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Flood Insurance: It’s Important!

Flood Insurance Matters.  I grew up in Nashville, Tennessee.  In 2010, the people of Nashville were visited by what geologists tell us was a 1000 year flood.  The Tennessee Titans football stadium sat underwater for days, along with big portions of the downtown area near the Cumberland River.

Weather can be unpredictable.  Just because no one “remembers” a flood happening in a particular place does not mean a flood can’t or won’t happen in that very place.  Just ask the people of Nashville.

If you live in a lower risk flood zone, flood insurance is very affordably priced. Protect your property and remember that your regular homeowners policy does not cover damage caused by floods.  Below is a link to more information about the benefits of flood insurance at

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Why Should I Bother with Turn Signals?

Driving responsibly and safely benefits everyone.  A recent article by Renee’ Kolzow of Foremost Insurance Group gives an excellent and insightful plea for using turn signals. – David

Why Should I Bother with Turning Signals

By Renee’ Kolzow

Published: July 17, 2013


If you’ve ever turned a corner without a signal only to be blasted by a honking horn – and maybe an obscene gesture from the driver behind you – you’ve set off a driver for whom not signaling is a pet peeve. That’s most drivers. When surveyed on their pet peeves, many drivers first mention others who don’t use turn signals when turning or making lane changes.

The safe, thoughtful driver always signals lane changes and builds that habit.  When other drivers can predict your behavior, everyone on the road is safer.

  • Think before you signal: You’re planning to turn right into the bank that’s on the opposite corner of the intersection.  So when should you signal your right turn?  Don’t confuse the drivers coming at you by putting your signal on too soon.  They might just make a left turn in front of you.  But do get that signal on before you turn. Some drivers deliberately don’t signal a lane change because they fear that the drivers in that lane will speed up and close the gap, shutting out their move.  That might happen occasionally, but usually if you do signal other drivers are courteous and let you in.  Not signaling is dangerous and could cause an accident.
  • The danger at intersections: Dangers abound at intersections.   An estimated 80 percent of fatal city collisions happen at intersections that have stoplights.  Why are they so deadly?  Because many motorists travel at speeds approaching 50 miles per hour at intersections and crashes are often t-bone hits where one car is hit either on the driver or passenger door.   As you enter an intersection on a green light, look left, then right, then left again.  Make sure it’s visually clear before you enter it.
  • Yellow means slow down, not speed up to beat the red light: Red means stop whether it’s a sign or a signal.  If it’s a signal, yellow means slow down and stop!  It’s pretty simple.  Running stop signs and lights cause many fatalities every year.  And remember, a rolling stop is not a stop in the eyes of the law.  Would you rather spend your hard earned cash on a ticket or on something enjoyable?
  • Backing up: Many people back up without looking and that causes many accidents each year.  If you don’t believe it, next time you’re walking through a parking lot (don’t do this when driving, it will distract you) check out the back ends of the cars for damage that comes from accidents caused by backing up without looking.  Sadly, each year children are run over at home when cars are backed over them.  Backing down a roadway is never a good idea either and on limited access highways it’s illegal.  Even if it was, it wouldn’t be safe.
  • Freeway and expressway driving: Freeways and expressways have their own set of driving rules.   Closed access highways forbid many things:  stopping unless for an emergency, backing up and staying out of emergency vehicle crossover lanes are typical.   Because limited access highways usually have higher speed limits, it’s critical that drivers pay attention and follow the rules of the road. One of the most important things to learn as a driver is to properly use the acceleration and deceleration lanes for entering and exiting a freeway.

When you drive safely and courteously, whether you’re on a country road, a city street or a limited access highway you’ll find that most other drivers will be courteous as well.   So drive safely and enjoy your trip and consider talking to a [licensed agent] if you’re in the market for auto insurance.

“Givers Gain®”

“”Givers Gain®”  That is the driving philosophy of  Business Network International (BNI), an international organization dedicated to helping businesses network and refer business to each other. The expression, “Givers Gain,” teaches me that I gain in business by giving to others in business.
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Litchfield Leaders, local BNI chapter

I am a proud member of our local BNI chapter, the Litchfield Leaders.  The members of our local chapter are simply amazing!  And our chapter is growing.   So far, our local chapter, currently 20 members, has referred over $140,000 of business to each other.  And that number is multiplying weekly!

Interested in finding out more about the Litchfield Leaders?  Give me a call at (843) 251-4896 or contact our local chapter president, Patrick Queen, at


Healthcare Reform – Affordable Care Act Overview by Kaiser

The Affordable Care Act, aka Obamacare, is bringing big changes in 2014.  Sandhills Insurance Group partners with industry leaders to bring our customers and friends outstanding resources and timely information.  One of those resources, The Kaiser Family Foundation has informative guides and tools, including the below easy to follow video overview. – David

The YouToons Get Ready for Obamacare: Health Insurance Changes Coming Your Way Under the Affordable Care Act

Published: August 14, 2013 By The Kaiser Family Foundation

2014 is coming–are you ready for Obamacare? Join the YouToons as they walk through the basic changes in the way Americans will get health coverage and what it will cost starting in 2014, when major parts of the Affordable Care Act, also known as “Obamacare,” go into effect.

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HOA Insurance claims: HOA Boards – Get Proactive

Condo and Townhome HOA boards often have questions about when the HOA policy should pay a claim and when the homeowners policy should pay.  A Reality Times article by Richard Thompson clarifies several claims concerns. – David

HOA Insurance Proaction in Action

Published: August 14, 2013 By Richard Thompson

One of the biggest traps for common wall homeowner associations like condominiums is that their insurance coverage often permits payment of claims that rightly belong to homeowners. This is due to the broad or “blanket” coverage nature of the policy. In effect, the insurance carrier looks to the board to determine whether it should pay a claim or not. If given no direction, the carrier usually errs on the side of the homeowner.

The problem is that if the board allows all insurance claims regardless of their source or cause, soon the premium would skyrocket or worse, the policy would be canceled.

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Swimming Pool Liability Basics

Swimming pools pose liability concerns for HOA boards and property managers.  A article provides an concise but informative overview of the topic. – David

Swimming Accident Law: The Basics


Published: August 14, 2013


It’s that time of year when the 6 o’clock news leads far too often with the most tragic stories about childhood drowning deaths, near deaths, and injuries. Just this week, there was the news about the son of singer Usher nearly drowning in the family’s pool. The statistics are sobering.

According to the Centers for Disease Control:

Every day, about ten people die from unintentional drowning. Of these, two are children aged 14 or younger. Drowning ranks fifth among the leading causes of unintentional injury death in the United States.

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Attention Carolina Care Plan members and plan holders

The affects of Healthcare Reform on individuals in South Carolina continue as Carolina Care Plan leaves the marketplace…

Medical Mutual of Ohio, the parent company of Carolina Care Plan, has decided to cease doing business in the state of South Carolina.  Effective January 1st, 2014, all Carolina Care Plan coverages will terminate. In response, Sandhills Insurance Group has taken action on behalf of our customers, and those impacted in our community.

For Individual Plan holders currently covered by Carolina Care Plan

Sandhills Insurance Group has reached out to both United Healthcare and BlueCross BlueShield of South Carolina on behalf of our individual clients covered by Carolina Care Plan to ascertain how each carrier will accommodate members of Carolina Care Plan who wish to enroll in their coverage:

  • BlueCross BlueShield is offering limited underwriting enrollment for 9/1/2013 effective date. If your health has not changed in the last two months, BlueCross BlueShield will offer standard rates (or tobacco rates where applicable) to individual clients of Sandhills Insurance Group currently covered by Carolina Care Plan.
  • United HealthOne (Golden Rule Insurance) is offering full underwriting to current Carolina Care Plan individual policy holders prior to January 1st, 2014.
  • Per the Affordable Care Act (“Obamacare”), effective January 1st, 2014, all individual health applicants can be covered, guaranteed-to-issue by both BlueCross BlueShield of South Carolina and United Healthcare.

For Employer Group Plan holders currently covered by Carolina Care Plan.

  • United Healthcare is offering no underwriting, early renewal coverage for a 10/1/2013 effective date.  United Healthcare offers and options have been mailed to all group health plan policy holders and Sandhills is reaching out to those affected.
  • BlueCross BlueShield is offering limited underwriting new business enrollment effective 9/1/2013.

We are now meeting with individuals and groups affected by theses and other changes brought on by the new healthcare law.  If you are an individual or a group plan holder with Carolina Care Plan, please contact us.  We look forward to helping you and servicing you in every way possible making sure your coverage, access to quality care, and the service you are accustomed to with Sandhills Insurance Group, continues.

Should you have any questions please do not hesitate to contact me at (843) 251-4896 or

Thank you for allowing us to work for you,