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In preparation for the continuing spread of the seasonal flu and H1N1 flu virus, Consolidated is providing the following information to help consumers with their disaster preparations:

Getting Prepared for Flu Season:  What You Should Know About Your Insurance Coverage and the H1N1 Influenza Pandemic

Planning for a Flu Pandemic in the Workplace

H1N1 Fact Sheet

H1N1 Fact Sheet for Churches

Know the Difference Between a Cold and H1N1 Flu Symptoms

Ohio Law Change Affects Coverage for All-Terrain Vehicles:

Effective July 1, 2009, Ohio law has changed and now requires all ATVs (All-Terrain Vehicles) to be registered with the Bureau of Motor Vehicles, unless it is used only as a farm implement on your farm.

Although your policy of insurance hasn’t changed, this decision by the state affects the coverage afforded in your Homeowners policy if you own an all-terrain vehicle. Under Section 1 - Property Coverage and Section II - Liability Coverage, there previously was limited coverage for the operation of an ATV.

Because motorized vehicles that are subject to motor vehicle registration have always been excluded from coverage in Homeowners policies, it is now necessary that you insure your ATV on a Motorcycle policy if you don’t already do so.

You may already have the appropriate coverage for your ATV.  But if you are unsure, your independent insurance agent can find the coverage that best fits your needs.

Information for Parents of Teen Drivers:

By far, motor vehicle accidents are the number one cause of death and disabling injury among teenagers.  That is why Dale Wisely, a child and adolescent psychologist for 26 years, started a website called www.parentingteendrivers.com.  The website has been featured in the New York Times, Washington Post, and Foxnews.com among other news sites.  There is a wealth of information about all things related to teen drivers, including a contract parents can use with their kids to engage them in a conversation about safe driving habits.  Please print off the contract and review it with your teenage drivers.  There is also a consumer-focused article on teenage driving you may want to read.