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ERIE recently lit up Times Square with the news of being named one of America’s 50 Most Trustworthy Financial Companies. According to a recent study by GMI Ratings, Erie Indemnity came in with a “best score” in the mid cap segment with an average Accounting and Governance Risk (AGR) of 99.
“It’s a great honor to be among companies of this caliber,” said Brad Postema, senior vice president and chief investments officer. “This type of recognition affirms our efforts to live by ERIE’s values, to operate under the highest ethical standards – it’s a great complement to the third-party recognition ERIE receives for service.”
GMI, a proprietary ratings provider and investment advisor, studied the accounting and governance behaviors of more than 8,000 publicly traded banking services and insurance companies from fourth quarter of 2012 through third quarter of 2013. For each company, GMI identified an “Aggressive Accounting and Governance Risk,” or AGR rating. Companies making the top 50 rankings have the highest AGR ratings for the time period studied.
The list of America’s 50 Most Trustworthy Financial Companies was released earlier this month by Forbes. You can see the full list at Forbes.
Read the full story from Erie Insurance: “ERIE Honored as One of America’s Most Trustworthy Financial Companies“
Since my 16-year-old daughter Maddi got her driver’s license permit last month, I’ve entered uncharted territory. I’m supposed to patiently (yeah, um, sure) teach my teen daughter how to drive. I think I’d rather scrub the bathroom every night of the week than argue with my headstrong teen on how close she really was to that parked car. (I’m telling you, it was close!).
I took her to a big church parking lot when it wasn’t busy over a few evenings. Basically, she got her feel for the gas and brakes and I showed her where things were located in the vehicle. She immediately wanted to use two feet to drive and I nipped that right in the bud. All in all, the first few lessons were not too bad. Plus, she realized, “This driving thing is a lot harder than I thought. I’m scared.” GOOD! I’d rather her be nervous than overconfident right now.
Now all I hear is, “Mom, will you take me driving?” And I cringe. It’s not that I mind taking her, but it’s just one more thing to add to my already really long to-do list. But I know I’m going to have to find time to fit in all this driving practice because in Pennsylvania, you have to log at least 50 hours of supervised behind-the-wheel practice.
“OMG, there’s a van behind me!”
Fast forward a couple lessons, where Maddi and I venture out onto the road…with actual cars. I’m not going to lie, I was tightly gripping the passenger-side door handle. She’s doing okay – a lot of lurching at the stop signs, but she’ll work that out in time.
We’re driving around a neighborhood and she takes a wrong turn toward the main road. She isn’t ready for that yet, so I tell her to pick a driveway and turn around. She pulls into one, and, of course, the van behind us is waiting to pull into which driveway? Yep, the driveway we’re in.
She immediately gets nervous, admitting, “I can’t remember which way to turn the wheel when I back out.” (If you think about it, it’s a tricky concept to master.) I instruct her while reaching over to help.
Instead of hitting the brake as she backs up, she accidentally hits the gas, which makes us lunge toward the mailbox. We narrowly miss it.
“Stop!” I yell. “Get out of the car. I’ll back out so these people can get in their driveway.”
Maddi is mortified at this point. She refuses to get out of the car and says she will just slide over. So I get out of the car, wave at the woman in the minivan and very matter-of-factly say, “Teen driver.” She gives me the nod and I know she totally gets it. The whole way home, my daughter is carrying on about how I embarrassed her. I must’ve missed something.
“And you are so mean, why do you keep yelling at me?”
I calmly explain that I’m not yelling at her. But when she is going too fast or is driving a little too close to oncoming traffic, yes, I may panic. And I most certainly will get louder. She tries to debate me, but a truck is coming.
“Just focus,” I say. And once again I realize why I’m not a teacher.
Watch for more updates from Maddi and me on our learning-to-drive journey in the coming weeks. In the meantime, here are some helpful tips for parents of teen drivers and a list of smartphone apps that can help reduce distracted driving.
Read the full story from Erie Insurance: “(Bitter) Sweet 16 Series: One Mom’s Drive to Survive, Part II“
If you have recently purchased a motorcycle or are searching for a better option for motorcycle insurance in the Camp Hill area, James B. Murdoch Insurance Group, Inc. is here to help. The team at our agency lives and works in Camp Hill, and we are committed to serving our local community of motorcycle riders. We know you need coverage that gives you the highest level of protection at the lowest cost, and we can show you what is available to best suit your specific needs. You may have more than one motorcycle, or own an extremely valuable motorcycle. No matter what your situation is, we will help you to find the policy that best suits your situation.
You may need to insure custom parts for your motorcycle or need the right coverage for a vintage bike that would be extremely expensive to replace. Motorcyclists are at much higher risk than other drivers, even when travelling at slow speeds. The most common situation for an accident is an inattentive driver who fails to observe that he or she is sharing the road with a rider when changing lanes or making a turn. Not only is the rider at risk of serious injury, the motorcycle is often severely damaged as well and can be very expensive to repair. Having adequate coverage in place can allow you to get your bike back on the road, or fully replaced, when necessary.
Whether you own a cruiser, sports bike, motocross bike, dirt bike, moped or a classic motorcycle, we have a range of policies to cover you against bodily injury, property damage, collision, theft, vandalism. We also will ensure you are protected against an underinsured or uninsured driver. Our team at James B. Murdoch Insurance Group, Inc. will explain your options so you can make a decision that makes sense, based upon your individual situation. As we are local, we are easy to contact for any questions about motorcycle insurance in Camp Hill or other communities in Pennsylvania.
We invite you to call us or contact us by email for information. We care about our clients and want to provide motorcycle insurance to protect against negligent drivers. At James B. Murdoch Insurance Group, Inc., you can count on us to be responsive, and to be focused on finding you the policy you need at the lowest cost possible.<h3>James B. Murdoch Insurance Group, Inc.: Auto/Car Insurance, Homeowners Insurance, Business/Commercial Insurance, and Life/Health Insurance For Camp Hill and All of Pennsylvania.</h3> <br>
Read the full story from Erie Insurance: “Quiz: Were These Crazy Things Ever Insured?“
There’s no question that to stay safe behind the wheel, drivers should keep their hands on the wheel, their eyes on the road and their minds on what they’re doing — anything else could become a deadly case of distracted driving, according to the National Highway Traffic Safety Administration.
Last year, Erie Insurance analyzed the top 10 driving distractions involved in fatal crashes and found that – unsurprisingly – cell phone use was one of the most common causes. But despite the warnings, some drivers continue to use phones while driving. It’s an epidemic that shows no signs of going away completely. That got us thinking – are there smartphone apps that could make drivers safer?
“There’s no question that it would be better if people didn’t use their phones at all while driving, but because we know they sometimes do, we thought it would be worthwhile to make people aware of tools that may help them do it more safely,” says Doug Smith, senior vice president of personal lines at ERIE.
ERIE contacted the bloggers behind TechGuySmartBuy, Because I Said So, and RichMom and asked each to test a different app—DriveScribe, Canary and Vokul™, respectively. (Note: ERIE does not have a relationship with the bloggers or the app developers and is not promoting or discouraging the use of any app.)
Below are some of the bloggers’ top takeaways*.
|Blogger||App||What the blogger liked most||What the blogger liked least||Did it help reduce distraction?|
|TechGuySmartBuy||DriveScribe: provides real-time coaching on driving behaviors such as excessive speed, failure to stop at a stop sign and hard braking; earn gift cards for safe driving||Automatically blocks incoming texts and calls; real-time warnings about speed, hard braking, etc., increasing awareness of unsafe driving behaviors||Can’t see driving information on the app—must go to the desktop app to review driving habits||Yes|
|BecauseISaidSo||Canary: Allows parents to tell when teens are texting, talking, speeding or using social media||Easy to install; great concept to monitor teens’ use of phone and speed while driving||Can be turned off by teen; uses battery life; provides speed of car but not speed limit where car is located, so impossible to tell if teen is speeding||Somewhat|
|RichMom||Vokul: Hands-free voice control app enabling drivers to dictate texts and emails, post to Facebook and Twitter, call contacts, and listen to music||Very easy to manage iTunes library and play music hands free; can listen to emails and social media feeds and post status||Couldn’t respond to others’ Facebook statuses; can’t reply to email from new contact unless it’s already in address book||Somewhat|
*The opinions expressed above are those of the individual bloggers and do not necessarily reflect the opinions of Erie Insurance.
Read the full story from Erie Insurance: “Can Smartphones Reduce Distracted Driving?“