10 Ways To Lessen The Chance of Getting In A Car Accident!!!


10 Ways to Lessen The Chance of Getting In A Car Accident!!!!

1. Avoid the “fast lane.”By using the center or right lane on multilane roads, you have more “escape routes” should a problem suddenly arise that requires you to quickly change lanes or pull onto the shoulder. Most highway accidents occur in the left lane. Furthermore, you are more conspicuous to highway patrol if you are in the “fast lane.”
2. Keep your eyes scanning the area ahead.Don’t just eyeball the car in front of you but watch the traffic in front of that car as well. This increases your chance of seeing a problem while still having enough time to react to it, and decreases your chance of rear-ending the vehicle in front of you should they make a sudden stop.
3. Beware of blind spots.Yes, adjust your side mirrors and rearview mirror to provide you with one near seamless panoramic scene of the view behind you, but don’t rely solely on them. Actually turn to look directly into the lanes beside you to avoid missing something left undetected by your mirrors. Also consider the blind spots for other drivers around you, especially truckers, and try to minimize the amount of time you spend in them.
4. Drive with your hands in the 9 and 3 o’clock position.Instead of the lazy, typical way people drive with one hand at 12 o’clock or both hands resting at the bottom of the steering wheel, this recommended position facilitates maximum vehicle control when you’re forced into quick maneuvering to avoid a potential car accident.
5. Get racecar driver control of the wheel.Another trick to maintain control of the wheel is to move your seat close enough to the steering wheel so that your wrist can rest on the top of the wheel with your arm outstretched and your back against the seat. This not only ensures your arms won’t easily fatigue but they’ll be in the optimum position for some last-minute evasive maneuvers.
6. Judge a driver by his/her car’s condition.If a car’s condition indicates an inattentive owner because of body damage or dirty windows, it could easily suggest an inattentive driver, too. Also, drifting in the lane often identifies a tired, drunk or cell phone-preoccupied driver — so you should get away from that person.
7. Know your car’s limits.After getting behind the wheel of everything from minivans to exotic sport cars, our editors know the performance limits of the cars they drive. Pay attention to how your particular vehicle reacts in certain situations — if the vehicle leans a lot when you’re rounding corners, this means that wrenching the wheel at high speeds to avoid an accident will be a scary proposition. It’s also key to be familiar with the limits of your car’s brakes and tires. How long does it take to stop when you apply maximum pressure? How much grip do your tires have? If you replaced your car’s stock tires with a cheap set, chances are you’ve reduced its braking and handling capability.
8. Keep your car in good shape. Stick to the manufacturer’s recommended maintenance schedule for long-term cars. This ensures that they’ll accelerate, stop and steer when we need them to. Reconsider the wisdom of “getting another 1,000 miles out of old tires” — if you encounter an unexpectedly slick road, you may find yourself rubbing up against the guard rail.
9. The nighttime is not the right time.Some people like to travel at night to avoid traffic, but with it comes certain hazards. In addition to your own increased fatigue and decreased field of vision, you need to be aware of joyriding teens and drivers who may be tired or drunk. Drive extra defensively around the witching hour, after midnight when some people are leaving bars, parties or sports arenas. And for goodness’ sake, don’t drive down a dark road with burned-out headlights or taillights.
10. Learn how to drive a racecar.It may sound like a frivolous expense, but going to a high-performance driving school is one of the best ways to improve your skill as a driver. Here you’ll learn what it feels like to drive a car “at the limits” and have an opportunity to practice accident avoidance maneuvers and skid recovery in a safe, controlled environment. Understanding how to make your car do what you want it to do in emergency situations could save your life.
None of these are surefire ways to prevent a car accident. You can only control what you do behind the wheel, not what your fellow drivers do. But take responsibility when you drive and focus on the task at hand. It’s not a time to return phone calls or shave or log onto your e-mail. Take it from our editors: Driving isn’t a mindless activity, it’s an exercise in self-restraint, self-defense and self-preservation.

Feuling Insurance Group has been serving families for over 17 years with home/auto/life/professional liability/business insurance. If you have questions or would like to get a quote, please inquire by email at Tim@CallTimToday.com or by phone/text at 1-858-750-9176. We are brokers so we can shop your policy with multiple companies to find you the best coverage for the best price. Our promise to you is exceptional client service and regular reviews of your policy to be sure you are always up to date on your coverage. You’re a PRIORITY at Feuling Insurance Group “Your Insurance Partner for Life!”


Renters Insurance – CRAZY for not carrying this affordable coverage!!!

Pieces of a playground still stand at an apartment complex destroyed by fire Sunday, Sept. 13, 2015, in Middletown, Calif. California Gov. Jerry Brown has declared a state of emergency in Lake and Napa Counties after a wildfire charred more than 60 square miles within 12 hours, prompting thousands to flee their homes. Brown said Sunday the declaration will expedite debris removal and waive fees to people who need to replace official documents lost in the fire.  The blaze, about 100 miles north of San Francisco, has destroyed an unconfirmed number of homes and other buildings and damaged highways and other infrastructure. (AP Photo/Eric Risberg)

Pieces of a playground still stand at an apartment complex destroyed by fire Sunday, Sept. 13, 2015, in Middletown, Calif.  (AP Photo/Eric Risberg)

Middletown California fires this last week have now burned over 400 homes, 2 apartment complexes and 10 businesses.

Those 2 apartment complexes may have housed a few dozen to a hundred families.

Now just imagine the devastation of losing everything you own in a fire like this. The sentimental items that can’t be replaced are painful enough. But what if you were one of these families and didn’t have RENTERS INSURANCE. So many people I run into these days who are renting homes, apartments, town homes, condos, etc. DO NOT carry RENTERS INSURANCE. Everyone in those homes and apartments that DID NOT have RENTERS INSURANCE has $0 to replace everything they own, $0 to pay for hotel for the time it takes to find a new home/apartment to rent, $0 for their precious jewelry, cash that was in home etc.

Renters policies are CHEAP for the peace of mind and the protection you receive when you purchase one.

Most renters policies will range from $100-$300/year depending on how much personal property you want to be insured for and the limits of your personal liability (that protects you if someone sues you from a dog bite, accident at your home, personal activities including sports and your children’s actions etc.).

We are talking $8-$25/month for that peace of mind and protection of all your goods being replaced. And for you being paid the money it costs to stay at a hotel while you find a new place to live. Average price is $16/month!!!

And remember its not just fire, it’s flood, lightning, windstorm, vandalism, smoke and hail.

Get a Quote for RENTERS INSURANCE today:
If you would like to check your current rates on your car while you get a RENTERS INSURANCE quote, you will qualify for a multi-policy discount and be able to get your auto and renters policy for less. Otherwise if you just need a RENTERS INSURANCE policy, contact us today at 1-858-750-9176 or Tim@CallTimToday.com

Detect slow leaks/minor leaks before they DAMAGE YOUR HOME!!!

How to Be a Drip Detective
Don’t be fooled into thinking a minor leak is a minor problem. Even the smallest leaks can turn into costly water bills and result in major damage.

Turn Off the Water and See What Happens
Turn off the main water valve and then check the water meter outside your home. Is it still moving? If so, water is flowing somewhere and it’s time to investigate.

Look at Your Water Bill
A sudden or large fluctuation in your water bill for unknown reasons could be a tip off to one or more water leaks. Even if you don’t see obvious evidence of water damage, a bigger water bill probably means water is leaking somewhere.

Use Water Detection Devices
Water detection gadgets and devices can detect water leaks or failures of appliances such as washing machines, dishwashers, water heaters and sump pumps.

Most water sensors are inexpensive and battery-powered with an alarm that sounds when water is detected. They’re easy to install yourself.
More sophisticated devices can automatically shut off water to an appliance or even to your entire house. Plumbers and electricians are usually needed to install this type of sensor.
Check Appliances for Leaks
Appliances are where most water leaks begin. You could prevent thousands of dollars in damage by doing a simple inspection once a year. It only takes about 10 minutes.

Inspect your washer, dishwasher and other water-related appliances for worn or damaged hoses at least once a year.
Replace any suspect hoses before they become a major water damage problem.
Check All Around the House
Just because there is no plumbing in a room doesn’t mean there is no chance for water to find its way in. Water gets in from damaged roofs, seeps in through wet foundations, and can appear where you least expect it – especially following a storm. Learn how to check your home for storm damage to help prevent water leaks.

Understand Where Water Damage Begins
Leaks and burst hoses and pipes are the leading cause of water damage in the home. The most common reasons for leaks and bursts are:

Wear and tear over time
Water pressure that is set too high, putting stress on household plumbing
Learn how to test your home’s water pressure.

Don’t wait until you have water damage and have to file a claim – be proactive and become a drip detective TODAY so you don’t have insurance claims that increase your premiums for the next 5 years…….

If you have any questions or simply want to get a competitive quote, contact Timothy Feuling at Tim@CallTimToday.com or 1-858-750-9176. 90% of every quote we deliver saves our prospective client $200-$3,000/year (depending on how many cars, home, renters, umbrella, etc.) and we provide additional coverage almost 100% of our quotes for a more competitive price.

Are you carrying 15/30 or State Minimum Only limits on your auto policy? BUYER BEWARE!!!


Quick blurb on this and I’m done ranting about it.

Bottom Line: $15,000 for medical bills for someone you run your car into is going to be really tight if you hit them well. And the $30,000 is the most the company will pay for all the other passengers in that car combined. So up to $15,000 for one person and up to $30,000 total for that person and anyone else in car. If 3 people get hurt and have to go to hospital and have work done, broken bones, etc. – you will burn through $30,000 LIGHTNING FAST!!!!

Then the burden falls on your lap at that point. The insurance company is only liable for that $15,000/$30,000 limit when you carry state minimum. And $5,000 for minimum property damage – that is most company will pay for the damage to the person’s car you hit. What if you hit a brand new Lexus that cost $50,000 and the damage is $18,000 – you pay $13,000 out of pocket or become the recipient of a lawsuit filed against you by the person you hit.

Just suck it up and purchase higher limits.
I don’t recommend anything below $100,000/$300,000 limits for BI and Uninsured/Underinsured and $100,000 limits for property damage in case you become responsible for a few cars and/or an expensive car that gets totaled and it’s $65,000 car.

Just a few words of wisdom from a guy that has seen it all!!!

If you have questions or want quotes for your insurance, please contact us at Tim@CallTimToday.com or call/text 1-858-750-9176!!!

Why you NEVER let your auto insurance lapse?


Your payment slipped your mind. Your credit card expiration date expired or you cancelled the card and didn’t hear from your insurance company. You thought it was ok to go without insurance for a bit to save some money.

It ALWAYS costs you when you let auto insurance policy lapse.

Here’s why:

Worst case you get into an accident and have no insurance and that accident goes on your driving record which every insurance company accesses when they rate your risk. You are now a HIGH RISk driver to every insurance company. Even worse you get sued by the car you hit and lose everything you have including wages in future.

Best case scenario you don’t get into an accident or get a ticket and are found driving without insurance (illegal in most states), but you go to buy insurance and the company is aware you have not had a current policy in place, you are now paying a higher premium because that company now sees you as a risk.

What’s the solution? SIMPLE!!! Always keep your auto insurance coverage in force. When you go to switch from one company to the next, make sure your have your new policy go into effect at 12:01 am following the day you cancelled OR to be super safe have overlapping coverage for 1 day.

IF YOU HAVE QUESTIONS on your auto/home or life insurance policies, feel free to contact me at Tim@CallTimToday.com or 1-858-750-9176 to ask your questions.

Reality Check: We Really Do Die…..Denying Talking About It Doesn’t Help, It Hurts….


Yesterday I was given a swift and painful reminder that death is a natural part of our lives and that even happy go-lucky good people can be taken back to their creator early in life. A good friend from high school passed away at the young age of 44 years old. Now my kids may think that’s old but I sure don’t.

This good man leaves behind 2 beautiful children and their mother.

The #1 reason people don’t buy life insurance is because they don’t want to talk about or think about the fact they are going to die. Of course, it is scary as heck to think you will leave behind your beautiful children, spouses, girlfriends, parents, siblings, friends.
It’s not something we want to talk about over a casual conversation. But to ignore it and not plan for the future of your family is just plain wrong. It’s just common sense and ethical and moral to make sure your family is taken care of. It’s too cheap not to have.

I think about how we spend money carelessly on fast food, coffee, things we don’t need and a list that goes on and on and on……I am insuring a good friend now for a $300,000 life insurance policy and its only going to cost him $45/month to make sure his kids and ex-wife have reassurance that when his number is chosen, bills will still get paid – life won’t have to drastically change from a financial perspective.

$45/month for a 50 year old to secure some peace of mind for his family. 20 cups of coffee a month at Starbucks costs more than that. And all you get is a few hour coffee buzz.

Death is a reality folks. Stand up for your family and get your policy in place so you give THEM the peace of mind of knowing they are going to be able to grieve in a timely manner and not have the financial burden supersede the grieving process which is what happens ever so often…

Things to think about when picking a policy limit to purchase:

Your mortgage and auto payments and credit card debt: $
Cost of college for your kids: $
Monthly bills for a few years for your family: $
Funeral and estate costs and taxes: $

It adds up quick so be realistic and bite the bullet and get yourself at a minimum a term life insurance policy that is out 15, 20, 30 years from now to cover through your kids college years and a bit beyond. It’s also a cheap way to invest in helping your kids and family with future purchases (homes, school, auto, life).

Make that call today – don’t wait another minute.

The Cost of Waiting – Life Insurance (death insurance:(


What is the cost of waiting to buy life insurance (commonly referred to as Death Insurance because you don’t get to enjoy the benefits of the policy until after you die – but come on – it’s not for you, it’s for your family to keep on going after you’re gone)?

Let’s use a 43-year old man as an example.

$1million term life policy with a 20 year term is about $90/month.
If this same man waits 10 more years before he decides he wants to protect his family’s home, assets, funeral and estate costs, college, etc. he will be paying $225/month for that same policy. Almost 150% more premium for waiting.

So, how do you figure out what policy limits would be right for you:

Take a look at your mortgage, your outstanding debt (credit cards, lines of credit, auto loans, etc.) and cost of college for years remaining for your kids or grandkids you want to help fund.

If you’re mortgage is $400,000 and your outstanding debt is $40,000 and you have 3 kids who aren’t in college yet $140,000 for a state school (all 3 kids with room and board included – this is a low ball number but received from a college future calculator). So you have approximately $600,000 in expenses you want the life insurance to pay for right away. Plus you need a few years of your annual income to help your spouse and kids get through those years as they change their lives to conform to a life without you. This is money to pay for everyday costs of life – groceries, school supplies, clothes, education for the spouse, etc. This person would want to purchase a $750,000 policy minimum, with a $1million policy being more prudent.

Investing $90/month for a male age 43 to leave his family safe and secure with a $1million policy seems like a no-brainer to me, but who am I – I’m just a 43 year old male with 3 kids and a heart/ethics/morals and a responsibility to take care of my family so they don’t have to suffer financially because of my death.

I’ve seen families that don’t even get time to grieve appropriately because they are so overwhelmed by the financial storm that just struck their household. It literally tears through families as they are trying to adapt to this new life with only 1 parent.

Think wisely about the statistics out there for accidents, sickness/disease, etc. It’s a reality. I have no problem thinking about death. It scares me of course, but what scares me more is thinking my family would not be financially capable of moving forward if I wasn’t here.

Contact an insurance advisor you trust regarding your life insurance. At the least take out a $300,000 term policy for a small monthly payment to cover part of your surviving families costs of living once you are an angel in heaven!!!!

Need an Umbrella?- Is It Raining – No Silly – An Umbrella To Provide Extra Insurance Protection


Understanding the value of an umbrella on your home/auto policies

The more you have, the more protection you need

The more your earning power and assets increase, the more you have at risk, and therefore, the more you need to protect.

If you think you need at least a million dollars of additional protection above your current homeowners or automobile liability limits, you can purchase something called excess liability. Often referred to as an umbrella policy, excess liability is the additional protection you need in case a judgment against you exceeds the liability limits of your existing auto or homeowners policy. Available in amounts ranging from one to five million dollars, excess liability coverage increases your personal liability limits by adding protection to your current auto, boat or homeowners policies.

Why liability coverage from your homeowners and auto policy may not be enough?
Homeowners insurance provides a minimum of $100,000 liability coverage (the coverage that protects you when people are injured or property is damaged due to circumstances in which you or your family are responsible). Although it varies widely by state, the typical minimum liability protection for auto insurance is around $25,000 per person and $50,000 per accident. Some of you may carry $100,000 or more.

With both of these coverages you can purchase higher limits (or amounts) of liability protection…but the most that can be purchased is $500,000 for homeowners policies or $250,000 per person, $500,000 per accident for auto insurance. Again, this may not be enough protection in today’s lawsuit frenzied environment where million dollar judgments are fast becoming the rule rather than the exception, even for seemingly minor situations.

Here are some examples of what may happen and why an umbrella will save your skin:

– Your dog runs out of the house and viciously attacks a neighbor who was going for a walk and minding her own business. Your neighbor sues you to cover her medical bills, lost wages and pain and suffering.

– Your daughter gets into a fight at school and punches another girl, breaking her nose. The girl’s parents sue you.

– You cause a 10-car accident and your auto insurance’s property damage liability coverage isn’t high enough to pay for all 10 accident victim’s replacement vehicles. Nor is your personal liability coverage high enough to pay for their medical bills.

– You send sandwiches to your son’s school for a field trip lunch. Several students become sickened with food poisoning and their parents sue you.

– Your teenager throws a party at your house while you’re out of town. Someone brings alcohol to the party, and one of the party guests gets arrested for driving under the influence on the way home. You get sued.

So in summary if you have a lot to protect and you want to be sure you have $1 million or more in total coverage with your auto and home policy to protect you against any unforeseen lawsuit resulting from a car accident or injury/property damage on a home policy, you want to get an umbrella.

Don’t Own But Rent? Why Get Renters Insurance?


It is very wise to protect the value of your belongings with
renters insurance.

Even if you don’t own a home, you still have a lot at stake. After all, your personal belongings, like clothes, furniture and electronics, have significant value. Renters insurance can help you protect that value without breaking the bank. So no matter where you live, you can rent with peace of mind.

A typical renters policy can cover:

Damages to furniture, clothing and other personal items
Your personal belongings, whether they’re in your home or elsewhere
Personal liability for another’s injury or their property, if damaged
You can also select policy enhancements and add-ons such as valuable items coverage or extra coverage for your belongings for full replacement costs regardless of depreciation. Learn more about renters insurance.

Savings for home security and more
You can get an array of money-saving discounts based on factors like your claim history and your home’s security features, including smoke detectors, dead bolts, fire extinguishers and alarm systems.

And when you buy other policies, like auto insurance, umbrella insurance or boat & yacht insurance, you could save on your Renters Insurance.

(some random claims seen for renters insurance – fire damage to personal belongings, theft of personal belongings, dog biting someone, someone getting hurt while at your place of residence, etc.)

An average renters policy depending on coverage limits will sell for $150-$250/year. This is very inexpensive for the peace of mind of knowing you are protected. Most renters policy holders go with a $500 deductible. This helps keep premium affordable and it’s not out of reach to pay in the event of a claim.

Contact Feuling Insurance Group for quotes on renters insurance, auto insurance, homeowners insurance, life insurance, business insurance, professional liability insurance.

Why You May Want To Work With An Independent Insurance Agent Rather Than A Captive Agent?


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There are many reasons why it is far more beneficial to work directly with independent insurance agents. Please keep in mind some of these benefits depend on your agent.

In other words, you may have insured with an independent agent at a referral from a friend but this agent doesn’t do any of the things I speak about below. Your agent works for you – it’s like going to a doctor – you don’t just go to any doctor – you go to a doctor that you feel provides great education, takes great care of you and/or your family, provides fair pricing and you get great service. Don’t expect anything less from your insurance agent.

2 Different Kinds of Agents

Captive – this agent works for one insurance company. Most of these agents work for the companies you see advertised on TV. Is it possible you are overpaying for your insurance to offset the cost of billions of dollars in advertising/marketing monies spent by your insurance company to get more clients. Examples of captive companies are Farmers, State Farm, Geico , Allstate, Liberty Mutual, etc….

INDEPENDENT AGENTS – these agents chose to have the autonomy to be able to examine multiple insurance companies and determine which company is the best fit for their clients based on all kinds of factors (age of driver, accidents, tickets, DUI, zip code, multi-policy, discounts available, year of car, etc.). These agents can shop your policy with multiple carriers and share their results with you.

Here are the benefits of working with an Independent Insurance Agent:

1)You aren’t stuck with one option for insuring as you are with a captive agent. You are held hostage to their rates.

2)Your agent can shop multiple insurance carriers to find the best coverage benefits and best pricing for your specific policy needs and factors.

3)Your agent can hold your hand through the entire process of going through a claim with your auto or home or any type of personal injury. This is far superior to you calling some huge insurance company and getting shifted around from one person to another  – rarely talking to the same person more than once.

4)Your agent is one phone call away. If your agent is like me, they will provide you with their phone, text and email so we are easily accessible in any time of need.  Need to add a 3rd car on, great text me the VIN # and BOOM – it’s done.

5)Your agent can do annual or bi-annual reviews with you to make sure your insurance  needs are up-to-date and even shop you with another insurance company if they discover another company has better rates now in your area or for your type of insurance risk.

6)Your agent will provide you with unbiased advice. When you insure with a captive, they have to convince you that what you have is the best you can get. They have no other choices.

7)Your agent can help you insure other areas of your life than many of the captive agents don’t have access to – maybe you want to add on life insurance or renters policy or business insurance or professional liability insurance (malpractice) or disability insurance. Your independent agent has markets for everything!

Call Tim Today: 1-858-750-9176 or Text Me: 1-858-750-9176 or Email Me: Tim@CallTimToday.com
Feuling Insurance Group
CA License #0E03808