In years past, most people had their insurance through their employers and didn’t really have to think about it too much.  But now that the economy has worn on all business, especially small businesses, we have seen many of our clients and friends laid off from their jobs, been forced to retire and even some employers questioning whether they can afford to continue to provide benefits to their employees.

These are scary times for the laid off worker or the employee whose employers can no longer offer them group medical insurance. Fogle Insurance Group offers experts in the field of group and individual medical, dental and life benefits. Also specializing in Medicare Supplement, Medicare Advantage and Medicare Rx coverage, we promise to work with you every step of the way to help you find a suitable plan for you and your family.

So should find yourself in this position, do not hesitate to contact us. Our agents will assist in providing plans and quotes from different insurance companies, walk you through the application and enrollment process and then, we’ll be here to answer any questions you may have after the policy is in force. Just give us a call and let Fogle Insurance help you through the confusion and uncertainty of this chapter in your life.

Special Interest

By Deb Hanson

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It can happen in an instant. You take your eyes off the road for what feels like a millisecond then BAM everything goes black. OK, this might be worst case scenario, but something to think about when we pick up our phone to answer a text we just received while driving. Unfortunately, texting and driving has become almost the norm. According to a July 2007 survey of 1,000 teens conduct­ed by AAA, 46 percent text while driving.  Conjunctively a study by Virginia Tech Driving Institute revealed that those who resort to texting while driving are 23 time more likely to meet with an accident.

As a text-messaging driver, that’s all it takes. A few seconds of seemingly innocent distraction to type out a few simple letters. A decision that can leave you filled with regret and everlasting consequences.

Skybrook resident Shawn Fogle Prin­cipi and her family are owners of Fogle Insurance Group of Huntersville and they are making it their mission to teach high school students to learn this lesson before tragedy strikes. Fogle Insurance,  in partnership with Auto Owners Insur­ance and in cooperation with Charlotte Mecklenburg Schools, is marketing a “W82TXT”campaign to deliver directly to local driver’s education students.

The featured presenter of the campaign is Michele Fogle-Sizemore, sister to Shawn, and the insurance company’s director of group benefits/marketing. But all the Fogles at me family-run firm, including President George D. Fogle and Vice Presidents Shawn Fogle Principi and Doug Fogle, have united in this team effort to help future drivers understand the ramifications of texting while driving.

“The goal is to catch the young drivers before they develop the habit,” Fogle-Sizemore says. “The kids seem to be tak­ing an interest and I think the message is getting through.”

One of Shawn’s insurance companies, Auto-Owners worked with AT&T to create a video, and they offer to their agency as a way to present the material to young teens. The video taps on the hazards of texting while driving by using real life stories of those that have been touched by the consequences of the act. “From there,” Fogle-Sizemore says, “I let them take over the discussion.”

Year to date Fogle Insurance representa­tives have already introduced students at Hopewell, Hough, Mallard Creek, North Meck, and The Cannon School to the “Wait to Text” campaign. The firm says they expect the company to continue “W82TXT” presentations throughout the school year, possibly as often as once a month at high schools as new driver’s education classes begin.

They would also like to reach others with the program. “We have just touched the tip of the iceberg with the public, private, and charter schools,“ says Shawn, “We would like to incorporate church groups and civic clubs as well. And it would really be a nice program for school PTA’s and PTO’s too.”

Shawn and her husband Craig Principi have been residents of Skybrook for nearly 9 years and have two sons Nicolas (13) and Jackson (12).

If you would like more information the the W82TXT campaign or how you can get in touch with Shawn and Fogle Insurance, please visit their website at www.foglegroup.com and click on the W82TXT tap at the top.

As the folks at Fogle like to say: Be Smart, Be in control, Be caring, and Be a BFF – Friends don’t let Friends text and drive, because it is better to lose one minute of your life, not texting then to lose your life in one minute!

Charlotte’s Car Care Professional: Brewer Automobile Maintenance Services

Please Visit Our Website For Appointments and Auto Service Discount Coupons  http://www.charlotteautocare.com 

Brewer Automotive in Charlotte, NC 28217 is a full-service preventative maintenance and auto repair center, providing comprehensive car care services for your domestic or import vehicle to keep it running at full power. For questions, contact us at 704-523-3315 or send us an email, and our experts will help determine what needs to be done.

Our basic auto maintenance services include:

• Factory Recommended Service/Maintenance
• 30/60/90K Mileage Maintenance
• Distributorless Ignition
• Fuel Injection
• Ignition
• Ignition Wires & Cables
• Oil, Lube, and Filter
• Spark Plugs

The National Transportation Safety Board Tuesday called for a nationwide ban on the use of cell phones and text messaging devices while driving.

The recommendation is the most far-reaching yet by the NTSB, which in the past 10 years has increasingly sought to limit the use of portable electronic devices.

If adopted by states, the recommendation would outlaw nonemergency phone calls and texting by operators of every vehicle on the road.

It would not apply to hands-free devices, or to passengers.

Please help support our W82TXT program. Click Here

529 plans managed by The Hartford offer multiple ways to invest, including age-based portfolios, static portfolios and individual fund options. Underlying investments are provided by The Hartford Mutual Funds. See your advisor to tailor a college savings plan to your family’s needs. Individuals and Family Insurance Proudly Supported by The Fogle Insurance Group in Huntersville NC also Servicing the Greater Charlotte Area
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Small Businesses (1-250 Employees)

Montgomery Insurance and its underwriting companies have been doing business in the Southeast since 1848, so we know your market. We’re a regional company, which means we’re flexible. And, as a member of Liberty Mutual Group with the financial strength to deliver security and value, we offer national reach combined with local market knowledge. We write only small business accounts, so we have time to learn the ins and outs of your specific industry. Plus, you can count on our claims representatives to be professional, timely and courteous. And, we work with only the finest independent insurance agents in the business, so you are guaranteed an above average soup-to-nuts insurance experience.

We call this The Montgomery Advantage™.

Stop Problems Before They Happen

Unfortunately claims happen. But our loss prevention services can provide you with valuable tools to help stop problems before they happen.

Looking for Home or Auto Insurance?

Montgomery Insurance also offers personal lines products, as does our sister company, Safeco Insurance . Both carriers provide you with what you need to protect your family. Talk to your independent agent about what’s right for you.

The Right Business Policy for You

All we do is write small business insurance which means we have a variety of core coverages that can be tailored to meet the unique needs of your business.