Phil Ruth Insurance

08/04/2026

New logo? 😂

View the full image in ChatGPT.

06/30/2026

Our office will be closed July 3 in observance of Independence Day.

Be safe you ungrateful colonists!
Remember, it’s only treason if you lose!

06/08/2026

We have been seeing an increase of individuals coming in to get their driver license without filling out the new 50 Hour Affidavit form. Please ensure this form is filled out before arriving at a BMV location. Get the form at https://bit.ly/4vxC7lv

New drivers can use the RoadReady App to log their drive time. Learn more at https://otso.ohio.gov/programs/ohio-driver-training/for-drivers/resources/road-ready-ohio/

05/05/2026

Happy Star Wars Day. May the 4 be with you.

03/16/2026

Ohio saw a lot of storm damage over the weekend. The storm chasers will be out. Here is some information from the Wayne Insurance Group and the Ohio Department of Insurance. These tips should help you avoid issues when hiring a contractor.

1. Contact your agent or your insurance company to file a claim before hiring a contractor. The company will verify the repairs that need to be made.

2. Make sure the contractor you hire is legitimate. Search for the individual and/or company online and read reviews. Find out if there are complaints against the contractor with the Better Business Bureau and the Ohio Attorney General’s Office. Ask for references.

3. Know the warning signs of a bad business. A reputable business will not pressure you to make a quick decision, and it won’t ask you to pay the entire amount upfront.

4. Don’t pay in full upfront. Pay in installments with a check or credit card to leave a record of your payments. Get an invoice and a receipt.

5. Get an estimate from at least three different contractors. A lower estimate doesn't mean it's the best deal. Make sure the quotes include the same things, and check references.

6. Be cautious about signing an assignment of benefits. This is an agreement a policyholder signs that allows a third party, such as a contractor, to act on behalf of the policyholder. The agreement allows direct payment from the insurance company.

7. Get a written contract. The contract should include every task and repair the contractor plans to make. It should also include start/finish dates and prices for repairs and materials. Don’t sign a blank contract.

8. Obtain the contractor’s essential business information. Before making a hire, get:
-The contractor’s identification with their name and business name.
-A copy of the contractor’s proof of liability insurance. Make sure it shows the person or company’s name, phone number, and policy number. Call the insurance company to verify the coverage.
-A copy of the contractor’s proof of workers’ compensation insurance.

9. Educate yourself about the property damage recovery process and insurance. Visit insurance.ohio.gov and naic.org for information.

Ohioans who believe they've been defrauded by a contractor or encouraged to fabricate an insurance claim should contact the Ohio Department of Insurance at 800-686-1527 or via insurance.ohio.gov.

Courtesy of the Ohio Department of Insurance

02/20/2026

Friday, February 20, 2026
Our internet and phones are sporadic today (that’s a nice way of saying they are barely working).

Please, please, please leave a voicemail if we don’t answer. It probably means the phone never rang.

I’ve reached out to our internet provider.

Thank you.

02/14/2026

Delta Theta Sigma - Eta Chapter Cupid Classic Cattle show. Good luck to all the competitors.

02/04/2026

These AI photos are fun. Both Laney and I look younger…thinner too.
Happy Golden Retriever Day!

01/26/2026

We haven’t had deep snow like this in a few years, so here is a tip for you if your car is stuck in deep snow.

Traction control is designed to stop tires from free spinning and causing you to lose control of your car in slippery road conditions.

What traction control ISN’T good at is getting your car out of snow if you’re stuck. Sometimes, you need to spin tires to get yourself unstuck. That traction control is going to prevent your tires from spinning.

If you are at a standstill in snow, turn the traction control off. Once you get moving, then turn it back on.
There will probably be a button on your dash with some 3 letter abbreviation. Consult your owner’s manual.

Even if you have an AWD or four wheel drive SUV, most of them need to have the traction control off to get through deep snow (at low speed).

Be safe, and only drive if you have to.

01/25/2026

Our office will be closed Monday, January 26, 2026 due to road conditions.

Phone, email, and text will be monitored.

Stay safe, stay warm, and we will be back in the office later in the week.

Thank you!