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ADDRESS
Lima Office
212 W. High St.
Lima, Ohio 45801
Bluffton Office
105 S. Main St.
Bluffton, Ohio 45817


What’s Mine Is Yours…for A Fee
At its core, the sharing economy is built upon trust. The model depends upon peer-to-peer interactions. Many of the legal and regulatory...
Oct 24, 20172 min read


Smart Tips for Parents of Teen Drivers
Why do insurance companies charge more for young drivers? Teen drivers have the highest crash risk of any age group. Their inexperience...
Sep 22, 20172 min read


Common Misconceptions about the Personal Umbrella Policy
I can certainly empathize with these folks since the term “umbrella” can be interpreted a number of ways. Here are some of the more...
Sep 11, 20172 min read


Lessons Learned in Road Safety
For anyone not familiar with I-75, it is a divided highway that has several lanes of traffic, and vehicles travel at many different...
Jul 5, 20172 min read


Precious Cargo: Keeping Your Children Safe in the Car
An average of 11 children per week died in motor vehicle accidents nationwide between 2010 and 2014. Of these deaths, 43% were either...
Jun 14, 20172 min read


What’s Driving My Personal Auto Insurance Rates?
How does an insurance company determine how much to collect in premium? Insurance companies use complex rating models to help evaluate...
May 2, 20171 min read


May We Have Your Attention Please?
Now that’s a lot of drivers admitting to risky behavior behind the wheel! The result is an increase in auto losses, and auto rates...
Mar 7, 20172 min read


The Hidden Costs of Cheap Insurance – What Are You Getting for Your Money?
Would you hire an attorney based solely upon who has the cheapest hourly rates? Would you hire a financial planner or investment advisor...
Mar 3, 20172 min read


How Are Your Damages Estimated?
Once an accident happens and a claim is filed, you should speak with your claims adjuster. After you give your statement regarding the...
Dec 16, 20162 min read


What You Need to Know About Your Auto Liability Insurance
If you are found liable in an accident, it means that you could be held responsible for any property damage or bodily injury resulting...
Oct 6, 20162 min read


Driving Under the Influence – Things you need to know
A big misconception is that impairment is not based upon the type of alcohol consumed, but rather the number of drinks over a period of...
Sep 21, 20162 min read


Auto Insurance: Beyond the Basics
Beyond your basic limits for liability, if you select physical damage coverage and your vehicle is involved in an accident, there is a...
Sep 19, 20162 min read


School Safety Saves Lives
Be extra vigilant in school zones and residential neighborhoods, especially near bus stops, playgrounds, and parks. Leave enough time to...
Aug 25, 20162 min read


Understanding Rental Car Coverage
Watch our video for more on Rental Car Coverage. It’s my experience that one of the most frequently asked questions policyholders have...
Jul 21, 20163 min read


Why Is My Auto Damage Estimate Not What I Anticipated?
First, one must understand that there are several different parts available to repair an auto. There are original manufactured parts...
Jun 23, 20162 min read


Hoverboards: A “Hot” Insurance Risk
Firstly, and very disappointingly to my Back to the Future-loving self, modern hoverboards don’t actually fly. More troublesome are the...
Jun 13, 20162 min read


Driving Home the Importance of Improved Ergonomics
For example, let’s apply the same science to operating a vehicle. For those of you who enjoy watching competitive motorsports, I’m sure...
May 10, 20162 min read


After an Accident: What’s my Vehicle’s Repair Status?
Once your vehicle is brought into the shop, it’s moved into the line of vehicles to be repaired. Depending on the shop you use, it may be...
Apr 29, 20162 min read


Busted! Know Your Traffic Stop Etiquette
First things first – each year, many officers are injured from other motorists while conducting a “routine” traffic stop. The most common...
Apr 6, 20162 min read


A Growing Epidemic: Texting While Driving
Somewhere there is a 17-year-old student who will never see senior prom, a college student who will never see graduation and a young...
Mar 10, 20162 min read
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