•Be extra cautious about locking doors and windows when you leave the house, even for a few minutes.

•When leaving home for an extended time, have a neighbor or family member watch your house. If you are going to be gone more than a day or two have your mail held at the post office until you return.

•Indoor and outdoor lights should be on an automatic timer.

•Leave a radio or television on so the house looks and sounds occupied.

•Large displays of holiday gifts should not be visible through the windows and doors of your home.

•When setting up a Christmas tree or other holiday display, make sure doors and passageways are clear inside your home.

•Be sure your Christmas tree is mounted on a sturdy base so children, elderly persons or family pets cannot pull it over on themselves.

•If you use lights on your Christmas tree ensure the wiring is not damaged or frayed. Frayed or damaged wiring can cause a fire.

•Never place wrapping paper in your fireplace.

The Christmas season is one of giving, of love and of laughter; don’t let potential criminals ruin your holiday.

This message is brought to you by our good friends at Fat City Fireworks & Christmas Trees. Please visit them at their Christmas tree lot across from Meridian Speedway in Meridian, ID. They have everything you need for a wonderful holiday season; their trees are the freshest in the valley. Bring in this article and receive $10.00 off any tree on the lot (cannot be combined with any other special).

And don’t forget your fireworks for New Years Eve; their warehouse is open year-round right off of Exit 74 Simco Rd between Boise & Mountain Home. Print this add off and receive $10.00 off your purchase of $50.00 or more at Idaho’s Largest Firework Superstore. You can also visit them on the web at http://www.fatcityfireworks.com/locations.html
Remember, prior to setting up your fresh Christmas tree, dissolve two aspirin in warm water, and then continue to add warm water on a daily basis. This will help prevent your tree from drying out and becoming a fire hazard. Also, please keep your tree away from heater vents, woodstoves and fireplaces.

Referral Program

Three Rivers Insurance is proud to introduce our new Referral Program. We have been providing the same excellence in auto insurance, home insurance, life insurance, and business insurance packages for over 100 years. During that time we have constantly worked to improve our insurance offerings, now its time to give back to you with our Referral Program

Our Referral Program supports local businesses

By referring people to us you are causing us to invest even more in local businesses like the coffee shop around the corner, or your favorite gas station down the road. Every referral that you give us gets you gift cards to businesses local to you.

Three Rivers’ Referral Program rewards those you refer

This gives you the opportunity to share the same wonderful stories and experiences that you have enjoyed with those around you! Most people are looking for better/cheaper insurance; those who aren’t are already one of our customers!

How to use our Referral Program

The quickest way is to simply fill out our Referral Program‘s form. Only basic information is needed, and we promise not to abuse this information or share it with third parties. If you have any questions or don’t want to use the online form, feel free to contact your local insurance office and speak with one of our representatives about our Referral Program.

It is crucial that all doctors carry medical malpractice insurance no matter what field of medicine they are in or what the malpractice insurance cost is. It is not unusual for patients or their family members to sue medical practitioners for malpractice; after all, a patient’s recovery is never guaranteed even with the best of treatment.

The cost and required coverage of a medical malpractice insurance policy varies greatly from state to state. Policies are mandatory in some states; however, most doctors or healthcare providers purchase a medical malpractice policy as a means of protecting their financial concern. The cost and amount of insurance required is usually based on the type of medical service that the practitioner is specialized in.

Generally, the more involved the specialization of the work a doctor does, the more expensive the insurance cost will be. The expense of medical malpractice insurance is one of the most expensive of insurance policies and could cost as much as $200,000 or more. It all depends on what the state law stipulates as to the amount of medical malpractice insurance that must be carried and what type of additional coverage the practitioner chooses to carry.

In addition, the choices in insurance companies can differ greatly in the price and quality of service and coverage. It is important to look for an insurance company that pledges to care of all of the complaints of malpractice related matters that could possibly be filed against the medical practitioner. As with any type of insurance, it is wise to choose a medical malpractice insurance provider that comes highly recommender by other practitioners. Ask the insurance company for reviews from other doctors they have previously represented in malpractice lawsuits.

A new On Your Side® survey by Nationwide verifies with concrete cell phone driving statistics the general assumption that there is strong public support for legislation to restrict cell phone usage while driving.

The results of the new survey show there are varying degrees of support for different types of restrictions based on these texting while driving statistics.

8 in 10 drivers support some type of cell phone usage restriction.
The majority of respondents say they are supportive of laws restricting any type of cell phone use while driving.
80 percent respondents support a ban on text messaging while driving.
80 percent of respondents support a ban on e-mailing while driving.
Two thirds (67 percent) of respondents say they are supportive of laws restricting phone calls while driving.
Of those who supported enacting some type of cell phone usage restriction, nearly 3 in 4 believed the law should apply to all drivers, not just specific groups.
Read other cell phone driving statistics
Distraction from cell phone use while driving (hand held or hands free) extends a driver’s reaction as much as having a blood alcohol concentration at the legal limit of .08 percent. (University of Utah)
The No.1 source of driver inattention is use of a wireless device. (Virginia Tech/NHTSA)
Drivers that use cell phones are four times as likely to get into crashes serious enough to injure themselves. (NHTSA, Insurance Institute for Highway Safety)
10 percent of drivers aged 16 to 24 years old are on their phone at any one time.
Driving while distracted is a factor in 25 percent of police reported crashes.
Driving while using a cell phone reduces the amount of brain activity associated with driving by 37 percent (Carnegie Mellon)