, if you’re a homeowner, your insurance policy may provide important … Continue reading “Homeowners Insurance and Halloween Mishaps”

How Often Should You Review Your Insurance?

A good rule of thumb is to review your insurance at least once a year. Now is a great time to review insurance before the hustle and bustle of the holiday season. Benefits of Regularly Reviewing Your Insurance: Avoid Gaps in Coverage: Life is unpredictable, and failing to review your insurance regularly could leave you … Continue reading “How Often Should You Review Your Insurance?”

Insurance Coverage for College-Bound Children

Does my child need insurance in college? Here are some tips for ensuring your college-bound children have the right insurance coverage: Health Insurance Stay on Parent’s Plan: Under the Affordable Care Act, children can stay on their parent’s health insurance plan until they turn 26. Student Health Plans: Many colleges offer student health insurance plans … Continue reading “Insurance Coverage for College-Bound Children”

How Does Having a Pool Affect Your Homeowner’s Insurance?

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The History of Our Agency

Do you know how Raymond Nelson Insurance Agency first got our start?  Read about the history of our agency in our latest blog. 1971 – Door-to-Door Insurance In 1971, Mr. Raymond Nelson was living in Hopkinsville, KY, selling life insurance door-to-door. His dedication and commitment to helping people protect their futures saw him build strong … Continue reading “The History of Our Agency”

Does My Homeowners Insurance Cover My Yard?

Homeowners insurance typically covers the structure of your home, personal belongings, and liability, but is there insurance for your yard? Your policy may have limited coverage for landscaping. Basic policies usually cover landscaping only to a certain extent and it may be conditional to covered perils. What does homeowners insurance cover? Yard Your yard may … Continue reading “Does My Homeowners Insurance Cover My Yard?”

Does My Insurance Cover Home Renovations?

Your homeowner’s insurance may provide coverage for minor renovations you made to your home before a covered loss. However, if your renovations include things like adding a room or installing a pool, your policy may need to be updated to provide additional coverage. What does homeowners insurance cover? Typical homeowners insurance policies protect your home … Continue reading “Does My Insurance Cover Home Renovations?”

Why & When You Should Review Your Coverage

It is critical to review your insurance coverage regularly to help ensure that your property, your possessions, and your loved ones are well protected. Here are a few reasons why and how often you should review your insurance coverage: Life Changes: Significant life events such as marriage, divorce, the birth or adoption of a child, … Continue reading “Why & When You Should Review Your Coverage”

Protect Your Property From Frozen Pipes

During these winter months, we want to bring to your attention the increased risk of frozen pipes in residential properties. Frozen pipes can lead to significant damage and result in costly repairs, which may only be covered if preventive measures are taken. To ensure the safety of your property and the preservation of your coverage, … Continue reading “Protect Your Property From Frozen Pipes”

Are You Winter Weather Prepared?

This time of year, it’s crucial to ensure that you and your loved ones are prepared for the challenges that winter weather can bring. Here are some essential tips to help you stay safe and comfortable during the winter months: Bundle Up:  Dress in layers to trap body heat and protect yourself from the cold. … Continue reading “Are You Winter Weather Prepared?”