Louisiana Insurance News & Articles

Know The Risks and Be Prepared
​Many people do not realize just how dangerous fireworks and sparklers can be—which is a primary reason that injuries occur.  Fireworks can not only injure the users but can also affect bystanders.
 
Most injuries and accidents occur because people often underestimate the dangers posed by fireworks and don’t take proper safety precautions. In fact, the Consumer Product Safety Commission found that more than half of fireworks-related injuries were the result of unexpected ignition or consumers not using fireworks as intended.
 
Unfortunately, all fireworks carry potential risks of burns, blindness and other injuries, but you can significantly reduce the potential for danger through proper planning and safety.
 
Tips for Safe Firework Use
When using fireworks, always plan in advance who will shoot them, and what safety precautions will be in place. Here are some suggestions to ensure safety and avoid accidents:
 
• Keep spectators at a safe distance.
• Never give sparklers to children under five.
• Only use fireworks as intended. Do not alter or combine them, and do not use homemade fireworks.
• Do not carry fireworks in your pocket or shoot them from metal or glass containers.
• Point fireworks away from people, homes, trees, etc.
• Show children how to properly hold sparklers, how to stay far enough away from other children and what not to do; throw, run or fight with sparkler in hand—and always supervise closely.
• Always have a hose or water bucket handy.
• Never try to relight a dud (a firework that didn’t properly ignite).
• Soak all firework debris in water before throwing it away.
• Use fireworks and sparklers outdoors only.
• Wear safety goggles when handling or shooting off fireworks.
• Do not shoot fireworks off while under the influence of alcohol.
 
Take Precautions, Reduce Risk
​Be sure that your celebrations comply with all applicable state and local laws. The laws regulate who can purchase and use fireworks, when they can be purchased and used, and what the maximum noise levels may be. Under these regulations, the focus is not only on product safety but also on the reduction of accidents and injuries to you the consumer.

On June 21, 2018, the U.S. Supreme Court ruled that state governments can collect sales taxes from online retailers, even if a retailer doesn’t have a physical presence in the state. Until this decision, states could only collect taxes from online retailers that had in-state headquarters or another significant connection to that state.

This decision should benefit brick-and-mortar businesses, as sales taxes often forced them to increase prices—making it difficult to compete with the lower prices offered by online retailers. The court’s ruling also said that states should benefit from the decision by gaining access to a new source of tax revenue, estimated to be $33 billion annually across all states and online businesses.
Although critics of the ruling believe that consumers will face higher prices when shopping online, others think that increased competition between online and physical storefronts will cancel out any significant increases.

The ruling has already had a significant impact on the stock values of some major retailers. However, it’s still unclear how small retailers that have an online presence will be affected, and whether states will alter their tax collection practices to account for the size of an online retailer.

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Sending a child off to college is a significant milestone that represents the culmination of years of planning and hard work. As you prepare for the start of the semester, you should consider how your insurance needs may change with your son or daughter away at school.
 
Protecting Your Student’s Belongings
Many homeowners policies consider a dorm room as an extension of your home, so items your child keeps there may be covered to some extent. However, if your child has expensive electronic equipment or furniture, you may want to consider purchasing additional coverage.

If your child lives off campus, his or her possessions may not be covered by your homeowners policy. In that case, you may want to consider renter’s insurance, which costs as little as $15 per month. Renter’s insurance will cover possessions in your child’s off-campus apartment or house as well as provide liability coverage if anyone is injured in the residence.

Keeping Your Child Healthy While on Campus
Many students can stay on their parents’ health plans if they are full-time students. However, restrictions vary greatly by state, and coverage could be even more complicated if your child is attending an out-of-state school.

If you find your child doesn’t have coverage under your plan, you have a few options. Most colleges have their own health plans, but some policies have high deductibles and low coverage maximums. A few don’t offer any coverage for conditions present before entering the school, so be sure to examine plans carefully. Otherwise, you may want to consider an individual policy for your child.

Changing Auto Coverage
If your child moves more than 100 miles away from your home to attend school and doesn’t keep a vehicle there, your auto insurance premiums could decrease by as much as 30 percent. Call us today at (504) 322-7299, and see if you can save money while still maintaining coverage for your child when he or she is at home.

Insurance Questions to Ask
Here are some important questions to ask when your child goes to college:

• Will my child’s belongings be covered if he or she lives in off-campus housing?
• Do I have to change my auto policy if my child brings the car to school?
• If my child is an athlete, will he or she be covered under my family health plan if he or she is injured during a practice or game?

Count on UsIf you are sending a child off the college and haven’t looked at adjusting your coverage, contact us today to learn more. You could save money on your policies and protect your child from expensive incidents while away from home.

The American Cancer Society recommends that adults undergo colorectal cancer screening starting at age 45, opposed to the long-observed threshold of age 50. The new guidelines were published in CA: A Cancer Journal for Clinicians.

This shift affects nearly 22 million Americans who fall within the 45-to-49 age range.
Like most cancers, colon cancer is easier to treat the sooner it is detected. The longer you wait—even a few years, as this update implies—the greater the risk of the cancer progressing.
Doctors are quick to note that colon cancer can occur at any age, even in teens.

Deadly Consequences
Colon cancer is the second-highest cause of cancer deaths among adults in the United States. The disease kills over 50,000 people each year.

According to a study from the American Cancer Society, colorectal cancer rates have been rising for every generation born after 1950.

Screening Options
As a way to encourage more people to get tested, the American Cancer Society suggested a few different screening options for doctors to promote.

These options include lab tests, stool samples and colonoscopies. The last option being the most invasive.

What Does This Mean for Me?
If you are 45 years old or older, you should speak with your doctor about what is right for you. Keep in mind that there are a number of screening options besides a colonoscopy if you are worried about taking time off work.
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Remember that waiting only increases the risk of cancer progressing. Don’t wait to speak with your doctor about colorectal screening if you have any concerns, regardless of your age.