Posts Tagged ‘Ross Turner’
Do terms like liability, comprehensive coverage, and underinsured seem like a foreign language to you? If so, you are not alone.
Julie Turner, wife of Ross, loves to tell the story of when Ross first reviewed her auto insurance policy back in 1989. Both were single at the time, and Julie’s insurance bill was due. Ross looked at the policy and couldn’t believe his eyes.
Julie had the minimum limits and very little coverage – on her brand new 1988 Honda Accord! When he asked her why, she said she had called an 800 number and asked for the best price. She had no idea that her policy would not have paid enough if she had been in an accident. Suffice it to say, Ross eventually became her insurance agent and her husband… and in that order!
It’s important to understand your automobile insurance coverage, even though it can seem complicated. Take a moment to review these key auto insurance terms:
Liability Insurance – Reimburses others for injury, damages or losses caused by your driving or your car. There are two types:
*Bodily Injury Liability – In a car crash where you’re at fault, bodily injury liability will provide compensation for pain and suffering, lost earnings and related expenses resulting from injury or death. We can help you determine the right amount of coverage, based on whether you own a home and other substantial assets that could be at risk in a lawsuit.
*Property Damage Liability – This coverage will pay to repair or replace things you damage in an accident other than your own car. Again, it’s best to consider your personal situation.
Collision Insurance – Covers the replacement or repair of your car, regardless of who is at fault in the accident, even if you are hit while parked or hit by an unknown car or object. If you have a car loan, you are required to have collision protection. On the other hand, if your older car’s value rises and falls based on the gas in its tank, you may consider dropping collision coverage.
Comprehensive Insurance – Protects against damage to your car that does not involve a collision. For example, fire, theft, hail, flood, windstorm, flying objects or animals. It’s likely required if you’re paying a car loan, but optional if you own an older car that’s not worth much.
Medical Payments Coverage – Pays for physicians, hospital bills, continuing care, funeral costs and compensation for you and your passengers, regardless of who is at fault. If you have adequate health insurance, you may not need this optional coverage, but it can pay expenses your health insurance may not cover.
Uninsured and Underinsured Coverage – Covers you, and members of your household, for losses in an accident with a hit-and-run driver or a driver who has no car insurance or not enough car insurance.
And remember, we love questions! We are happy to walk through and explain your policy at any time.
If you rent your home, your property is not protected by the landlord’s insurance.
If you rent your home or apartment, you may think the landlord is responsible for the property’s insurance. Guess what? Your belongings are not covered on his policy. If there’s a fire or water damage or theft, you would likely be forced to leave your home for a length of time. And you may have to start over in terms of acquiring possessions. At least if you have renters insurance, you wouldn’t have to pay for those inconveniences.
Turner Agency Insurance offers affordable renters insurance protection that every renter should seriously consider having. It covers your rental property, no matter if it’s a house, apartment, multi-family residence, duplex, loft, townhome or condo. It covers renters in much the same way homeowners insurance works, but since it’s not always required, some renters neglect to protect themselves.
What Renters Insurance Covers
Renters insurance protects you against a wide range of disasters and damage caused by fire or smoke, lightning, windstorm or hail, volcanic eruption, ice, vandalism, theft, explosion, plumbing leaks and falling objects. Floods and earthquakes are typically excluded from standard renters insurance. Most policies cover sports and recreational equipment but not your vehicles, which would be covered by your car insurance.
You may add extra coverage for valuable jewelry, collectibles, cameras, musical instruments and more, as an endorsement to your policy. If you operate a business out of your home, you can add increased business coverage to protect those assets. Renters insurance also offers both personal liability coverage to protect you against lawsuits and additional living protection should you need to relocate while the rental property is repaired or rebuilt.
You can usually choose between actual cash value renters insurance, which will replace your belongings after factoring depreciation, or full replacement cost protection, which may cost more upfront, but covers the full replacement cost of your possessions.
Whose Possessions Are Covered
Any member of your family is covered under your renters insurance policy. If your kids are in college, their possessions are covered at school, provided they live on campus and don’t rent an apartment.
Common Myths about Renters Insurance
Let’s address these myths one at a time, and you can decide whether renters insurance is something you need.
- My landlord is responsible if anything happens to my apartment.
- I don’t need insurance; my stuff fits in the back of my truck.
- I can’t afford to buy renters insurance.
- If my friends get hurt at my house, their insurance will cover them.
My Landlord Is Responsible
There are many advantages to renting rather than owning your home. Your landlord probably handles general care of the premises and may even cover your utilities. You may have cable TV as part of your rental agreement. You never need to worry about lawn care, snow removal or trash collection. You are free to relocate simply by giving notice under the terms of your lease. Your landlord insures the property and has liability protection enough to cover appropriate claims. But that protection will not cover you, your belongings or anything occurring inside your home.
I Don’t Need Renters Insurance
Many renters believe their belongings could easily be replaced since they don’t have many possessions. Since most people acquire their things over time, it’s easy to lose track of cumulative value. But take one look in your kitchen or clothes closet and you’ll likely realize you wouldn’t readily have the financial resources to replace everything you currently own. Even renters whose earthly belongings fit in the back of a pick-up truck would be hard-pressed to replace furniture, appliances, electronics, food, clothes and more all at once if the duplex burned down.
I Can’t Afford Renters Insurance
Do yourself a favor and contact us for a no-obligation quote for renters insurance. It’s affordable, and it’s money well spent for protection that provides peace of mind.
If My Friend Is Hurt, Their Insurance Kicks In
In addition to insuring your personal property, renters insurance can protect you against lawsuits with liability protection. If a houseguest is injured at your house and sues for lost wages or pain and suffering, your renters policy can cover the damages.
What to Expect from Turner Agency Insurance
- One-stop shop for all your insurance needs
- Multiple policy discounts
- Free, no-obligation quotes
- Choice of insurance companies you can trust
- Efficient claims process
- Testimonials from satisfied customers
We can help you protect yourself and your property with renters insurance. Contact our independent agents for a no-obligation quote. We can help you discover discounts you may be eligible for, and we’ll be with you every step of the way. Call us today at 288-9513.
Contact: Lyn Richardson Furrh
February 8, 2012 (Greenville, SC ) – Ross Turner will announce his candidacy for the South Carolina Senate District 8 seat at a press conference on Monday afternoon, February 13, at 4 o’clock. The press conference will take place at The Ryan Nicholas Inn at 815 Holland Road in Simpsonville.
Ross Turner is a small business owner with over 26 years of experience in the insurance business. He was born and raised in Greenville, and is a graduate of Clemson University. He is 47 years old. Ross and his wife Julie have lived in Gower Estates for over 15 years.
The advisory council for the committee to elect Ross Turner includes: Luther Boliek, Ann Cox, Danny Joyner, Jim Riggs and John Uprichard.
Ross and Julie have been married for 22 years and have three children. Their son is a senior at J. L. Mann High School. They also have two daughters. One is a freshman at Mann and the other is in the fifth grade at Sara Collins Elementary School. Ross is immediate past president of the J. L. Mann High School Booster Club and has served as president of the Gower Neighborhood Association.
He also serves on the Upstate Judicial Merit Selection Committee – a body which reviews and qualifies candidates for circuit and family court judgeships in South Carolina.
Ross has served twice on the Board of the Independent Insurance Agents and Brokers of South Carolina (IIABSC), and is a past chairman of the Young Independent Agents Committee. He enjoys traveling across South Carolina to teach continuing education classes for the IIABSC. He also teaches classes at the Wyatt Institute of Real Estate.
Ross and his family are members of Buncombe Street United Methodist Church where he has served on the Board of Trustees, as Chairman of the Sisk Foundation, and on numerous committees. He teaches Sunday school, coaches senior boys basketball, and is chairman of the Buncombe Street Youth Board.
In the past he has served as President of the Greater Greenville Independent Insurance Agents. He was voted one of the “Best and Brightest of Greenville” in 1997. He was involved with the Greenville Rotary Club and served several years on the board of Camp Greenville.
Ross is an avid reader of business trends and a keen observer who always has an opinion, and follows through with his convictions. While Ross loves to play golf, most of his spare time is filled with coaching his children’s teams, watching their sporting events, and attending dance recitals and swim meets. He wishes he had more time to hunt.
Directions to Ryan Nicholas Inn:
From downtown Greenville:
- Take I-385 South towards Columbia
- Due to construction on I385, take the first exit after Woodruff Road on to Butler/Bridges/417. (This is a temporary exit.)
- Take the second exit #33 to Bridges Road.
- At top of ramp turn left.
- The Ryan Nicholas Inn will be .3 miles on your right.
- Take Butler Road to Bridges Road.
- Cross I-385.
- The Ryan Nicholas Inn will be .3 miles on your right.
75 convictions secured; total complaints amounted to nearly $14.5 million
By Ross Turner
The SC Attorney General’s office released a report last month analyzing last year’s insurance fraud cases. The report showed that a total of 75 convictions were made in 2010, and defendants were ordered to pay $316, 270 in restitution in both civil and criminal cases. State Attorney General Alan Wilson’s office received 596 complaints of insurance fraud last year and carried over 213 cases from 2009.
Several years ago, we reported a fraud case after receiving a call from a large general contractor. We had worked with this contractor many times before because they sub- contract several of our clients on an ongoing basis. The insurance manager of the general contractor had received a certificate of insurance from a roofer they were using on a job.
The certificate listed The Turner Agency as providing all the insurance coverage through a standard company, but the insurance manager didn’t think the certificate looked right. She called us to verify the coverage and sure enough- we confirmed that it was a forged certificate. The roofer had taken a certificate we issued in that past and put their name in the insured section.
We immediately put together a report and notified both the company that was on the certificate and the South Carolina Insurance Fraud department. Within two days, SLED was knocking on the roofer’s door.
Another roofer we know who pays his worker’s compensation and general liability for one crew knows that this fraud was worth about $ 40,000 – a white collar crime.
The state is doing a great job investigating and prosecuting insurance fraud with the limited funding they have. The Insurance Fraud Division of the SC Attorney General’s office has four attorneys working to defeat insurance fraud in our state.
The state is also working in conjunction with the companies whose investigative units appear to be as aggressive as ever in tracking down fraud. Here are more highlights from the report:
- 2010 cases amounted to nearly $14.5 million in fraud, more than double the dollar amount reported in 2009.
- The largest amount, $11.9 million, was related to auto insurance fraud. The next largest amount, $1.3 million, was related to health and medical insurance fraud.
- Richland County had the largest number of complaints made, while Lexington County had the largest dollar value reported.
- Horry County had two complaints of premium fraud, reported at $181,660.
- Breakdown by region:
- Midlands: 27% (60 cases)
- Lowcountry: 25% (55 cases)
- Piedmont: 24% (52 cases)
- Pee Dee: 24% (53 cases)