Personal Protection From Crime
According to the U.S. Department of Justice Bureau of Statistics, property crime makes up slightly more than three-quarters of all crime in the United States. Not only that, in about 84% of all burglaries, the offender gained entry into the victims residence or other building on the property. And today, crime extends far beyond the doors of your home. The U.S. Postal Service recently reported ten million incidents of identity theft in the United States.
In this issue of the "Insurance Reporter," we focus on protecting yourself and your loved ones from burglary and crime. How can you feel empowered instead of frightened? How do you improve security at your home? Are guns in your household really the way to go? Read these stories and more to get some of the facts you need to make safety improvements in your life.
We appreciate your continued business and look forward to serving you.
Regards,
Karl D. Susman
Personal Protection From Crime
Safety Expert Shares Tips To Feel Empowered Instead Of Frightened
At some point in your life, you may run the risk of being a victim of crime.
Instead of feeling frightened, however, safety expert Tom Patire says you can feel empowered if you know how to protect yourself.
Patire’s newest book, "Personal Protection Handbook," is full of tips for protecting yourself and your family. When he wrote this book, he went right to the source, talking to people who were serving time. They all told him, "We didn’t choose the victims, they chose themselves."
Patire tells The Early Show co-anchor Rene Syler, "The bad guy is standing in the wings looking around and sees the person on the cell phone looking at the ground or the air and they become an easy mark. Most people will park their car real quick and rush to the store and forget where they parked their car and wander loosely around out there and who comes? The bad guy."
How to Protect Your Home From Burglars
Get Tips on Making Your House Safer When Thieves Come to Call
Ridgewood, N.J., schoolteacher Noreen Clark was sure her home was safe from an intruder invasion. The daughter of a retired police officer thought a security system she had installed when she purchased her home last December would prevent burglary.
She also changed all the locks, and if that didn’t work, there was always her golden retriever Jack.
"I feel very secure here. I feel that, on a scale of one to 10, I’m close to a nine or a 10," Clark said.
She was so confident that she agreed to let "Good Morning America’s" safety and security expert Bill Stanton come out and audit her home.
Nowadays, Crime Prevention and Technology Are Often Interwoven 
It didn’t take long for video images of the crash of the US Airways plane in the Hudson River to be available everywhere. The crash was recorded by a security camera, one of the most prevalent uses of technology in crime prevention. Moreover, a recent article in Parade magazine stated that Las Vegas was the best place in the country to have a heart attack, with a 67 percent survival rate. The remarkable rate was attributed to the vast amount of human and electronic security present in Las Vegas casinos and on Las Vegas streets. The Parade article also stated that the survival rate in Chicago, where there are no casinos, is just 2 percent. Technology has changed our world.
Identity Theft 
According to the U.S. Postal Service, there were almost ten million incidents of identity theft in the United States in 2004 at a cost of $5 billion to consumers.
Victims report spending 30 hours, on average, cleaning up after an identity crime at an average cost of $500.
It’s in the newspapers every day and on the news every night. People worry that someone will run up charges on their credit card or fleece their bank account while their back is turned. There is reason to worry. All a thief needs is your Social Security number to commit identity theft. This crime is relatively easy to commit, but investigating and prosecuting it is complex and time-consuming. But once you know the facts and some preventive measures you can take, you can win the fight against identity theft!
Lethal Weapons In The Home
Picture this. It’s late at night and you hear a noise at the back door or a window inside your home. You get up to investigate and find an intruder breaking into your home. What would you do?
The first answer is to call the police, but in the time it takes for them to arrive, a criminal may harm you or your family. Chances are the home invader will be armed with a knife or a gun, so the job of defender may be left entirely up to you.
Owning A Gun
While it’s always wise to do everything you can to safeguard your home from a break in, if a criminal is intent on getting into your house, chances are they will. This frightening concept causes home owners all over the country to purchase firearms and keep them easily accessible. Simply having the gun can make people feel safer, but if you own one it is vital to learn how to properly handle, maintain and fire the weapon.
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Health Insurance – update on fighting infection
Fighting Infection |
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Concern over the threat of infection often increases in the fall as the weather begins to change and school sessions begin. This month we pass along research findings, articles and tips to help keep you informed and your kids healthy. The best way to fight infection is to be aware of preventive measures and, whenever possible, get all available immunizations for yourself and your children. Whooping Cough Outbreak: Immunize for Protection Superbugs Invasion of the Microorganisms The information in this newsletter is not intended to be a substitute for professional medical advice. Please consult your healthcare provider with any concerns you may have. Thanks to Blue Shield for this helpful information! |
In this issue we focus on Pet Insurance
We all love our wonderful pets, but what liability issues arise when they are under your control. When you consider that dog bites account for one-third of all homeowners insurance liability claims, costing $387.20 million in 2008, up 8.70 percent from 2007, understanding how you are liable becomes an important issue. Read about the three kinds of law that impose liability on owners. Find out which dog breeds insurance companies frown upon. Learn how to live with your pet in harmony, even if you’re allergic to them, and much more.
State Facts: Are You Legally Liable for Your Dog?
According to the Centers for Disease Control and Prevention, more than 4.7 million people are bitten by dogs annually, resulting in an estimated 800,000 injuries that require medical attention. With over 50 percent of the bites occurring on the dog owner’s property, the issue is a major source of concern for insurers.
Over the years, many states have passed laws with stiff penalties for owners of dogs that cause serious injuries or deaths. In about one-third of states, owners are “strictly liable” for their dogs’ behavior, while in the rest of the country they are liable only if they knew or should have known their dogs had a propensity to bite (known as the “one free bite” principle).
Pet Insurance: Companies Growl At Certain Dog Breeds
Rottweilers, Akitas, Dobermans — some are more likely to bite, but fans of those breeds say insurers are breed profiling
Those doe-eyed, tail-wagging pooches waiting for new homes may be as loyal as any dog lover could want. But anyone planning to adopt or purchase a dog should beware: Fido or Fifi could be a killer when it comes to homeowner liability insurance.
Based on the dog-bite claims they see, insurers feel that some breeds are a poor risk. It’s a trend that began about 10 years ago, at around the same time as statistics were released showing that pit bulls, Rottweilers and German shepherds were responsible for more than half the dog bite fatalities in the U.S. over a 19-year period. Despite opposition from consumers, many insurance companies still maintain a will-not-cover breed blacklist. The list varies from company to company, according to Loraine Lacey, president of Independent Insurance Agents and Brokers of Orange County, depending on each company’s experience.
Dog Bite Liability
Most dogs are friendly, loving members of the family, but even normally docile dogs may bite when they are frightened or when protecting their puppies, owners or food.
According to the Centers for Disease Control and Prevention (CDC), more than 4.7 million people are bitten by dogs annually, resulting in an estimated 800,000 injuries that require medical attention. More than 50 percent of dog bites occur on the dog owner’s property, and they account for one-third of all homeowners insurance liability claims.
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Allergies To Pets
Learn to live with your pet in harmony, even if you’re allergic to them
The benefits of having a pet usually outweigh the drawbacks of pet allergies for many people. You’d be surprised to know how many people, with non-life-threatening allergies, live with pets despite having allergies to them!
It’s not you, it’s me
Any and all cats and dogs may cause reactions for people who are allergic to animals. Cats tend to cause more reactions than dogs for allergic people, although some people are more sensitive to dogs than cats. Contrary to popular belief, there are no “non-allergenic” breeds of dogs or cats; even hairless breeds may cause symptoms.
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In this issue of the “Insurance Reporter,” we focus on Disability Insurance
Disability insurance pays an insured individual an income when they are unable to work because of an accident or illness.
If becoming disabled seems unlikely, the odds may surprise you. Roughly 3 in 10 Americans will suffer a disability lasting 3 months or longer before the age of 65. Nearly 1 in 5 Americans will be disabled for one year or more during their working years. And, for many, a sudden interruption in their income could have serious financial consequences.
Read on to understand the different types of disability insurance, how they protect you, ten key things to look for when you’re shopping for disability insurance, and more.
We appreciate your continued business and look forward to serving you.
How Can I Insure Against Loss Of Income?
If you were disabled and unable to work as a result of an accident or illness, what would you and your family do for income?
Disability income insurance, which complements health insurance, can replace lost income. Forty-three percent of all people age 40 will have a long-term (lasting 90 days or more) disability event by age 65.
There are three basic ways to replace income:
- Employer-paid disability insurance
- This is required in most states. Most employers provide some short-term sick leave. Many larger employers provide long-term disability coverage as well, typically with benefits of up to 60 percent of salary lasting from five years to age 65, and in some cases extended for life.
- Individual disability income insurance policies. Other limited replacement income is available for workers under some circumstances from workers compensation (if the injury or illness is job-related), auto insurance (if disability results from an auto accident) and the Department of Veterans Affairs.
What Are The Types Of Disability Insurance?
There are two types of disability policies: Short-Term Disability (STD) and Long-Term Disability (LTD):
1. Short-Term Disability policies (STD) have a waiting period of 0 to 14 days with a maximum benefit period of no longer than two years.
2. Long-Term Disability policies (LTD) have a waiting period of several weeks to several months with a maximum benefit period ranging from a few years to the rest of your life.
10 Key Things To Look For When You Shop Around
1. The definition of disability. Some policies pay benefits if you are unable to perform the customary duties of your own occupation. Others pay only if you are unable to perform any job suitable for your education and experience. Some policies define disability in terms of your own occupation for an initial period of two or three years and then continue to pay benefits only if you are unable to perform any occupation. “Own occupation” policies are more desirable, but more expensive.
2. Benefit period.The benefit period is the amount of time you will receive monthly benefits during your life. Experts usually recommend that the policy you buy pay you benefits until at least age 65, at which point Social Security disability will take over. If you are young, you may consider buying a policy offering lifetime benefits because it will still be relatively inexpensive.
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An Employer’s Guide to Disability Insurance
Many Baby Boomers Incorrectly Believe they Are Protected Against the Risk of Disability
In this issue of the “Insurance Reporter,” we’re focusing on travel insurance
With airlines regularly going out of business, the cost of vacations and out of country medical care skyrocketing, you just have to consider getting travel insurance. It can cover anything from an airline or cruise line that goes out of business, the loss of your personal belongings, or a medical emergency in a faraway place like Bali.
Read the four reasons why you need travel insurance; ask yourself whether you should obtain travel insurance from the travel vendors themselves. Get travel tips to help you avoid serious difficulties during your overseas travel, and more.
We appreciate your continued business and look forward to serving you.
Four Reasons Why You Need Travel Insurance
Trip Cancellation
This would reimburse you if the airline or tour operator goes out of business. It would also provide coverage if you have to cancel the trip due to sickness, a death in the family or another calamity listed in the policy.
In addition, if you or an immediate family member becomes seriously ill or is injured during the trip most policies would reimburse you for the unused portion of the vacation.
Baggage Insurance/Personal Effects
This would provide coverage if your personal belongings are lost, stolen or damaged during the trip.
To insure $1,000 worth of personal belongings for a week, it would cost roughly $50 per year.
Before purchasing this type of coverage, find out how much insurance the airline or trip operator provides for your belongings.
Emergency Medical Assistance
This provides insurance and medical assistance for travelers. It would cover you if you had to be airlifted off a mountain due to a skiing or hiking accident, or if you had to stay for a prolonged period of time in a foreign hospital. It would also provide coverage if you got seriously sick or were injured and needed to be flown home.
My Airline Offers Travel Insurance – Why Should I Buy it From You?
Many travel vendors (tour companies and cruise lines) offer their own protection plans and these plans may provide very different coverage than offered through third party insurance companies. In most cases, supplier-provided coverage won’t cover you in the event they go bankrupt. When considering a supplier protection plan, you should carefully compare the coverage with third-party travel insurance products.
How much does travel insurance cost?
The cost of travel insurance varies from company and policy to policy. The more you have invested in your trip, the more you need to protect it. Travel insurance covers you for losses caused by trip cancellation and interruption, medical expenses, baggage, trip and baggage delay. When you consider all the protection you get, travel insurance is actually a great value.
Who should buy travel insurance?
Travelers who want to protect their travel investment should consider purchasing travel insurance. If an illness, accident or sudden change in plans forces you to cancel or interrupt travel plans, you face two major financial losses – money you’ve invested in nonrefundable prepayments, and medical expenses that aren’t covered by your health insurance
A Safe Trip Abroad
When you travel abroad, the odds are in your favor that you will have a safe and incident-free trip. Travelers are, however, sometimes victimized by crime and violence, or experience unexpected difficulties. No one is better able to tell you this than the U.S. consular officers who work in more than 250 U.S. embassies and consulates around the globe. Every day of the year, U.S. embassies and consulates receive calls from American citizens in distress.
Happily, most problems can be solved over the telephone or by a visit to the Consular Section of the nearest U.S. embassy or consulate. There are other occasions, however, when U.S. consular officers are called upon to help U.S. citizens who are in foreign hospitals or prisons, or to assist the families of U.S. citizens who have passed away overseas.
We have prepared the following travel tips to help you avoid serious difficulties during your overseas travel. We wish you a safe and wonderful journey
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In this issue of the Insurance Reporter, we focus on Life Insurance
The basic premise of life insurance is that when you die, the death benefit to your survivors should be large enough so they enjoy the same living standard as they did while you were alive. This issue of the “Insurance Reporter” is focused upon how much life insurance you need to reach that objective.
Read on to understand why you should buy life insurance. How to choose the right amount of coverage. It’s easier when you think like an economist – and use our convenient online Life Insurance Needs Calculator to see just how much life insurance you need. Understand the principal types of life insurance and which one may be right for your needs, and much more.
The future of your loved ones is in your hands. Please contact us for a private discussion to review your next best steps.
Why Should I Buy Life Insurance?
Many financial experts consider life insurance to be the cornerstone of sound financial planning. It can be an important tool in the following situations:
2. Pay final expenses
How Much Life Insurance Do I Need?
In most cases, if you have no dependents and have enough money to pay your final expenses, you don’t need any life insurance.
If you want to create an inheritance or make a charitable contribution, buy enough life insurance to achieve those goals.
If you have dependents, buy enough life insurance so that, when combined with other sources of income, it will replace the income you now generate for them, plus enough to offset any additional expenses they will incur to replace services you provide (for a simple example, if you do your own taxes, the survivors might have to hire a professional tax preparer). Also, your family might need extra money to make some changes after you die. For example, they may want to relocate, or your spouse may need to go back to school to be in a better position to help support the family.
Scared To Death Of Life Insurance
Choosing the amount of coverage is hard. The trick is to think like an economist.
Life insurance may be the most badly purchased financial product. Some people, unwilling to face the thought of death, never buy coverage at all. Others feel guilty about the prospect of leaving loved ones behind and buy too much. Even those who put their emotions aside tend to fall back on oft-repeated and oft-wrong rules of thumb, such as buying a policy worth five times your annual salary.
Choosing the right amount of life insurance is no easy matter. Even most insurance agents and financial planners rely on rules of thumb or unsophisticated worksheets — or put the onus on clients to decide how much insurance to carry. Fortunately, understanding a few economic principles will go a long way toward helping you make a smart decision.
Life Insurance Needs Calculator
So, how much life insurance do you need? Well, the answer isn’t really how much life insurance you need… it’s how much investment capital your family will need at the time of your death. Their need for capital — on a gross basis — is really a function of two variables:
1. How much will be needed at death to meet immediate obligations?
2. How much future income is needed to sustain the household?
The first category is fairly easy to estimate. It’s the sum of final expenses (including uncovered medical costs, funeral expenses and final estate-settlement costs) and other lump-sum obligations (such as outstanding debts, mortgage balance, and college costs).
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What are the principal types of life insurance?
This issue of the Insurance Reporter is focused upon the financial protection
A serious illness or injury can harm more than your health…it can have an impact on your ability to work and meet your family’s living expenses. Sadly overlooked, long-term disability income insurance can help you pay living expenses while you are unable to work.
Read on for some tips on purchasing long-term disability insurance, use an online long-term, review the long-term care checklist, and much more.
Don’t wait to formulate a long-term plan for you or other family members. Please contact us for a private discussion to review your next best steps.
We appreciate your continued business and look forward to serving you.
Long Term Disability Income Insurance
Financial Protection for You & Your Family
A serious illness or injury can harm more than your health-it can have an impact on your ability to work and meet your family’s living expenses.
Long-term disability income insurance helps you pay living expenses while you are unable to work.
It offers paycheck protection providing cash directly to you for spending on mortgage payments or rent, groceries, utility bills, car payments, or whatever else you choose. A policy also can pay for training or other assistance you may need to return to work.
Tips On Purchasing
Examine how the policy defines a disability. Some policies pay benefits if you are unable to complete the duties of any occupation for which you are reasonably qualified by training, experience, and education. Others pay benefits if you are unable to perform the major duties of your own occupation. Some policies also pay benefits if you become ill or injured and are unable to earn a specified percentage of your income.
Ask for outlines of coverage so you can compare the features of several policies. Make sure you fully understand any policy you are considering-a policy that does not provide the protection you need is not a good buy. Features to look for in a policy include:
Disability, The Insurance That Is Often Sadly Overlooked
It took just 17 days for Cindy Wrenn to realize that her disability insurance premium was not just another drain on her checking account. One-third of American workers are likely to be disabled for an extended period, and she became one of them when she had a stroke and brain aneurysm at age 28.
Mrs. Wrenn signed up for her long-term disability insurance policy in February 2002, as a supplement to the one she had through her job as a licensed title agent. After her medical emergency, the policies paid 70 percent of her salary for the six months it took her to get back to work full time.
Long-Term Care Planning Tool
Welcome to the Long-Term Care Planning tool. The primary goal of this tool is to help you understand:
- What long-term care services are available,
- How much you can expect to pay for long-term care, and
- What financing options are available to support your long-term care costs.
The results of the Long-Term Care Planning tool are general in nature and not intended to replace comprehensive financial and other long-term personal planning.
This tool will ask between twelve and twenty questions and will then provide you with the long-term care results you need by comparing your answers to those of individuals with similar profiles.
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In this issue of the Insurance Reporter we focus on health care reform
So, health care reform is finally here, however, real change is going to happen slowly. In fact, the real transformation of America’s health insurance system won’t take place until 2014, when four major changes will happen simultaneously:
1. Insurers will be required to take all applicants; 2. States will set up new insurance supermarkets for small businesses and people buying their own coverage; 3. Most Americans will be required to carry health insurance, and;
4. Tax credits to help pay for premiums will start flowing to middle-class working families, and Medicaid will be expanded to cover more low income people.
There’s a lot to understand, so read on for a quick overview of the present day facts and feel free connect with us if you want some clarification as to how it affects your health insurance.
The President’s Proposal
The President’s Proposal puts American families and small business owners in control of their own health care.
Over the past year the House and the Senate have been working on an effort to provide health insurance reform that lowers costs, guarantees choices, and enhances quality health care for all Americans. Building on that year-long effort, the President has put forth a proposal that incorporates the work the House and the Senate have done and adds additional ideas from Republican members of Congress. The President has long said he is open to any good ideas for reforming our health care system, and the final proposal includes the best ideas from both sides of the aisle offered in the course of the debate, including some from the day-long bipartisan meeting held in February of 2010. The proposal posted here reflects the version that is being vote on in Congress.
What Will The President’s Proposal Mean For You?
Take a few minutes to find out what health insurance reform would mean for you and your family. To begin, select which one describes your situation:
Key Provisions Of The President’s Health Care Bill
The President’s Bill puts American families and small business owners in control of their own health care.
It makes insurance more affordable by providing the largest middle class tax cut for health care in history, reducing premium costs for tens of millions of families and small business owners who are priced out of coverage today. This helps over 32 million Americans afford health care who do not get it today – and makes coverage more affordable for many more. Under the plan, 95% of Americans will be insured.
It sets up a new competitive health insurance market giving tens of millions of Americans the same choices of insurance that members of Congress will have.
It brings greater accountability to health care by laying out commonsense rules of the road to keep premiums down and prevent insurance industry abuses and denial of care.
It will end discrimination against Americans with pre-existing conditions.
It puts our budget and economy on a more stable path by reducing the deficit by more than $100 billion over the next ten years – and more than $1 trillion over the second decade – by cutting government overspending and reining in waste, fraud and abuse.
Health Insurance Reform & Your State
Click on this map to see the report on the current status of health care and the benefit of reform.
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The White House Blog: Health Care
H.R. 3590 – Patient Protection and Affordable Care Act as passed in the Senate
H.R. 4872 – Health Care and Education Affordability Reconciliation Act of 2010
Life is one of the cornerstones of financial planning
In this issue of the “Insurance Reporter,” we explain the principal types of life insurance and why you should choose one type of product over another. We also put forward the benefits of whole life insurance in these challenging economic times. It is now out-performing the stock market much of the time in the cash value it builds, not to mention the simultaneous benefit of protecting one’s family. Read the six reasons why you need life insurance, get some help in determining how much life insurance you really need, and more.
What Are The Principal Types Of Life Insurance?
There are two major types of life insurance-term and whole life. Whole life is sometimes called permanent life insurance, and it encompasses several subcategories, including traditional whole life, universal life, variable life and variable universal life. In 2003, about 6.4 million individual life insurance policies bought were term and about 7.1 million were whole life.
Life insurance products for groups are different from life insurance sold to individuals. The information below focuses on life insurance sold to individuals.
How Should I Choose What Type Of Life Insurance To Buy?
You should consider term life insurance if:
- You need life insurance for a specific period of time. Term life insurance enables you to match the length of the term policy to the length of the need. For example, if you have young children and want to ensure that there will be funds to pay for their college education, you might buy 20-year term life insurance. Or if you want the insurance to repay a debt that will be paid off in a specified time period, buy a term policy for that period.
You should consider permanent life insurance if:
- You need life insurance for as long as you live. A permanent policy pays a death benefit whether you die tomorrow or live to be 100.
- You want to accumulate a savings element that will grow on a tax-deferred basis and could be a source of borrowed funds for a variety of purposes. The savings element can be used to pay premiums to keep the life insurance in force if you can’t pay them otherwise, or it can be used for any other purpose you choose. You can borrow these funds even if your credit is shaky. The death benefit is collateral for the loan, and if you die before it’s repaid, the insurance company collects what is due the company before determining what’s goes to your beneficiary.
The Benefits Of ”Whole Life Insurance” In This Economy
With the unemployment rate topping 8.5 percent, and with more layoffs and job cuts still expected, many households are forced to create a strict budget, even as their debts continue to rise. People are definitely more worried than ever about their financial well-being, and, if they are also worried about the financial well-being of their family, they should invest in whole life insurance; a life insurance policy that pays their loved ones after their untimely death, with some added benefits.
Even if you are retired or feel strongly that your income stream is safe, you might want to consider in these times of volatile stock and bond markets some stable long-term savings options found in many insurance plans. Here’s why:
A whole life policy can act as a buffer against estate taxes and probate costs and provides a death benefit along with a living cash benefit-a unique feature. In addition, a whole life policy allows someone at the time of retirement to remain insured while spending the other assets they’ve accumulated or pursuing a more aggressive investment strategy for those assets.
Today we focus on whether you really need car rental insurance
It’s a question we’ve all faced when renting a car: should you pay for rent-a-car insurance? Read the informative article from the Insurance Information Institute, entitled “Do I Need Separate Rental Car Insurance?” To find out, they suggest you make two phone calls-one to your insurance agent or company representative and another to the credit card company you will be using to pay for the rental car. As we often rent cars when vacationing, you should also take a look at the Car Rental Travel Tip Video, read about renting a car in Europe…and more.
Do I Need Separate Rental Car Insurance?
Properly insuring a rental car can be confusing, frustrating and downright daunting. Unfortunately, many consumers do not even think about car rental insurance until they get to the counter, which can result in costly mistakes-either wasting money by purchasing unnecessary coverage or having dangerous gaps in coverage.
Before renting a car, the I.I.I. suggests that you make two phone calls-one to your insurance agent or company representative and another to the credit card company you will be using to pay for the rental car.
- Insurance Company
Should You Pay For Rent-a-Car Insurance?
Ever feel pressured to pay for insurance when you rent a car? Experts say you may already be covered by your existing insurance policy or major credit card. You might already be covered, experts say, so do your homework
Q: Does it make sense to purchase insurance when I rent a car, or am I already covered?
A: With so many options at the car rental counter, it may be tempting to buy whatever insurance protection is available to safeguard your trip. But many travelers don’t realize they’re more than likely duplicating coverage they already have. Not only does a driver’s insurance policy protect against theft or damages to a rental vehicle, but often so does a major credit card used to pay the rental fee.
Car Rental Travel Tip Video
Should You Say Yes To Rental Car Insurance? It Depends
Frequent business traveler James Smith says he’s saved “tons of money” during the past 30 years declining car rental companies’ optional insurance coverage. But, he acknowledges, it could have come in handy at times.
Smith, an economist in Asheville, N.C., has paid $1,100 for damages to three rental cars in the past five years. Last year, a valet damaged his rental car in Maui, and his parked rental car was scraped in Buford, Ga. In 2002, he backed a car into a rock in Ireland.
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