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Show The Garfield County Insider INSURANCE CONSIDERATIONS WITH THE WARMER WEATHER With the longer days and warmer weather, many of you will change gears from snowmobiles, snow skiing, and other winter outdoor activities to ATV's (OHV's), boats and personal watercraft, travel trailers, and other related outdoor activities. It is a good time to assess insurance needs for the personal property you own, rent, or may borrow in your enjoyment of these activities. Many of you will be transporting three to four ATV's; or one or two, twoseater type units on a trailer being towed by your SUV or truck. Same thing with your personal watercraft, you are probably towing around significant dollar value units. Unless you have specific coverage for these units, they will not be covered if you are involved in an accident, not to mention the cost of the trailer or other unit you are using to transport the units. Your greatest risk of damage is likely when you have them all loaded up, in tow. It is easy to have $20,000 to $75,000 of property value behind your vehicle. We suggest you check with your local agent to ensure you have adequate coverage for the risk exposures you may encounter. Don't assume you have coverage. You will also want to make sure that if you rent or borrow these units adequate coverage will be there. This would include borrowing or renting the trailer used to haul the units. Some auto or homeowner policies may provide some minimal coverages for the trailer, however don't assume that your policy has this type of coverage or that it is adequate for the situation. You may want to obtain sections of the policy to ensure that what you are being told is the same as what is contained in the policy. Having someone telling you it is covered, and verifying there is coverage may not be the same when the time comes to settle a claim. Remember the old adage "saying it is so, doesn't make it so". Take the time to read and understand any rental contract you sign. If you rent a travel trailer, are you responsible for the damage to the trailer if you are involved in an accident or incident that damages the trailer? What is your best option to address this risk exposure? Mandatory minimum coverage does not necessarily mean you have adequate coverage based on your individual needs and risk exposure. Even though it may not be mandated by law for you to obtain liability coverage for your ATV, utility vehicle, off road motorcycle, or other motorized vehicle, you may be held responsible for the amount of damages you may be found legally liable for as the result of your actions. This would include bodily injury and property damage expenses to others. It is required in Utah to have a valid liability insurance policy on most boats and all personal watercraft (PWC). It is also required in Utah to have valid liability insurance for certain ATV's. We suggest you check with the Utah State Parks to determine if you are required to have liability insurance for your boat or ATV. Mandatory liability coverage does not protect you from damage to your own personal property or personal property you have borrowed or rented. In other words, it does not provide physical damage coverage. Another consideration is personal injury to you and your passengers if you were to have an accident. Do you have insurance that would cover you in this situation? Do your passengers have insurance to cover them in this situation? Will you be responsible for the medical expenses incurred by your passenger? Make sure to provide enough information to your agent so they are able to assist you in determining what coverage you may need. We are able to assist with some of your questions; however there is no substitute for reading and understanding your policies. Enjoy the upcoming warm weather with the peace of mind of knowing you have taken the necessary precautions to avoid potential financial hardship while engaging in these wonderful spring, summer and fall activities. PAROWAN DENTAL 14 North Main St. Parowan, Utah (435)477-9577 New Patients Welcome Affordable Family Dentistry Justin Marsh, DDS Escalante Native ADVERTISE IN THE INSIDER Call 676-2621 to plate lads. 200 North 400 East • Panguitch, Utah • 676-8811 www.garfieldmemorial.org Family Practice Dr. Richard Birch Dr. Todd Mooney Becky Roberts, FNP Tim Dennis, PA-C Dr. Mitchell Miller Speech Therapy Flora Howard Anesthesiology Lewis Barney, CRNA Certified Nurse Midwife DeAnn Brown, CNM VISITING SPECIALISTS FOR APRIL 2010 Dr. Robert Pearson 13 Ear, Nose Throat 676-8842 Dr. Randy Delcore 8 Orthopedist 676-8842 Dr. Eric Maxwell 21 Audiologist 676-8842 Dr. Mark Hansen 15 Gen Surgeon 676-8842 Dr. Brad Webb 5, 19 Podiatrist Dr. Robert Nakken 22 Orthopedist 676-8842 Dr. Ronald Crouch No April Urologist 676-8842 Dr. Kevin Walsh 21 Cardiologist 676-8842 (800)260-3668 Our Pharmacist, Tim Smith, will provide Coumadin testing and results at outlying clinics. Please call clinic for available dates and times. Coumadin testing and results at the Garfield Memorial Clinic will be by appointment. Mammography will be available in Panguitch on April 14th, Beaver April 7th & 8th, Escalante, April 21st & 22nd (UCCP), and Kanab Bryce Valley April 28th.. To schedule an appointment for Mammography, please call 435-676-1267. Future 2010 Mammo dates: Orderville May 5 June 2 Piute (UCCP) May 12 May 19 & 20 May 26 & 27 Panguitch Enterprise (UCCP) Wayne (UCCP) June 17 June 23 Bryce Valley Panguitch (UCCP) Clinics - Call For Appointments Garfield Memorial Clinic, Panguitch Kazan Clinic, Escalante Bryce Valley Clinic, Cannonville Circleville Clinic, Circleville Physical and Speech Therapy Mammography Diabetic Counseling(Jan Frandsen) Garfield Memorial Hospital Long Term Care Center 435-676-8842 (Mon - Fri) 435-826-4374 (Mon., Wed., Fri.) 435-679-8545 (Tues. & Thurs.) 435-577-2958 (Tues. & Thurs.) 435-676-8840 435-676-1267 435-676-8811 435-676-1265 April 1, 2010 SPORTSESIDEaLINES—• By Mack Oetting Like the winter this year, basketball seems like it never ends. In the Annual Lions Club 1A 2A boys basketball game in Monroe, Panguitch had two players that were invited, Eric Frandsen and Brooks Leach. Eric came in second in the slam dunk contest and Brooks was the MVP of the game. Brooks made six out of seven three pointers and for a change the 1 A team won the game by 1 point, the 1 A lead by 15 at half time, but managed to hold on for the victory. There was another AllStar game up north that both went to and it was the north against the south. Some how region 20 and 16 were on the north team, region 16 has Rich in it, and they won handily by 15 points, 84 to 59. Panguitch's Brooks Leach scored 16 points to lead the lA North, with Clay Williams from Valley and Piute's Jaylin Christensen chipping in with double figures. The All-State Boys basketball 1A team players from Region 20 on the SL Tribune were: MVP, Caden Anderson from Rich; Guards: Tyson Westwood, Piute, Kace Roundy, Kam Roundy all from Bryce Valley, Forwards: Eric Frandsen and Brooks Leach, Panguitch. Second team players from our area were Kelton Price and Heath Peyton from Piute. The Girls 1 A All-State players from Panguitch. Kalani Norris was first team, Chelsie Barney was on the second team and Shelby Taylor made honororable mention. From Piute Kandic Gleave was the MW and Loni Allen and Amada Bagley were all on the first team. All of the first team players were invited to a banquet up in SLC. Got a report of the successful bantam wrestling tournament held in Panguitch on March 20th. There were about 450 wrestlers and their parents that were here said it came off without a hitch. There were 7 mats, and Kory Owens coordinated everything and they were out of the gym in three hours. Kory said that all of our kids did really well with many wins, but he was afraid he would leave someone out if we put in their names. Next up is the State meet and Kory feels there will be about 50 kids from Panguitch competing, so if you parents will give me their names or to Kory will get them in the news. Kanab Track meet. Girls finished 3rd and boys 4th out of 10 teams. 1st place Brooks Leach* (shot put), Andrew Sawyer* (discus), Kalani Norris* (shot put and discus), Carly Holman (800 M), Medley Relay, Katie Rosser, Bailey Palmer, Frecia Houston, and Kalani Norris*. 2nd Katie Rosser (3200M) Jaylen Dodds* (discus), Andrew Sawyer (discus) 4x400 Relay, Carlly Holman, Katelyn Parkin, Halie Taylor, Katie Rosser*. 3rd Katie Rosser (1600M) Riley Miller (300 Hurd,)Brooks Leach (discus) Eric Frandsen went to the largest meet in the state at Pine View and finished 3rd in the 110 hurdles and 300 m hurdles. (* means their marks were good enough to qualify for state) - BLM SEEKS NOMINATIONS FOR UTAH'S RESOURCE ADVISORY COUNCIL Utah residents interested in the management and conservation of public lands have an opportunity to become directly involved through participation on the Bureau of Land Management (BLM) Utah Resource Advisory Council (RAC). Council members provide advice and recommendations to the BLM concerning the use and management of 22 million acres of public land in Utah. "I value the advice given to the BLM by these citizen-based Resource Advisory Committees, and I know that Interior Secretary Ken Salazar shares my view of their importance," said BLM Director Bob Abbey. "The people who live, work, and recreate near or on BLM-managed lands deserve a formal voice on public land issues, and their input will enhance our agency's ability to manage the public lands for multiple uses while conserving resources for future generations." "The RAC has been an excellent way to keep citizens engaged in the resource issues facing the public lands in Utah," said BLM Utah state director Selma Sierra. "BLM managers look forward to having more Utahans become involved in this collaborative process, bringing fresh ideas to the table." Nominations are being accepted for six (6) positions on the Utah RAC. One of the six is for the vacant position of State Agency Representative. This nominee will complete the term, ending September 2011, of a previous RAC member. The remaining five (5) vacancies on this citizen-based council are for complete three-year terms. BLM consults with Utah Governor Herbert before forwarding its recommendations to the Secretary of the Interior for final decision. The Utah RAC consists of 15 members. The RAC charter provides for members to serve 3-year terms, on a staggered basis, with one-third of the council subject to appointment or reappointment each year. The following positions are open on the RAC this year: • Two positions in Category One (Commodity), which includes holders of federal grazing permits, energy and mineral development, timber industry, transportation or rights-ofway, off-highway vehicle use and commercial recreation interests. • One position in Category Two (Non-Commodity), which includes nationally or regionally recognized environmental organizations, archaeological and historic interests, dispersed recreation and wild horse and burro groups. • Three positions in Category Three (Local Area Interest) which includes holders of State, county or local elected office, Native American Tribes, employees of a State agency responsible for management of natural resources, academicians involved in natural sciences and the public-atlarge. Nominees will be evaluated on their education, training, and experience with issues involving public lands in Utah. They should have demonstrated a commitment to collaborative resource decision-making. RAC members serve without monetary compensation, but are reimbursed for travel and meal expenses. All nominations must be accompanied by letters of reference (a minimum of two) from the interests or organizations to be represented, a completed nomination form, as well as, any other information that speaks to the nominee's qualifications. Nomination forms are available from BLM offices and from BLM's website at http://www.blm.gov/ ut/st/en.html. The deadline for sending nominations and letters of support to the BLM is Monday, May 10, 2010. All nominations and letters of reference should be sent to: Bureau of Land Management, Utah State Office, 440 West 200 South, Suite 500, Salt Lake City, Utah, 84101, Attn: Sherry Foot. For additional information, contact Special Programs Coordinator, Sherry Foot at (801) 5394195. |