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The Newsletter
Are You Insured When Borrowing a Car?

At one time or another, nearly everyone borrows and lends a vehicle. Whether it's for a quick trip up the road or a cross-country journey, understanding a little about insurance and borrowed cars can help reduce the risk of mis-information or costly mistakes.

Insured or Not Insured?

Most auto insurance is connected to the vehicle in question, so when someone borrows the car, insurance is usually in effect. However, it is always important to remember that some policies may contain additional riders that exclude drivers other than those specifically listed on the policies. If you are not sure whether or not coverage is in place, it is a good idea to contact your agent rather than risk it.
Other stipulations may also need to be met, including obtaining prior permission of the owner before driving the car and/or limitations of liability based upon the policy, driving history and insurance of the driver.

When the Worst Happens

Unfortunately, accidents have a tendency to happen in the worst situations. Call it Murphy's law. Before borrowing or loaning out a vehicle it is a good idea to understand the consequences.

If an accident takes place when someone is driving a borrowed car, typically the owner's insurance will kick in first. However, if the owner of the car is un-insured or under-insured your insurance will typically pick up the difference.

However, if the driver is uninsured or underinsured, and at fault for the accident, the personal assets of the owner could potentially be at risk.

Always verify the driver's license and auto insurance policy is in place before allowing anyone to borrow your car - even for a short period of time, like test-driving a car that is for sale. It's also a good idea to discuss co-payments or deductibles prior to loaning the vehicle in order to avoid potential problems should an accident or fender bender take place. Remember, an ounce of prevention is worth a pound of cure, especially when it comes to dealing with insurance-related issues.

Community Service 

April fools
At Lincoln Insurance Group, we believe in giving back to our community.  On March 21 the Good Shepherd Clinic hosted their annual Pillars of Clayton County luncheon and fundraising event at the First Baptist Church of Jonesboro.  This event raises money to accomplish a mission that provides quality primary medical care to residents of  Clayton County who are uninsured and have limited financial resources. Dawn Thompson serves on the board of directors for Calvary Refuge Center (a homeless shelter in Forest Park), and was asked to be a Table Captain.  The job of a Table Captain is to  design a tablescape, provide the china, table linens, flower arrangements, silverware, glassware and then to fill the table with guests.  Pictured here is the Calvary Refuge table. This year's luncheon raised about $20,000 to help the clinic meet the medical needs of many patients. The pillar award winners for 2017 were: Jim Baker (Business Pillar), Tracy Graham Lawson (Legal Pillar), Dr. Tim Hynes (Education Pillar), Dr. Elizabeth Killebrew (Medical Pillar) and Sonna Singleton Gregory (Community Service Pillar.)  Julie Brown, a personal family friend and big supporter of the Good Shepherd Clinic, passed away suddenly in January.  Julie decorated at least two to three tables every year for this luncheon.  This year she was honored and remembered by her family, book club and ladies church group. Julie was a faithful servant and deeply loved by her family, her church and her community and she will be greatly missed.

Winning Friends & Influencing People the 21st-Century Way
Dale Carnegie's classic how-to book still makes a lot of sense: even in the 21st century, it's human nature to want (and need) friends.

In a recent FastCompany article, Stephanie Vozza points to a Harvard University study that indicates making friends is important for good health: "A lack of strong relationships increases your risk of premature death from all causes by 50%."

But finding new friends can be tricky.

Of course, we live in a digital world, and if making online friends is your goal, it's a cinch. Mind you, some of those new digital friends may turn out to be bots or algorithms, but they can give the impression of friendship.

It's different with real people. And if you want to know who would make a good friend and who would not, there's lots of advice available. Notes Jon Levy in Speed, a pop-up blog from New York Magazine, "Don't invest too much time engaging with the wrong people. When approaching someone, begin with a litmus test." For example, "If you wave at someone from across the room and they wave back, they're friendly, you can approach."

Levy also says we are more likely to connect with someone with whom we have something in common. Just find out what, and connect.

Vozza, too, has suggestions for making new friends, including not waiting for others to make the first move, and following up on their overtures.

It seems the basic tenets of Dale Carnegie's system still work. You can make real friends. Even in 2017.

Prevent Homeowner Claims with This Checklist
A few simple maintenance tasks can help prevent major liability insurance claims. The following tasks, completed annually, will help protect you from several types of homeowners insurance claims, such as:


Inspect your driveway and walkways. Are these areas safe and smooth? Repair any broken, cracked, or uneven areas. This helps prevent accidents on your property. And don't forget to fix fences and gates.

Winter weather may have taken a toll on your home's exterior. Check hinges, latches, and locks to ensure they work. If you have a pool, maintaining these deterrents is especially important to keep your own kids or neighboring children away from the pool area and out of danger.

Fire damage

Change batteries in all your smoke detectors and ensure they're functioning correctly. Also clean your dryer's lint hose. Your lint trap doesn't catch it all. You should clean the hose once each year to prevent fire. (And as a bonus, it also increases dryer efficiency.)

Moisture damage

Check the water heater, and if you notice any corrosion or leaks, get it repaired right away. As well, seams and caulking on doors and windows can crack over time and allow moisture to enter your home. This can cause further damage to its structure. Reseal or recaulk where needed.

You also should clean out your gutters and clear away all the debris left by winter storms. The gutter and downspout system protects your home from water damage by directing water away from your roof and foundation. When it's clogged, it can't do its job.


Overgrown bushes can block windows and create shelter for thieves. Trim the landscaping so everything (and everyone) is out in the open. Also check outdoor lighting for burned-out bulbs; ensure your home is well lit to discourage any unwelcome visitors.

If you're worried about a homeowners insurance claim, this annual checkup can give you a safe home and peace of mind.
Dawn Thompson
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Salted Chocolate Pecan Pie Bars
Happy National Pecan Month!
Makes 15 to 20 bars
1 cup butter, softened
1/2 cup brown sugar
2 1/2 cups flour
1/2 teaspoon salt
3 eggs
3/4 cup light corn syrup
1/2 cup brown sugar
1 teaspoon vanilla extract
8 ounces semisweet chocolate chips
2 cups pecan halves
1 teaspoon flaked sea salt
Preheat oven to 350 degrees F. Line a 9 x 13 in. baking pan with parchment paper, leaving a 2 in. overhang on two sides.

In a mixer, cream butter and sugar for 2 minutes. At low speed, add flour and salt until combined. Press dough evenly into pan. Bake 30-35 minutes until slightly browned. Remove and cool. Meanwhile, whisk eggs, syrup, sugar, and vanilla until smooth. Fold in chocolate and pecans. Pour filling over crust. Bake 30-40 minutes until the center is set. Remove and sprinkle with salt. Cool completely before cutting into bars.
This newsletter and any information contained herein are intended for general informational purposes only and should not be construed as legal, financial or medical advice. The publisher takes great efforts to ensure the accuracy of information contained in this newsletter. However, we will not be responsible at any time for any errors or omissions or any damages, howsoever caused, that result from its use. Seek competent professional advice and/or legal counsel with respect to any matter discussed or published in this newsletter. This newsletter is not intended to solicit properties currently for sale.
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Lincoln Insurance Group, LLC, 830 Eagles Landing Parkway, Suite 200, Stockbridge, GA 30281, United States
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