Monthly Archives: December 2013

Changes coming for 2014 you need to know

happy new yearThere are a few changes we have mentioned in the past, but feel they are worth repeating for the upcoming New Year.

Fines will increase for distracted driving:

There are also stiffer penalties when it comes to distracted driving. Anyone caught using a cellphone while driving will have to pay $150 for the first offense, $300 for the second and $500 after that.

Fines for not removing snow from your vehicle:

A new law now requires all cars, trucks and commercial vehicles to clear off snow and ice from their roof. Most of us have been behind the wheel when a large chunk of snow or ice flies off while driving on the state’s roads and highways, and now people who don’t remove it prior to that will face a fine of $120, and if anyone is hurt you’ll pay up to 10 times that amount.

Minimum wage:

The new year will also see a bump in the state minimum wage when it goes up to $8.70.

Registration of Assault Weapons:

If you haven’t registered yet, Tuesday is the last day and you have until 3 p.m. to do so. Residents can also mail in the forms by midnight.

We hope you all have a safe and wonderful New Year’s.  If you are heading out tonight to enjoy New Year’s with friends and relatives, be sure to be responsible and Don’t Drink and Drive.

Happy New Year’s

Penny Hanley & Howley Insurance

Happy New Year’s: Don’t Drink and Drive

don't drink and driveWell, 2013 is almost done. With the new year approaching many of us like to reflect on all that happened throughout the year.  We also take this time to think about what chances we would like to see for the coming year.

Many of us also look forward to New Year’s Eve parties with friends and family to welcome in the New Year. As we are all enjoying our New Year’s Eve parties we sometimes have a little too much fun.  Take the time before heading to your parties to make sure you have a designated driver.  If by chance you find yourself without a designated driver, there is another option.  AAA is offering Tipsy Tow.  You don’t have to be a AAA member.  This will be offered from 6pm-6am on New Year’s Eve/Day.  They will take you and your car home for FREE. Save this number….1-800-222-4357.

Remember never drink and drive or get into a vehicle with someone who has been drinking.

So make sure your New Year’s Eve party is a fun and safe time.

Happy New Year’s from Penny Hanley & Howley Insurance


Did Santa bring you new jewelry or fine arts for Christmas?

art and jewelry insuranceWere you extra good this year?  Did Santa bring you jewelry, fine arts or even new big kid toys?  Well if you were lucky enough to get one of these presents, then the next thing you need to consider is contacting your insurance agent to have these added to your insurance policy.

These wonderful gifts are important to you, it’s equally important to make sure they are properly insured as well.

To have proper insurance protection for your jewelry, fine arts and other valuables, there are several options for expanded coverage. A smaller collection can often be covered using a special floater endorsement on your home policy commonly referred to as scheduling. For larger collections or extremely valuable items you may want to consider a separate policy.

Because there are so many variables to protecting jewelry and fine arts, the key to knowing which coverage is best for you is having a trusted and knowledgeable insurance agent. Penny Hanley & Howley Insurance can help you with providing you the best options for protecting your valuables and jewelry.

Now if you were lucky enough to get a snowmobile or other recreational vehicle for Christmas, then you’ll want to make sure to give us a call with the information on your new toy so we can add this to your insurance policy as soon as possible.

Penny Hanley & Howley Insurance

Protecting YOU is our Job

Christmas Palooza

Well tomorrow is Christmas.  So instead of a boring insurance blog, we thought we would share some Christmas videos. Our partners at Renaissance shared these in their blog and we thought you’d enjoy them as well.  So be sure to check these out.

How to Say “Merry Christmas” in 24 Languages

10 Bizarre Christmas Traditions from Around the World.

Jingle Cat’s…this one is too funny.

We wish you a safe and happy Merry Christmas

Penny Hanley & Howley Insurance





2013 Recap

thank you2013 has turned out to be a great year for Penny Hanley & Howley Insurance.  We’ve had our ups and downs as most small businesses are experiencing in this economy.  As we spent the year stepping up our game online using social media we really have seen the difference.  We had a goal this year to engage more with our customers and providing them with value information throughout the year. Using both Facebook and our blog we are connecting with our customers more often.  We have seen an increase in the regular engagement from our customers with us. As we explained the importance of small businesses stepping up their game using social media in previous small business tip blogs, we’ve done the same ourselves.

Small businesses in this economy, regardless of the industry, can take full advantage of all that social media offers to them.  Small businesses will always encounter a challenge in growing and reaching their audience.  With a little patience, persistence and using the right tools any business now has the ability to increase their exposure online. When we dove in head first and gave social media and blogging 100% of our time, we nearly doubled our followers on Facebook and nearly tripled our followers on our blog.  Looking back from a year ago and seeing this much of an increase is astonishing to us. If an insurance company can do this, so can your business.

We hope you and your small business have been able to learn from our small business tips and have too seen an increase in business. We wanted to thank all our customers, Facebook followers and blog followers, new and existing for coming along with us on this adventure. We wish all of you a very Merry Christmas and a prosperous and healthy New Year.  Make 2014 all you can.  Phh staff1

Penny Hanley & Howley Insurance

Protecting YOU is our Job

Fatigue leading cause of motor vehicle accidents

fatigue drivingWith the Holidays approaching we all will be hitting the road to visit our families.  For many of us the travel is a long one. Those long drives can lead to fatigue. According to research fatigue is a significant factor in motor vehicle, commercial trucking and rail collisions.



  • Drowsy driving causes more than 100,000 motor vehicle crashes a year, resulting in 40,000 injuries and 1,550 deaths, according to National Highway Traffic Safety Administration research.
  • An AAA Traffic Safety Foundation survey found that one in four drivers have struggled to stay awake by driving. An estimated 17 percent of fatal crashes, 13 percent of crashes resulting in hospitalization and 7 percent of all crashes requiring a tow, involve a drowsy driver, according to a 2010 study by the AAA.
  • Driver-related factors such as fatigue were recorded for 34 percent of the drivers of large trucks in fatal collisions in 2010 according to the U.S. Department of Transportation (DOT).
  • Speeding was the top driver-related factor in crashes involving large trucks, followed by distraction/inattention, impairment (fatigue, alcohol, illness, etc.), failure to keep in proper lane and vision obscured, according to the DOT.
  • A 2013 study by the Federal Rail Administration found that fatigue greatly increases the chances of an accident in which human factors play a role, with the risk of such an accident rising from11 percent to 65 percent.

So when traveling this Holiday season be certain to take several breaks during your long travel.  Get out of the car, stretch and walk around. A 10 minute break could help you stay awake and prevent a potential accident due to fatigue. Getting to your destination is important, but getting their safely is more important.

Be safe in your Holiday Travels.

Penny Hanley & Howley Insurance

Protecting YOU is our Job