Contact Us: ​(936) 327-4364
FIRST COMMUNITY FINANCIAL GROUP, INC.
  • Home
  • Quotes
    • Auto Quotes >
      • ATV Insurance Quote
      • Auto Insurance Quote
      • Classic Car Insurance Quote
      • Golf Cart Insurance Quote
      • Motorcycle Quote
      • RV Insurance Quote
      • SR22 Insurance Quote
    • Property Quotes >
      • Home Insurance Quote
      • Condo Insurance Quote
      • Flood Insurance Quote
      • Landlords Insurance Quote
      • Mobile Home Insurance Quote
      • Renters Insurance Quote
    • Business Quotes >
      • Business Insurance Quote
      • Business Owners Package (BOP) Insurance Quote
      • Builder’s Risk Quote
      • Commercial Auto Quote
      • Farm Insurance Quote
      • Garage & Garagekeeper’s Quote
      • General Liability Quote
      • Insurance Bond Quote
      • Workers Compensation Quote
    • Health Quotes >
      • Health Insurance Quote
    • Other Quotes >
      • Boat Insurance Quote
      • Event Insurance Quote
      • Pet Insurance Quote
      • Umbrella Insurance Quote
  • Service
    • Report a Claim
    • Policy Review
    • Make a Payment
    • Update Contact Info
    • Policy Changes
    • Proof of Insurance
    • Contact My Carrier
    • Free Consultation
  • Insurance
    • Vehicles >
      • Auto Insurance
      • ATV Insurance
      • Boat Insurance
      • Classic Car Insurance
      • Golf Cart Insurance
      • Motorcycle Insurance
      • RV Insurance
      • SR22 Insurance
    • Property >
      • Home Insurance
      • Condo Insurance
      • Flood Insurance
      • Landlords Insurance
      • Mobile Home Insurance
      • Renters Insurance
    • Business >
      • Business Insurance
      • Business Owners Package (BOP) Insurance
      • Builder’s Risk Insurance
      • Commercial Auto Insurance
      • Farm Insurance
      • Garage & Garagekeeper’s Insurance
      • General Liability
      • Insurance Bonds
      • Workers Compensation
    • Health >
      • Health Insurance
    • Other >
      • Event Insurance
      • Pet Insurance
      • Umbrella Insurance
  • About
    • Our Staff
    • Client Testimonials
    • Refer a Friend
    • Agency Photo Gallery
    • Accessibility Statement
    • Insurance Carriers
    • News
    • Blog
  • Contact
  • Home
  • Quotes
    • Auto Quotes >
      • ATV Insurance Quote
      • Auto Insurance Quote
      • Classic Car Insurance Quote
      • Golf Cart Insurance Quote
      • Motorcycle Quote
      • RV Insurance Quote
      • SR22 Insurance Quote
    • Property Quotes >
      • Home Insurance Quote
      • Condo Insurance Quote
      • Flood Insurance Quote
      • Landlords Insurance Quote
      • Mobile Home Insurance Quote
      • Renters Insurance Quote
    • Business Quotes >
      • Business Insurance Quote
      • Business Owners Package (BOP) Insurance Quote
      • Builder’s Risk Quote
      • Commercial Auto Quote
      • Farm Insurance Quote
      • Garage & Garagekeeper’s Quote
      • General Liability Quote
      • Insurance Bond Quote
      • Workers Compensation Quote
    • Health Quotes >
      • Health Insurance Quote
    • Other Quotes >
      • Boat Insurance Quote
      • Event Insurance Quote
      • Pet Insurance Quote
      • Umbrella Insurance Quote
  • Service
    • Report a Claim
    • Policy Review
    • Make a Payment
    • Update Contact Info
    • Policy Changes
    • Proof of Insurance
    • Contact My Carrier
    • Free Consultation
  • Insurance
    • Vehicles >
      • Auto Insurance
      • ATV Insurance
      • Boat Insurance
      • Classic Car Insurance
      • Golf Cart Insurance
      • Motorcycle Insurance
      • RV Insurance
      • SR22 Insurance
    • Property >
      • Home Insurance
      • Condo Insurance
      • Flood Insurance
      • Landlords Insurance
      • Mobile Home Insurance
      • Renters Insurance
    • Business >
      • Business Insurance
      • Business Owners Package (BOP) Insurance
      • Builder’s Risk Insurance
      • Commercial Auto Insurance
      • Farm Insurance
      • Garage & Garagekeeper’s Insurance
      • General Liability
      • Insurance Bonds
      • Workers Compensation
    • Health >
      • Health Insurance
    • Other >
      • Event Insurance
      • Pet Insurance
      • Umbrella Insurance
  • About
    • Our Staff
    • Client Testimonials
    • Refer a Friend
    • Agency Photo Gallery
    • Accessibility Statement
    • Insurance Carriers
    • News
    • Blog
  • Contact

First Community Financial Group, Inc. Blog

Insurance pointers and timely information at your fingertips.

The Dangers of Distracted Driving: Staying Focused on the Road

4/21/2025

0 Comments

 

In today’s fast-paced world, it’s too easy to let distractions invade our time behind the wheel. Distracted driving is a growing concern that poses a significant risk not only to the driver but also to passengers and others on the road. As technology becomes more embedded in our daily lives, understanding the dangers and consequences of distracted driving is more important than ever.

What is Distracted Driving?

Distracted driving refers to any activity that diverts attention from driving. This includes using your phone to text or call, eating and drinking, adjusting the radio, or even having a conversation with passengers. According to the National Highway Traffic Safety Administration (NHTSA), over 390,000 injuries occur each year due to accidents involving texting while driving.

Why It Matters

The consequences of distracted driving can be severe. In 2021 alone, nearly 3,500 lives were lost due to accidents caused by distractions. A moment of inattention can lead to devastating outcomes, affecting not just the distracted driver but also innocent people on the road.

Tips to Stay Focused

1. **Put Your Phone Away: ** If possible, silence your phone and store it out of reach. Use apps that block notifications while driving to minimize temptation.

2. **Plan Ahead: ** Before getting on the road, set your GPS, adjust your music, and ensure everything you need for your trip is within reach.

3. **Limit Passenger Distractions: ** Encourage passengers to keep conversations light and avoid engaging in activities that could distract you while driving.

4. **Stay Calm: ** If you 're feeling stressed or anxious, take a moment to breathe and focus on the road. Pull over safely if you need to regroup.

5. **Educate Others: ** Share knowledge about the dangers of distracted driving with friends and family. Raising awareness can help create a culture of safer driving practices.

Distracted driving is a preventable hazard that demands our attention. By staying focused behind the wheel, we can protect ourselves and others on the road. Let’s commit to safer driving habits and help reduce the alarming statistics around distracted driving. Remember, when you operate a motor vehicle, nothing should divert your attention from the road ahead. Safe travels!
Picture
0 Comments

Replacement Cost Vs. Actual Cash Value - Personal Lines

12/26/2024

0 Comments

 
​When it comes to protecting your home and belongings, understanding your insurance options is crucial. Two common types of coverage are replacement cost value (RCV) and actual cash value (ACV). 

To help clarify your options, we've prepared an overview of these coverages. Swipe through to learn more. 

Contact us today to discuss your coverage needs and find the best solution for your peace of mind.
0 Comments

Foremost Choice Recreational Vehicle Programs Highlights -- Are you ready for your next adventure?

2/22/2024

0 Comments

 
0 Comments

Keep Your ATV Adventures Safe

10/25/2022

0 Comments

 
Picture

​Unique among motor sports, driving all-terrain vehicles in Texas combines an exhilarating workout with a test of maneuvering skills and a hearty dose of adrenaline. Fun as it is though, it can be a risky activity. So, take a systematic approach to keeping things safe before, during and after your outings.

Before You Go

·        Take a Course
Formal hands-on training courses cover how to control ATVs in commonplace situations. The ATV Safety Institute typically offers its ATV Rider Course free to anyone who buys a new qualifying machine from an institute member. Call 1-800-887-2887 or visit atvsafety.org for class information.


·        Dress for Success
A motorcycle or other motorized sports helmet, certified by the U.S. Department of Transportation, is a must. You’ll also want to suit up with over-the-ankle boots and long pants, a long-sleeved shirt, goggles and gloves.


·        Remember Insurance
Riding on state-owned land? Many states requireATV insurance, which offers coverage options similar to what’s available for motorcycles – liability, comprehensive, collision, safety apparel replacement, roadside assistance and more.

During the Ride

·        Don’t Share the Seat
You’ll want to be free to shift your weight according to the terrain and the situation. Passengers make it difficult – and dangerous.


·        Stay Off the Road
ATVs simply aren't street-legal machines, at least not in most states. The solid rear axle with no differential means they can be hard to handle on pavement.


·        Let Kids Be Kids
Children should never be allowed to drive or ride on an adult ATV. Someone under 16 on an adult ATV is twice as likely to sustain an injury as a child riding a youth ATV, according to ATVSafety.gov.

After the Outing

·        Wait to Celebrate
This is when you get to unwind with a cold one, not before. You need sharp reaction time and judgment, so don’t ever drive ATVs under the influence of alcohol or drugs.
​
We here at First Community Financial Group want you to enjoy your ATV outings this summer, while staying safe. Just give us a ring if we can help you explore ATV insurance options!

0 Comments

Golf Cart Safety - 15 Tips to Avoid Injury

5/27/2022

0 Comments

 
Picture
Golf Carts look quite easy to drive, but they sure handle differently than other vehicles. When I was 14, I thought I could just hop on one and drive it like a pro. Well I drove it … right into a tree. I learned the hard way that I should’ve taken things slow and let someone else teach me how to drive it. Now I know how to drive one – without crashing – and so can you! Here are some Golf Cart safety tips to read up on before you hit the gas and make the same mistake I did.


1.     Check your state-specific laws for age and license requirements.
2.    If it's someone else's Golf Cart, have them show you how everything works. They'll know how it runs and how you should safely handle it. If it's yours and you're riding for the first time, read the owner's manual, take things slow and practice.
3.     Keep all body parts in the vehicle and wear seat belts if available.
4.     Carry no more than the designated amount of passengers (or the total number of seats).
5.     Never drive any vehicle under the influence.
6.     Golf Carts can tip quite easily, so take turns, inclines and declines slowly.
7.     Avoid distractions, such as using your phone while driving.
8.     Don't allow anyone to stand in/on the vehicle while in motion.
9.     Obey all traffic laws.
10.  Use hand signals if the cart isn't equipped with turn signals.
11.  Yield to pedestrians.
12.  Check your blind spots.
13.  Look behind you before backing up.
14.  Don't leave keys in the Golf Cart.
15.  Avoid driving if you see lightning.
Review your manufacturer's guide for other warnings and safety guidelines!

To protect your Golf Cart, insure it with Foremost®! Don't let your fun get cut short because you didn't get the right coverage for your ride. Luckily, an agent can help you choose the right policy for your Golf Cart.
​
Visit: Foremost.com/Products/Golf-Cart/ for more information.

0 Comments

    Contact Us

    (936) 327-4364
    115 W. Polk St.
    Livingston, TX 77351​
    Click Here to Email Us

    Archives

    May 2025
    April 2025
    March 2025
    February 2025
    January 2025
    December 2024
    November 2024
    October 2024
    September 2024
    August 2024
    July 2024
    June 2024
    May 2024
    April 2024
    March 2024
    February 2024
    January 2024
    December 2023
    November 2023
    October 2023
    September 2023
    August 2023
    July 2023
    June 2023
    May 2023
    April 2023
    March 2023
    February 2023
    January 2023
    December 2022
    November 2022
    October 2022
    September 2022
    August 2022
    July 2022
    June 2022
    May 2022
    April 2022

    Categories

    All
    ATV's
    Autos
    Boat
    Builder's Risk
    Business Insurance
    Classic Vehicles
    Commercial Insurance
    Condo
    Do It Yourself
    FAQs
    Farm
    Financial
    Flood
    Fun
    Getting Organized
    Golf Carts
    Health And Wellness
    Holiday Info
    Homes
    Hurricane Season
    Insurance
    Jewelry Insurance
    Life Insurance
    Local
    Mobile Homes
    Mother's Day
    Motorcycles
    Renters
    RV's
    Safety
    Savings
    Seasonal
    Small Business
    SR22 Insurance
    Summer
    Teen Drivers
    The More You Know
    Tiny Home
    Travel
    Valuable Items
    YouTube

    RSS Feed

Navigation

Homepage
Insurance Quotes
Policy Service
Insurance Products
Contact Us
Agent Login

Connect With Us

Share This Page

Contact Us

First Community Financial Group, Inc.
115 W. Polk St.
Livingston, TX 77351
(936) 327-4364
​Click Here to Email Us
Review Us

Location

Picture
Lake Livingston State Park Dock photo by Larry D. Moore | CC-BY-4.0 |  Website by InsuranceSplash