For more information about the author, click to view their website: Laurel Flowers - State Farm Insurance
Can Someone Else Drive My Car?
Discover what
happens if someone else drives your car and gets into an accident.
There
are times in life when we need to let someone borrow our car, but we hesitate
allowing them to use it because we don't know if we can, or if we should. We
wonder:
·
Can
my grandchild use my car to drive to the grocery store?
·
Can
my friend drive my car?
·
Can
my brother-in-law or other family member borrow my car for the weekend?
·
Can
I drive someone else's car?
·
Will
my friend's insurance cover any damages I cause while driving their vehicle?
·
Do
irregular drivers need to be added to my policy?
· At
the heart of it, we want to know, "If we give them permission and they get
into an accident, is it covered by my insurance? Is it legal for someone to
drive my car who is not on my insurance policy?"
"Generally, it's not a
problem if they're driving with your consent," says Jeanne Salvatore,
Senior Vice President of Public Affairs and consumer spokesperson for the
Insurance Information Institute. "If it's an occasional use, say I borrow
your car to go pick up milk, and as long as permission has been verbally
granted, you'll typically be covered."
But borrowing a car under
other circumstances may not be as clear-cut. It depends on your insurer and
your particular policy. For example, coverage rules and regulations may be
different if the driver lives in your household and could, or should, be listed
as a named insured on your policy, but is not; or, if the driver is listed on
your policy as excluded. Those more complicated situations would need to be
discussed with your agent and claim representative.
Typically, even if the person driving your car has his or her
own insurance, your insurance will be the primary payer
for damages caused by your vehicle; but, the person driving
your car has to be found legally at fault before your insurance will pay. The
driver's insurance is secondary and may cover some personal injury or medical
expenses. It may also provide coverage in excess of your insurance coverage, if
the cost of damages caused by your vehicle is higher than your policy limits.
"When you have someone you employ, such as a nanny or a
nurse, who will be a regular, additional driver in your household, contact your
insurance agent about your policy," Salvatore recommends. "He or she
may need to be added to it."
Because
the policy terms and state laws can vary widely, always contact your insurance
agent before loaning out your car, or other motor vehicle, such as: a motorcycle, boat, personal
watercraft, snowmobile, ATV or RV.
"Anytime you have a question about your policy, call your
insurance agent first," says Salvatore. "You always want to let the
insurance company know the circumstances. Get their advice."
As with anything else, use good judgment and common sense. Make
sure you are fully aware of the liability you may be opening yourself, and your
auto policy, up to before handing over your keys. "Don't be cavalier about
lending your car," adds Salvatore. "If you know someone isn't a
good driver, think twice about giving your permission. Any crash they're in
could go on your insurance record."
This article was contributed
by Laurel Flowers State Farm Insurance Agent located in beautiful Saraland,
Alabama. You can contact Laurel and her
fabulous team for all of your insurance needs.
Call 251-675-4736.
The Benefits and Services of Non-Medical In-Home CareAs our loved ones age or face health challenges, ensuring their well-being and independence becomes a priority. Non-medical in-home care offers a compassionate solution, providing personalized support in the comfort of home. Homecare Companions specializes in delivering this care, catering to a diverse range of needs with services designed to enhance quality of life and peace of mind.Who Benefits from Non-Medical In-Home Care?Non-medical in-home care is ideal for individuals facing health-related challenges, including: Aging parents who need assistance with daily activities. Those living with chronic or progressive conditions such as ALS, Parkinsons disease, or dementia. Individuals recovering from surgery or rehabilitation after a stroke. Patients with visual impairments, mobility issues, or an increased risk of falls. People navigating the complexities of end-of-life care due to diseases like cancer, heart disease, or COPD. Amputees and others adjusting to significant physical changes. Whether the goal is regaining independence or enhancing comfort during challenging times, in-home care provides tailored support for every unique situation. Core Services Provided by Homecare CompanionsHomecare Companions focus on non-medical services that improve clients daily lives. Key offerings include: Help with Activities of Daily Living (ADLs): Assistance with bathing, dressing, grooming, toileting, and incontinence care. Meal Preparation and Nutrition Support: Cooking, feeding assistance, and ensuring dietary needs are met. Light Housekeeping: Tasks such as laundry, cleaning, and maintaining a tidy home environment. Medication Reminders: Helping clients stay on track with their medication schedules. Transportation Services: Driving clients to medical appointments, grocery stores, or social outings. Companionship: Providing emotional support and reducing feelings of isolation through meaningful interactions. Mobility Support: Helping clients with mobility and transferring. End-of-Life Support: Offering compassionate care and emotional support for patients and families in hospice care. Enhanced Services and CustomizationHomecare Companions also offer additional services to suit individual needs, such as: Personalized Care Plans: Based on a complimentary in-home assessment, tailored care plans address the specific needs of each client. Collaboration with Other Care Providers: Coordinating with home health or hospice care teams to provide seamless, 24/7 support. Insurance Assistance: We are a fully insured, certified and bonded long-term care company. With an RN on staff we can accommodate almost all long term care insurance requirements. FAQs About Non-Medical In-Home Care1. How Much Does It Cost? The cost depends on the level of care, location, and frequency of visits. Contact Homecare Companions for a customized quote.2. Is It Covered by Insurance? Medicare typically doesnt cover non-medical in-home care, but many long-term care insurance policies do. Homecare Companions is certified to meet insurance requirements and can assist with claims.3. How Do I Find a Qualified Caregiver? Homecare Companions carefully vets each caregiver with background checks, reference verification, and training to ensure professionalism and trustworthiness.4. How Can I Arrange Services? Contact Homecare Companions at (251) 699-3441 to schedule a complimentary assessment and create a care plan tailored to your loved ones needs. The Benefits of Homecare CompanionsHaving a homecare companion brings numerous advantages, including: Promoting independence by assisting with daily tasks. Providing genuine companionship to combat loneliness. Reducing stress for families by offering peace of mind. Enhancing overall well-being in the familiarity of home. Whether supporting recovery, navigating chronic conditions, or ensuring comfort during end-of-life care, Homecare Companions are committed to delivering compassionate and comprehensive support. Serving Baldwin and Mobile counties. Contact Homecare Companions today at 251-699-3441 to learn more about how we can assist you and your family!
Audiologist Versus Hearing Aid Dispenser: What is the difference?There are vast differences in the professional roles in diagnosing and treatment of hearing loss. It is still common today for someone to get screened, tested, or fitted with a hearing aid by someone and still not know what qualifications that person had. How do you know who you can trust? An important distinction to understand when treating your hearing loss is the difference between an Audiologist and a hearing aid dispenser. An Audiologist is a Doctor of Audiology who is extensively trained in the science of hearing; while a hearing aid dispenser applies for a license after meeting some basic requirements (see below).Audiologist: An Audiologist is trained to diagnose, treat and monitor disorders of the hearing and balance system. They are trained in anatomy and physiology, amplification devices, cochlear Implants, electrophysiology, acoustics, psychophysics and auditory rehabilitation. Doctors of Audiology complete, at a minimum, an undergraduate and doctoral level degree in audiology, as well as a supervised externship prior to state licensure and national certification. This usually requires 8 years of post-secondary education (4 years of college and 4 years of graduate school). The graduate school years focus on the medical, diagnostic and rehabilitative aspects of hearing loss, hearing aids and the vestibular system. Upon completion of training, Audiologists must also pass a national standardized examination in order to be eligible for state licensure. Continuing education requirements must be met in order for an Audiologist to maintain state licensure.Hearing Aid Dispenser: A hearing aid dispenser is licensed to perform audiometric testing for the sole purpose of selling and fitting hearing aids. In order to obtain a license, hearing aid dispensers are required to pass an exam. Prior to taking the exam, certain requirements must be met, which vary from state to state. In many states, hearing aid dispensers are only required to have a high school diploma. In other states, hearing aid dispensers must complete two years of college or post-secondary education in any field prior to applying for licensure. Some states require completion of distance learning coursework prior to taking the exam.In summary, the requirement for state licensure to dispense hearing aids is based on the minimum education necessary to protect the health, safety and welfare of the patient. The differences in education required for Audiologists versus hearing aid dispensers reflect the significantly larger range of professional practices that Audiologists are permitted to engage in.Audiologists are highly trained degree professionals. Audiologists receive extensive training in assessment of hearing, diagnosis, fitting and adjustment of hearing aids that helps to ensure: An accurate diagnosis; An appropriate treatment plan of intervention; A positive outcome from the hearing aid. At Naro Audiology & Hearing Solutions, our mission is to provide professional audiological services and hearing health care while developing excellent rapport with our patients by giving individualized attention and personal, compassionate care. We do our best to accurately test and diagnose every patient. For the hearing impaired, we seek to improve quality of life and maximize communication by listening to the patients' needs, accurately diagnosing their hearing loss and providing a vast array of communication solutions and cutting edge technologies to meet the needs of the patient. Naro Audiology serves Bay Minette, Brewton, Fairhope, and Foley. Contact Naro Audiology at 251-758-4326. We are hear for you!
Become a Volunteer with St. Joseph Hospice: Make a Difference Today!Volunteering with St. Joseph Hospice is an opportunity to profoundly impact the lives of individuals and families during some of their most challenging moments. As a hospice volunteer, you will help create an environment of hope, courage, and compassion for patients facing terminal illnesses and their loved ones. By dedicating your time and skills, you can provide invaluable emotional support and companionship that makes a lasting difference.Why Join the St. Joseph Hospice Volunteer Team?Volunteers play a vital role in the mission of St. Joseph Hospice. They enrich the lives of patients by offering comfort, assisting with practical needs, and simply being present. Whether you have a knack for planning activities, offering companionship, or providing administrative assistance, there is a place for you on our team.To ensure our volunteers are well-prepared, we offer a comprehensive Hospice Volunteer Training Program. This training equips you to understand the unique needs of hospice patients and their families, preparing you to bring comfort and a sense of normalcy to their lives.What Can You Do as a Volunteer?St. Joseph Hospice volunteers bring diverse skills to a variety of roles. Depending on your interests and experience, you could engage in: Companionship Visits: Spend time with patients, providing a comforting presence. Activity Planning: Organize recreational activities to brighten patients' days. Office Support: Assist with administrative tasks to ensure smooth operations. Health Fairs and Special Events: Help manage outreach events to promote awareness. Special Projects: Contribute your unique talents to meet the needs of patients and staff. Who Should Apply?We welcome individuals with various backgrounds and experiences. Ideal candidates might have experience in nursing home volunteering, direct-care support, or activity coordination. More importantly, we seek compassionate individuals with a genuine desire to help others.Volunteers must meet a few essential qualifications to ensure theyre ready for this meaningful role: Confidentiality: Respecting patients privacy is critical. Volunteers must commit to maintaining confidentiality and sign an agreement to this effect. Good Health: Assignments are tailored to your physical capabilities to ensure your safety and the well-being of those you support. Transportation: Volunteers must have reliable transportation to and from their assignments. Training Completion: Direct-care volunteers are required to complete the St. Joseph Hospice Volunteer Training Program. Flexibility: Volunteers should be able to accommodate a variety of scheduling needs, including short-notice requests. Ideal candidates have the following experience: Nursing home volunteer Direct-care volunteer Health fair management Entertainment and activity planning Office/administrative assistance Special projectsHow to Get InvolvedBecoming a hospice volunteer is simple. Visit the St. Joseph Hospice website and fill out a Contact Us form to express your interest. You can also explore our locations page to find a branch nearest to you.Volunteering with St. Joseph Hospice is more than just an act of serviceits a chance to bring light and comfort to those who need it most. Join our dedicated team of volunteers and help make a difference, one moment at a time.Contact St. Joseph Hospice at 251-675-7555 or email humanresources@carpenterhealth.net or more information about the volunteer program.
In 2023, Laurel Flowers State Farm excelled in delivering insurance to you and your loved ones, earning recognition for outstanding customer satisfaction and achieving key milestones. With a commitment to continuous improvement, we look forward to what 2024 has to offer and continuing our mission of providing you with the service you and your loved ones deserve.As a hometown resident of Saraland, AL I am proud to serve the Mobile, AL area including Saraland, Satsuma, Chickasaw, Semmes, Bay Minette, and even the Eastern Shore area. However, our customers expand all over the Alabama area and in to Mississippi. I am a graduate of Satsuma High School and went on to earn undergraduate degrees in Mathematics and Business Finance as well as a Masters in Business Administration from the University of Mobile. Ive been in the insurance industry since 2008 where I got my start working in a small agency in Daphne, AL. From then on it was my dream to one day open my own agency. After years of saving and learning the business I was able to open Laurel Flowers State Farm in the heart of my hometown Saraland, AL. Since then weve grown to a team of 7 licensed insurance professionals that care about this community!Our agency strives to do things differently. It is my job not only to have a relationship with our customers and provide excellent customer service but to create value for them by helping create a personalized plan to protect their income and assets and help them achieve their goals. We can help with car insurance, homeowners insurance, renters insurance, life insurance, accident insurance, and small business insurance as well as boat insurance, atv insurance, trailer insurance, and other recreational insurance policies.Our customers love that they have the option to text us or meet virtually and can talk to local people when they have a problem or concern, and that we are so heavily involved in giving back to the community. I was proud to be nominated for Saraland Citizen of the Year in 2019, 2020 and 2021! I have also loved serving on the board of the Saraland Area Chamber of Commerce as their current President. I believe it is important to give back to the community youre in so we support many local sports teams such as the Saraland Volleyball team, Satsuma baseball team, Saraland little league teams, Saraland Soccer Academy, Saraland Middle Cheerleading, Saraland Marching Band, and many others. Weve donated bikes to Chickasaw Elementary to encourage perfect attendance and our entire team showed up to paint the school when asked.Insurance Products Offered:AutoHomeownersCondoRentersPersonal ArticlesBusinessLifeHealthPetOther Products Offered:BankingMutual FundsAnnuitiesWhen and where our community needs us, we intend to be there. When you choose us for your car insurance, home insurance, life insurance, or accident insurance you are helping support these local initiatives. Give my office a call today at 251-675-4736 and talk to one of our exceptional team members about your insurance.