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A. R. Davis Blog

Cold Season Is Around the Corner

Erika Harvey - Friday, October 10, 2014

Cold Season Is Around the Corner

It has come to that time of the year when spring has ended and fall is here. The weather starts getting colder, leaves are falling off of trees, and people begin to get sick. To avoid getting stuck with a week or two of feeling unwell and down, which may include everything from a runny nose, itchy sore throat to a cough, congestion, and mild fever here are some preventative steps to help your immune system stay bacteria and virus infection free.


  • Ø Make sure you’re always washing your hands. Use warm water, soap and scrub for at least 20 seconds. If you’re not by a sink then try to carry hand sanitizer with you.
  • Ø Disinfect your home regularly. Spray off surfaces in your kitchen and  bathroom
  • Ø Eat a well-balanced diet. Eating foods that provide the sources of energy and nutrition your body needs will help build a healthy immune system. If cannot eat the foods you need you can also try taking a multivitamin.
  • Ø Get plenty of rest. On average humans require 7-8 hours of sleep every night. Lack of sleep can lower the immune system’s ability to react when needed.
  • Ø Gather supplies. While you’re feeling healthy stock up on a few essentials in case you do get a cold. (Example tissues, cough drops, soup, tea….)
  • Ø Try to avoid sharing. Cold germs can spread very easily by sharing utensils and drinking glasses.
  • Ø Switch to paper goods. By switching to paper towels and paper cups in the bathroom you can toss after one use and be less likely to get sick.


Checklist for winter driving

Erika Harvey - Friday, September 12, 2014

Preparation Checklist for Winter Driving

Driving on ice and in snow can be very dangerous. Always make sure before this weather arrives that you prepare a checklist of everything that needs to be done to ensure a safe winter ahead. Here are some ideas that you can add to your own checklist.

  1. Before winter comes prepare your vehicle for use on ice and snow.
  2. Avoid driving while fatigued
  3. Always wear your seatbelt
  4. Never leave your vehicle unattended with the engine running
  5. Make sure your tires are properly inflated
  6. Keep your gas-tank half full to avoid freezing
  7. Always be cautious of other drivers
  8. Make sure your phone is fully charged before leaving the house encase you need to call anyone of an emergency.
  9. Have back up snow scrapper, gloves, hats, coats, and blankets just in case you get stuck anywhere.


Trusted Choice

Erika Harvey - Thursday, October 24, 2013

Trusted Choice



The A.R. Davis Insurance Agency has joined with Trusted Choice.


Trusted Choice agencies are insurance and financial services firms whose access to multiple companies and commitment to quality service enables us to offer our clients competitive pricing, a broad choice of products and unparalleled advocacy. So having a broad choice of products means that if you are thinking you need anything insured, give us a call. Chances are very good we will be able to write you a policy!



The A.R. Davis Insurance Agency has taken on Trusted Choice’s Pledge of Performance





As a Trusted Choice agency, we are dedicated to you and are committed to treating you as a person, not a policy. This commitment means we shall:


  1. To work with you, your business, or your family to identify the insurance and financial services that are right for you.


2. Guide you through the claims process for a prompt and fair resolution of your claim.


3. Help you solve problems related to your coverage or account.


4. Explain the coverage and options that are available to you.


5. Respond to your requests in a timely manner.


6. Provide 24/7 services for our customers, offering any or all of the following: emergency phone numbers, internet account access, email and call center services.


7. Use our experience and multiple company relationships to customize your coverage as needed.


8. Commit our staff to continuing education so they may be more knowledgeable in serving you.


9. Conduct our business in an ethical manner.


7. Treat you with respect and courtesy


“We pledge this to you, our clients, and ask that you let us know if we fail to meet our commitment, so that we may take corrective action.”


Erika Harvey - Wednesday, September 11, 2013


Today is a day to take a moment.

Take a moment with your loved ones.

Take a moment to count your blessings.

Take a moment to say thank you.


“Time passes, things change, but memories remain.”

 “We are not only stronger, we are closer.”

 Today each individual takes a moment in remembrance of a tragedy that happened 12 years ago today.


Today we acknowledge the hero’s around the world: the mom, the dad, the brother, the sister, the aunt, the uncle, the niece, the nephew, the grandparents, the neighbor, a best friend, a role model, a loved one.

 September 11, 2001 will never be forgotten and we move forward stronger and closer than ever before.


The Freedom Tower

"We will build it to show the world that freedom will always triumph over terror and that we will face the 21st century and beyond with tremendous confidence."



Erika Harvey - Friday, July 26, 2013



Recently there have been weather conditions that have caused extensive flooding. In result to these conditions thousands of homeowners have been affected.


Companies in the Lake Country area like PuroClean (The Paramedics of Property Damage) have a 24/7 EMERGENCY RESPONSE SERVICE. Even with such great service and availability when extensive flooding occurs companies become backlogged with too many claims to handle in a timely manner.  Ohio’s recent flooding has been one such example of the problems that can occur when there are not enough flood experts to go around. In these extreme cases there are several ways to minimize the damage done by the storms, while you wait for professional help.


So what do you do?

Here are some recommendations if you are been affected and are waiting for service!

                                If a restoration company is not available for more then 3 or 4 days…


1. Remove wet Carpeting from the basement. First cut up the carpet into strips roll it up and bag it. The removal of the carpet makes it easier to work around large furniture.



2. If the water is unsanitary, the carpet, upholstered furniture, and drywall should all be removed and discarded.  At minimum gloves, eye protection, and a mask should be worn when handling sewage contaminated materials (stuffed animals, blankets, pillows, etc.)


3. Another important tip is to keep the lights on in the flooded areas and if possible run a dehumidifier or fans to reduce the humidity. This keeps the air moving and will discourage the growth of mold and other unwanted micro-organisms.


4. When cleaning hard surfaces soap and water are recommended over using bleach solutions. Soap will destroy bacteria and move the mold and it’s also less toxic to people and pets.


5. For HVAC equipment, water heaters, or appliances CALL a plumber, HVAC contractor, or appliance repair company to inspect these items before use, because restoration companies typically are not qualified to inspect appliances.


                If at any time you have doubt about what to do wait for a professional to do an assessment. Due to the high call volume we encourage you to be PLEASE BE PATIENT. It’s better to wait for a professional then to take on a project when you are unsure what to do.


Erika Harvey - Monday, May 13, 2013



4.1 million

Did you know this is the number of women between the ages of 15 and 50 who gave birth in the past 12 months?

5 million

                    Did you know this is the number of stay-at-home moms in 2012?

10.3 million

Did you know this is the number of single mothers living with children younger than 18 in 2012?  (Increased from 3.4 million in 1970.)




  • The earliest celebration of mother's in recorded history comes from ancient Greece, when there was a spring festival dedicated to Rhea, the mother of the gods.



                                                        Anna Jarvis

  • The modern version of mother's day was first observed in 1907. Anna Jarvis started a letter writing campaign to recognize mother's day, something she wanted to do to honor her deceased mother.
  • Finally, the US Congress officially recognized Mother's day as a holiday in 1914.




                      In 2009, there are an estimated 85.4 million moms in the United States.


Noun: A women in relation to a child or children to whom she has given birth.

Verb: Bring up (a child) with care and affection: "the art of mothering".

Synonyms: mama - mamma - parent - mom - ma - mum – mummy



                        GIVE HER THE GIFT SHE WILL LOVE THIS YEAR!



A survey conducted by Argos revealed that:

32% of those buying gifts are buying for someone other than their own mother.

46% of gifts will be bought for wives on behalf of their children.

42% will be for mothers in law.

77% of mothers valued a handwritten card more than anything else.

  I have done a lot of research on what the “perfect” gift is for mother’s day.The truth is there is not a perfect gift that will be spelled out for you.Everyone’s mother is different they cherish different moments, different gifts.Give your mother something that will brighten her day, make her smile, and that will tell her you are thankful for everything she does and that you do love her. Make the gift come from the heart not from your wallet.

“Being a mother is perhaps the hardest, most rewarding job a woman will ever experience.”



Erika Harvey - Tuesday, April 30, 2013


Did you know that drinking and driving is the leading cause of fatality in young adults between the ages 15-20?


Did you know every 22 minutes someone dies in an alcohol related car accident?


One of the most amazing memories in high school is prom night.  It’s a night to remember forever, dancing, friends, and pictures. It might be the only time you wear a dress/tux outside of your parents dressing you up and making you go to a wedding, a nice fancy dinner is expected, the attempt of trying to attach a boutonniere is a given. Prom night can be a little pricey, but at the end of the night you know all the great memories are worth it. At the end of the night there is one thing that no amount of money can replace meaning it’s priceless, and that’s a life.

One of the reasons Alcohol Awareness Month is held in April is because it is the beginning of the prom and graduation season, a time when celebrations could turn dangerous.

In 2005, the statistics show that the number of students who died in an alcohol-related accident during the prom and graduation months were 676 students. (This is according to the National Highway Traffic Safety Administration.)




Over the years communities, schools, law enforcement, and even students have taken action to prevent such tragedy.


Most high schools host an event called AFTER PROM! The after prom tradition started in 1993, each year the staff and parents of the student undertake the responsibility of the after prom. The main goal is to allow the students to have a safe memorable night. The student’s do not have to attend after prom to go to the actual prom. The after prom is filled with prizes, food, games, and many other special little surprises.


Most recently, many high schools have tried to come together, to be stronger.

During the upcoming prom season many high schools are introducing “The Prom Promise.”

The Prom Promise is where the students make a promise to themselves. Many schools take a different approach, the most common approach and promise is “I Promise not to drive and drive.”  The students all come together and make their prom a night to remember!


The A.R. Davis Insurance Company recently made a donation to Newbury’s After Prom!

The donation’s go towards allowing the school to provide a safe and memorable After prom.

The after prom is a safe, structured, and supervised by the After Prom committee of the Newbury Booster.


The A.R. Davis Insurance Company would like to wish you a wonderful and safe prom night!




Erika Harvey - Monday, April 22, 2013



Moving is a huge step to take, when you move it can cause a lot of stress and may even bring up a lot of questions.

So why not get those questions answered and your stress level down with RENTERS INSURANCE.

Did you know that when you rent an apartment, condo, or house that the landlord carries insurance? Did anyone also tell you that the insurance your landlord covers does not protect you or your personal belongings? You can even be held liable for injuries sustained by others in your apartment.



If you rent your home, having insurance protection for yourself and your possessions is important. Similar to home insurance, renters insurance protects you in situations that everyone can face: fire, theft, water damage and other unforeseen circumstances your landlord's policy doesn't cover.



Renters insurance typically provides coverage, up to the limits you select, for specified items and situations.

  • Personal property (furniture, electronics, clothing, etc.)
  • Personal liability if someone is hurt
  • Damage to your apartment or home caused by a covered loss

Renters Insurance is a very affordable way to cover yourself for a variety of unexpected events.

  1. Fire
  2. Smoke damage
  3. Theft
  4. Collapse of the building due to weather
  5. Water leakage or overflow
  6. Freezing of plumbing, air conditioning and more



did you know that YOU’RE renters insurance coverage does not stop when you leave your home!! your personAl property is coverEd in your car, if you go on vacation or just down the street, even when YOU’RE moving. Most Importantly it also protects you!


to learn more about renters insurance contact us at the a.r. davis insurance company!!



Erika Harvey - Friday, April 12, 2013



If You Don't Have Vehicle Insurance, You Can't Drive in Ohio!

Statistics show that in April 2010 13.5% of all drivers in the U.S. were without car insurance.

A study by the Insurance Research Council (IRC) estimates that 1 out of every 6 drivers in the United States may be driving uninsured

People give many excuses for not maintaining a valid insurance policy on their vehicle. Some use the excuse they cannot afford car insurance, while others will say they forgot about it. Some even argue that they simply do not need car insurance.

There are legal and personal consequences for neglecting this responsibility.

Ohio: First offense: revocation of registration, $75 fine and three-month driver license suspension; second offense in five years: one-year license suspension; subsequent violations: two-year license suspension.

Some states will even arrest an uninsured motorist.If you cause an accident, you're personally liable for injuries and damage to others and not to mention your own medical and car-repair bills.

INSURANCE REQUIRED IN OHIO: In Ohio the required minimum for Bodily Injury Liability Coverage is $12,500 per person injured in any one accident and $25,000 for all persons injured in any one accident. The required minimum for Property Damage Liability Coverage is $7,500 for injury of property of others in any one accident.

A.R. Davis does not work for an insurance company we work for YOU!

SWEET DREAMS (Drowsy Driving)

Erika Harvey - Monday, April 08, 2013


Did you know more than a third of drivers have reported falling asleep behind the wheel at some point while driving?

Did you know sleepy drivers are estimated to be involved in 12.5% of fatal crashes?

Did you know studies show sleepy driving can impair a driver just as much if not more then being intoxicated while driving?


According to the National Highway Traffic Safety Administration crashes because of drowsy driving claim atleast 1,550 lives. Drowsy driving produces more then 71,000 injuries and cost more then $12.5 billion each year.

Your eyelids get heavy and your head starts to fall. Yawning is now constant and your vision seems blurry. You blink hard, focus your eyes and suddenly realize that you’ve veered onto the shoulder or into oncoming traffic for a moment and quickly straighten the wheel. This time you were lucky, next time you could become the latest victim of the tragedy of drowsy driving.

What is Drowsy Driving?

 Drowsy driving is sleep deprived driving is the operation of a motor vehicle while being cognitively impaired by a lack of sleep.

Signs You Are Too Drowsy to Drive:                                               

  • Difficulty focusing, frequent blinking, or heavy eyelids
  • Daydreaming; wandering/disconnected thoughts
  • Trouble remembering the last few miles driven; missing exits or traffic signs
  • Yawning repeatedly or rubbing your eyes
  • Trouble keeping your head up
  • Drifting from your lane, tailgating, or hitting a shoulder rumble strip
  • Feeling restless and irritable


Main Causes of Drowsy Driving:

  • Long-term and short-term sleep loss
  • Medications that increase drowsiness or cause fatigue
  • Alcohol
  • Sleep disorders that are untreated
  • Driving patterns (those that involve driving mostly after midnight and before 6am)


If you get stuck in a situation there are many ways to avoid drowsy driving. If you’re in a situation where it can not be avoided try rolling down the windows or turning up the radio until you are able to pull over and get in a safe area.



Tips to Avoid Drowsy Driving

  • Get a full night of sleep before driving, especially when going on a long trip. 
  • Arrange for someone else to give you a ride when you are tired or when you know that you will be unable to get enough sleep. 
  • Avoid driving late at night. 
  • Avoid driving alone. 
  • Share the driving with another passenger when taking a long trip. 
  • Never take any medications that cause sleepiness before or while driving. 
  • Use caffeine for a short-term boost. 
  • Pull over at a rest stop or in a safe parking lot and take a nap when you feel drowsy. 

Drowsy Driving Fun Fact: There are legal consequences of drowsy driving? New Jersey has a law that makes it a crime to drive while “KNOWINGLY FATIGUED”. This means being awake for more then 24 consecutive hours. The law went into effect in 2003; similar bills are also pending in Illinois, Kentucky, and Massachusetts. If found guilty of the crime offenders can be punished by up to 10 years in prison and a $100,000 fine.

Don’t Be A Statistic!