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The EFG Insurance Blog

Information about changes in the insurance industry and coverages for all our customers and prospective customers.

Medicare Patients Warned of Observation Stays

medicare, medical insurance
Medicare Patients Will Be Warned About Observation Stays Under New Law A new law requiring hospitals to give oral and written notice to Medicare patients when they are under observation care, which essentially classifies them as outpatients and renders them ineligible for medicare payment for nursing home care, went into effect this week.  The Medicare Outpatient Observation Notices are designed ...
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Is Your Car Hackable?

Is your vehicle a target for hackers? While purchasing a new vehicle with all of the latest luxury upgrades is appealing, it’s important to also consider the security risks that may leave your automobile vulnerable to cyberattacks. As recent stories have surfaced about the hacking of self-driving cars and the vulnerabilities of cars that receive "over-the-air" updates to their software, car hackin...
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Protection During a Hailstorm

heavy rain, hailstorm
Staying safe on the road during a hailstorm It may sound surprising, but there are approximately 3,000 hailstorms in the United States each year. The size of hail can widely vary – from golf-ball size to softball size. And when it starts building up size, hail can cause not just severe property and vehicle damage, but also bodily harm and even death. On average, hailstorms annually cause over $1 ...
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Rental Car Insurance

rental car insurance
Do you need rental car insurance? You’ve probably been at the rental-car counter, listening to the representative ask if you want to purchase the company’s insurance. And the thoughts start racing through your head. “Is this a rip-off? Doesn’t my regular auto policy cover me? What about my credit card? Why didn’t I figure this out before I left on my trip?” At EFG Insurance Agency, we are here...
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Fire Pit Safety

fire pit, fire safety
Be Careful When You Play With Fire, Even in the Backyard It’s a great feeling to hang out with friends and family around a blazing fire in your backyard in Texas — unless, of course, that fire blazes a little too much. While a fire pit can be a wonderful addition to your home, all fires are potentially dangerous. So before you sit down with some marshmallows to roast, we here at EFG Insurance ...
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Avoiding distractions while driving could save your life

You’ve seen them on the roads; you might even know a few of them. And you could be one yourself. Distracted drivers come in all shapes, sizes, ages and experience levels. Even if you’re not one today, you could become one at any moment — in the time it takes you to answer your cell phone or check the kids in the back seat when you’re driving. (more…)
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Football Fan Safety

Make football season not just fun, but also safe Finally, we’re welcoming fall, that eagerly anticipated season when we get to enjoy cooler temps, colorful leaves, the start of school and, of course, football season in Texas! Football season brings with it a whole host of seasonal activities for football fans, from game-day tailgates and sports bar outings, to friendly bets and bowl parties.  ...
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Flood Prevention and Safety

Almost anywhere it rains, it can flood. Even if you live in an area of that you think isn’t at risk, preparation is just as critical as with other types of emergencies. Before we get into how you can prevent, limit or react to flooding, it’s important to note that flood damage is typically not covered by your homeowners or renters insurance. There are specialized flood insurance programs that w...
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