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Are you a Kentucky resident looking for low rate Kentucky Auto Insurance?
We can now insure all of the following risks:
Have you been charged with DUI?
Speeding Tickets?
Auto Accidents?
No social security number?
International Driver's License?
No PriorAuto Insurance?
We can insure you today. Call us at 1-866-540-9504 for a free auto quote!
We work for you! Dick Watts Insurance
Kentucky Insurance

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Are you a Kentucky resident looking for low rate Kentucky Auto Insurance?
We can now insure all of the following risks:
Have you been charged with DUI?
Speeding Tickets?
Auto Accidents?
No social security number?
International Driver's License?
No PriorAuto Insurance?
We can insure you today. Call us at 1-866-540-9504 for a free auto quote!
We work for you! Dick Watts Insurance
Kentucky Insurance

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Welcome to Louisville Evacuees! Our office was able to help a recent arrival to Louisville, Kentucky with their car insurance. Welcome to Louisville Bruno D ! Bruno lost his home and father in Biloxi and was able to relocate to Louisville. Bruno's only remaining possession, his uncle's car. Bruno's uncle evacuated to Alabama, but so far Bruno has been unable to make contact with his uncle. Bruno's auto insurance policy expired 28 days before he came into our office. We were able to obtain a lower rate for Bruno, since his policy had expired less than 30 days ago. Bruno's title and other vital documents had been lost in the hurricane. We were able to make a quick call to the insurance company to get an exception, since We were able to get the insurance policy issued. We issued a six month policy that included liability coverage and comprehensive and collision. Bruno has been able to find a job and is considering permanently relocating to Kentucky. We want to welcome the evacuees to our city. Do you know of anyone else who has relocated to Kentucky that needs insurance, if you do we hope that you will refer them to our office.

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Welcome to Louisville Evacuees! Our office was able to help a recent arrival to Louisville, Kentucky with their car insurance. Welcome to Louisville Bruno D ! Bruno lost his home and father in Biloxi and was able to relocate to Louisville. Bruno's only remaining possession, his uncle's car. Bruno's uncle evacuated to Alabama, but so far Bruno has been unable to make contact with his uncle. Bruno's auto insurance policy expired 28 days before he came into our office. We were able to obtain a lower rate for Bruno, since his policy had expired less than 30 days ago. Bruno's title and other vital documents had been lost in the hurricane. We were able to make a quick call to the insurance company to get an exception, since We were able to get the insurance policy issued. We issued a six month policy that included liability coverage and comprehensive and collision. Bruno has been able to find a job and is considering permanently relocating to Kentucky. We want to welcome the evacuees to our city. Do you know of anyone else who has relocated to Kentucky that needs insurance, if you do we hope that you will refer them to our office.

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kentucky house bill 29 - proof of auto insurance

" House Bill 29, passed during the 2004 General Assembly, as a positive step in the continuing battle to identify uninsured motorists. The bill, sponsored by Rep. Ron Crimm, goes into effect on Jan. 1, 2006. It will require all insurance companies writing automobile insurance in Kentucky to send a list of vehicle identification numbers (VIN) and policyholders to the Transportation Cabinet’s Department of Vehicle Regulation by the 15th of each month. This will be kept in the Kentucky Vehicle Information System’s (KVIS) database and will be accessed by county clerks. Unless the VIN is found in the database, the county clerk cannot process an application for, or issue, a title, registration, replacement plate, duplicate registration, transfer of registration or temporary tag. "

kentucky house bill 29 - proof of auto insurance

" House Bill 29, passed during the 2004 General Assembly, as a positive step in the continuing battle to identify uninsured motorists. The bill, sponsored by Rep. Ron Crimm, goes into effect on Jan. 1, 2006. It will require all insurance companies writing automobile insurance in Kentucky to send a list of vehicle identification numbers (VIN) and policyholders to the Transportation Cabinet’s Department of Vehicle Regulation by the 15th of each month. This will be kept in the Kentucky Vehicle Information System’s (KVIS) database and will be accessed by county clerks. Unless the VIN is found in the database, the county clerk cannot process an application for, or issue, a title, registration, replacement plate, duplicate registration, transfer of registration or temporary tag. "

Kentucky Insurance

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A handful of "hurricane pets" arrived in Louisville and Southern Indiana just in time.

The annual Adopt-a-Thon of the Kentucky Humane Society's Louisville chapter was this weekend -- and there was a line waiting yesterday to take home all of the adoptable animals -- 18 dogs and cats -- that had been brought from storm-battered Mississippi......

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Kentucky Insurance

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A handful of "hurricane pets" arrived in Louisville and Southern Indiana just in time.

The annual Adopt-a-Thon of the Kentucky Humane Society's Louisville chapter was this weekend -- and there was a line waiting yesterday to take home all of the adoptable animals -- 18 dogs and cats -- that had been brought from storm-battered Mississippi......

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Kentucky Rental Property Insurance

RENTAL PROPERTY INSURANCE. REAL ESTATE LOUISVILLE KY. LANDLORD POLICY. HOMEOWNERS INSURANCE

We can insure your rental property or investment property today
Category:
* Vacant Homes - Rental Property Insurance
* Rehab Homes - Rental Property Insurance
* Investment Property- Rental Property Insurance Are you a Realtor, Investor, Contractor- are you looking for immediate binding insurance coverage for your rental property? Does your lender require rental property insurance before the closing? No problem we can insure you today. We can bind coverage immediately, we will fax proof of insurance to the realtor, lender, and directly to the closing. Be insured in 15 minutes or less!

The Specialty Dwelling Program is designed for homes that do not qualify for preferred homeowners coverage including:Older and lower-value homesHomes with minor cosmetic problemsHomes with a market value below replacement costFolks with credit and/or loss problemsSmall landlord properties (up to 4 living units)Vacants, seasonals, row houses, cabins, and much more

RENTAL PROPERTY INSURANCE. REAL ESTATE LOUISVILLE KY. LANDLORD POLICY. HOMEOWNERS INSURANCE

We are proud members of KREIA- Real Estate Investing for the beginner. KREIA is a networking forum to educate real estate investors from the basics to the complex.
The Kentuckiana Real Estate Investors Association Provides:
A forum for meeting with other investors
Idea exchange
Investment Enthusiasm
Knowledge of market and investment techniques

visit our web site for more Rental Property Insurance KY information
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Kentucky Rental Property Insurance

RENTAL PROPERTY INSURANCE. REAL ESTATE LOUISVILLE KY. LANDLORD POLICY. HOMEOWNERS INSURANCE

We can insure your rental property or investment property today
Category:
* Vacant Homes - Rental Property Insurance
* Rehab Homes - Rental Property Insurance
* Investment Property- Rental Property Insurance Are you a Realtor, Investor, Contractor- are you looking for immediate binding insurance coverage for your rental property? Does your lender require rental property insurance before the closing? No problem we can insure you today. We can bind coverage immediately, we will fax proof of insurance to the realtor, lender, and directly to the closing. Be insured in 15 minutes or less!

The Specialty Dwelling Program is designed for homes that do not qualify for preferred homeowners coverage including:Older and lower-value homesHomes with minor cosmetic problemsHomes with a market value below replacement costFolks with credit and/or loss problemsSmall landlord properties (up to 4 living units)Vacants, seasonals, row houses, cabins, and much more

RENTAL PROPERTY INSURANCE. REAL ESTATE LOUISVILLE KY. LANDLORD POLICY. HOMEOWNERS INSURANCE

We are proud members of KREIA- Real Estate Investing for the beginner. KREIA is a networking forum to educate real estate investors from the basics to the complex.
The Kentuckiana Real Estate Investors Association Provides:
A forum for meeting with other investors
Idea exchange
Investment Enthusiasm
Knowledge of market and investment techniques

visit our web site for more Rental Property Insurance KY information
renters fire insurance in ky

Auto Insurance for Kentucky- Car Insurance KY

we provide low rate auto insurance in ky! call us today for a free kentucky auto insurance quote at (502) 245-3625.

"What causes my insurance rate to increase?"
We often hear this question from our current and prospective customers. We recently read of an insurance fraud case where 2 workers compensation carriers in kentucky received fraudlent claims. The article gives an outline of the case. here is the link: Middlesboro Newspaper.

Here is the article as it appears in the newspaper
"Two sentenced for role in insurance scam
Two Tennessee men have been sentenced to 25 months in prison, four months after pleading guilty to mail fraud related to a scheme to hide employees from workers compensation insurance companies.Oliver Bruce Hurley, 54, of Speedwell, Tenn., and Charles William Johnston, 56, of Tazewell, Tenn., appeared before U.S. District Judge Jennifer Coffman in Lexington on Friday.Prosecutors said the men were part of a scheme to defraud insurance companies of more than $6 million.A third person, Gary Slater, 47, Harrogate, Tenn., was found guilty by a jury in August on charges of mail fraud and money laundering. He is scheduled for sentencing on Dec. 16. At the same trial, jurors found Slater's wife, Anita Carol Slater not guilty of the same charges.The prison sentences for Hurley and Johnston were about one-half of what they could have received under federal sentencing guidelines. Coffman accepted the prosecutor's recommendation that the sentenced be reduced because both men had cooperated fully in the investigation from the time of their arrest by assisting authorities in uncovering all the evidence. Additionally, both testified at the Slaters' trial.Evidence at the trial showed that Gary Slater owned a company that provided temporary employees to coal mines in the Middlesboro area. The company employed more than 100 miners, but paid insurance premiums for only 15, said U.S. Attorney Gregory Van Tatenhove.
Van Tatenhove said the scheme involved creating two separate companies on paper with similar names. These companies changed their names several times, adding to the confusion. One employed about 10 percent of the miners, and the other employed 90 percent of them. An insurance policy would be purchased for the smaller of the companies, drastically reducing the amount of their worker's compensation insurance premium.Because the companies had very similar names, coal mine operators using the employees were fooled into believing everyone was covered. Between October 1999 and June 2004 the names Carol Dale Contracting, Inc., Carol-Dale, Inc., B&G Contracting, Inc., B&G, Inc., Cumberland Gap Contracting, Inc., and Cumberland Gap, Inc. were used for the companies."Whenever an employee was injured, the company would either arrange to pay off the injured worker to avoid filing a claim, or they would file the claim in the name of the covered company," Van Tatenhove said in a press release."Between 1999 and 2004, the companies were able to defraud two insurance companies, Kentucky Employers Mutual Insurance Company (KEMI) of Lexington, and the American International Group, Inc. (AIG) of New York, of over $6 million."Evidence at Slater's trial also showed that the men engaged in an elaborate scheme to avoid paying taxes on the profits of the employment service, according to Van Tatenhove. They accomplished this by creating false business expenses and invoices from fictitious trucking companies. Money was moved from one company account to another, before being cashed at Gambrel's Grocery in Arjay, with the use of fictitious gasoline purchase invoices.Slater was described as the ringleader of the scheme, with Hurley assisting by lending his name to the creation of the various companies where payroll was hidden from the insurers. Johnston assisted by doing the bookkeeping for the companies, including the keeping of fictitious books to show to insurance auditors.In addition to the prison sentences, Coffman fined Johnston $250,000 and ordered him to pay $1 million in restitution to the insurance companies - he has 60 days to pay and told the court the money would come from the sale of his business, J & J Accounting - and Hurley was ordered to pay $500,000 in restitution, which he paid several weeks ago.In a related case, Coffman sentenced Carolyn Gambrel to six months of home incarceration for laundering money from the scheme at her grocery store in Arjay. Gambrel, 55, also was fined $30,000 and placed on three years of probation.According to Van Tatenhove, prosecutors do not plan to request leniency for Slater, who faces a potentially stiff sentence of incarceration, fines and restitution.In January, federal officers seized or placed under court ordered restraint numerous assets belonging to Slater and Hurley, including cash, certificates of deposit, vehicles, airplanes, homes and personal assets. The total amount seized approached the $6 million involved in the crime.The investigation leading to the indictments in this case was a joint effort by a number of private and government entities. The investigation began with in-house auditing and questioning by officials at KEMI. Later, the matter was turned over to the investigating arm of the Kentucky Department of Insurance and ultimately to the United States Postal Inspection Service. Officials from AIG were alerted that they were potential victims and also provided support to the investigation."

Unfortunately, it is cases similar to these that cause insurance rates to increase.

Auto Insurance for Kentucky- Car Insurance KY

we provide low rate auto insurance in ky! call us today for a free kentucky auto insurance quote at (502) 245-3625.

"What causes my insurance rate to increase?"
We often hear this question from our current and prospective customers. We recently read of an insurance fraud case where 2 workers compensation carriers in kentucky received fraudlent claims. The article gives an outline of the case. here is the link: Middlesboro Newspaper.

Here is the article as it appears in the newspaper
"Two sentenced for role in insurance scam
Two Tennessee men have been sentenced to 25 months in prison, four months after pleading guilty to mail fraud related to a scheme to hide employees from workers compensation insurance companies.Oliver Bruce Hurley, 54, of Speedwell, Tenn., and Charles William Johnston, 56, of Tazewell, Tenn., appeared before U.S. District Judge Jennifer Coffman in Lexington on Friday.Prosecutors said the men were part of a scheme to defraud insurance companies of more than $6 million.A third person, Gary Slater, 47, Harrogate, Tenn., was found guilty by a jury in August on charges of mail fraud and money laundering. He is scheduled for sentencing on Dec. 16. At the same trial, jurors found Slater's wife, Anita Carol Slater not guilty of the same charges.The prison sentences for Hurley and Johnston were about one-half of what they could have received under federal sentencing guidelines. Coffman accepted the prosecutor's recommendation that the sentenced be reduced because both men had cooperated fully in the investigation from the time of their arrest by assisting authorities in uncovering all the evidence. Additionally, both testified at the Slaters' trial.Evidence at the trial showed that Gary Slater owned a company that provided temporary employees to coal mines in the Middlesboro area. The company employed more than 100 miners, but paid insurance premiums for only 15, said U.S. Attorney Gregory Van Tatenhove.
Van Tatenhove said the scheme involved creating two separate companies on paper with similar names. These companies changed their names several times, adding to the confusion. One employed about 10 percent of the miners, and the other employed 90 percent of them. An insurance policy would be purchased for the smaller of the companies, drastically reducing the amount of their worker's compensation insurance premium.Because the companies had very similar names, coal mine operators using the employees were fooled into believing everyone was covered. Between October 1999 and June 2004 the names Carol Dale Contracting, Inc., Carol-Dale, Inc., B&G Contracting, Inc., B&G, Inc., Cumberland Gap Contracting, Inc., and Cumberland Gap, Inc. were used for the companies."Whenever an employee was injured, the company would either arrange to pay off the injured worker to avoid filing a claim, or they would file the claim in the name of the covered company," Van Tatenhove said in a press release."Between 1999 and 2004, the companies were able to defraud two insurance companies, Kentucky Employers Mutual Insurance Company (KEMI) of Lexington, and the American International Group, Inc. (AIG) of New York, of over $6 million."Evidence at Slater's trial also showed that the men engaged in an elaborate scheme to avoid paying taxes on the profits of the employment service, according to Van Tatenhove. They accomplished this by creating false business expenses and invoices from fictitious trucking companies. Money was moved from one company account to another, before being cashed at Gambrel's Grocery in Arjay, with the use of fictitious gasoline purchase invoices.Slater was described as the ringleader of the scheme, with Hurley assisting by lending his name to the creation of the various companies where payroll was hidden from the insurers. Johnston assisted by doing the bookkeeping for the companies, including the keeping of fictitious books to show to insurance auditors.In addition to the prison sentences, Coffman fined Johnston $250,000 and ordered him to pay $1 million in restitution to the insurance companies - he has 60 days to pay and told the court the money would come from the sale of his business, J & J Accounting - and Hurley was ordered to pay $500,000 in restitution, which he paid several weeks ago.In a related case, Coffman sentenced Carolyn Gambrel to six months of home incarceration for laundering money from the scheme at her grocery store in Arjay. Gambrel, 55, also was fined $30,000 and placed on three years of probation.According to Van Tatenhove, prosecutors do not plan to request leniency for Slater, who faces a potentially stiff sentence of incarceration, fines and restitution.In January, federal officers seized or placed under court ordered restraint numerous assets belonging to Slater and Hurley, including cash, certificates of deposit, vehicles, airplanes, homes and personal assets. The total amount seized approached the $6 million involved in the crime.The investigation leading to the indictments in this case was a joint effort by a number of private and government entities. The investigation began with in-house auditing and questioning by officials at KEMI. Later, the matter was turned over to the investigating arm of the Kentucky Department of Insurance and ultimately to the United States Postal Inspection Service. Officials from AIG were alerted that they were potential victims and also provided support to the investigation."

Unfortunately, it is cases similar to these that cause insurance rates to increase.

Kentucky Car Insurance- Auto Insurance for KY

Child Safety Seats:

"Now entering its fourth year, NHTSA's Ease of Use Ratings program continues to prompt child restraint manufacturers to improve their products and make them easier for consumers to use.

The purpose of the ratings program is to educate parents and caregivers about child safety seat features and to assist them in finding the appropriate child safety for their needs.

Overall, the results for the 2005 ratings were the most positive to date. Results show that the majority of improvements pertained to the clarity of labels and instructions. Ratings were also improved within the assembly and CRS installation categories." Here is a great link
that rates child safety seats on Safety and Ease of Use. If you have a child, are an expecting parent, or grandparent, we would recommend clicking on this link for a complete review of Child Safety Seats: 2005 Child Safety Ease of Use Ratings from the National Highway Dept.
Low Rate Kentucky Car Insurance
"We work for you!"- from Dick Watts Insurance

Kentucky Car Insurance- Auto Insurance for KY

Child Safety Seats:

"Now entering its fourth year, NHTSA's Ease of Use Ratings program continues to prompt child restraint manufacturers to improve their products and make them easier for consumers to use.

The purpose of the ratings program is to educate parents and caregivers about child safety seat features and to assist them in finding the appropriate child safety for their needs.

Overall, the results for the 2005 ratings were the most positive to date. Results show that the majority of improvements pertained to the clarity of labels and instructions. Ratings were also improved within the assembly and CRS installation categories." Here is a great link
that rates child safety seats on Safety and Ease of Use. If you have a child, are an expecting parent, or grandparent, we would recommend clicking on this link for a complete review of Child Safety Seats: 2005 Child Safety Ease of Use Ratings from the National Highway Dept.
Low Rate Kentucky Car Insurance
"We work for you!"- from Dick Watts Insurance

Low Rate Auto Insurance for Kentucky

There are many Kentucky Fall Festivals starting soon. We would like to hear about your favorite Fall Festival. One of our favorite fall festivals is this weekend. Sept 10th & Sept 11th at the Trimble County Apple Fest

There will be many Arts and Crafts, activities for children, and our favorite part are the home made Apple Dumplings. The Festival runs from 9 to 5 on Saturday and 12-5 to 5 on Sunday.

Trimble County is only a few miles northeast from Louisville, KY. We hope you will let us know about your favorite Fall Festival.

Low Rate Auto Insurance for Kentucky

There are many Kentucky Fall Festivals starting soon. We would like to hear about your favorite Fall Festival. One of our favorite fall festivals is this weekend. Sept 10th & Sept 11th at the Trimble County Apple Fest

There will be many Arts and Crafts, activities for children, and our favorite part are the home made Apple Dumplings. The Festival runs from 9 to 5 on Saturday and 12-5 to 5 on Sunday.

Trimble County is only a few miles northeast from Louisville, KY. We hope you will let us know about your favorite Fall Festival.