EFM&A Welcomes Kyle Tyrpak

Emerling Floss Murphy & Associates is pleased to announce that Kyle Tyrpak has joined EFM&A as a Commercial Lines Account Manager.

With 11 years of experience in the industry, Kyle brings a wealth of expertise in insurance knowledge, prompt service, and exceptional client assistance. He takes pride in being responsive to insureds’ needs, guiding them through the intricacies of insurance, and building strong client relationships. As a proud member of Big I Insurance, NextGen, he is committed to professional growth and development.

Outside of work, he enjoys playing golf, video games, basketball, and watching the Bills. He is getting married in October and cherishes spending time with family and friends.

Please join us in welcoming Kyle to the team!

Three Years of Emerling Floss Murphy & Associates

Dear Friends of Emerling Floss Murphy & Associates,

 

The three separate family-owned and operated entities of Floss Agency, Inc. in East Amherst; Emerling Agency LLC in Clarence and ML Murphy Agency, Inc. in Lockport became one entity on July 1st, 2020 and we continue to operate out of Lockport and Clarence locations Three years down, and perhaps 300 more years to go!

 

We merged to benefit our clients and associates, to create opportunities for others in the organization, and to carry on the legacy of helping clients find the best insurance coverage and value. We merged to attract talent in Benefits, Life Insurance, and Financial services to better serve our clients’ insurance needs. Uniting gave us the scale to accomplish this without compromising the values that have driven our success. The merger was a groundbreaking event, as the Insurance Agents Association reported.

 

As we enter our fourth year in operation as Emerling, Floss, Murphy & Associates, LLC.; on behalf of our ownership group, I wanted to thank our clients, our Associates, our Core Carrier partners, and our Agency Partners in the EMS group.

 

To our Valued Clients:
Thank you for your loyalty and friendship. The continued growth and success as an organization depends on your continued support of our small business. We are keenly aware that we must earn the right to service your insurance needs every day. Please call on us if you have any questions or service concerns. We strive for excellence and are focused on continual improvement as an organization.

 

To our Associates (All employees at EFM&A):
Thank you for your dedication to our clients and for representing our brand so well. As you know, our reputation is far more important to us than anything! Keep up the great work!

 

To our Core Carrier Partner:
Thank you for providing us with unique and competitive products to offer our clients. We look forward to growing with all of you.

 

To our EMS GROUP agency partners:
As all may be aware, to better serve our clients; we collaborate best practices and aggregate some carrier production requirements with two other family-owned and operated Agencies for over 30 years. We are proud to be associated with Stahlka and McMahon Agencies. It is great working with you and we appreciate the mutual respect and accountability our relationship provides.

 

 

Sincerely,
Joe Floss
President, Emerling Floss Murphy & Associates

EFM&A Welcomes Dawn Weitz

We are pleased to announce that Dawn Weitz has joined the EFM&A customer service team.

Dawn joins us as our new Director of First Impressions at our Clarence Branch. Dawn has received a lot of recognition for her excellent customer service throughout her career and even wrote a customer service training manual.

Please join us in welcoming Dawn to our team!

EFM&A Welcomes Karen Schulze

We are pleased to announce that Karen Schulze has joined the EFM&A team in customer service. With four years of experience at AAA Insurance, Karen brings valuable expertise as a Personal Lines Account Manager.

Please join us in warmly welcoming Karen to our team and look forward to her contributions.

EFM&A Welcomes Mathew Gugino

EFM&A is pleased to announce the hiring of Mathew Gugino as an Account Executive, bringing with him over 14 years of experience in the insurance and financial industry. Mr. Gugino previously worked for Allstate and Great Lakes and is certified in Personal, Commercial, and Life Insurance. Many of his original clients have continued with him at EFM&A.

Mathew was an award-winning agent with Allstate and a member of their Honor Ring. He also has experience working with first responders, including law enforcement professionals and the FBI. He recently decided to join Harris Hill Volunteer Fire Company as a fireman.

Please join us in welcoming Mathew.

10 Bad Habits That Aren’t Good for Your Car

Bad habits. We all have them. And sometimes, they can be hard to shake. This is especially true when it comes to driving. Depending on how many years you’ve spent behind the wheel, certain habits may be deeply ingrained by now. And many of them can be bad for your car.

DRIVING ON EMPTY

Whether you’re running late and forget to fill up, or you’re just not paying attention to your fuel gauge, finding yourself low on gas can happen from time to time. But running out of gas is more than just inconvenient; it can also be hard on your car.

Why? Because critical components, like your vehicle’s fuel pump, aren’t designed to operate without gas. The fuel pump is submerged in the gas tank, where it uses fuel to cool and lubricate the mechanisms in the pump. Most fuel pumps can last for the life of your vehicle.

But when you run your car on empty, the pump can overheat, which could lead to a costly failure. And because the gas tank typically needs to be drained and removed to replace the pump, this labor-intensive job could cost upward of $1,000 to repair.

DRIVING THROUGH DEEP WATER

If you approach any kind of flooding, including large puddles of groundwater, you may be tempted to drive right through. But your best—and safest—course of action is always to turn around and find another route. What may not seem like a lot of water can in fact be quite dangerous when you’re behind the wheel.

For starters, it can be hard to gauge how deep the water is, and you can’t see what debris or other hazards may be below the water.

On top of that, driving through deep water can damage or destroy your vehicle’s engine, transmission and other critical components. It can also cause irreversible damage to your car’s complex electrical system. Because of this long-lasting damage, a flooded vehicle is often considered a total loss by insurance providers.

DELAYING MAINTENANCE

Every vehicle manufacturer recommends following a routine maintenance schedule to keep your car running in tip-top shape. In the short term, it may seem like there’s no harm in skipping an oil change, air filter replacement or tire rotation. But the truth is, taking care of these preventative maintenance tasks now can save you from needing major repairs later.

IGNORING WARNING LIGHTS

Modern cars feature a host of warning lights, and each is there to notify you of a particular problem with your vehicle. Ignoring these warning lights could leave you with a major repair down the road. Depending on the problem, it could even jeopardize the safety of you and your passengers.

So don’t make a habit of ignoring your vehicle’s warning lights. The next time that “check engine” light starts flashing, consult your car’s manual and if need be, take your car to a qualified mechanic to get it checked out.

NOT CHECKING YOUR TIRE PRESSURE

One of the easiest car maintenance tasks to ignore is checking your tire pressure. After all, if your tire isn’t flat, what’s the big deal? But not running your tires at the manufacturer’s recommended air pressure can cause a host of problems ranging from premature or uneven tire wear to bad handling and poor fuel economy.

For that reason, experts recommend that you make a habit of checking your tire pressure once a month. And remember that when it’s cold, your tire pressure will drop between one and two pounds per square inch (PSI) for every ten-degree decrease in temperature. So pay extra attention to your tires as the seasons change.

RIDING THE BRAKES

Your car’s brakes represent one of its most important safety systems. But hitting the brake pedal too hard, or using the brakes too often, can leave this system severely compromised.

For example, applying the brakes for a prolonged period of time (like when slowing your car down a long hill) can cause them to overheat. And when your brakes get too hot, their stopping power is greatly reduced.

Overuse of your brakes can have long-term consequences, too. More braking means you’ll wear through pads and rotors faster, which translates to more frequent service intervals. You can also expect to pay more at the pump, thanks to lower fuel economy caused by frequent braking.

To “break” this bad habit, try to leave some extra space between you and other cars on the roadway. And if you’re descending a long hill, try shifting your car out of overdrive and into a lower gear; this will allow the engine to do some of the braking for you.

DRIVING TOO FAST OVER SPEED BUMPS

Speed bumps are installed to help slow down traffic, making areas safer for pedestrians. If you drive over a speed bump at a slow speed, your car will be unharmed. But hit a speed bump faster than about 10 miles per hour, and you can do serious damage to your car.

The sudden impact of a speed bump could cause your suspension to bottom out, damaging your shocks and struts. It could also bend other important suspension components or knock your car out of alignment. So take it slow!

LETTING YOUR CAR SIT FOR LONG PERIODS

Parking your car for extended periods of time can take its toll on your vehicle. The time it takes for your vehicle to be damaged by long-term storage will vary based on several factors, including the location of your parked car and how well you’ve prepared it.

However, the negative effects of time on an undriven vehicle can be observed sooner than you may think.

When your car is left undriven, the fuel and battery can go bad. Tires and rubber belts can crack. Rust can begin to form. And rodents could even make your car their new home.

If you have a college student away, for example, consider using a battery maintainer while the car sits. Since maintainers are used for maintenance during periods when cars aren’t going to be used, time isn’t of the essence when charging. This means that a maintainer can give a battery a “low and slow” charge, which is better for its health than a faster charge or a jump.

HITTING POTHOLES

If you live in an area that sees cold winters, the constant freeze-thaw cycles can make potholes a common sight on the roadways. When driving, you should do your best to avoid hitting them at all costs.

Potholes can cause damage to your vehicle ranging from flat tires or bent wheels to much pricier damage to your suspension, steering system or exhaust system. Next time you encounter a pothole, try to swerve around it. If swerving isn’t possible, reduce your speed to lessen the impact—and any potential damage.

NOT REGULARLY WASHING YOUR CAR

Everybody can appreciate how good a freshly washed car looks. But the benefits of a clean vehicle extend far beyond the visual appeal. If you go long periods of time without washing your car, all that dirt and grime will embed itself in the painted surfaces and will eventually eat away at the clear coat, causing permanent damage.

The consequences are even greater if you live in an area that uses road salt to melt the ice and snow. That’s because salt creates chemical reactions that can corrode the components on your car. This is especially true for any exposed metal, like brake lines and fuel lines.

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