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Wednesday weird Insurance News

Wednesday Weird Insurance News:

Okay not so much news this week as a precaution against weird drivers. We all know there are risks to driving, in fact we know that driving is the most risky thing we do every day. However, what about an extreme "weird" risk. do they exist? Yes, here is a prime example we ran across recently, a driver sleeping at the wheel in a Tesla with auto driving capabilities. its a crazy and weird world full of people with bad judgement.

https://www.youtube.com/watch?v=sXls4cdEv7c

ISU Bauknight Insurance operates two Counties in Florida, Hudson, FL (727) 863-5641 and ISU Bauknight Insurance, 10488 Spring Hill Drive, Spring Hill, Fl 34607 (352)-686-0612. They also offer coverage throughout Florida on their website or by calling them direct.

Man's house hit 17 sepearate time by cars

Wednesday Weird News:

Man's house hit by cars 19 times

Fox 5 news, San jose California reported on September 15, 2016 that:

A car crashed into Ray Minter's San Jose home on Monday night. For Minter, it's nothing new. He says it is the 19th time a car has hit his home.

He's lived in the house since the 1950s. He says among the crashes, cars have ended up inside his home four times.

He says this latest crash is one of the worst. He estimates the car was going at least a 100 miles per hour when it went through his fence, two concrete poles and into the garage. It crashed into his Honda Accord.

"First one shocks you. And then, after that, as long as nobody in the house is hurt, you don't care because then everything's gonna get repaired," Minter says.

Minter and his mother were in the house at the time of the accident. They were not hurt but Minter's cat is missing and feared dead.

Minter says the driver in this latest crash appeared to heavily intoxicated by was uninjured.

"We just stay in the back of the house and [laughs] watch everything," Minter says. "Maybe put a ski ramp or something, I don't know."

ISU Bauknight Insurance operates two Counties in Florida, Hudson, FL (727) 863-5641 and ISU Bauknight Insurance, 10488 Spring Hill Drive, Spring Hill, Fl 34607 (352)-686-0612. They also offer coverage throughout Florida on their website or by calling them direct.

Man's House hit by car 17 different times.

Wednesday Weird News:

Man's house hit by cars 19 times

Fox 5 news, San jose California reported on September 15, 2016 that:

A car crashed into Ray Minter's San Jose home on Monday night. For Minter, it's nothing new. He says it is the 19th time a car has hit his home.

He's lived in the house since the 1950s. He says among the crashes, cars have ended up inside his home four times.

He says this latest crash is one of the worst. He estimates the car was going at least a 100 miles per hour when it went through his fence, two concrete poles and into the garage. It crashed into his Honda Accord.

"First one shocks you. And then, after that, as long as nobody in the house is hurt, you don't care because then everything's gonna get repaired," Minter says.

Minter and his mother were in the house at the time of the accident. They were not hurt but Minter's cat is missing and feared dead.

Minter says the driver in this latest crash appeared to heavily intoxicated by was uninjured.

"We just stay in the back of the house and [laughs] watch everything," Minter says. "Maybe put a ski ramp or something, I don't know."

ISU Bauknight Insurance operates two Counties in Florida, Hudson, FL (727) 863-5641 and ISU Bauknight Insurance, 10488 Spring Hill Drive, Spring Hill, Fl 34607 (352)-686-0612. They also offer coverage throughout Florida on their website or by calling them direct.

Reflections of Hurricane Hermine

So after 10 years of no major storm, Florida was guest to a relatively small and weak category 1 hurricane with sustained winds of 55 mph and gusts up to 80 mph, Hermine. By comparison, Hurricane Andrew had sustained winds of 165 mph and pushed with many devastating tornadoes accompanying the storm. Furthering our "luck", it made landfall in St. Marks, a town of 300, avoiding major population areas such as Tampa Bay. Still, here is what the aftermath looks like:

~ 253,000 Floridians had their power knocked out
~ Coastal residents evacuated
~ over 10 inches of rain with storm
~ Hermine caused coastal Flooding in pasco, Hernando,Citrus Levy, Dixie, And taylor counties
~ 75 MPH winds all the way down in Pinellas county, 6 counties from landfall
~ state of emergency declared in 51 Florida Counties
~ One death
~Massive Sewage spills due to overwhelming sewer plants, causing spills thruought the West Coast of Florida and causing over 100,000 gallons of untreated sewage to be dumped into Tampa Bay alone.

All of this caused approximately 500 milion dollars in insured damage and economic damage exeeding 1 billion dollars.

Locally, We had houses flooded with up to a foot of water in Hernando Beach and Pine Island, Hudson and New Port Richey, and our office fielded several hundred call for wind damage, mostly minor.

What does this mean for Florida when we get a really big storm? The outlook isn't good for either property and business losses. few final points:

Flood is never covered by your homeowner insurance, you need a seperate policy,and as this huricane taught us, Flood damage can be much much worse than wind, and can accompany relatively minor storms.

One thing to definitely keep in mind is that during a named storm, including a tropical storm, your wind deductible changes to a percent of how much insurance your carry, usually 2%, 5%, or 10% with 2% the most common election made by our clients. If you are confused about this, call us for a review before it takes you by surprise. but as an example, if you insure your home for $250,000 and you have a 2% named storm deductible, all wind losses under 5000 will be your responsibility. This is a compromise, an agreement we have made to self insure small named storm losses as citizens of Florida to help keep our homeowner insurance industry active and engaged with us.

Pokeman lawsuit makes it to the Insurance Journal.

http://www.insurancejournal.com/news/midwest/2016/08/15/423286.htm

So here is a Wednesday weird one. Couple sues Pokeman for creating a hazard on their property. This made the Insurance Journal. "In one instance, when Gotts-Dodich asked a player to leave her property, she was told to shut up “or else,” according to the complaint. The filing accuses Niantic and Nintendo of creating a nuisance that the companies have used for their own profit. The couple seeks class-action status to all represent property owners in the U.S.who have faced similar difficulties with Pokemon players."

ISU Bauknight Insurance operates two Counties in Florida, Hudson, FL (727) 863-5641 and ISU Bauknight Insurance, 10488 Spring Hill Drive, Spring Hill, Fl 34607 (352)-686-0612. They also offer coverage throughout Florida on their website or by calling them direct.

Troopical Storm Colin

Tropical Storm Colin threw some limbs around and threatened to Flood in Hernando County. At 1:00 am I heard intense winds for a very short period of time. But as of now, 9:50 am, we have had zero claims reported.
We dodged another one.  Eventually we will be unfortunate enough to sustain real damage.


ISU Bauknight Insurance operates two Counties in Florida, Hudson, FL (727) 863-5641 and ISU Bauknight Insurance, 10488 Spring Hill Drive, Spring Hill, Fl 34607 (352)-686-0612. They also offer coverage throughout Florida on their website or by calling them direct.

                                      Meet the ISU Bauknight Insurance Staff

Linda Morrow- after working at another independent agency, Linda Morrow Started at Bauknight Insurance in 2006 in our Hudson, Florida location. Linda is a licensed 4-40 Insurance representative and is always cheerful, fun to be around, gives great customer service and the customers and fellow team members love her.

Carmen Greenberg- Carmen worked with L.G. Edwards Agency until 2004. in 2005, she relocated to Spring Hill and worked at one of our competitor's offices. Our newest team member, Carmen started working here in May of 2005 and assists our customers with a variety of needs of performs many necessary tasks in the agency. She speaks fluent Spanish and works hard to meet the needs of the agency and our customers.

Michelle Andre- Like Mr. Bauknight, Michelle comes from an insurance family. Her grandfather was an agent and her mother currently is an agent in another town. She started working for AAA Auto Club South in 1999 and became a 2-20 agent, licensed and qualified to assist customers with all their insurance needs. She then moved to Lakeland Florida and worked with another agency for five years, then took a job with Fearnow Insurance in Tampa Florida until 2015, when she relocated and came to work for ISU Bauknight Insurance. Michelle is competent, experienced, works extremely hard and gives 100 percent to all of her customers.

Steven Green Jr.- Steven began his Insurance career In our Spring Hill office when he was 19 years old way back in 1991`. Steve quickly became a licensed 2-10 agent and after gaining the appropriate experience, managed our Tampa Florida office. He decided to change career paths and went to work for the "company side" and became an agency manager for Mercury Insurance. Soon he was promoted to agency manager for New Jersey and Virginia. In 2010 Steve decided to "come home" and came to work in the capacity of Office Manager/Agent in charge of our Hudson, Florida Location. Last year, with the advent of internet applications we decided to combine our Hudson and Spring Hill Locations, and Steve became the vice-president of operations.

Greg Bauknight- Greg Sold his first auto insurance application at the age of 16 in 1975 in his father's agency in St. Petersburg Florida. his dad had long been in Management in Allstate Insurance Company and decided to start his own business. Soon both of Greg's brother in laws were agents and both went to work for state farm. Greg came back to work in the family agency at age 23 and started his own agency when he was 27 years old, some 30 years ago.

ISU Bauknight Insurance has been in business for 30 years in Spring Hill. When Greg's father decided to retire, Greg purchased his agency.

ISU Bauknight Insurance represents combined experience of employees of over 105 years! We maintain a positive work environment and truly enjoy what we do. With our recent decision to join ISU Insurance, we are now part of the third largest agency group by premium in the United states and have access to all the best national and local companies to serve the needs of our policyholders.

ISU Bauknight Insurance operates two Counties in Florida, Hudson, FL (727) 863-5641 and ISU Bauknight Insurance, 10488 Spring Hill Drive, Spring Hill, Fl 34607 (352)-686-0612. They also offer coverage throughout Florida on their website or by calling them direct.

It's official, ISU Bauknight Insurance

Our official date of Joining ISU is Friday, April 1, 2016. We are all excited about the additional products we will be able to offer our valued clients and friends.

ISU Bauknight Insurance operates two Counties in Florida, Hudson, FL (727) 863-5641 and ISU Bauknight Insurance, 10488 Spring Hill Drive, Spring Hill, Fl 34607 (352)-686-0612. They also offer coverage throughout Florida on their website or by calling them direct.

We have changed our name to reflect our national affiliation!

Some of you may have noticed the change in our name from Bauknight Insurance to ISU Bauknight Insurance. This name change is due us joining ISU Insurance Group, the third largest by premium volume agency group in the United States. this is accomplished less than 200 elite agencies spread over the United States. Needless to say we are humbled by our induction into this group, and we are excited about what this means to our ability to service the needs of our clients.

What is the benefit of our joining this group to our customers and prospective customers? We will have access to all of the major national carriers for both personal and business Insurance. We will be able to act quickly when the market changes, and we will have the combined power of 200 agencies nationwide when negotiating contracts on behalf of our customers.

Exciting times for ISU Bauknight Insurance and our valued policyholders!

Bauknight Insurance operates two Counties in Florida, Hudson, FL (727) 863-5641 and ISU Bauknight Insurance, 10488 Spring Hill Drive, Spring Hill, Fl 34607 (352)-686-0612. They also offer coverage throughout Florida on their website or by calling them direct.

Insurance problem resolution

Are you experiencing a problem with your Insurance company?

Most of the time Insurance companies return premium and pay claims promptly and fairly. once in a while something goes wrong and you may need assistance. Usually the best source of resolving your issue is to contact your agent and let them intervene on your behalf.

If you do not have an agent and deal direct, you can attempt to contact the company on their phone and try to resolve the issue.

If this doesn't work, you can call the department of financial services consumer "hotline" at 1-877-693-5236.

This number can also be used to resolve agent/consumer disputes or to report fraud or abuse.

Finally, if you have your insurance elsewhere and just want to bounce your issue off of 'your friend in the business', call me personally at 352-686-0612 and I will be glad to talk to you and suggest resolution avenues.

Greg Bauknight

Bauknight Insurance operates two Counties in Florida, Hudson, FL (727) 863-5641 and Bauknight Insurance, 10488 Spring Hill Drive, Spring Hill, Fl 34607 (352)-686-0612. They also offer coverage throughout Florida on their website or by calling them direct.

Florida Insurance Commissioner McCarty to Resign After 12 Years in Job

This was the recent headline of Florida Insurance news. Insurance commissioner Kevin McCarty has resigned citing the opportunity to pursue other jobs. Quoting Mr. Mccarthy:

“I am looking forward to exploring new opportunities that will allow me to use the skills, knowledge and expertise I’ve gained as Insurance Commissioner. In the meantime, I will continue my service and provide whatever assistance is desired to facilitate a smooth transition,”

McCarthy's tenure as the state's lead Insurance regulator has not always been perceived by the Insurance Industry as "insurance company friendly". while many consumers would argue that this is in their best interest, there is always the possibility that some companies that have left Florida may be attracted back if his replacement is perceived to be friendly to their needs and desires. This could potentially be a good result in a State that suffers from a poor competitive environment and the high rates that result.

Mr. McCarthy's job was not an easy one. Florida continues to be a highly volatile place for Insurance companies who are constantly dealing with storms and sinkhole losses, high exposures to catastrophic loss and angry investors. On the other side are consumers who are left dealing with a fickle insurance industry that is perceived as raising rates unfairly and arbitrarily and cancelling policies for no reason. Hopefully the next commissioner can help improve the relationship between consumers, agents and companies.

The staff of Bauknight Insurance wishes Mr. McCarthy much success in the future and thanks him for his service to the Insurance Industry.

Bauknight Insurance operates two Counties in Florida, Hudson, FL (727) 863-5641 and Bauknight Insurance, 10488 Spring Hill Drive, Spring Hill, Fl 34607 (352)-686-0612. They also offer coverage throughout Florida on their website or by calling them direct.