BPD K9 Unit $$ Goal Tracker

12.22.23 UPDATE: Goal reached!! Thank you to all who contributed.

BATESVILLE let’s come together to raise awareness and donations for our BPD K9 unit in order to keep our schools and businesses safe! These K9’s and their training can be upwards of $15,000! We are challenging businesses to come up with fun, creative ways to support this cause. Janet Smart Agency will be donating $100 for every life insurance policy issued, until the money is raised! Check out our FaceBook page for continual updates.

As a Public Safety Partner, teamed up with the Law Enforcement Community Relations Team, donations can be made out and sent to:
Law Enforcement Community Relations Team
169 Mount Springs Road
Batesville, AR 72501
Please memo checks K9 Unit.

For more information or collaboration opportunities contact us at jsmart@farmersagent.com.

For the same reason everything is–inflation. Inflation of home materials and car parts, plus labor shortages, which create manufacturing delays, are all a ripple effect leading to increases in insurance premiums.
Think about it: if it costs more to make and deliver your car parts, your insurance has to reflect that increase for replacement cost so that if you have an accident, you’ll be covered. The same with your home. Home insurance premiums are going up everywhere due to the increased cost of labor and construction materials thanks to supply chain issues and record-high inflation that started in 2020.

Other rate factors include:
Natural disasters-floods, tornadoes, wildfires
Post pandemic travel increase-more people on the road
Supply chain bottlenecks
Distracted driving
Increased theft levels

What can you do?
Call your insurance provider to make sure you have the correct coverage and ask if there are any discounts you might qualify for. In some circumstances, discounts and/or bundling can help off-set these rate increases.

For additional information:

https://www.farmers.com/learn/insurance-questions/why-did-my-car-insurance-rates-change/

What is a permissive driver? Someone who you give permission to borrow your vehicle, but they are not listed on your policy. 

Do most auto policies cover permissive users? Most policies come with permissive use, but always check with your agent. It’s also recommended that the borrower of your vehicle carry their own insurance too. 

How does it work? Permissive use coverage is designed for occasional, short-term borrowing. “Occasional borrowing” does not equal “regular use”, espciallly if the borrower does not  live with you. However, if a driver uses your car on a “regular basis” it’s best to add them to your policy. An example would be, if your friend needs to borrow your pickup truck for a day or two to haul something, they would be considered a permissive driver and covered in case of an accident. On the other hand, if your friend moves in with you and drives your pickup often, they would need to be added to your policy. 

For more information:

https://www.farmers.com/learn/insurance-questions/what-if-a-friend-crashes-my-car/

https://www.farmers.com/learn/insurance-questions/does-my-auto-insurance-cover-anyone/