Oklahoma Winter Storms Ahead:
Are You Ready?

We admit it: As insurance pros, our picture of winter isn’t exactly cozy. Oklahoma Winter Storms means traffic snarls, hillsides turning to sheets of ice, and cars sliding around like hockey pucks. Cold temperatures can cause pipes to burst, frost swells and other damage. Heating your home with fireplaces and holiday lighting can increase the risk of fire.

A picture-perfect winter requires a few precautions

Here are a few of our top tips to help reduce weather-related hassles this winter.

Winter-proof your car with good snow tires or chains, new wiper blades, antifreeze, and emergency road supplies.

Keep your attic cool to help prevent ice dams. Insulate the attic floor and make sure it is well-ventilated.

Do not overload circuits with holiday decorations.

When Oklahoma winter storms hit, be smart

If you do not have to drive, stay put. If you must drive, make sure you’ve winterized your car and have a full tank of gas.

When the air is cold, keep bath and kitchen cabinet doors open so warm air can circulate around pipes. If pipes do freeze, let them thaw normally—they’ll be less likely to burst.

And if the power is out, make sure you avoid leaving candles or fires burning unattended. If you use a portable generator, follow the instructions and do not use it indoors.

Know what your insurance covers

We want to help you rest easy.  You will be more relaxed when you know you have prepared your property to lessen the chance of winter storm damage. Your insurance policy covers repairs. Repairs can be anything from adding roofing cement to replacing shingles. I could also be a full rebuild. However, your deductible does apply. Check your policy to see what is covered and to confirm the deductible you have chosen.

If you have any questions at all about your coverage, call Tulsa Insurance Guy at 918-574-6262 and we will help you review your options.

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Although the Tulsa motorcycle insurance policy is very similar to the personal auto policy, you will never find a policy where they are combined. The personal auto policy is for vehicles with at least four wheels, and motorcycles will not qualify – at least not yet. The Tulsa motorcycle Insurance policy is a package deal made up of several different coverages:

• Bodily Injury Liability – This coverage pays for injuries or deaths you cause in an at-fault accident.
• Property Damage Liability – This coverage pays for property damage you cause in an at-fault accident. It will also pay to reimburse the other driver’s rental expenses.
• Passenger Liability – Pays for injuries to your passenger in an at-fault accident.
• Uninsured/Under insured Motorist – Similar to the personal auto policy, this coverage pays for your injuries if you are hit by an uninsured or under-insured motorist.
• Medical Payments – Since this coverage pays for your injuries and your passenger’s injuries, you should buy as much as you can afford. Especially if you don’t have medical insurance. States that don’t have a helmet law normally require riders to carry this coverage if they are going to ride sans helmet.
• Collision – This pays to repair or replace your motorcycle if you are in an at-fault accident subject to the deductible you select.
• Comprehensive – Will pay for damages to your motorcycle for reasons other than a collision. This is the coverage that pays for theft or damages resulting from hitting an animal or vandalism.
• Additional Equipment – Many riders will add additional equipment to their motorcycles such as saddlebags, windshield, custom crash bars, GPS equipment and communications This coverage will pay for this equipment if stolen or damaged in an at-fault accident.

There are many insurance companies offering Tulsa motorcycle insurance and some of them even specialize in this coverage. The motorcyclist should call or visit with an experienced agent or broker to determine which company offers the best value and rates.

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Thank you!

We at Tulsa Insurance Guy are constantly striving to improve the Client Experience.

Our Mission Statement

“Our commitment to integrity is evident in everything we do. We empower our clients to choose an insurance solution that provides the best protection tailored to their needs. We act as consultants rather than insurance agents and take on the challenges of our clients. We believe that doing the right thing pays off in the long run and have this philosophy to thank for our loyal and growing clientele.”

The basis of Tulsa Insurance Guy’s Philosophy is we understand our clients deserve more from their insurance agency. I believe Jeff Bezos said it best, “We see our customers as invited guests to a party, and we are the hosts. It’s our job every day to make every important aspect of the customer experience a little bit better.”

So everyday as the owner of Tulsa Insurance Guy, I’m inspecting what I expect from my team members. I relentlessly believe my team has to be on board with the philosophy of “clients deserve more”. So it starts with how I treat them. Richard Branson has proven this style of leadership works!

We as leaders of our companies have to be intentional, clear, and provide support. This means working 40 hrs a week, Doesn’t cut it! Our Team Members deserve more. They deserve leadership that paints a vivid picture of small action items clustered into various client experiences. Whether it be on the front end of providing initial consultation, a welcome package of detailing how they can enhance their experience with us, to setting a time frame expectation of an endorsement like adding a vehicle when you are at the tag agency or having the best claims experience. Swapping pain for that sigh of relief you have when you say, “Ah” and then on subconscious level you have this peace knowing with strong conviction that we care as much as you do if not more to help you resolve the situation.

We at Tulsa Insurance Guy breakdown each segment our Clients experience and ask ourselves as a team how we can improve our Clients Experience.

I know as we continue down this path of “Kaizen”, continuous improvement, we will achieve what I believe Taiichi Ohno envisioned for Toyota:

“Why not make the work easier and more interesting so that people do not have to sweat? The Toyota style is not create results by working hard. It is a system that says there is no limit to people’s creativity. People don’t go to Toyota to “work” they go to Toyota to “think.’ ”

So let me end by saying, Thank you for allowing us to listen, learn and create action items to improve your experience at Tulsa Insurance Guy, Your Local Insurance Solution!

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Wikipedia provides a great a detail explanation on telematics. Find below excerpt on this topic:

Telematics are an interdisciplinary field encompassing telecommunications, vehicular technologies, road transportation, road safety, electrical engineering (sensors, instrumentation, wireless communications, etc.), computer science (multimedia, Internet, etc.). Hence the application of telematics is with any of the following:

Lexus Gen V navigation system

• The technology of sending, receiving and storing information via telecommunication devices in conjunction with affecting control on remote objects.
• The integrated use of telecommunications and informatics, for application in vehicles and with control of vehicles on the move.
• Telematics includes but is not limited to GPS technology integrated with computers and mobile communications technology in automotive navigation systems.
• Most narrowly, the term has evolved to refer to the use of such systems within road vehicles, in which case the term vehicle telematics may be used.

Find more information: http://en.wikipedia.org/wiki/Telematics

According to Lexis Nexis during the first quarter of 2014, they commissioned an independent firm to conduct two studies. The first was a study of 2,000 insured consumer drivers, ages 21-74, who were the policy decision makers for their household. The results of the study were compared to similar research LexisNexis had conducted in 2010 and 2013. The second was a study of 409 small fleet managers who were policy decision makers coordinating fleets of 2 to 20 vehicles.

For further reading and info graphic to better depict their study click here.

Lexis Nexis help insurers assess their risk and streamline the underwriting process in 99% of all U.S. auto insurance claims and more than 90% of all homeowner claims. LexisNexis C.L.U.E.® Auto, the industry standard loss underwriting database for the U.S. auto insurance market, represents a 99.6% industry contribution.

To learn more about Tulsa Insurance Guy Click Here.

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