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Independent Insurance Agent

Sullivan Insurance

If you believe the old adage that you are what you eat, it follows in the car insurance business that you're likely to drive what's on your mind. To put it plainly, when people are stressed and in a hurry, they tend to get in more accidents.

Recently, Quality Planning Corp. released their list of the top most crash-prone professions. Not surprisingly, the list probably aligns quite well with the types of jobs your mother always thought you'd do one day.

Perhaps it's a sign that the people getting in the most accidents tend to have the most stressful jobs. There's no yoga instructor on this list.

The top ten list sure looks like an overachiever's roll call and many of the professions on the list tend to get called into duty with some urgency.

Here's the list of the top ten, with speculation about why each profession tends to rank so highly (in italics):

1. DoctorsPer year, every 1,000 doctors average 109 accidents and 44 speeding tickets, landing them at the top of the list. Are these sleep-deprived residents and interns too tired to stay on the road, or do they just enjoy playing God in traffic?

2. Lawyers:  Per year, every 1,000 lawyers average 106 accidents and 37 speeding tickets. No need to chase ambulances when you're already at the scene of an accident!

3. Architects:  Per year, every 1,000 architects average 105 accidents and 72 speeding tickets. They may make a living at the drafting table, but on the road they can't seem to draw the line.

4. Real estate brokers:  Per year, every 1,000 real estate brokers average 102 accidents and 39 speeding tickets. No big secret why - have you ever seen a realtor without a cell phone glued to his or her head?

5. Enlisted military personnel:  Per year, every 1,000 enlisted military personnel average 99 accidents and 78 speeding tickets. Hey, you're not driving tanks, and cars are not targets!

6. Social workers:  Per year, every 1,000 enlisted social workers average 98 accidents and 33 speeding tickets. Looks like their concern for others doesn't extend to fellow drivers.

7. Manual laborer:  Per year, every 1,000 manual laborers average 96 accidents and 77 speeding tickets. For everyone's sake, these guys need a brake.

8. Analysts:  Per year, every 1,000 analysts average 95 accidents and 40 speeding tickets. Perhaps if they analyzed how much they could save with a good driver discount, they'd be more careful.

9. Engineers:  Per year, every 1,000 engineers average 94 accidents and 51 speeding tickets. It's probably not a good idea to use a slide rule while driving.

10. Consultants:  Per year, every 1,000 consultants average 94 accidents and 50 speeding tickets. Perhaps they could give themselves advice on how to be better drivers.

Do you find your profession on the list? Don't be alarmed if you fall into one of the above categories. While some insurance policies will ask for your profession when they write your policy, it's unlikely you'll be penalized if you tell them you're a doctor or lawyer given this information.

Car insurance policies are representative of a number of different factors, not the least of which is your driving record and the location of your vehicle when it's parked at night. No policy is given solely on a piece of data such as your profession.

In other words, this isn't a crafty excuse to drop out of medical school. Just be careful out there.

You may not be able to prevent most accidents from happening (that is why they call them "accidents"), but you can prepare financially by purchasing an Umbrella Policy.

What is an Umbrella Policy?

An Umbrella Policy, also referred to as an "excess liability", provides more advanced and broader liability coverage above and far beyond your home, auto or other underlying policy(s) (such as your Auto, Home, Boat, Motorcycle, Second Home, Rental Property, etc).

Who should purchase an Umbrella policy?

EVERYONE! You may think only the wealthy need excess liability insurance, but this assumption could not be farther from the truth. EVERYONE is at risk for a catastrophic lawsuit! Severity, NOT FREQUENCY, is the critical point, but tragically most people don't realize how important Umbrella/Excess Liability is until they have a massive financial loss. Umbrella policies exist to cover costly "over time" injuries/items such as rehabilitation, present & future medical, out-of-court settlements, defense costs, personal injury, property damage, etc. These settlements often result in SEVEN TO EIGHT FIGURE DOLLAR AMOUNTS, placing you and your family's financial future at risk! Contact your family attorney and ask their opinion on the need for an Umbrella/Excess Liability policy - we guarantee they will say "absolutely" you need an Umbrella Policy!

How much umbrella/excess liability coverage do you need?

The personal umbrella/excess liability coverage needed depends on your individual requirements, assets needing protection, and your risk tolerance. Umbrella policies usually range from $1,000,000 up to $5,000,000 (higher limits available). Standard $1 Million Umbrella is affordable, approximately $180/year for 1 house, 2 cars (it depends on underlying policy limits, # of autos and drivers, dwellings, boats, etc.).

So take a few minutes to think - are you, your family and your hard earned assets really protected against these types of risks/losses? Is your financial future at risk from a potential lawsuit? There is no magic formula for coverage - it is your decision as to what level of liability insurance you and your family need, but we recommend that EVERYONE have at least a $1 Million Umbrella Policy!



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Excellent conversion experience. Consider when renewing. The firm showed how much could be saved by converting insurances and bundling. They handled all of the paperwork and contacting the previous insurer. They followed up on all loose ends and handled everything well. They saved us money and provided excellent customer service. You have a personal interest in contacting this agency because they will save you money and provide you with excellent customer service. A couple months after conversion I traded for a new vehicle. Again the firm handled my transactions perfectly and even did the registry run for me, no charge. My old agent charged $10 for that. They are also very knowledgeable about life insurance and investments. You will know when you meet them that they are sincere in their customer focus. I wrote this review of the firm because I am impressed by their customer focus.