Augustine Insurance Group

Commercial auto insurance is a specialized policy designed to protect businesses that use vehicles for work-related purposes. This type of insurance covers vehicles like cars, trucks, vans, and trailers used in the course of business operations. It provides coverage for liability, physical damage, medical payments, and more, depending on the policy. Liability coverage is crucial, as it protects the business if a driver is at fault in an accident, covering costs related to injuries, property damage, and legal fees. Physical damage coverage can include collision and comprehensive coverage, protecting the vehicle against damage from accidents, theft, weather, and other risks. Medical payments or personal injury protection (PIP) help cover medical expenses for the driver and passengers after an accident. Additionally, uninsured/underinsured motorist coverage protects the business if the driver is involved in an accident with a driver who lacks adequate insurance. Commercial auto insurance is essential for safeguarding business assets and ensuring smooth operations.

https://search.app/3hTm1xX9E1mFMjRQ9

Who’s trashing Clarksville? Drivers, deputies notice rising amount of litter on local roads - ClarksvilleNow.com Roadside littering has been an eyesore and nuisance in Montgomery County over the years and it got worse during the COVID-19 pandemic. But lately, deputies have noticed a rising littering trend with the changing seasons, and so have concerned citizens.

https://www.wate.com/news/tennessee/do-not-text-new-tn-law-that-takes-effect-july-1-aims-to-end-unwanted-texts/

‘Do not text’: New TN law that takes effect July 1 aims to end unwanted texts A new law that takes effect on July 1, 2023 is aiming to put an end to unwanted texts, just as Tennessee’s “Do Not Call” registry has helped curb phone calls from telemarketers.

https://www.autoblog.com/article/insurance-companies-with-the-cheapest-national-average-rates/

Insurance companies with the cheapest national average rates - Autoblog Insurance rates are on the rise, but some companies have done much better than others at keeping their drivers' rates reasonable.

https://members.piatn.com/events/Details/batter-up-bash-pia-s-free-summer-social-event-1144086?sourceTypeId=Website

Baseball Bash--PIA's FREE Summer Social Event Good food, good fun, good people--you can get all the above at our free Summer Social Event. Join other agents and company partners at RedBird Autozone Stadium's private Chill Zone for baseball, pool, food and drinks, and make connections with your peers in other area agencies. The event is fre...

Propane grills can be a great way to cook outdoors, but it's important to follow safety guidelines to prevent accidents. Here are some key tips for safe use:

Before Use:
Check for Leaks: Regularly check the propane tank and hose for leaks. You can apply a soap and water solution to the hose and connections. If you see bubbles, there's a leak.
Inspect the Grill: Please make sure the grill is clean and in good working order. Look for any blockages or wear and tear that might affect performance.
Place Properly: Set up your grill in a well-ventilated area away from flammable materials, including your house, deck railings, and overhanging branches.

https://clarksvillenow.com/local/clarksville-police-department-issues-reminder-on-fireworks-rules-ahead-of-july-fourth/

Clarksville Police Department issues reminder on fireworks rules ahead of July Fourth - ClarksvilleNow.com The Clarksville Police Department wants to make sure the citizens are aware of the City of Clarksville Ordinance Section 10-218. Fireworks-Unlawful to explode.

Progressive is a well-known insurance company in the United States, primarily recognized for its auto insurance offerings. However, Progressive also provides insurance solutions for other types of vehicles and equipment, including tractors.

How to repel ticks in your yard – 5 expert ways to prevent them from coming in

How to repel ticks in your yard – 5 expert ways to prevent them from coming in Ticks can be a real problem, particularly in the warmer months – we turned to pest control experts for the best ways to keep them at bay

On Your Side: Home insurance policies could move to a one-percent deductible

On Your Side: Home insurance policies could move to a one-percent deductible If you have renewed your home insurance policy or are about to, your premiums are likely rising.

https://weather.com/storms/tornado/news/2024-06-04-tornado-alley-shifted-study-coleman-et-al-2024

'Tornado Alley' Has Shifted, Study Says | Weather.com Another study has punctured the preconceived notion of where America's tornadoes happen most. - Articles from The Weather Channel | weather.com

The average car on American roads is now 12.6 years old

The average car on American roads is now 12.6 years old - Autoblog S&P Global Mobility's latest study found that Americans are hanging onto their cars for longer than ever.

https://www.youtube.com/watch?v=NddCaoNn1lI

Controversy grows over dangerous guardrails Calls for the overhaul of the dangerous guardrails have come over claims that the rails impale cars and people upon impact, causing more harm.

Memorial Day was originally known as Decoration Day, a time set aside after the Civil War to honor the fallen soldiers by decorating their graves. It was first widely observed on May 30, 1868.
National Holiday: It became an official federal holiday in 1971, observed on the last Monday of May each year to allow for a three-day weekend.

https://www.foxbusiness.com/media/high-tech-cars-drive-prices-turning-auto-repairs-major-investments

High-tech cars drive up prices, turning auto repairs into major investments Andrey Shumylo, owner of Shums Auto Repair in the Philadelphia suburbs, explained why car repairs have become increasingly expensive in recent years on FOX Business' "Varney & Co."

https://www.autoblog.com/2024/05/07/these-states-have-the-highest-rates-of-road-rage-gun-violence/

These states have the highest rates of road rage gun violence - Autoblog ConsumerAffairs recently studied road rage in the United States, finding that an alarming number of drivers in some places resort to fi****ms for problem resolution.

Boat insurance is a type of insurance that provides coverage for boats and personal watercraft. Just like car insurance, boat insurance protects against financial loss due to accidents, theft, or other unforeseen events. It typically covers damage to the boat itself, liability for injuries or property damage caused by the boat, and sometimes medical payments for injuries to the boat owner and passengers.

The coverage options and cost of boat insurance can vary depending on factors such as the type and size of the boat, its value, how it's used, where it's stored, and the owner's boating experience and driving record. It's important for boat owners to carefully consider their insurance needs and shop around for the best coverage and rates.

https://www.autoblog.com/2024/04/14/why-car-insurance-rates-highest-47-years/

Why car insurance costs are rising at the fastest rate in 47 years - Autoblog Car insurance rates are rising faster than in the last 47 years, and its due to all kinds of reasons including more claims and expensive parts among others

Life insurance is important for several reasons, providing financial protection and peace of mind for individuals and their families. Here are some key reasons why life insurance is considered important:

Financial Security for Dependents:

One of the primary purposes of life insurance is to provide financial security to dependents (such as spouses, children, or other family members) in the event of the policyholder's death.
The death benefit paid out by the insurance policy can help cover living expenses, mortgage payments, education costs, and other financial obligations.
Debt Repayment:

Life insurance can be used to pay off outstanding debts and liabilities, ensuring that the burden of debt does not fall on the surviving family members.
This can include mortgage payments, car loans, credit card debt, and other financial obligations.
Income Replacement:

For families that rely on the income of the policyholder, life insurance serves as a means to replace lost income in the event of the policyholder's death.
This ensures that the surviving family members can maintain their standard of living and cover ongoing expenses.
Funeral and Final Expenses:

Life insurance can help cover the costs associated with funeral and burial expenses, relieving the financial burden on the family during a difficult time.
Estate Planning:

Life insurance can play a role in estate planning by providing liquidity to cover estate taxes and other expenses. It ensures that assets can be distributed according to the individual's wishes without causing financial strain on the heirs.
Business Continuity:

For business owners, life insurance can be crucial for ensuring the continuity of the business in the event of the owner's death. It can help fund buy-sell agreements and provide financial support during a transition period.
Peace of Mind:

Knowing that there is financial protection in place can provide peace of mind to the policyholder. It allows individuals to focus on their daily lives without constant worry about the financial well-being of their loved ones in the event of their passing.
Risk Management:

Life insurance serves as a risk management tool, helping individuals and families mitigate the financial risks associated with unexpected death.
It's important to note that the specific benefits and features of life insurance policies can vary, and individuals should carefully consider their financial needs and goals when choosing a policy. Life insurance is a valuable tool for long-term financial planning and protection.

https://www.zdnet.com/article/driving-fast-or-braking-hard-your-connected-car-may-be-telling-your-insurance-company/

Driving fast or braking hard? Your connected car may be telling your insurance company The era of connected cars is presenting a new privacy problem - and it could drive up your insurance bill, too.

Driving in snow requires special attention and caution due to the slippery and unpredictable conditions. Here are some tips to help you drive safely in snowy conditions:

1. **Prepare Your Vehicle:**
- Ensure your vehicle is winter-ready with snow tires or chains if necessary.
- Check your brakes, tires, lights, and fluids before driving in snowy conditions.
- Keep your gas tank at least half full to prevent the fuel line from freezing.

2. **Drive Slowly:**
- Reduce your speed and accelerate and decelerate gradually to avoid skidding.
- Keep a safe following distance from the vehicle in front of you.

3. **Use Gentle Movements:**
- Make gentle turns and avoid abrupt steering maneuvers.
- Use smooth and gentle inputs for braking and acceleration.

4. **Anticipate Stops and Turns:**
- Brake early and gently to avoid skidding when coming to a stop.
- Start slowing down well in advance of turns.

5. **Avoid Sudden Acceleration:**
- Avoid spinning your wheels when starting from a stop; gently accelerate to avoid wheel slippage.
- If your vehicle has a manual transmission, start in second gear to reduce wheel spin.

6. **Maintain Traction:**
- Avoid sudden movements that can cause your tires to lose traction.
- If your vehicle starts to skid, steer in the direction you want to go.

7. **Use Winter Tires:**
- Winter tires are designed for improved traction in snowy and icy conditions.

8. **Clear Snow and Ice:**
- Clear all snow and ice from your vehicle, including windows, mirrors, lights, and the roof.
- Use a snow brush and ice scraper to ensure visibility.

9. **Know Your Brakes:**
- If your vehicle is equipped with anti-lock brakes (ABS), apply steady pressure; do not pump the brakes.
- If you don't have ABS, pump the brakes gently if you start to skid.

10. **Stay Informed:**
- Check weather and road conditions before you start your journey.
- Listen to traffic reports for updates on road conditions.

11. **Use Low Beams in Snowstorms:**
- Turn on your low-beam headlights to increase visibility in heavy snowfall.

12. **Have an Emergency Kit:**
- Keep an emergency kit in your vehicle, including items like blankets, a flashlight, extra warm clothing, and non-perishable snacks.

Remember, it's crucial to adjust your driving habits to the current weather conditions and always prioritize safety. If conditions are severe, consider delaying your trip or using public transportation if possible.

https://www.abc27.com/news/consumer/recalls/thousands-of-propane-tanks-recalled-due-to-fire-hazard/

Thousands of propane tanks recalled due to fire hazard (WHTM) — Thousands of propane exchange tanks have been recalled by Worthington Enterprises, the U.S. Consumer Product Safety Commission announced Thursday. According to the commission, the re…

https://www.wkrn.com/special-reports/deadly-motorcycle-crashes-on-the-rise-in-clarksville/

Deadly motorcycle crashes on the rise in Clarksville One of the first lines of defense for motorcycle riders is safety equipment, which is something the Tennessee Highway Patrol knows and is working to enforce along with increasing awareness of other…

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Bill would ban sale of cold beer in Tennessee - NewsBreak Two Republican lawmakers have introduced a bill that would prohibit the sale of refrigerated or cold beer in Tennessee.

https://www.foxbusiness.com/economy/car-insurance-rates-2024-jump-26-across-us-report-says

Car insurance rates in 2024 jump 26% across the US, report says Car insurance premiums have increased 26% over the past year amid inflation and other factors, according to a new report released this week.

Its time to ride make sure it is covered.

https://clarksvillenow.com/local/license-plate-readers-in-place-solving-crimes-along-highways-in-montgomery-county/

License Plate Readers in place, solving crimes along highways in Montgomery County - ClarksvilleNow.com A recent high-profile crime being solved in Montgomery County left some people with a question: When did we get Automatic License Plate Readers? They've been in place for a few years, and at specific locations.

https://sos.tn.gov/press-releases/secretary-of-state-tre-hargett-issues-new-warning-to-tennesseans-about-uniform

Secretary of State Tre Hargett Issues New Warning to Tennesseans About Uniform Commercial Code Scam | Tennessee Secretary of State In 2021, Congress enacted the Corporate Transparency Act. This law creates a beneficial ownership information reporting requirement. Beginning January 1, 2024, many companies will have to report information about their beneficial owners to the U.S. Department of the Treasury’s Financial Crimes Enf...