Mission Statement

"Our mission is to create peace of mind and build enduring relationships."

Bob Lancaster Insurance's mission statement is the core of our culture. Our customers always come first, and we strive to provide them with the products and service that best respond to their needs. Building trust and fostering loyal, long-lasting relationships are the essence of who we are and fundamental parts of our company values.

Putting our mission statement to work

Our employees work hard to connect with our customers on a very real and personal level. Find out what Bob Lancaster’s mission means to them and how they carry it out every day.

Bob Lancaster Insurance, serving Florida's insurance needs since 1964. Contact us today at 321-725-1620 - see what we can do for YOU and YOUR BUSINESS!

Thursday, February 23, 2017

6 COMMON REASONS REAL ESTATE AGENTS GET SUED



Buying a house is a very personal matter for both the buyer and the seller. Parties often rely on the expert help of a real estate professional in order to navigate the often confusing ins and outs of the process. What happens when that relationship turns sour? Consider the following.
A young couple is house hunting for their first house — in hopes of getting a fixer upper they can make their own. They purchase an updated property that showed no clear signs of termite damage. The house they purchased was advertised as a “handyman” special. After closing, the couple immediately started on repairs they expected to be mostly cosmetic. When remodeling the living room, they took down drywall and found prior termite damage. The couple filed suit against the sellers, the seller’s agent and their own agent for failing to disclose information.
That’s just one of many examples of situations in which real estate professionals can find themselves in hot water. Knowing the most common ways real estate agents get sued, and how to protect your clients from lawsuits is essential.
 Failing to disclose a property defect
If clients find defects in the property after signing the papers, they can be quick to blame the agent. Encourage your clients to perform a thorough inspection on each property and document every bit of damage.

Giving legal advice

Clients often expect that their real estate agent has the answer to every question they ask. On the same note, agents want to help their clients to the best of their ability. However, it is important to remember that most states consider it illegal for a real estate agent to give tax or legal advice.

Misleading clients

It’s natural for agents to want to make their property stand out from the crowd. Agents may feel the urge to exaggerate about certain features the house may have, or the condition of the property itself. Explain to your clients that they should not exaggerate about features or conditions of the house when selling the property.

Failing to keep your clients’ data safe

Hackers want personal information. If they get it — your client will be the one who pays. Install security software and keep paperwork in a secure place in order to avoid data breaches. Additionally, make sure to encrypt data and change your password frequently. 

Failing to recommend inspections

Buyers trust the opinion of a real estate professional, but often times there are things agents may not know about the property. Make sure your clients recommend that buyers get inspections before purchasing a property.

Bodily injury

If agents are found liable for an injury a client sustains at a showing, they will be responsible for reimbursing any accident-related costs. Before showings, make sure debris is picked up and any snow or ice is shoveled and melted.

That there are ways you can protect yourself from financial loss resulting from claims. Real estate professionals should be covered by an errors & omissions policy to protect themselves and their business. The experts at Bob Lancaster Insurance are here to help you find e&o coverage that fits your needs. Contact us today!
Contact us for all your Insurance needs! (321)725-1620 
Bob Lancaster Insurance
Serving Florida since 1964

Wednesday, January 4, 2017

Older Drivers Unlikely To Face Age Restrictions

By 2030, more than 60 million older adults could be driving on the nation's roadways. But don't expect many more states to put added restrictions on their ability to get behind the wheel.
Legislatures have become increasingly reluctant to restrict driver's licenses for seniors or impose extra requirements - such as vision or road tests - for getting them renewed based solely on their advancing age.
That's partly because older people are generally considered safe drivers, more programs exist to improve their driving skills, and recent studies have shown that many of the restrictions aren't as effective as once thought in preventing traffic fatalities. It's also because a politically powerful group of advocates for seniors and motorists, such as AARP and AAA, argue that age shouldn't be used as the sole measure of an older person's fitness to handle a car.
"We believe that driving is about the ability and health of the driver, not their age," said AARP spokeswoman Kristin S. Palmer. "We can't stereotype older drivers."
Jonathan Adkins, executive director of the Governors Highway Safety Association, which represents highway safety offices, said another reason many legislatures have not passed age-based restrictions lately is that society has changed the way it defines "old." Being 75 isn't what it used to be, because people are more active and live longer than previous generations.
"We just elected the oldest president ever," Adkins said, referring to Republican President-elect Donald Trump, who is 70.
Many states place some sort of restrictions on seniors when it comes to renewing their driver's licenses, whether it's requiring vision screening, making them renew their licenses more frequently, or demanding they show up in person at the Department of Motor Vehicles to renew their licenses. But most of the restrictions were approved at least several years ago.
In recent years, efforts to impose restrictions often failed. Legislatures in more than a dozen states considered legislation affecting older drivers in the last two years, but only a handful of bills passed, none of them controversial.
And some enabled more people to get licenses or gave them breaks based on their age. For instance, a measure in South Carolina allows people with certain vision problems to get or renew a license if they use a special device on their glasses. One in New Mexico lowered the eligibility age to 50 for drivers to qualify for reduced insurance rates if they take a driver's education course.
In contrast, Vermont lawmakers killed a bill that would have demanded drivers 65 and older pass vision and road tests in order to obtain or renew their license. Tennessee lawmakers killed one that would have required people 76 and older to take a vision test.
But the fact remains as people age, their vision, hearing and reflexes often deteriorate. And states are faced with trying to balance ensuring the safety of older drivers and others on the road with not discriminating against people just because they are getting older.
"Age should not be the issue. It should be your ability to handle the car and drive safely," said Jurek Grabowski, research director for the AAA Foundation for Traffic Safety, a nonprofit research and education group.
Patterns and Risks
The nation's senior population is projected to explode as 75 million baby boomers grow old. And traffic safety experts expect the number of at-risk drivers will also grow, as all indications are aging boomers who grew up behind the wheel want to continue to drive.
In the early 1970s, barely half of Americans 65 and older held a driver's license. Nowadays, 84 percent do. By many measures, they have a good driving safety record.
Seniors typically follow the rules and wear seat belts, observe the speed limit, and don't drink and drive, auto safety analysts say. Their crash rates have continued to drop over the years. And they are less likely than previous generations of seniors to be in a crash or to be killed or seriously injured in a crash because they're generally healthier and cars are safer.
But older drivers are at higher risk of crashing than middle-aged people because of declining vision, hearing and cognitive ability and medical conditions that could affect their driving. When they are involved in a crash, they are more likely to be injured or killed than drivers in other age groups.
"Usually, if someone dies, it's the older driver or their passengers, who tend to be older," said Jessica Cicchino, a vice president at the Insurance Institute for Highway Safety, a nonprofit research group funded by auto insurance companies.
In 2014, 5,709 people 65 and older were killed and about 221,000 were injured in crashes.
Older drivers also are more likely than younger ones to be involved in certain types of collisions, such as crashes at intersections or those caused by failing to yield, according to the Insurance Institute.
Good or Bad Policies?
States vary considerably in what they require of older drivers to renew a license.
Nineteen have shorter renewal periods for drivers over a certain age, according to the Insurance Institute. Eighteen demand more frequent vision screening. And 15 states that allow drivers to renew by mail or online don't offer that option to older drivers.
Illinois has one of the strictest renewal requirements of any state. Drivers 75 and older must take a road test to renew their license. It's the type of law that AAA opposes.
"Many states have bills introduced seeking that. We spend a lot of time combating it," said Jake Nelson, AAA's traffic safety director. "It's bad policy and it doesn't enhance safety at all."
Many age-based requirements haven't proven effective, studies have found.
Only two have been shown to reduce fatal crashes: making drivers 85 and over renew in person and requiring people in that age group to take a vision test in states that don't make them renew in person, said Cicchino of the Insurance Institute. Fatality rates for drivers 55 and older are no lower in states that mandate road or written tests or shortened renewal periods for older drivers, she said.
Some states, such as Alabama and Kentucky, impose no age-based requirements on older drivers. Others actually give them a break. Oklahoma, for example, reduces the license fee for drivers age 62 to 64 and waives it entirely for those 65 and older.
Some groups that oppose putting restrictions on older drivers based solely on their age endorse broader policies aimed at improving safety on the roads. AAA, for example, thinks all drivers should take a vision test when they renew, either at a DMV or at a doctor's office. And it views the renewal process as a good way for DMV staffers to observe drivers to see whether they may have physical or mental impairments that could affect their driving ability.
"This isn't about senior drivers, it's about detecting at-risk drivers," said Rich Romer, AAA's state relations manager.
For seniors who might be a danger on the roads because of certain physical or mental conditions, both AAA and AARP support the concept of medical advisory boards that set standards for state licensing agencies and assess at-risk drivers' ability to get behind the wheel. At least 38 states have set up some kind of advisory board.
"If you come to our attention and you should not be on the road, we have a process to get you off the road very fast," said Dr. Carl Soderstrom, the chief of Maryland's Medical Advisory Board. "The fact that we have taken the licenses away from thousands of very unsafe people over the years says the program is working."
A Matter of Independence
Driving is an important way for older adults to remain independent and mobile, experts on aging say. Without a car, they can grow isolated and depressed, and their physical and mental health can deteriorate.
Instead of driving themselves, some may turn to taxis or ride-hailing companies such as Uber and Lyft, or eventually, self-driving cars. Others may rely on volunteer driver programs or public transit.
"We want to get away from the idea of taking away mom and dad's keys and focus on other alternatives to keep them mobile," said Adkins, of the governors' highway safety group. "But you also don't want to take away their mobility and independence if they could be driving safely."
AAA and AARP have created driver refresher classes for older adults to help them stay safe on the roads.
AARP's "Smart Driver Course," offered in classrooms or online, teaches strategies for reducing the likelihood of a crash and making adjustments to compensate for the effects aging may have on driving. The group runs about 30,000 courses a year and trains about half a million drivers, said Palmer, the group's spokeswoman.
At least 34 states plus Washington, D.C., have passed laws allowing auto insurance companies to provide a premium discount to seniors who complete a state-approved driver safety course in a classroom.
A number of advanced technologies, such as collision warning systems and rearview cameras, also can help seniors drive safely for a longer period of time, a 2015 AAA Foundation report found.
But all the bells and whistles on new cars can be a distraction for some older drivers.
That's why auto safety groups also recommend that transportation agencies take action on their own, by making letters on road signs larger, making pavement markings more visible, and adding left-turn lanes and signals at intersections. Another possibility: reconfiguring intersections as roundabouts, which reduce speeds and eliminate the complexities of turning at intersections.
"These are simple fixes to the roadways that states actually can make that can prevent older drivers' deadliest crashes," said the Insurance Institute's Cicchino.
Contact us for all your Insurance needs! (321)725-1620 
Bob Lancaster Insurance

Serving Florida since 1964