3 Thing to Train Your Truck Drivers to do Post Accident

With several clients having this issue we've seen a thing or two about accidents on the road with commercial truck drivers. Not only can it be dangerous to the driver with a large semi-truck on the road there are certain precautions that need to be taken when driving a semi. There are several reasons why these vehicles are in many cases over $100,000 to purchase, they are very heavy duty, carry large amounts of cargo and quantities of cargo but they also are expensive if in an accident or something brakes down. If a semi is in an accident there are often times hidden problems that arise in other's cars as well as the semi that go unnoticed to the untrained eye. We recommend three things happen when your semi gets into an accident on the road and that we recommend every driver get trained before he hits the road on a voyage.

After California residents suffered various losses due to water problems Learn MORE about how California Residents are able to protect themselves and how the City of California has decided to step in and do something about it. 

After the accident when you take as many pictures as you can you are putting yourself in the best position to be prepared for previous accidents or problems that can occur when taking the info to the shop. The same with regular accidents as well. For example there are still claims that are filed with an insured taking one or to photos of an accident on the front bumper for example. At face value that accident was just the front bumper but there are hidden issues underneath the car that are issues that can cause problems down the road that are completely unnoticed. Take as many pictures and save your self a world of hurt when it comes two months after the accident and you have an axle issue.

1.Take as many pictures as possible after the accident from as many angles possible.


Next, many drivers now a days will put cameras all over their rear view mirrors that will record accidents and what really happened. We recommend if you are CDL driver and are spending hours and hours doing something on the road, then make sure you get a camera that will record your trips with a DF card inside the camera. This will store the footage that is taken on the camera so you can see what actually happened. This is very important for drivers that even don't trust witnesses at the time of the accident. You can go back to the footage and get a real time view of what has happened in that accident. Like a pro football game you get a "UNDER REVIEW" of what happened.

2. Get a Camera for driving footage

Last get with your insurance agent to get the right coverage and make sure you have all of your bases covered. If you have Motor Carriers Coverage for all of your cargo but don't carry physical damage coverage. It's going to cover your cargo but if you brake a pipe while loading your cargo into your truck and you have no physical damage coverage than it's not going to be helpful at all for your coverage and you will have to pay out of pocket for this.

3. Contact you and/or your insurance agent ASAP, regardless of how minor the accident may be.  

3. Contact you and/or your insurance agent ASAP, regardless of how minor the accident may be.

I hope as CDL drivers and drivers of all kinds of cargo, whether that is food driver insurance, commercial semi truck insurance or freight cargo, you will take these important steps to ensure you have your ducks in a row and your basis covered. ​

Commercial Truck Insurance

When looking for cheap truck insurance, you need to know you're with an company and an agent that is going to take care of your truck insurance needs.

At the Burkholz Insurance Agency we are the greatest commercial truck insurance company in the nation. Right now it is extremely expensive and is increasingly more expensive so it's important to find the best coverage and price.

With our multiple carriers we are able to get your desired low cost truck insurance at the cheapest pricing available. Not only are we part of the top 10 commercial truck insurance companies in the country in many cases we could be considered number 1 due to our experience and knowledge in cheap commercial truck insurance. 
​
Whether you're looking for semi truck insurance, car carrier insurance or even fleet truckers insurance, we have the options and most competitive pricing for your needs.  We care about your needs. We know you want to get low cost truck insurance and fast for your rig. It's not always easy but we get you certificates when you need them and make sure your trucks always covered.

As brokers, we have several providers. Progressive and Home State which are intrastate as well as interstate. We go with wherever your vehicle is registered guaranteeing you have coverage. If you take a two week trip. We can get you certificates of insurance which allow you to cross state lines and allow your truck insurance to cross state lines.

Welcome to the Burkholz Insurance Agency. We specialize in providing commercial owner operator truck insurance at the cheapest prices.

Best location for internet leads by state

Although I haven't really done this yet, I am working on getting in different states with my business. I have grown to $28,000 in premium in the past few weeks I need to be at around $280,000 by the end of the year. however I am going to be working on growing in Las Vegas, along with El Paso Texas, San Francisco, Tuscon, Pheonix, and many many other locations.

I am going to be doing an analysis of which of these locations provide the best leads. Las Vegas has taken me so far around 5-6 months to even get anywhere. I was on the third page for 4 or 5 very good key words then I dropped to nothin within a week. I need to get this back to where my top key words are ranking and I feel this blog is a great way to divulge my insurance business in a short amount of time.

With most things, things take time. Esspecially things online in Las Vegas. It's not like Kaysville or something. I am however on BING and YAHOO on page 5 which I was on page 2. so I haven't dropped TOOO far. I just need to keep creating.

One thing about insurance is you need to make sure that you have an agent that will make sure  you are getting all of the discounts available.

I specialize in this. Making sure you're getting your discounts available and growing.

I want to make sure you're getting the best growth and best opportunity to get the best policy that you can get.

I am working to stay with it and never give up.

I am really excited to work as an independent broker and build something that has a lot of opportunity for growth and becoming the best agent that I can.

One of my favorite discounts are the ones that use telematic devices, mostly through your phone. These discounts are available to those who are able to get an app on their cell phone.

How these work is the app will be able to tell the driver's driving habbits. If they are driving too fast or if they are braking too hard.

All these habbits are very important to this discount.

I feel this is much better than root who basis their driving premium soley on how you drive, if you get one ticket your premiums skye rocket. This isn't fun in most cases it's much more expensive.

This discount can be 3% like with Allstate or 10% like with Nationwide it just depends on the company and how much they place an emphasis on this discount.




Hope this blog helps


Eric Burkholz

COmputer quote vs person quote

Some of the best way to see if you're paying too much for car insurance are getting a comparison quotes when you get a comparison quote with several top brand companies especially with an agent that's knowledgeable and aware of your needs you're doing yourself a huge favor by not wasting time with computer quotes that don't know all your discounts that could be available. You also ensure you're getting to someone that has access to other companies and can switch you with the knowledge of your needs at the drop of a hat.

With this knowledge is it worth it to take the time and make sure you get the right agent for you? Some companies like ROOT or others promise rates on driving performance and at the first sign of trouble they jack your rates up.

You want to find someone that's going to take care of you and your needs and get to know you. If you move you can call your agent and he/she will help you with your need and move with you.

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Maintaining Clients

Most insurance agents once they have made the sale don't take car of the client' whether that's following up with them after they have promised to do so or just maintaining the relationship. There are certain things that need to be followed in order to maintain that client. First, make sure that the client has a good idea that you are there to help them whether that's small advice, claims or just little tips to maintain lower premiums these are important things that will not just win them over but keep them in your book of business.

Client retention is extremely important if your want you agency to grow and flourish. You need to not only get new clients but make sure that you are getting things right with each client at the beginning so that there aren't any issues down the road.

When you establish your relationship get out anything that could cause harm to the customer down the road out in the beginning so that they don't get any surprises, like if they are going to be losing a discount or if at renewal they have an accident drop off and you forget to change that on their policy it they will miss out on savings that they could be getting if you hadn't.

 I did this with a homeowner once and it backfired. I switched them to a newer policy thinking that they were going to get betters savings and they ended up having to get a new inspection on their home which cost them around $6000. So make sure to maintain your clients the right way.

Along with that Auto insurance companies as an independent agent has different discounts with different companies. Nationwide has different discounts on the Smart ride Program than the Plug in discount with Progressive. Each one has different discounts.

I still don't know ALL the discounts at the moment. I am just getting basic quotes however I am going to be learning them over a long period of time. I will learn them and make sure that I get them down.


Thanks for listening.

Eric Burkholz

Independent VS Captive

Top tips to better insurance coverage.

When choosing an agent, the majority of individuals are choosing an independent agent these days because of the freedom to switch between companies. Many times retention is 100% because if a customer doesn't find what they're looking for at one carrier they will at another and so on and so on.

Many captive agents don't have the advantage of informing their clients that they can switch them or keep them within a certain agency just with a different company with different packages and products. It gives the independent agency somewhat of an advantage because when the captive agency can't write certain policies, like mobile homes for example one company specializes in mobile homes while the other company specializes in specialty auto for example, it broadens the horizons of the hope and excitement for the insurance industry.

As an agent learns more about his company products is able to broaden his customer base as well. An agent that has only done auto and only done home when he finds another company that has boat products and ATV's ect it makes his life a whole lot easier. Really great to have that knowledge knowing he's able to switch between certain carriers.


Another advantage of an independent agency  is there are no life insurance quotas that he needs to hit. My dad who is a captive agent for Allstate and has been for many years has to hit a certain amount of points to hit his numbers and isn't allowed to go out of the state due to his captive appointment with Allstate.

Where I am able to branch to Colorado, Nevada, California, Arizona as well as Utah. In those 5 states alone I could build an empire. There are so many opportunities to grow and become an insurance empire.

I recommend when looking for insurance to go with an independent agent. They have more freedom and more opportunity to transfer your premium as well as the commissions in most cases are in stead of 10% are 15% percent usually.


Just some thoughts.


Eric Burkholz

One of the best places to visit has to be Italy. Why? There is so much European history, the Colleseum , the city of Nero, unbelievable places like Venice. It's amazing. The sanitation isn't quite up to par with what I have seen however, It's quite the location and really amazing place to go. 

I really would love to be there a couplet times in my life. 

The other place I would recommend everyone visits at least once in their life is Hawaii . It's truly a traveler's paradise. There are other places that could be considered more beautiful in terms of location and water color and sunsets, however Hawaii is so classic and iconic that it doesn't seem to come close. 

Some of the best car insurance for liability, coverage and overall completeness in it's scope is the Burkholz Insurance Agency in Las Vegas NV . They have car insurance quotes that are much cheaper than your average rate and they are able to provide you with rental reimbursement, transportation expense and keep costs low even if you have an SR22 or a DUI . They have carriers like Progressive, Geico and other companies that really keep the costs low for their customers. 

Insurance Isn't easy

Insurance is a tough business, not only do you need to be extremely knowledgeable about what's current in the industry, you need to help it apply to the customer so they have a working moving knowledge as well while still maintaining your customers loyalty and  commitment to you. If you do one thing to screw that up it can mean your customer goes shopping. So you always need to provide explanations as to why something is the way it is, but it also needs to satisfy the customer and they need to feel you've worked sufficiently hard on this to where they can stay ok, you've done a good job on this and it's not worth me leaving over a few bucks. I want to stay with you since you've worked so hard on this.

That's hard in today's day and age.

I really like it though because I feel I've done a good job for someone at the end of the day. Like you helped them.

I also like seeing my business grow.

I want to see other business grow as well, watching my income and skills and abilities get better is what I'm all about.

Eric Burkholz <rumenopti@gmail.com>	Wed, May 8, 5:03 PM (12 days ago)
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How long does it takes customers to get out of indemnity before they can get back to normal? 18 months. This also includes prior insurance from another company at a maximum of 6 months. Even if the customer has had insurance for 12 months Allstate only takes a maximum of 6 months of prior insurance to get out of indemnity. 


Also, For out of country or missionaries. Most of the time in Utah, if you set the driver as a non driver the missionary needs to have the address of the mission home on file in order to actually have coverage when he gets back with Allstate, or they won't take it as prior because Allstate didn't have on file the address of the location out of country. This is required in order to have the insurance coverage when he gets back.

When writing an auto policy with Allstate indemnity as well, for drivers who are indemnity (someone who's never had a license in the Country) don't need to show that they need prior insurance, they don't need to show that they intend to get their license, they don't need to have the license number on the policy, they're MVR is waived and it's written as indemnity. If it's not indemnity you need at least five years documentation of prior driving, they need a primary policy ect. So it's a really long process. But it sometimes is worth it to pay the 50% minimum down to get the indemnity if the down payment isn't that much. ​​​

How do you swing a golf club?

How do you swing a golf club?


There are lots of theories and ideas about swinging the golf club. I wouldn't by any stretch of the word that I am an expert. At my best I was a 4 handicap golfer, and worked harder than I can remember to get better at this. I tried everyday because I loved it more than anything. But my best rounds have been in the sixties which were pretty good.

I am going to try and teach you how to swing the golf club.

First your stance.

Stance:
Your shoulders should be perpendicular to your target and there should be a parallel line to your target with your two shoulders, the same goes with your feet and you should be able to feel like you're in an athletic stance, knees slightly bent and butt down slightly with your back straight hanging over your knees so it looks like your hands are hanging down somewhat over your knees.

Grip:
Once you have established your stance, you then can move to your grip. I use the Var-don Grip which is what 90+% of golfers use. This is effective especially keeping your club in control through impact. You're able to get a good should turn. This allows your club to naturally come through while creating good club rotation. For more information on the Var-don Grip search how to do the Var-don Grip in google.

Body Movement:
What your body should be doing at this stage is first take the club back with your arms allowing your club to go straight back so as to maintain the butt of the club pointing toward your target when the club gets perpendicular to the ground. So when your club gets to perpendicular to the ground your butt club... New word. Should be facing the target. When this gets to this point, you should maintain your firm but relaxed grip and your arms and shoulders are driving the club back very naturally, almost like a putt movement. Not too fast to whip the club but a solid shoulder turn will get this result.

Hip and Should movement.
Some players like John Daley and Phil Micleson have such a large shoulder turn that their clubs go so far past parallel while others like Toni Finau don't even get close to parallel and still have some of the largest drives on the PGA tour. What your club is trying to create is lag. It doesn't necessarily matter if you go past parallel, but it needs to allow you create torque enough to get lag on your club so as to create club and then ball speed. You do this right when your butt club gets to the target, you then make a simultaneous shoulder and hip turn until you're comfortable then you start your down swing toward your target.

Downswing
On your down swing once you've created the torque using your shoulders and hips and extended arm almost like an extension of your arms, like you have two clubs, you're arms and the clubs. Well when you get to the top of your swing, leading slightly with your hips you form your down swing which created the torque you need to generate the speed you need to line up with the same line you created on your back swing, Your club should lag behind your body on the down swing or you're not generating enough torque in order to get your club to swing through fast enough. You're arm strength alone won't get your club to come through faster. It's your turn and ability to get the club to torque.

Follow Through

Once your club squares up at impact and connects that shoots or propels your ball, it isn't enough to stop there, you need to continue to drive the club through impact which makes the torque you need. Your follow through is just as important as your back swing because it means that you fully swung the club. You're not going to get there without the Follow through. Make sure that's done right. As you drive your club through you should point your toe of the club up to the air at parallel. Just like your butt of your club was pointing to the back, so to the club at follow through at parallel should be pointing up. 

Well that's really all I have right now, I am going to peace out.

Why I chose to go into insurance

First my family is an insurance family. My grandpa owned an Allstate insurance agency in Salt Lake City, UT for many years of which he had a $1,000,000 book of business, upon which my dad bought his agency and grew it to several million dollar book of business. I am now working with my dad to formulate a deal to get an independent insurance agency and attempting to make it in Las Vegas as well as various sites throughout Utah.


I am learning a lot about SEO in this process how important trust and citation flow is in the back linking process. People think that back linking isn't that important to a site but it's so important along with content, key words for the H1 tag, GMB photos, citations listing you as a legitimate business and so on. Also the more spread out your key words are the better, they provide stronger trust due to the natural flow of the back links that appear to your site. If you have the same link or word linking to your site it will appear fake and have no validity and google will pick up on that. It's important to provide the top quality and best back link and flow to your site through pages you yourself create. Content rich and powerful juice that will make your page look very attractive to google search engines. It will be impossible not to rank in google.

I love doing this. It's something I have had success with with two sites so far and now this las vegas site I am working on and it's slowing building, I need to continue to work on my H1 tags for this site as well as backlinkinks reveiws and citations. 

This will take time. Since it's Las Vegas it may take 6-10 months or more. But the key is to be consistent and to continue to look for an agency for sale.

Well I am going to create some links with this post but I believe there's some good trust flow with this site so it should help out.



Until Another Post



Eric Burkholz

how to communicate with loved ones during a disaster

When a disaster strikes, it can often be difficult to communicate with loved ones. Hurricanes, tornadoes and other emergencies may cause power outages or overwhelm cellular services, sometimes making normal lines of communication nearly impossible. But by planning ahead and following these tips, you can help maintain connection with friends and family in an emergency:

Before a Disaster Strikes

The Federal Communications Commission (FCC) offers suggestions on how to prepare to communicate before an emergency occurs:

Keep a Corded Phone at Home

If you have a landline at home, identify whether it’s connected traditionally or through a broadband connection (also known as VoIP). Traditional landlines typically work even if the power goes out, with one caveat: Is the phone connected or cordless? Make sure you have at least one corded phone connected. In the event of a power outage, your cordless model, which requires electricity, may not work.

Have Car Chargers Handy

Get in the habit of keeping your cellphone and laptop fully charged, and have a car charger available in the event of a power outage. Consider buying additional batteries and solar or hand-powered chargers for your devices.

Make an Emergency Contact List

Having a paper copy of essential contacts on hand will allow you to reference them even if your smartphone dies. Start by collecting phone numbers and email addresses for everyone in your household. The FCC also recommends you gather phone numbers for emergency services, utilities, medical offices, veterinarians and your insurance companies. Once your contact lists are completed, be sure every member of your family has one.

In addition, identify a few contacts as “In Case of Emergency,” or ICE, in your phone’s contact list, the FCC advises. This will help emergency responders determine whom to contact should they need to assist you.

Create an Emergency Plan

Because you and your loved ones may be separated when disaster strikes, make sure to develop a plan specific to your family. For example, select accommodations that are accessible for any family members with disabilities, as well as your pets, if you have them.

Ready.gov recommends choosing an emergency meeting place that’s in your neighborhood, and one that’s out of your neighborhood. Your plan should also detail how you will contact each other. For instance, designate an out-of-town contact for everyone to notify that they’re safe, or set an “on air” time where you’ll each power up your phones and call or text with your status. It’s also a good idea to work with your children’s school or daycare to understand their emergency communication procedures.

During and After a Disaster

There are also some steps you can take to improve the likelihood of communicating successfully with loved ones in the immediate aftermath:

Text and Use Social Media

Cell service can become congested during an emergency. Instead, try text messaging or emailing, which, the FCC says, are services that are less likely to experience network congestion. Also, consider posting your status on social media or registering on the American Red Cross’ Safe and Well website, so that loved ones who may be searching for you know that you’re OK.

Forward Your Home Phone

If you have a landline and call-forwarding at home, the FCC suggests forwarding your home phone number to your cellphone if you’ll be away, or if conditions warrant an evacuation.

Conserve Your Phone’s Battery Life

You can extend the life of your cellphone battery charge by reducing the brightness of your screen, turning off Wi-Fi and closing apps that aren’t critical. Additionally, if you’re able to make a call, consider updating your voicemail message so that, even if inbound calls go to voicemail, you’re able to offer loved ones an update on your well-being.

By taking these steps to prepare and practicing these tips, you can help ensure you and your family stay informed throughout an emergency.

Originally published on May 10, 2018.

NBA 2019 Playoff Predictions

After 4 or so games into the 2019 NBA playoffs these are looking pretty predictable.

Did anyone think that the Warriors would lose this fight? It's nearly impossible for them to lose this series... At least this year. At this point there's almost a 99% they will win the whole think in my mind, but either the Celtics or the Bucks would really need to have an unbelievable series in order really come out on top.

Eric Bledsoe and Giannis and Chris Middleton are not enough firepower against Stephen Curry, Klay Thopson, Kevin Durant not to mention Iguadala and Green. Same goes for the Celtics. They have some fire power and playoff and championship experience in Kyrie Irving, but just not enough experience and playoff experience and overall dominance that the Warriors carry. It's nearly impossible to see this come out this year. However the the Rockets have some games that they are able to really able to show up and have some serious firepower. But at least at this moment and this year it's not looking like there's any hope or chance to have this series not go to the Warriors. I can see Harden leading a team to the championship with Clint Capela and a little more team work and just a dynasty. But it looks too much like Harden is all about Harden than for the team to win a championship. The same goes for the Thunder. The Spurs are too quiet and not enough star players, The Trail Blazers have Damion Lillard who just isn't enough to carry a team to the finals and really win on his own and the Nuggets have Jokic but he's really just a post up player with no other real go to players he can count on that will give him an out when he gets in trouble or to carry the team when he gets tired. It's not a "sypmphony" in action like the Warriors put together in the playoffs. The 76'ers have some serious players in Embiid and the Rookie of the Year 2018 but he's not a shoot which is what it will take to go up against the warriors. The Warriors have truly change the meaning of empire and are so dominant in the 3 point game. They have developed the shot that is new in the league that hasn't been seen in a way that others are able to quite keep up with. It's new it's fresh and it is tough to duplicate unless you have the skill that Klay, Steph and Durrant Carry.

Any way those are my thoughts. I believe this will be another Golden State Victory hands down and unless Durant gets traded to the Lakers with Empidd and Lebron they will do it again next year.

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