Merlino & Gonzalez March 2018

WHY YOUR PREMIUMS MAY BE RISING Don’t Be C.L.U.E.less About Your Car Insurance

Everyone knows that when an accident is your fault or you’ve racked up some traffic violations, your car insurance premiums will go up. It’s not hard to understand why. Drivers who have increased risk pay more insurance. But sometimes, your premiums go up for no reason at all. If this happens to you, it may be due to an error in your C.L.U.E. report. You’ve probably never heard of this report before, but it’s a huge factor in how your premiums are determined. C.L.U.E. stands for “Comprehensive Loss Underwriting Exchange,” and more than 95 percent of car insurance companies submit claims to it. Basically, it’s a database that insurance companies use to decide how much they should charge you for your policy. When there’s an error in your report, you could end up paying more than you need to. Any claims you’ve made previously will be included in your C.L.U.E. report, as well as basic information like your policy

number and vehicle information. There is also a category called a “fault indicator” which records who is at fault for a particular accident. When you apply for a policy, or when that policy comes up for renewal, you can bet your insurance provider will look at the report. Given how crucial it is, it’s up to you to make sure it’s correct. Whether or not you’ve seen your premiums rise recently, you should periodically request a copy of your report from your provider or directly from LexisNexis Risk Solutions, the company that creates and manages C.L.U.E. reports. In the event of an error, contact both your carrier and LexisNexis. They are required by law to review your report. Once you’ve requested a review, follow up to ensure that any inaccuracies have been resolved. Nobody should pay excessive premiums for no reason at all. If you think you’re being overcharged for car insurance, it’s time to get a C.L.U.E.

BRAISED CHICKEN AND SPRING VEGETABLES MICHELE’S RECIPE CORNER

take a break

This simple and delicious one-pot recipe is perfect for a weeknight. It only requires about 15 minutes of hands-on work but will taste like you spent all day building flavors. It’s a hearty comfort food that’s sure to delight eaters of all ages. • 1 tablespoon olive oil • 8 small bone-in chicken thighs • 1 cup low-sodium chicken broth • 12 radishes, halved saucepan or Dutch oven over medium-high heat. 2. Season the chicken with salt and pepper. Brown in pan for 6 to 7 minutes per side. 3. Remove chicken from pan and scrape off excess fat. Add broth INGREDIENTS DIRECTIONS 1. Heat olive oil in a large

• 4 large carrots, cut into sticks • 1 tablespoon sugar • 2 tablespoons fresh chives, chopped • Salt and pepper and stir in radishes, carrots, and sugar. 4. Return chicken to pan, placing on top of vegetables. Gently

simmer with lid on pan for 15 to 20 minutes. Finish with chives.

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