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Driving Under the Influence and Other Substance-Related Driving Offenses

Every 48 minutes in the United States, someone dies in an accident caused by a driver under the influence of alcohol. Alcohol-related crashes cost $51 billion annually and account for one-third of all vehicular fatalities in the U.S. According to the Center for Disease Control, about 1.5 million drivers are arrested for operating a motor vehicle under the influence of alcohol or narcotics, which is less than one percent of the over 150 million self-reported incidents of impaired driving every year.

Clearly, driving under the influence of alcohol and other drugs is a serious problem on American roadways, but the problems don’t stop at the safety risks. Legally and financially, drunk driving also has devastating consequences.

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Life Insurance and New Years Resolutions

Most of us make New Years resolutions every year, but how many people include life insurance in their resolutions?  There are many resolutions we all have in common lose weight, exercise more, quit smoking, drink less alcohol, spend more time with the family, spend less, save more, etc., etc.

Many people have get my financial house in order as a general resolution.  However, what does this mean?

• Unless youre the Federal Government, this would include getting your budget in order so that your expenditures are less than your income (sorry, I couldnt help the easy dig).
• If you have an IRA or other retirement plan, its always a good idea to review your investment mix and modify it, if necessary.
• The end of the calendar year is a good time to start pulling together the financial records you will need to file your tax returns (actually, its a good idea to look at it before the New Year so you can take any last minute deductions available to you.
• Time to review your insurance policies, including home, auto, health, disability and life insurance.  Is your coverage for each adequate or too much or not enough?  Regarding life insurance, if you have had a change in income or significant life changes (marriage, new child, changes in employment) you might want to review your policy with your agent to see if any changes are necessary.

If your insurance agent offers to review your policies, take him/her up on it.  We recommend doing this annually and what better time to do it than when youre making your resolutions?