Zeiler Insurance Services, Inc. | Zeiler Insurance Services, Inc.
|EMC Insurance: New Technologies Complicate Windshield Replacement
EMC Insurance: New Technologies Complicate Windshield Replacement
Auto windshields can be damaged in a variety of ways, ranging from rocks to storm damage, accidents to extreme temperature changes. Not a big deal, right? Replacement has been a relatively easy fix, with many installers even coming to your location to make the repair less stressful and quicker.
Advanced Driver Assistance Systems
Times have changed, however, as automakers add new, automated safety features to vehicles. These new technologies, known as advanced driver assistance systems (ADAS), operate using sensors that work in tandem with computers, cameras, radar and LIDAR. Some of those sensors are housed in the front or rear windshield.
ADAS technologies most often mounted in a windshield include autonomous emergency braking (AEB), lane-departure warning, collision avoidance and adaptive cruise control. Because these systems do prevent accidents and keep drivers safer, many businesses are ordering vehicles with these features.
Not all new vehicles have all of these technologies, and older vehicles most likely have none of them. However, by 2020, there is a mandate that all U.S.-manufactured vehicles have autonomous emergency braking systems and forward collision warning systems. So even if your vehicles currently don’t have these systems, future purchases or leases will include them.
Installing a New Windshield
ADAS makes windshield replacement more difficult. The sensors—and the equipment they are paired with—must be calibrated so the system components work together correctly. Replacing a windshield means that the sensors must be replaced in the new glass, and the sensors and accompanying equipment must be calibrated so the system operates as it should. If a sensor gets moved just a millimeter, it can throw off the ADAS system. If the system isn’t working properly the driver may not be aware of the malfunction until an accident occurs.
Here are some tips for windshield replacement on vehicles with ADAS systems.
- Keep records of each vehicle’s features. Each manufacturer has very precise requirements for replacing the glass in their vehicles. It’s important for you to keep records that can be provided to the repair shop, such as vehicle identification number (VIN), a list of the ADAS features the vehicle has, and the year, make and model. This information helps the repair shop determine how to make the repair and recalibration, because in a single year, a manufacturer could have as many as 20 possible windshields for a given make and model.
- Be prepared to spend more money and more time getting the fix. The process takes extra time and specialized tools, as well as certified technicians trained to perform the replacement, so plan on spending more than replacing an older-style windshield.
- Know the manufacturer’s rules on glass type. Many auto manufacturers require that Original Equipment Manufacturer (often called OEM) glass be used, rather than after-market products.
- Check the manufacturer’s requirements for who can perform the job. Some manufacturers require that you have replacement and calibration work done by a certified manufacturer’s dealer. If you are able to choose your own repair shop, realize that not every repair shop will have technicians certified to do the job. Check before the repair to be sure it’s performed by the right professionals.
Find more information about auto glass, replacement glass and calibrating ADAS when replacing glass from Safelite AutoGlass or give us a call!
POSTED JUNE 21, 2018 6:29 PM
|Happy 4th of July!
Zeiler Insurance Services, Inc. wishes you and your family a safe and happy 4th of July!
Our offices will be closing at 1:00pm on Tuesday, July 3rd and we will be closed the entire day on Wednesday, July 4th.
Dan can be reached on his cell in the event of an emergency at 708.436.2973
You will also find 24/7 phone numbers for claims and billing for our companies on our website: www.zeiler.com
We apologize for any inconvenience this may cause you.
The Zeiler Insurance Team
POSTED JUNE 21, 2018 4:57 PM
|Refer a friend and receive a $25 Amazon gift card!
A majority of our customers come from referrals - we are grateful for the trust each of you put into us. That is why we want to give back by giving a $25 Amazon gift card for each referral. If you happen to know anyone who is interested in looking at options for their Auto, Home, Business, Work Comp, or Health Insurance - have them give us a call! And for our appreciation we will send you a $25 Amazon gift card.
YEP - That's Right! Have them call us and mention your name. They'll get a free quote and you'll get a $25 Amazon gift card.
It's a WIN/WIN!
POSTED JUNE 21, 2018 5:00 AM
|Employment Practices Liability & Equal Employment Opportunity Statements
To qualify for Employment Practices Liability some insurance companies require you to submit your Equal Employment Opportunity Statements. What is this you may ask? Well it is that small statement you hear after learning a business is hiring. So & So Company is an "Equal Employment Opportunity Employer", sound familiar?
The purpose of an EEO (Equal Employment Opportunity) statement is to comply with the EEOC (Equal Employment Opportunity Commission) law but there’s also a marketing aspect to it. The words in your EEO statement (which often appear in all your job postings) are also words that a candidate will measure you by.
In fact, many employers are adding hot new diversity-related words into their EEO statements such as “inclusive”, “LGBT” and “gender identity”. On the flipside, if your words are too compliance-heavy, you’ll be interpreted as conservative or stodgy. Apparently, words matter!
See below for some examples of EEO Statements from companies like Google and Tesla:
- SurveyMonkey - “SurveyMonkey is an equal opportunity employer. We celebrate diversity and are committed to creating an inclusive environment for all employees.”
- Google - “At Google, we don’t just accept difference — we celebrate it, we support it, and we thrive on it for the benefit of our employees, our products, and our community. Google is proud to be an equal opportunity workplace and is an affirmative action employer.”
- U.S. Federal Government - “The United States Government does not discriminate in employment on the basis of race, color, religion, sex (including pregnancy and gender identity), national origin, political affiliation, sexual orientation, marital status, disability, genetic information, age, membership in an employee organization, retaliation, parental status, military service, or other non-merit factor.”
- Dell - “Dell is an Equal Opportunity Employer and Prohibits Discrimination and Harassment of Any Kind: Dell is committed to the principle of equal employment opportunity for all employees and to providing employees with a work environment free of discrimination and harassment. All employment decisions at Dell are based on business needs, job requirements and individual qualifications, without regard to race, color, religion or belief, national, social or ethnic origin, sex (including pregnancy), age, physical, mental or sensory disability, HIV Status, sexual orientation, gender identity and/or expression, marital, civil union or domestic partnership status, past or present military service, family medical history or genetic information, family or parental status, or any other status protected by the laws or regulations in the locations where we operate. Dell will not tolerate discrimination or harassment based on any of these characteristics.”
- Facebook - “Facebook is proud to be an Equal Employment Opportunity and Affirmative Action employer. We do not discriminate based upon race, religion, color, national origin, gender (including pregnancy, childbirth, or related medical conditions), sexual orientation, gender identity, gender expression, age, status as a protected veteran, status as an individual with a disability, or other applicable legally protected characteristics. If you need assistance or an accommodation due to a disability, you may contact us at firstname.lastname@example.org or you may call us at 1+650-308-7837.”
- Tesla - “Tesla is an equal opportunity employer. All aspects of employment including the decision to hire, promote, discipline, or discharge, will be based on merit, competence, performance, and business needs. We do not discriminate on the basis of race, color, religion, marital status, age, national origin, ancestry, physical or mental disability, medical condition, pregnancy, genetic information, gender, sexual orientation, gender identity or expression, veteran status, or any other status protected under federal, state, or local law.”
- Comcast - “Comcast is an EOE/Veterans/Disabled/LGBT employer”
- Under Armour - “At Under Armour, we are committed to providing an environment of mutual respect where equal employment opportunities are available to all applicants and teammates without regard to race, color, religion, sex, pregnancy (including childbirth, lactation and related medical conditions), national origin, age, physical and mental disability, marital status, sexual orientation, gender identity, gender expression, genetic information (including characteristics and testing), military and veteran status, and any other characteristic protected by applicable law. Under Armour believes that diversity and inclusion among our teammates is critical to our success as a global company, and we seek to recruit, develop and retain the most talented people from a diverse candidate pool.”
A claim filed with the EEOC will cost your employee nothing and your defense alone can cost you tens of thousands of dollars. To start a quote on an Employment Practices Liability policy, Click Here.
As always, please call me with any questions or concerns.
POSTED JUNE 05, 2018 3:57 PM
|Are interns covered on Workers Compensation in Illinois?
Are interns covered on Work Comp?
It’s that time of year - Chicago area businesses will be adding college interns to their summer workforce. Whether they are paid interns or not - the question is “Are interns covered on workers compensation in Illinois?”.
99% of the time the answer is YES - interns are covered… even if unpaid. The question falls back to the definition of an employee and for this you can refer to the IRS website for the definition: The IRS sites Common Law Rules. If the intern is deemed an employee then under the Illinois Workers Compensation Act they would be covered on your Workers Compensation policy.
From the IRS website, Common Law Rules - Facts that provide evidence of the degree of control and independence fall into three categories:
- Behavioral: Does the company control or have the right to control what the worker does and how the worker does his or her job?
- Financial: Are the business aspects of the worker’s job controlled by the payer? (these include things like how worker is paid, whether expenses are reimbursed, who provides tools/supplies, etc.)
- Type of Relationship: Are there written contracts or employee type benefits (i.e. pension plan, insurance, vacation pay, etc.)? Will the relationship continue and is the work performed a key aspect of the business?
Businesses must weigh all these factors when determining whether a worker is an employee or independent contractor. Some factors may indicate that the worker is an employee, while other factors indicate that the worker is an independent contractor. There is no “magic” or set number of factors that “makes” the worker an employee or an independent contractor, and no one factor stands alone in making this determination. Also, factors which are relevant in one situation may not be relevant in another.
The keys are to look at the entire relationship, consider the degree or extent of the right to direct and control, and finally, to document each of the factors used in coming up with the determination.
Please call with questions.
POSTED MAY 22, 2018 5:50 PM
|Building Property of Others Coverage in Illinois
Illinois Building Property of Others Coverage in Illinois
I know I have talked about this in the past, but I have been running into a lot of leases recently that address this topic. I am seeing more and more leases where the landlord is pushing responsibility onto the tenant in regards to the Maintenance, Repair and Replacement of building property owned by the landlord.
This video covers a key area within a lease agreement in which many tenants of Chicago, Illinois should be aware.
For additional information or a review of your lease feel free to contact me.
POSTED MAY 22, 2018 5:09 PM
|What Happens When Your Home Insurance Doesn't Cover Self-Defense Shootings?
Gun ownership is a very serious responsibility. Most licensed gun owners are conscientious and informed about gun laws and their rights and responsibilities under those laws. Many people own guns as a means of protecting their family and property. But even the most responsible gun owner can be faced with an unfortunate incident that leads to a lawsuit or even criminal charges. The costs to defend yourself in either case can decimate your finances.
There is an increasing need for gun owners to protect themselves after accidentally or purposefully discharging a firearm, even in an act of self-defense.
Protection Options for Gun Owners
Gun owner insurance is actually a variety of insurance products developed specifically for gun owners. You may encounter it under names like concealed carry insurance, CCW insurance, personal firearm protection insurance, self-defense insurance, or stand your ground coverage. The name of the product is far less important than knowing what it covers, and what it does not. It is important to assess the type of coverage you might need, and find the product that gives you peace of mind.
Large insurance companies have for the most part steered clear of offering CCW insurance, fearing any association with the controversial topic of gun violence. But gun owners looking for concealed carry insurance still have several options.
There are only a few insurance companies that offer gun owner insurance. The products vary significantly in terms of what they cover and the amount of coverage they offer (dollar limits or caps on coverage). Some policies, for example, will not offer coverage if you are charged with a crime. Others may provide coverage for court costs, but won’t cover your initial attorney retainer.
Gun owner insurance is available through certain gun owners’ associations and some small, regional insurers. Most gun owners are interested in policies that protect them in cases of self-defense and accidental discharge, so most of the policies offered will fall under names like concealed carry insurance or self-defense insurance. The likelihood of being involved in such an event is very low, so the coverage is typically very affordable—perhaps only $150 to $600 per year depending on the plan you choose.
Here are some typical self-defense insurance offerings:
· Legal defense services plans: This is not an insurance product, but rather a subscription to access a network of attorneys who specialize in defending self-defense cases. You pay a yearly fee, and the defense service is obligated to provide the agreed-upon legal services. They will help you hire an attorney that specializes in civil and criminal defense. The outcome of the trial has no bearing on whether they will provide the services.
· Concealed carry insurance: These insurance products provide coverage (up to a specified limit) for civil defense, criminal defense, defense attorney retainers, bodily injury and property damage expenses, and even lost wages for you while you are in court. These policies typically only provide coverage for acts of self-defense.
· Gun association policies: Some gun owners’ groups, such as the National Rifle Association, offer insurance with your group membership (at extra cost). These policies may cover your civil defense and damages, criminal defense, lost wages, and even bail bonds.
Gun Ownership in the U.S.
“A well-regulated Militia, being necessary to the security of a free State, the right of the people to keep and bear Arms, shall not be infringed.”
The Second Amendment to the U.S. Constitution was adopted on December 15, 1791. It protects the right of the American people to keep and bear arms.
Today, gun ownership remains high in the U.S.:
· In 2015, about 41% of U.S. households had at least one gun.
· Gun ownership has remained relatively steady since 1972, when 43% of American households had at least one gun.
· Gun ownership is highest in the South, with 51% of households owning one or more firearm in 2014.
· The East has the lowest concentration of gun owners, with only 31% of households owning one or more firearms in 2014.
All fifty states allow concealed carry of certain firearms in public by appropriately qualified and licensed individuals. Concealed carry, or carrying a concealed weapon (CCW), means carrying a weapon on your person in such a way that others cannot see it (such as in a bag or under your clothing). Concealed carry laws and regulations vary by state.
Some states also allow for open carry, which is visibly carrying a firearm on your person in public. Open carry laws also vary by state.
Why Do You Need Concealed Carry Insurance?
Insurance of any kind is designed to protect you from the unexpected. If you are forced to use your licensed firearm in self-defense, chances are it is just the beginning of a very serious set of circumstances. Even if you acted lawfully, you can be charged with a crime and forced to prove that you acted legally and within your rights to defend yourself or your property. You will need to hire an attorney, and if the case goes to court you will accrue a mountain of legal bills. Regardless of the outcome, defending yourself will be very costly.
Even if you are not charged with a crime, or if you are cleared in criminal court, you may still face a civil lawsuit seeking compensation for bodily injury or property damage caused by your gun. An accident or the act of defending yourself or your family could leave you with a seemingly never-ending pile of legal bills and related expenses.
Insurance companies and gun owners have recognized the need for an insurance product that can help protect you from the costs associated with criminal charges and civil lawsuits that result from the use of a firearm. Insurance products and legal service subscriptions are available that can help you pay your defense and other costs related to the following types of gun incidents:
· Self-defense: It is generally permissible under the law to use reasonable force to protect yourself or members of your family from bodily harm by an aggressor if you have reason to believe that you or your family members are in danger. However, any case of self-defense will be thoroughly investigated, and you may be charged with a crime and required to defend yourself in court.
· Negligent or reckless discharge: Most states prohibit the negligent or reckless discharge of a weapon, such as celebratory shooting or reckless target shooting. If you fire a weapon in a way that injures someone or causes property damage, you can be charged with a crime or sued in civil court for damages.
· Unlawful personal firearm use: If you fire your weapon under certain circumstances prohibited by gun laws (firing across a highway, firing from a moving vehicle), you can be charged with a crime or sued in civil court for damages to persons or property.
Does My Homeowners Insurance Have Any Type of Protection?
You might assume you have some coverage under the liability portion of your homeowners policy if you harm someone or damage someone’s property with your firearm. But in fact, most homeowners insurance policies specifically exclude coverage for “intentional acts” including firing a gun—even in self-defense.
Some homeowners insurance policies contain an exception to the standard intentional acts exclusion. This is often called the “self-defense” or “reasonable force” exception. It allows for coverage for bodily injury resulting from the use of reasonable force by an insured person who is acting in self-defense.
Keep in mind that most homeowners insurance policies do not include this exception. Even if your policy does have this exception, coverage will only apply if you are faced with a civil lawsuit. If you are charged with a crime related to the discharge of your firearm, you will be out of luck.
How to Find the Best Concealed Carry Insurance for Your Needs
Ultimately it is your responsibility to thoroughly investigate what type of coverage you need and which product offers the best protection. You may want to enlist the help of an independent insurance agent to help you understand your options.
Before you purchase additional coverage, find out if you have any coverage under your homeowners insurance policy.
It is important to know your state laws before you shop for concealed carry insurance. Does your state have a “stand your ground” law that protects individuals from being sued in lawful self-defense cases? If you are legally protected from being sued in criminal court, do you need coverage that protects you from civil lawsuits?
Learn about the different types of coverage available and decide what you need. Be aware that concealed carry coverage is always limited in some way. Most CCW insurance products will only pay a small fraction of what it will cost you to defend yourself.
Here are some things to ask about when purchasing concealed carry insurance:
· Does it cover both civil and criminal court cases?
· Does it cover attorney fees, court costs, mistrials, and appeals?
· Does it cover bail bonds?
· Does it cover investigation costs and witness fees?
· Does it cover an initial attorney retainer?
· Does it offer coverage across state lines?
· What is the coverage cap (the maximum amount it will cover) for each element of your case?
· Does it cover your spouse, or do you need to purchase additional coverage?
Remember that no state requires gun owners to have concealed carry insurance. In recent years, nine states have considered legislation that requires gun owners to purchase certain types of insurance, but none has been enacted.
Give us a call with any questions.
POSTED MAY 15, 2018 5:56 PM
|Cruise for a Cause - Benefitting Sertoma Centre, Inc.
Be a part of Chicago's largest fundraiser on the water - hosted by our very own Mitchell Zeiler. The event will benefit Sertoma Centre, Inc., who works with individuals who have intellectual disabilities throughout the Chicagoland area. Mitchell has volunteered his time with Sertoma for the past two years on their Associate Board.
Join hundreds as we board the beautiful Anita Dee II and cruise the Chicago skyline for a cause! The cruise will feature a grand finale firework show over Navy Pier with live entertainment and premium cocktails are included.
To purchase tickets or for sponsorship opportunities, Click Here.
Any questions? Contact Mitchell Zeiler at 708.408.5779 or email@example.com
A little history on Mitchell's involvement: In high school, he was heavily involved in a Best Buddy program where they had students mentor special needs children. Mitchell was moved by the friendships and bonds he created so he continued in a basketball coaching role. After graduating from Western Michigan University, he joined SWSRA (South West Special Recreation Association) and coached in a young adult’s basketball league, where his team won the State Championship in 2015.
We hope to see you all there!
POSTED MAY 15, 2018 4:17 PM
|When a Little White Lie Leads to Jail Time: What Insurance Fraud Is and How to Avoid It
Most people assume a little white lie is harmless. When you’re filing an insurance claim for damages after a car accident, maybe you include damage to your fender that you know happened long before the accident in question. When you’re filling out an application for home insurance, maybe you conveniently forget to disclose that you have a pool in your backyard. It can’t hurt to fudge the truth a little, right? When it comes to insurance, even a small lie can carry big consequences. In fact, if you are convicted of committing insurance fraud, you could end up paying enormous fines, doing months of community service, or even spending time behind bars. Insurance fraud is no laughing matter, so it’s important to know what it is and how you can avoid it.
What Is Insurance Fraud?
The most basic definition of insurance fraud is deceiving an insurance company in order to receive compensation or other undeserved benefits. This could be a white lie on an insurance application, an exaggerated claim for damages or injuries, or even a claim that is blatantly false.
In most cases, people choose to commit insurance fraud in hopes of gaining some sort of monetary benefit. Maybe you’ve paid your home insurance premiums faithfully year after year, so you feel entitled to some sort of repayment. You submit a false claim for property damage in hopes of receiving some financial benefit from your policy. It might seem harmless, but it could land you a felony conviction and over a year in prison.
Two Types of Insurance Fraud
The American judicial system separates fraudulent cases into two categories: hard fraud and soft fraud. In the case of hard fraud, the perpetrator fakes an injury, theft, or accident in hopes of receiving money from an insurance company.
For instance, Joe loses his job and the bills start piling up. Desperate for some cash to get him back on his feet, he fakes a robbery. He breaks a window, turns over some tables and smashes some vases in the living room. Then he makes a police report, claiming he was robbed. Joe files an insurance claim, stating that the burglars stole some expensive electronics and antique jewelry. He hopes to receive a nice check for his troubles, but instead he receives a visit from an insurance fraud investigator. Soon, he is facing a felony charge for hard fraud.
Soft fraud is similar to hard fraud, but on a smaller scale. In this case, the perpetrator has a valid insurance claim, but simply exaggerates the actual damages to increase their monetary reward. For instance, Mary is driving to work one day when another vehicle rear-ends her at a stoplight. Even though she wasn’t injured during the accident, she files a claim stating she has subsequent back pain requiring ongoing visits to a chiropractor. While it’s only a partial lie, it is still considered soft fraud and is highly illegal.
What Is the Penalty for Insurance Fraud?
When a person is caught committing insurance fraud, the penalties can be quite severe. Soft fraud is considered a misdemeanor in most states, but it still carries heavy penalties that include fines, probation, community service, and even jail time. Hard fraud cases are always considered felonies, doing permanent damage to your public record. If convicted of hard fraud, a perpetrator can be sentenced to more than a year in prison, major fines, and restitution payable to the insurance provider. Oftentimes, fraud cases develop into criminal trials, uncovering multiple levels of criminal activity that can carry serious legal ramifications.
How Do You Report Insurance Fraud?
If you suspect someone has committed insurance fraud, it’s important to gather as much information as possible before you file a report. You will need the perpetrator’s name, the insurance provider’s name, and the dates when you suspect fraudulent activity took place. The more proof you have, the better your case will be. You can report insurance fraud by contacting any of the following authorities:
· State bureau for fraud
· All involved insurance companies
· State medical board
· The National Insurance Crime Bureau
Busted. Real World Cases of Insurance Fraud Revealed:
- Home Insurance Fraud: Indianapolis Man Sentenced to 50 Years Behind Bars: When Mark Leonard realized he would never find a way out of his mounting credit card and gambling debts, he took extreme measures and attempted to stage arson in an effort to receive $300,000 in compensation from the insurance company. He filled his home with natural gas and used a microwave on a timer to spark a fire. However, the explosion was much larger than expected, killing his neighbors instantly and doing damage to at least 80 other homes in the subdivision. By the time it was over, there was more than $5 million of damage. Jurors later convicted Leonard on more than 50 counts, sentencing him to up to 50 years in prison.
- Health Insurance Fraud: Doc Faces a Decade in Prison for Unlawfully Billing Insurance: Dr. Aria Sabit thought he had managed to con the system until his empire came crumbling down. Authorities discovered that he was performing unnecessary spinal surgeries and illegally billing insurance companies for the operations. The US Attorney’s Office estimated that Sabit illegally billed insurance providers for $11 million before he was caught. Now the former surgeon is facing a decade in prison, a small price to pay for such a far-reaching crime.
- Life Insurance Fraud: Florida Man Sentenced to 10 Years in Prison for Faking His Own Death: Jose Lantigua was sure his get-rich-quick scheme would work out perfectly. He faked his own death, complete with a funeral and cremation paperwork, in an effort to cash in on a $9 million life insurance policy. But authorities soon discovered that Lantigua was actually alive, thanks to a forged passport and a stolen social security number that were tracked to a remote home in the mountains of North Carolina. That’s where they found him hiding, wearing an ill-fitting toupee. Now the man is facing 10 years in prison for his foiled plot to deceive the insurance company.
The Moral of the Story: Don’t Falsify Insurance Claims
While these stories of insurance fraud might seem outrageous, this kind of deception happens every single day. Whether it’s a slight exaggeration or an outright lie, any type of falsehood involving your insurance can carry heavy consequences. Ultimately, it’s just not worth it. If you don’t want to wind up behind bars, make honesty a priority each time you deal with your insurance company.
POSTED MAY 15, 2018 5:00 AM
|We are free because of the brave.
Zeiler Insurance Services, Inc. wishes you and your family a safe and happy Memorial Day Weekend! Our offices will be closed on Monday, May 28th, 2018 in observance of those who have lost their lives serving our country.
Dan can be reached on his cell in the event of an emergency at 708.436.2973
You will also find 24/7 phone numbers for claims and billing for our companies on our website: www.zeiler.com
For more on this holiday, Click Here.
POSTED MAY 08, 2018 5:00 AM