http://www.allinsurance2go.com/blog/View Jones & Associates Insurance Agency's Website Blogen-uspostmaster@www.allinsurance2go.comInsurance Website Builder - www.insurancewebsitebuilder.comurn:uuid:e6a2a56a-e658-4a68-ba31-8e7c82a47664urn:uuid:e4ad89ac-8392-4644-b6d2-943926ab77cf<img src='http://emailimages2.progressive.com/eNav?trkId=we4326780083&amp;imgUrl=emailImages2.progressive.com/NetmailForAgents_Images/proglogo.png' align='left' /> ...Fri, 06 May 2011 16:09:11 -0500<table width="680" style="border-collapse: collapse;" border="1" cellpadding="5"> <tbody> <tr> <td> <table width="650" border="0" cellspacing="0" cellpadding="0"> <tbody> <tr> <td valign="middle"> <div style="text-align: left;"><img width="190" height="23" style="margin: 8px 20px;" alt="Progressive" src="http://emailimages2.progressive.com/eNav?trkId=we4326780083&amp;imgUrl=emailImages2.progressive.com/NetmailForAgents_Images/proglogo.png" /></div> </td> <td valign="middle"><img width="81" height="40" style="margin: 3px 20px; float: right;" alt="Progressive Immediate Response Vehicle" src="http://emailimages2.progressive.com/NetmailForAgents_Images/irv_header.png" /></td> </tr> <tr> <td colspan="2"><img width="650" height="10" alt="Blue and Orange Bar" src="http://emailimages2.progressive.com/NetmailForAgents_Images/progbar.png" /></td> </tr> <tr> <td colspan="2"><img width="650" height="23" alt="[]" src="http://emailimages2.progressive.com/NetmailForAgents_Images/spacer.gif" /></td> </tr> <tr> <td colspan="2"> <table cellspacing="0" cellpadding="0"> <tbody> <tr> <td valign="top" style="width: 453px;"> <table width="100%" border="0" cellspacing="0" cellpadding="0"> <tbody> <tr> <td valign="top" style="width: 3%;"><img width="20" height="2" alt="[]" src="http://emailimages2.progressive.com/NetmailForAgents_Images/spacer.gif" /><br /> <br /> </td> <td style="width: 97%;"><strong>If your a&nbsp;religious organizations&nbsp;call for a free Commercial Auto&nbsp;insurance quote!</strong>&nbsp;<br /> <br /> Beginning May 4, 2011, we're expanding our commercial auto program guidelines for Religious Organizations. You can now receive a&nbsp;quote from&nbsp;us on organizations that may pick up passengers at home for church activities, as well as those that may transport children and other passengers on field trips.* <br /> <br /> We offer Religious Organizations some of the broadest commercial auto coverage and acceptability in the industry: <ul> <li>We accept all vehicles used by religious organizations, such as small vans, 15-passenger vans, autos, and buses. </li> <li>We accept all faith-based organization types: churches, synagogues, camps, schools, non-profit organizations, and more. </li> <li>We accept organizations traveling to various destinations, and home pick-up for passengers. </li> <li>We accept all drivers, whether they have points or clean driving records, or are novice or expert. </li> </ul> We offer many affordable features for these organizations, including: <ul> <li>Competitive rates </li> <li>Stackable discounts </li> <li>Low initial payments with many bill plans </li> <li>Multiple payment options (check, credit card, automatic withdrawal, and more) </li> </ul> Please contact your local independent agent in Maryland at 301-899-6117. <br /> <br /> We look forward to hearing from you.<br /> &nbsp;<br /> Jones &amp; Associates Insurance Agency, Inc.<br /> 6011 Allentown Rd.<br /> Camp Springs, MD 20746<br /> <br /> Telephone: 301-899-6117<br /> www.allinsurance2go.com<br /> <a href="http://www.contractorinsurance2go.com">www.contractorinsurance2go.com</a><br /> <br /> * Note: Organizations that transport children between school or day care <strong>and home</strong> are unacceptable. </td> </tr> </tbody> </table> </td> <td style="width: 20px;"><img width="20" height="1" alt="[]" src="http://emailimages2.progressive.com/NetmailForAgents_Images/spacer.gif" /></td> <td valign="top" style="background-color: #cdd8e0; width: 1px;"></td> <td style="width: 20px;"><img width="20" height="1" alt="[]" src="http://emailimages2.progressive.com/NetmailForAgents_Images/spacer.gif" /></td> <td valign="top" style="width: 154px;"> <table width="100%" border="0" cellspacing="0" cellpadding="0"> <tbody> <tr> <td><strong>Need Help?</strong></td> </tr> <tr> <td><img width="5" height="5" alt="[]" src="http://emailimages2.progressive.com/NetmailForAgents_Images/spacer.gif" /></td> </tr> <tr> <td><strong>Web<br /> </strong><a href="http://www.allinsurance2go.com">www.allinsurance2go.com</a><br /> <strong>E-mail<br /> jonesinsurance@aol.com<a href="http://re.driveinsurance.com/?we4326780083+H2" style="color: #0056b7;" target="_blank">&nbsp;</a></strong><br /> <br /> <b>Phone</b><br /> 1-301-899-6117</td> </tr> </tbody> </table> </td> </tr> </tbody> </table> </td> </tr> <tr> <td align="center" colspan="2"><img width="5" height="20" alt="[]" src="http://emailimages2.progressive.com/NetmailForAgents_Images/spacer.gif" /></td> </tr> </tbody> </table> </td> </tr> </tbody> </table> <table width="680" cellspacing="0" cellpadding="5"> <tbody> <tr> <td> <p>&nbsp;</p> </td> </tr> </tbody> </table> <style> .AOLWebSuite .AOLPicturesFullSizeLink { height: 1px; width: 1px; overflow: hidden; } .AOLWebSuite a {color:blue; text-decoration: underline; cursor: pointer} .AOLWebSuite a.hsSig {cursor: default} </style> <link href="http://o.aolcdn.com/cdn.webmail.aol.com/33644/css/microformat.css" rel="stylesheet" type="text/css" />urn:uuid:c0484618-53ea-4a2c-84cf-9b5d2309529e<img src='http://www.allinsurance2go.com/img/~www.allinsurance2go.com/iStock_000000484384XSmall.jpg' align='left' /> Five Types of Insurance for Contractors to Consider Contractors get the freedom to work when and where they choose, but that doesn&rsquo;t give them freedom from risk. While there is an almost endless array of insurance policies you can cover yours...Mon, 28 Feb 2011 14:35:37 -0600<p><strong><img alt="" src="/img/~www.allinsurance2go.com/iStock_000000484384XSmall.jpg" /><br /> <br /> Five Types of Insurance for Contractors to Consider</strong></p> <p>Contractors get the freedom to work when and where they choose, but that doesn&rsquo;t give them freedom from risk. While there is an almost endless array of insurance policies you can cover yourself with as a contractor in order to protect yourself from these risks, following are four basic types of coverages that all contractors should consider having. </p> <p><strong>Professional liability:</strong> Professionals have liabilities that are specific to their profession as well as the medical and financial risk they expose their clients to. Professional liability insurance protects contractors from these risks; examples include malpractice insurance and errors and omission coverage. </p> <p><strong>General liability:</strong> As a contractor, your liabilities are different from those of a shop owner, but that doesn&rsquo;t mean that you have none. In fact, your liabilities could be numerous and may vary greatly depending on the line of work you are in. A general liability policy is the best way to ensure a broad-based coverage for much of your business liability risk. Builders risk, roofing contractor insurance and other industry-specific liability plans are also available and should be considered in order to achieve full protection.</p> <p><strong>Workers compensation:</strong> Sure you work as a contractor, but do you employee anyone to help you out? If you have a regular employee on your payroll then you need worker&rsquo;s compensation insurance. </p> <p><strong>Property insurance:</strong> Whether you need to protect the property you have in your home office or that which goes out with you into the field, property insurance ensures that you don&rsquo;t have to pay out of your business&rsquo; pocket to replace or repair damaged items. </p> <p><strong>Auto insurance:</strong> As a contractor, you may have a lot of driving to do for your business. If you need to drive to business meetings, drive to work and supervise activities onsite, or drive as part of a service you offer your clients, then a commercial auto insurance policy for contractors could save you many hassles in the future as it reimburses you for damages to your vehicle when it is used in the line of duty. </p> <p>If you aren&rsquo;t sure which type, or types, of insurance would be most appropriate for you as a contractor, let your agent know. Once he or she has a better picture of what your work entails, they can develop an insurance plan that covers all eventualities and even incorporates insurance types that are often associated with businesses rather than contractors&mdash;like group health plans and umbrella policies.&nbsp;&nbsp;<br /> <br /> Learn more about<strong>&nbsp;<a href="http://www.allinsurance2go.com/business/default.aspx">Maryland contractor insurance</a></strong>&nbsp;including types of coverage and factors that affect your insurance premium. <span style="line-height: 16px;"><strong></strong></span><a href="http://www.allinsurance2go.com/contact.aspx"><span style="line-height: 16px;"><strong>Contact</strong></span>&nbsp;</a>us to get free auto insurance quote at&nbsp;(301) 899-6117.</p>urn:uuid:1996c445-2bc9-4e51-a078-057478f4bc84<img src='http://www.allinsurance2go.com/img/~www.allinsurance2go.com/iStock_000010630716XSmall.jpg' align='left' />Sometimes it can feel as though your entire working life adds up to just one single life-defining event each year&mdash;Vacation. And that vacation, while important for reminding you that there is a reason you work so hard all year round, must be pla...Tue, 25 Jan 2011 17:49:03 -0600<p><img style="width: 300px; margin-bottom: 10px; float: right; margin-left: 10px;" alt="Auto Insurance" src="/img/~www.allinsurance2go.com/iStock_000010630716XSmall.jpg" />Sometimes it can feel as though your entire working life adds up to just one single life-defining event each year&mdash;Vacation. And that vacation, while important for reminding you that there is a reason you work so hard all year round, must be planned so that it offers you the most bang for the buck that you can afford. </p> <p>When you budget your vacation and the cost of your rental car, it is easy to forget to factor in the cost of rental car insurance. But unless you want to come home from your vacation with a car repair bill that rivals the cost of a first-class vacation overseas, then you should probably consider buying rental car insurance or finding out whether you already have sufficient protection through other means.</p> <p><strong>Does your auto insurance policy cover it?</strong></p> <p>The first thing you can do is <a href="http://www.allinsurance2go.com/contact.aspx">contact</a> your insurance agent to find out what coverage you have for rental cars through your existing <a href="http://www.allinsurance2go.com/automobile/default.aspx">auto insurance policy</a>. You want to make sure that you have something to protect yourself in the event of an accident, theft, and vandalism. This coverage should not just include protection for damage to the car, but also property damage and bodily injury as well. </p> <p><strong>Does your credit card offer any insurance? </strong></p> <p>Next, you can check with your credit card company. Many credit cards offer special protections for their clients when they use the credit card to pay for their rental car fees. Call the credit card company that you plan to use while you are on vacation and see if they have this protection. When you do, make sure you also ask about any special protocol you must observe in order to have the insurance coverage. </p> <p><strong>Cover All Drivers</strong></p> <p>Finally, you need to make sure that any other person you plan to have drive the rental car has the same coverages, because your personal insurance and credit card protection might not extend to another individual driver who is not named on your credit card or auto insurance policy. </p> <p>By coordinating the benefits offered by both your credit card and your auto insurance policy, you may be able to avoid the expense of rental car insurance. But if there are any gaps in the coverages you get between the credit card and auto policy, make sure you try to fill it with the insurance offered by the rental car company so that you can spend your vacation relaxing and enjoying your time rather than worrying about potential damages and expenses. <br /> <br /> Call us at <strong>301-899-6117</strong> to a <a href="http://www.allinsurance2go.com/automobile/quick_insurance_quote.aspx">free auto insurance quote in Maryland</a>, Virginia or Washington D.C.</p>urn:uuid:f35a1966-b191-4148-baf1-5e70b9bbcc9a<img src='http://www.allinsurance2go.com/img/~www.allinsurance2go.com/iStock_000001676426XSmall.jpg' align='left' />Your individualized quote for homeowners insurance is not found on any kind of static chart that matches your age, home value and deductible information to a set price. Homeowners insurance quotes are specifically developed for each applicant and are...Tue, 04 Jan 2011 10:26:38 -0600<p>Your individualized quote for <strong>homeowners insurance</strong> is not found on any kind of static chart that matches your age, home value and deductible information to a set price. Homeowners insurance quotes are specifically developed for each applicant and are based on the very personal details of your lifestyle and living space. Here&rsquo;s a taste of what some of the factors involved in your premium pricing include:</p> <p><strong><img style="width: 300px; margin-bottom: 10px; float: right; height: 200px; margin-left: 10px;" alt="Homeowners Insurance" src="/img/~www.allinsurance2go.com/iStock_000001676426XSmall.jpg" />The age of your home</strong>: Older homes are less fortified against natural disasters than newer homes, and are also more expensive to repair. Newer homes are built to new safety standards and with more durable materials. What does this mean to you? That if you have an older home, you can expect a more expensive homeowners insurance quote. </p> <p><strong>The construction of your home</strong>: Wood frame houses are susceptible to fire in a way that concrete block and brick homes are not. Concrete homes can also stand up to harsher environmental elements. That makes wood frame houses more expensive to insure.</p> <p><strong>The breed of dog you have</strong>: You might think your pets have no bearing on the price of your homeowners insurance premium&mdash;but then, you&rsquo;d be wrong. Some breeds of dog are known for their propensity to attack strangers. While your dog might be perfectly trained and accepting of a belly rub from anyone on the block, if you have one of the higher risk breeds then the reputation of the breed supersedes Fido&rsquo;s prior behavior and will result in a higher insurance premium due to increased liability.</p> <p><strong>Fire protection options</strong>: Smaller towns don&rsquo;t always have their own fire department. Instead, they might have a volunteer force to fight the small blazes, with the bigger city force stepping in to handle the larger fires. The type of fire fighting force you have access to in your home will help determine what types of rates you are charged for your insurance. In addition, your proximity to a fire hydrant can affect the premiums you are charged&mdash;with closer proximity rewarded by lower premiums. </p> <p>Insurance companies need to know all the details when they are evaluating your property for <strong>homeowners insurance coverage</strong>. Each of the details above, along with countless others, come together to create a picture of the total risk you and your family expose the insurance company to. It is this comprehensive picture with both positive and negative points that will determine the premium you are charged.</p>urn:uuid:9f8f4fbe-ebae-4196-ab54-fa4160ce2d59<img src='http://www.allinsurance2go.com/img/%7Ewww.allinsurance2go.com/contractors.jpg' align='left' />Potential Liabilities Considerations for Business Owners There are so many things to do and consider when deciding whether or not to go into business for yourself.&nbsp; One very important item to consider is the potential you have to be sued because...Mon, 20 Dec 2010 10:03:03 -0600<h2>Potential Liabilities Considerations for Business Owners</h2> <p><img alt="" src="/img/%7Ewww.allinsurance2go.com/contractors.jpg" style="float: right; margin-left: 7px; width: 300px;" />There are so many things to do and consider when deciding whether or not to go into business for yourself.&nbsp; One very important item to consider is the potential you have to be sued because of your actions or inactions as a business owner.&nbsp; We have listed some common potential liability exposures business owners face:</p> <ul> <li><strong>Premises Liability</strong> &ndash; the potential for visitors to be injured or harmed while at a business location.</li> <li><strong>Operations Liability</strong> &ndash; the potential for injury to occur because of the work performed by the business.</li> <li><strong>Products Liability</strong> &ndash; the potential for products manufactured by a business to cause harm or injury</li> <li><strong>Injury to employees</strong> &ndash; laws exist that dictate the liability a business owner can have when an employee is injured during the course of employment.</li> <li><strong>Professional liability</strong> &ndash; Professionals, for example doctors and lawyers, can have additional legal duties placed on them because of their professional status.</li> <li><strong>Management Liability</strong> &ndash; the potential for directors and officers of a business to be liable because of their responsibilities to those they serve.</li> </ul> <p>Let our agency <a href="http://www.allinsurance2go.com/contact.aspx">help you determine</a> what risks your business can face and the appropriate insurance coverage you need so you can rest easy knowing you are properly covered at a cost that can meet your budget. <br /> <br /> ---</p> <p>Maryland Insurance consumers and independent agents deserve the best. Look no further - Jones &amp; Associates Insurance Agency is part of the Independent Insurance Agents of Maryland (<a href="http://www.iiamd.org/" target="_blank">IIAM</a>), with it's history going back to 1904 and incorporated in 1936, has served the agents of Maryland with the dedication and enthusiasm that they deserve. Our insurance professionals are dedicated to serving your needs. Jones &amp; Associates can help you with your contractors insurance, including insurance for painters, electricians, HVAC, drywall and plumbers and many others in Clinton, Suitland, all of Prince George's County and surrounding areas. Call us at <strong>301-899-6117</strong> or click for a free <a href="http://www.allinsurance2go.com/business/default.aspx">online quote</a>.</p>urn:uuid:9fa824e8-2508-4131-bfc1-18b41c23bc9e<img src='http://www.allinsurance2go.com/img/%7Ewww.allinsurance2go.com/dashboard_car.jpg' align='left' />We look away from the road for a few seconds to grab our coffee cup or glance at a billboard, we leave a little late for work and drive too fast, we drift off after a long haul on a monotonous road, or we freeze-up and fail to react to an erratic dri...Wed, 24 Nov 2010 13:54:40 -0600<img alt="" src="/img/%7Ewww.allinsurance2go.com/dashboard_car.jpg" style="float: right; margin-right: 7px; margin-left: 7px;" />We look away from the road for a few seconds to grab our coffee cup or glance at a billboard, we leave a little late for work and drive too fast, we drift off after a long haul on a monotonous road, or we freeze-up and fail to react to an erratic driver or an obstacle on the road. The sad fact is that these common errors are responsible for most of the accidents on the road, and they are all the responsibility of the driver.<br /> <br /> <strong>But what if our cars could protect us from ourselves?</strong> That&rsquo;s just what some new high-tech safety features like these are aiming to do.<br /> <br /> <strong>Warnings</strong><br /> <ul> <li style="margin-bottom: 10px;">Lane Departure Warning &ndash; It&rsquo;s easy to veer into another lane when your attention is called elsewhere as you drive. This dangerous situation will be prevented with a lane departure warning system that uses cameras to identify lane markings and warns you when you&rsquo;ve drifted too close without using your turn signal or turning the wheel. </li> <li style="margin-bottom: 10px;">Following Radar &ndash; Another side-effect of not paying attention at the wheel is rear collisions. Several new cars have already been equipped with a radar that alerts you when you are driving too close to another vehicle. </li> <li>Drowsiness Detector &ndash; Falling asleep at the wheel can happen quickly and with little to no warning during a monotonous drive on the interstate. New drowsiness detectors are cameras that keep an eye on a driver&rsquo;s face and detect signs of sleepiness&mdash;like drooping eyelids or rapid blinking. Other forms of drowsiness detection perceive whether drivers are moving the wheel erratically, which is a sign of tiredness behind the wheel. </li> </ul> <strong>Vision Assistance</strong><br /> <ul> <li style="margin-bottom: 10px;">Blind Spot Assistance &ndash; Changing lanes is one of the most dangerous things you can do while driving on the interstate, which explains why so many mirrors and electronic auto safety gadgets have been invented to prevent you from hitting another car while you do it. Blind spot detection technology uses cameras to let you know when someone is in your no-see-zone. </li> <li>Night Vision Assistance &ndash; It&rsquo;s any driver&rsquo;s worst nightmare; there they are, driving at night and, though they see nothing, they are suddenly greeted by a thud and a jostling of their car. Night vision makes drivers virtually blind in areas outside the reach of their headlights, giving them less time to react and compensate for coming obstructions. Night vision systems in cars can detect objects further down the road than our eyes can and can even detect large shapes like animals or people in dark clothing walking along the road. </li> </ul> All the advanced technology in the world is not an excuse for driving in an unsafe manner. As a driver, your first priority should be to acknowledge your own frailties and make sure that you compensate for them by changing the time of day that you drive, having someone else driver for you or utilizing the helpful instruments listed above.urn:uuid:7d34ea52-c9d7-4488-b315-68a4dfa86f38Read through our most recent blog entries from around the web: Changes to the&nbsp;Maryland driving system Home insurance&nbsp;to keep in mind during parties Tips for hiring when making home repairs Your odds of&nbsp;driving into ...Mon, 01 Nov 2010 13:29:26 -0500<h2>Read through our most recent blog entries from around the web:</h2> <ul> <li style="padding-bottom: 5px;">Changes to the&nbsp;<a href="http://www.allinsurance2go.com/blog/Changes_to_the_Maryland_Graduated_Driver_Licensing_System.aspx" title="MD Auto Insurance" target="_self">Maryland driving</a> system </li> <li style="padding-bottom: 5px;"><a href="http://blogs.myspace.com/index.cfm?fuseaction=blog.view&amp;friendId=529829698&amp;blogId=540244332" title="Home insurance" target="_blank">Home insurance</a>&nbsp;to keep in mind during parties </li> <li style="padding-bottom: 5px;">Tips for hiring when making <a href="http://jonesandassociates.blogspot.com/2010/10/officials-be-careful-in-hiring-for-home.html" title="Home Insurance" target="_blank">home repairs</a> </li> <li style="padding-bottom: 5px;">Your odds of&nbsp;<a href="http://jonesandassociates.typepad.com/blog/2010/10/driving-into-a-deer.html" title="Auto Insurance" target="_blank">driving into a deer</a> this season </li> <li>New&nbsp;<a href="http://jones-assoc.livejournal.com/1911.html" title="Home Insurance" target="_blank">reverse mortgage law</a> going into effect </li> </ul> <p>Be sure to check back with us for more updates!</p>urn:uuid:2422712b-5639-4972-87e4-0d856744b371<img src='http://www.allinsurance2go.com/img/~www.allinsurance2go.com/iStock_000001234873XSmall.jpg' align='left' />Driving is a serious responsibility and the instincts, calmness and reaction skills necessary to be a good driver aren&rsquo;t learned after just a few driving lessons or by reading a book&mdash;they are developed with years and years of practice. Be...Mon, 25 Oct 2010 13:27:22 -0500<p style="margin: 0in 0in 10pt;">Driving is a serious responsibility and the instincts, calmness and reaction skills necessary to be a good driver <strong>aren&rsquo;t learned after just a few driving lessons</strong> or by reading a book&mdash;they are <strong>developed with years and years of practice</strong>.</p> <p style="margin: 0in 0in 10pt;">Because practice is so important in creating a good driver, the state of Maryland has a <strong>graduated driver&rsquo;s license law</strong> that requires teens to obtain a learner&rsquo;s permit initially, then a provisional license (which requires the completion of a driver&rsquo;s education course and parental consent, unless you are 18 or older, before you can get it), and then&mdash;once they meet certain criteria&mdash;a full license. </p> <p style="margin: 0in 0in 10pt;">Recently, the state changed some of the laws associated with each of these license types. Here is an overview of the changes:</p> <ol> <li> <p style="margin: 0in 0in 10pt 0.5in;"><strong>Learner&rsquo;s permits must be held for 9 months</strong>. In the past the requirement had been to hold the learner&rsquo;s permit for only 6 months, but the additional 3 months now required can really help a new driver hone their skills.</p> </li> <li> <p style="margin: 0in 0in 10pt 0.5in;">A provisional license <strong>cannot be issued until you reach 16 years and 6 months old</strong>, rather than the 16 years and 3 months that were acceptable in the past.&nbsp; </p> </li> <li> <p style="margin: 0in 0in 10pt 0.5in;"><img style="width: 300px; margin-bottom: 10px; float: right; height: 199px; margin-left: 10px;" alt="Drivers License" src="/img/~www.allinsurance2go.com/iStock_000001234873XSmall.jpg" />Would-be drivers<strong> must be conviction free and Probation Before Judgment (PBJ) free for 9 months</strong>. In the past, would-be drivers needed only to be conviction free for 6 months and there was no PBJ restriction. </p> </li> <li> <p style="margin: 0in 0in 10pt 0.5in;">You cannot get a full license <strong>until you reach the age of 18</strong>. In the past, you could get a full license at age 17 years and 9 months. </p> </li> <li> <p style="margin: 0in 0in 10pt 0.5in;">You <strong>must be PBJ free for 18 months</strong> before you can get a full license. There was no restriction in the past. </p> </li> <li> <p style="margin: 0in 0in 10pt 0.5in;">You will receive a <strong>6-month license suspension</strong> if you are found to have committed reckless driving, aggressive driving, racing or negligent driving and it is your first offense. A 12-month suspension will be assigned for a second offense. </p> </li> <li> <p style="margin: 0in 0in 10pt 0.5in;">You are <strong>prohibited from texting while driving</strong>. This is a completely new law.</p> </li> <li> <p style="margin: 0in 0in 10pt 0.5in;">Your license can be <strong>suspended for 6-months if you accumulate 5 or more points</strong> within a 12-month period and a 12-month suspension for a second offense. </p> </li> </ol> While these might seem like a lot more hoops to jump on your way to freedom as a fully licensed driver, these rules have been developed to <strong>help ensure the safety of you and other drivers</strong>.<br /> <br /> <em>Check with us today to make sure you're clear on the new rules of your&nbsp;</em><a href="http://www.allinsurance2go.com" title="Auto Insurance"><em>Clinton MD Auto Insurance</em></a><em> with Jones &amp; Associates</em>urn:uuid:ee67bd4f-1dde-44f3-ae9b-9ea87f51d03bCheck out our recent blog postings from around the web: Dog Bites and Homeowners Insurance Maryland offers homebuying incentives to BRAC workers Insurer paying $101,000 in fines, restitution for rate violations Poverty in Maryland and country rising...Thu, 30 Sep 2010 18:44:48 -0500Check out our recent blog postings from around the web:<br /> <br /> <a href="http://www.allinsurance2go.com/blog/Dog_Bites_and_Homeowners_Insurance.aspx" title="Dog Bites and Homeowners Insurance">Dog Bites and Homeowners Insurance</a><br /> <a href="http://jonesandassociates.blogspot.com/2010/09/maryland-offers-homebuying-incentives.html" title="Clinton MD Home Insurance" target="_blank">Maryland offers homebuying incentives to BRAC workers</a><br /> <a href="http://jonesandassociates.typepad.com/blog/2010/09/insurer-paying-101000-in-fines.html" title="Insurer Paying Fines" target="_blank">Insurer paying $101,000 in fines, restitution for rate violations</a><br /> <a href="http://blogs.myspace.com/index.cfm?fuseaction=blog.view&amp;friendId=529829698&amp;blogId=539563336" title="Maryland Poverty" target="_blank">Poverty in Maryland and country rising at alarming rate</a><br /> <a href="http://jones-assoc.livejournal.com/1775.html" title="MD Health Care" target="_blank">Md. health care chief calls for law, policy changes in response to stents query</a><br /> <br /> Be sure to check back for more updates!urn:uuid:9aee0474-0c0b-4088-b492-e572b0797c58<img src='http://www.allinsurance2go.com/img/%7Ewww.allinsurance2go.com/house_pets.jpg' align='left' />According to the Humane Society, approximately 39 percent of all households in the United States are home to at least one dog. While dogs make heartfelt companions, irreplaceable playmates for children, and devoted guards, they can also sometimes pos...Thu, 30 Sep 2010 17:07:54 -0500<p style="margin: auto 0in;"><img src="/img/%7Ewww.allinsurance2go.com/house_pets.jpg" alt="Clinton MD Home Insurance" style="width: 300px; margin-bottom: 10px; float: right; margin-left: 10px;" />According to the Humane Society, approximately 39 percent of all households in the United States are home to at least one dog. While dogs make heartfelt companions, irreplaceable playmates for children, and devoted guards, they can also sometimes <strong>pose a problem when it comes to <a title="Clinton MD Home Insurance" style="color: #000000;" href="http://www.allinsurance2go.com/homeowners/request_declaration_page.aspx">homeowners insurance</a></strong>. </p> <p style="margin: auto 0in;">The fact is, many state laws <strong>hold owners responsible</strong> for the actions of their dogs. If someone who has a lawful right to be on a premises is bitten by a dog (for example, a mailman, a neighbor, or an invited guest), then the owner is, in many states, <strong>fully liable for paying for the care</strong> of the resulting injuries. It is because of this fact that the presence of some dog breeds&mdash;generally those considered especially dangerous&mdash;make it difficult to find a <a title="Clinton MD Home Insurance" style="color: #000000;" href="http://www.allinsurance2go.com/framed.aspx?ref=900">homeowners insurance policy</a>.</p> <p style="margin: auto 0in;">Are insurers right to be worried? You bet they are. According to a 1996 survey by the Centers for Disease Control and Prevention (CDC),<strong> 4.7 million people are bitten annually by dogs</strong>. That means 2 percent of the entire U.S. population runs afoul of Fido each year. About 800,000 of these bites were thought to be serious enough to warrant medical attention. With the high cost of medical care these days, it&rsquo;s easy to see why insurers have become<strong> leery of insuring certain dangerous breeds</strong>. <br /> <br /> </p> <p style="margin: auto 0in;">Which breeds have insurers running the other way? The usual suspects include <span style="color: #61975b;"><strong>pit bull terriers, Rottweilers, German shepherds, Akitas, Siberian Huskies, Alaskan Malamutes, Chow Chows, and Doberman Pinschers</strong></span>. If you are a homeowner and own one of these breeds of dogs, no matter how sweet and loving your individual dog may be, you may still be facing a <strong>heftier homeowners insurance premium</strong> than others on your street. <br /> <br /> </p> <p style="margin: auto 0in;">It is generally recommended that you purchase a homeowners insurance policy with a<strong> clause covering injury by dogs or other animals</strong> to ensure that you, as the homeowner, are able to pay the appropriate amount of compensation in the event that your dog bites someone. Given the fact that most dog bite injuries are inflicted on friends, relatives or neighbors of the homeowner, this also ensures that the people closest to you are well provided for in the event of an unexpected dog attack. <br /> <br /> </p> The best way to prevent having to file a dog bite claim on your homeowners policy, of course, is to prevent dog bites. Dog ownership is a huge responsibility, so make sure you train your dog properly, get your furry friend spayed or neutered, and train your children in the proper way to behave around animals. If you have guests over often, you may even want to invest in a muzzle to ensure they are safe from an overenthusiastic pet.<br /> <br /> <br /> Check with us <strong>today</strong>&nbsp;to see if your&nbsp;<a title="Clinton MD Home Insurance" href="http://www.allinsurance2go.com">Clinton MD Home Insurance</a> covers your dog as well!urn:uuid:81b85810-bbc8-4d1b-8f02-6efe189f15a9<img src='http://www.allinsurance2go.com/img/%7Ewww.allinsurance2go.com/colonial_house.jpg' align='left' /> Clinton is an unincorporated area and census-designated place (CDP) in Prince George's County, Maryland. Clinton was originally founded in the 1770s. The town, then named Surratt's Villa, was actually a simple crossroads with a few buildings. In the...Wed, 18 Aug 2010 16:47:54 -0500<img alt="" src="/img/%7Ewww.allinsurance2go.com/colonial_house.jpg" style="float: left; margin-right: 10px; margin-left: 10px;" /> <strong>Clinton</strong> is an unincorporated area and census-designated place (CDP) in Prince George's County, Maryland. Clinton was originally founded in the 1770s. The town, then named Surratt's Villa, was actually a simple crossroads with a few buildings. In the 1800s, it became known as Surrattsville.<br /> <br /> According to the U.S. Census Bureau, <strong>Maryland</strong> has the highest median household income of any state, having surpassed New Jersey in 2006; Maryland's median household income was $68,080 in 2007.&nbsp; For 2009, Maryland ranked first&mdash;for the third year in a row&mdash;as the U.S. state with the highest median income for 2008, with a median income of $70,545. Maryland was the seventh state to ratify the United States Constitution, and three nicknames for it, the Old Line State, the Free State, and the Chesapeake Bay State are occasionally used.<br /> <br /> A <a href="http://www.allinsurance2go.com/framed.aspx?ref=100" title="Homeowners Insurance Policy">homeowners insurance policy</a> is charged with an extremely important task: providing financial protection to make you (the policyholder) whole after an insurable incident that damages your greatest asset&mdash;your home. But if you don&rsquo;t understand what you are getting with the purchase of your homeowners insurance policy, you could be putting your home and financial future at risk. We at <strong>Jones &amp; Associates Insurance Agency</strong> can help you find the best policy at the best price. Call us today at <strong>301-899-6117</strong> or&nbsp; <a href="/contact.aspx" title="Contact us">contact us</a> to get a free <a href="http://www.allinsurance2go.com/category.aspx?id=QUOTE" title="Insurance Quotes">insurance quote</a>.<br /> <br /> (Source: <a href="http://en.wikipedia.org/wiki/Clinton,_Maryland">Wikipedia.org</a>)urn:uuid:f31632a1-9e13-4aac-88e9-cdb4f4446667<img src='http://www.allinsurance2go.com/img/%7Ewww.allinsurance2go.com/auto_theft.jpg' align='left' />Having insurance to provide benefits once your car is stolen is great&mdash;but do you know what is even better? Not having your car stolen. Not only can a claim for a stolen vehicle possibly raise your auto insurance rates, it is time consuming and ...Fri, 23 Jul 2010 15:20:59 -0500<p><img alt="" src="/img/%7Ewww.allinsurance2go.com/auto_theft.jpg" style="float: left;" />Having insurance to provide benefits once your car is stolen is great&mdash;but do you know what is even better? Not having your car stolen. Not only can a claim for a stolen vehicle possibly raise your auto insurance rates, it is time consuming and inconvenient. So instead of leaving it to chance, reduce your risk by following some of these auto theft prevention tips:</p> <ol style="list-style-type: decimal;" start="1"> <li><strong>Buy a car alarm:</strong> Car alarms are fantastic devices to prevent auto theft. The noise they make calls attention to your car when someone gets too near or attempts to break in. Even though they are almost accepted as a natural sound in our modern landscape, bystanders still look when they are set off.</li> <li><strong>Lock your doors:</strong> It seems so basic, but locking your doors is a huge deterrent against auto theft. The longer it takes for someone to get into your car, the less likely they are to actually steal it. Leaving your doors unlocked is like sending out an engraved invitation. </li> <li><strong>Avoid hiding the spare:</strong> It is not uncommon for someone to hide a magnetized key case in their wheel well. While it is a handy trick, when you lock your keys in your car, to walk over to your wheel well and fish out the spare, it also serves as a handy trick to ensuring that your car gets stolen. It will help the thief avoid the <em>breaking</em> part of the entering making the theft that much quicker and easier. </li> <li><strong>Invest in a steering wheel lock device: </strong>The more barriers to entry and operation that you create the less likely it is that a thief will choose to steal your car. When a car is locked a thief must break open the lock; when a car&rsquo;s keys are gone a thief must hotwire the car; and when a steering wheel is locked by a locking device, a thief must figure out how to remove it before they can drive the car. Simply looking in your window and seeing one of these devices may be enough to deter them.&nbsp; If not, having one when someone breaks in could mean they can&rsquo;t drive away with your car. </li> <li><strong>Add a tracking device:</strong> There are many electronic tracking devices that will help alert the police to the location of your vehicle in the event that it gets stolen. While this won&rsquo;t prevent the vehicle from being stolen, it will help you get it back&mdash;maybe even in one piece. </li> <li><strong>Comprehensive auto insurance:</strong> Comprehensive coverage won&rsquo;t actually protect you against theft, but it will reimburse you if it should happen. Without comprehensive coverage you could be forced to pay entirely out-of-pocket for repairs to your stolen vehicle or a replacement.</li> </ol> <p>Remember, an ounce of prevention is worth a pound of cure and to avoid all the paperwork, phone calls, and claims involved in an auto theft, that quote has never been truer. Get a free <a title="Auto Insurance Quote" href="http://www.allinsurance2go.com/framed.aspx?ref=100">auto insurance quote</a> or call us today at <strong>301.899.6117</strong>.</p>urn:uuid:cf0d8633-0601-4540-80fc-4ee873da51e1Jones &amp; Associates specializing in Suitland Insurance including auto, home, business and life. Erie Insurance agent offering affordable protection and superior service. Call us at 301.899.6117 click for a free insurance quote. Wed, 07 Jul 2010 11:20:27 -0500Jones &amp; Associates specializing in Suitland Insurance including <a href="http://www.allinsurance2go.com/automobile/default.aspx">auto</a>, <a href="http://www.allinsurance2go.com/homeowners/default.aspx">home</a>, <a href="http://www.allinsurance2go.com/business/default.aspx">business </a>and <a href="http://www.allinsurance2go.com/life/default.aspx">life</a>. Erie Insurance agent offering affordable protection and superior service. Call us at 301.899.6117 click for a <a title="Free Insurance Quote" href="http://www.allinsurance2go.com/category.aspx?id=QUOTE">free insurance quote</a>.<br /> <br /> <object width="560" height="340"> <param name="movie" value="http://www.youtube.com/v/My0ePVbT6Ww&amp;hl=en_US&amp;fs=1?rel=0"> <param name="allowFullScreen" value="true"> <param name="allowscriptaccess" value="always"><embed src="http://www.youtube.com/v/My0ePVbT6Ww&amp;hl=en_US&amp;fs=1?rel=0" type="application/x-shockwave-flash" allowscriptaccess="always" allowfullscreen="true" height="340" width="560"></object>urn:uuid:35152c41-fb0d-4fbb-9efe-d623821454ce<img src='http://www.allinsurance2go.com/img/%7Ewww.allinsurance2go.com/motorcycle_insurance.jpg' align='left' />Most states require motorcycle owners to carry liability insurance. Liability Insurance pays the other party if the policyholder is found at fault in an accident and as a result, caused damage to someone else or their property.&nbsp; Typically, becau...Mon, 14 Jun 2010 15:48:03 -0500<p><img alt="" src="/img/%7Ewww.allinsurance2go.com/motorcycle_insurance.jpg" style="float: left;" />Most states require motorcycle owners to carry <a href="http://www.allinsurance2go.com/motorcycle/insurance_quote.aspx">liability insurance</a>. Liability Insurance pays the other party if the policyholder is found at fault in an accident and as a result, caused damage to someone else or their property.&nbsp; Typically, because damage caused by a motorcycle is less than that of an automobile, liability for a motorcycle is reasonably priced.&nbsp; </p> <p></p> <p>Other policy coverages to consider are comprehensive and collision coverage, which covers damage to the vehicle, excluding coverage for mechanical breakdown. Collision covers when your bike collides with another object, such as a tree, sign, or another vehicle. Comprehensive, also referred to as Other Than Collision, provides coverage for perils such as vandalism, theft, flood, fire. Most policies would pay up to the actual cash value of the bike.</p> <p></p> <p>Medical coverage for injuries to your passengers should be considered. This coverage is referred to as guest liability. This can be extremely valuable in the event you are the cause of an accident and your passenger is injured.&nbsp; Coverage can also be purchased to cover your injuries.&nbsp; </p> <p></p> <p>To protect against damage caused by uninsured drivers, Uninsured or Underinsured Motorist coverage can be purchased. In some states uninsured motorist coverage is limited to only covering your medical bills, while in other states you can also purchase coverage to pay for damages to the bike in the event it is damaged due to the fault of an uninsured driver.</p> <p>Get a free <a href="http://www.allinsurance2go.com/motorcycle/insurance_quote.aspx">motorcycle insurance quote</a> or call 301-899-6117 today.</p>urn:uuid:b5c7a422-6b53-4883-8d1f-0c2c677ff642By Bob Graham Posted: May 5, 2010 Maryland&rsquo;s acting insurance commissioner says the process to determine medical loss ratio for health insurers is in the &ldquo;very early&rdquo; stages. Maryland and other states, working with the U.S. Depart...Wed, 05 May 2010 17:50:52 -0500By Bob Graham<br /> Posted: May 5, 2010<br /> <br /> Maryland&rsquo;s acting insurance commissioner says the process to determine medical loss ratio for health insurers is in the &ldquo;very early&rdquo; stages.<br /> <br /> Maryland and other states, working with the U.S. Department of Health and Human Services, must determine what to place in the category of medical expenses and what should be deemed administrative or business costs for health insurers. The effort is part of federal health care reform, requiring insurers to spend at least 85% of subscriber premiums on medical expenses in small- and large-group markets, and at least 80% in individual policies.<br /> <br /> The new federal mandate differs from Maryland law, which has varying medical loss ratios. Maryland law sets the medical loss thresholds at 60% for individual policies, 75% for small-group policies, 65% for individual Medigap policies and 75% for group Medigap policies.<br /> <br /> Proposals before the Maryland General Assembly earlier this year and last year failed to raise the premium dollars to be spent on medical costs to at least 80% in all categories.<br /> <br /> The differences between state and federal law could ultimately lead acting Maryland Insurance Commissioner Beth Sammis to act differently from other states, she said.<br /> <br /> <a target="blank" href="http://ifawebnews.com/2010/05/05/md-insurance-commissioner-exploring-issues-with-medical-loss-ratio/"></a> <a target="blank" href="http://ifawebnews.com/2010/05/05/md-insurance-commissioner-exploring-issues-with-medical-loss-ratio/">Full Story</a>urn:uuid:4732fba8-427a-449c-a07a-8084af4be2ecJoin my Network! Facebook Linked In Twitter MySpace Yahoo Live Spaces Blogger Typepad Live Journal Wordpress Fri, 09 Apr 2010 11:36:12 -0500Join my Network!<br /> <a target="_blank" href="http://www.facebook.com/pages/Jones-Associates-Insurance-Agency/108133649208693">Facebook</a><br /> <a target="_blank" href="http://www.linkedin.com/in/jonesandassociates">Linked In</a><br /> <a class="ApplyClass" target="_blank" href="http://twitter.com/Jones_Assoc">Twitter</a><br /> <a target="_blank" href="http://www.myspace.com/jonesandassociates">MySpace</a><br /> <a target="_blank" href="http://profiles.yahoo.com/u/KMEG5XUEIRRLFT5NEMYN7WPCFE">Yahoo</a><br /> <a target="_blank" href="http://jonesandassociates.spaces.live.com">Live Spaces</a><br /> <a href="http://jonesandassociates.blogspot.com/" target="_blank" class="ApplyClass">Blogger</a><br /> <a href="http://jonesandassociates.typepad.com/blog/" target="_blank">Typepad</a><br /> <a href="http://jones-assoc.livejournal.com/" target="_blank">Live Journal</a><br /> <a href="http://jonesassociates.wordpress.com/" target="_blank">Wordpress</a><br /> <br />