Spring has sprung and so much has happened lately there's no doubt change is in the air.

Last week we had a full solar eclipse, a comet pass close to the earth and a crazy storm! 

I don't know if it was a named storm but she sure was angry as all get out - thunder and lightning, torrential rains, and tossing out tornadoes left and right.

What does this have to do with Insurance?

Everything!

If you haven't reviewed your insurance policies wouldn't now be a good time to do so?

Springtime brings people out of the house, gardening, landscaping, cleaning and otherwise beautifying their home and yard. After the wildfires of last year, please practice outdoor fire safety stay up to date on burn bans in the area.

Hurricane season is fast approaching. Are you prepared? Do you know what your homeowner policy does and does not cover? What about your automobile or flood policies? Are you familiar with Binding Restrictions and when/why they go in effect?

Along with longer days we have kids going to prom and school is ending soon so watch out for those young drivers! Especially those in Driver's Ed or newly licensed. AND beware of the folks using e-bikes for transportation.

Kids will be kids so pay close attention in neighborhoods and country roads where they may be driving a cart or operating/riding an ATV. Boats are out and about on our local waterways. Is yours properly insured?

Summer is right around the corner and with it vacation and travel plans. Is your RV, Motorhome or Camper properly insured? If you're taking a trip abroad, have you renewed your passport and/or purchased travel insurance?

Are you turning 65 this summer? Have you gotten your Medicare insurance in place? Don't call the number on a television ad and be careful to avoid the Medicare scams out there. Why not, shop local and contact our experienced, knowledgeable Medicare agent? 

Just a few reminders of what's important over the next few months.

Until next time, take care and get out and enjoy the beautiful weather as often as you can!

Tommy Curtis and Staff

Spring is in the air and the days are getting longer, the weather milder. Along with that you’ll see children and adults outside more–playing ball, riding bikes and not always paying as close attention to their surroundings as they should.
 
Along many highways and byways, you see “Share the Road” signs encouraging us to watch out for cyclists. With the influx of E-bikes, I dare say we’ll see a lot more bicycles on the road, so it is our responsibility to watch out for them!
 
In this short post we’ll cover a few safety tips and how to insure your e-bike.
 
An e-bike is a bicycle that adds an electric motor for propulsion and "pedal-assist" E-bikes are the most common. For more information on the differences in E-bikes check out this article.
 
Simple but important bike safety rules are:
*Wear a helmet
*Adjust your bike to fit your body (handlebars, pedals, seat).
*Wear reflective clothing if you’re riding close to (or in the) dark.
*Obey traffic laws, especially those pertaining to bicycles. If you don’t know them, check with the LA Office of Motor Vehicles, State/City/Parish Police Departments or read this article and learn them.
 
Your or the life of someone you love may depend on it!
 
Insuring Your Bike:
 
Electric bike/ or e-bike insurance is a policy to protect you and your e-bike in the event of an accident or a covered loss such as theft, vandalism, or damage to the bike itself. This coverage varies by carrier and is based on the type of bike. Although certain aspects of your home or renters insurance may cover your bike, it is always smart to check with your agent or company before assuming everything is covered.
 
As one of the Lake area’s prominent carriers of Progressive Insurance, we now offer Electric/E-bike coverage. For more information give us a call at: 337-433-1683 or stop by our office during regular business hours (M-F 9-5).
 
Until next time take care, be safe and happy cycling!
Tommy Curtis and Staff

​It’s time for our annual Medicare update where we outline the changes to Medicare for 2024. But before we get into 2024 fees and deductibles, here is a reminder of a couple of major changes in 2023….
 
The new Prescription drug law that went into effect Jan. 2023 improved access to many drugs and made those such as insulin much more affordable. Also, individuals whose full Medicare coverage ended 36 months after a kidney transplant and who do not have certain other types of insurance coverage can elect to continue Part B coverage of immunosuppressive drugs by paying a premium.
 
For 2024, the standard immunosuppressive drug premium is $103.00.
 
This was and still is great news for people with ESRD (end stage renal disease)!
 
Now on to the never ending changes in premiums and deductibles for Medicare enrollees…

• We here at Curtis Insurance would like to wish you and yours a Merry Christmas and a Blessed, Happy & Prosperous New Year!

We appreciate your business and look forward to serving your Auto, Recreational Vehicle. and Medicare insurance needs in 2024.
​

Please Note: We will be closed December 25th and January 1st in honor of the holidays but will resume normal business hours (9-5) on Tuesday, December 26th and Tuesday January 2nd.

​Today’s post will cover a little bit about a whole lot. Let’s begin with Medicare…
 
As licensed agents, we receive information from the Department of Insurance. The latest was urging Seniors to “be vigilant against Medicare Scams during open enrollment (AEP) which ends on December 7th.”
 
We can’t stress this enough. 

​The newsletter also warned against “high pressure” sales tactics.