Friday, December 26, 2008

Zurich and Farmers Insurance Spread Holiday Cheer across the Country


Employees donate time and money to help people in need

SCHAUMBURG, Ill.--(BUSINESS WIRE)--Zurich in North America, a leading property and casualty insurance provider and its U.S. subsidiary Farmers Insurance Group are making this holiday season brighter for people who need a helping hand. Employees from both companies are volunteering their time across the country to help children, the elderly, the homeless and members of the armed forces.

“I am proud of the many ways our Zurich offices from coast to coast have volunteered and given back to the communities where we work and live,” said Mike Foley, CEO of Zurich North America Commercial. “Economically challenging times have not deterred our employees from serving as a Zurich HelpPoint, by helping replenish food pantries, granting children's wishes, and providing warm clothing for veterans, seniors and families in need. It's the true spirit of the holiday season.”

A few examples of how Zurich and Farmers employees are giving back include:

Donating gifts at giving trees in twenty-one locations across the country benefiting various charitable organizations including the Salvation Army Baskets for Elderly program, New York Cares Winter Wishes and Chicago Public Schools;
Organizing food drives that help the needy in Los Angeles, Charlotte, N.C. and Indianapolis;
Ensuring children have toys this holiday by working with Toys for Tots in Pittsburgh, a teddy bear drive to benefit the Hollywood (Calif.) Boys & Girls Club, and donating gifts cards to underprivileged kids in New Orleans through the Fore!Kids Foundation.
Making a $35,000 donation to the Make-A-Wish Foundation of Metro New York and helping to sponsor wishes for two children; and
Adopting military families to support those who have loved ones serving overseas this holiday.
“Our employees are a shining example of the true nature of this season by giving their time and money,” said Robert Woudstra, President of Farmers Group Inc. “Farmers and Zurich are fortunate to have dedicated people who are willing to help others who may be less fortunate in life. It’s the selfless giving that makes me proud to be a part of the Zurich family.”

About Zurich

Zurich's North America Commercial and Global Corporate in North America business divisions are part of Zurich Financial Services Group (Zurich), an insurance-based financial services provider with a global network of subsidiaries and offices in North America and Europe as well as in Asia Pacific, Latin America and other markets. Founded in 1872, the Group is headquartered in Zurich, Switzerland. It employs approximately 60,000 people serving customers in more than 170 countries. In North America, Zurich (www.zurichna.com) is a leading commercial property-casualty insurance provider serving the global corporate, large corporate, middle market, specialties and programs sectors.

About Farmers Insurance Group

Farmers Group, Inc. is a wholly owned subsidiary of Zurich Financial Services, an insurance-based financial services provider with a global network of subsidiaries and offices in North America and Europe as well as in Asia Pacific, Latin America and other markets. Farmers® is the nation's third-largest Personal Lines Property & Casualty insurance group. Property and casualty products are underwritten and issued by the Farmers Exchanges and their subsidiaries, which Farmers Group, Inc. manages but does not own. Headquartered in Los Angeles, Farmers insurers provide Homeowners, Auto, Business, Life insurance and financial services to more than 10 million households. For more information about Farmers, visit our Web site at www.farmers.com.

Saturday, December 20, 2008

Friday's updated ice storm blog


DERRY, 5:02 p.m. Officials are warning residents who anticipate the need for shelter that they should seek it before the storm intensifies. Travel will be extremely hazardous tonight in areas where power lines are still in the roadways. The public works department will not be plowing those areas due to that hazard, according to information released by the emergency operations center. For more information, call 845-5522.

EPPING, 4:55 p.m. Power has been restored to most of the town, with only isolated areas still in the dark, according to Fire Chief Skip Galvin.

Power that had been restored to the Prescott Road area was knocked out for a time again today, but Galvin said he believes the power is back on.

Fire officials are keeping a close eye on the weather forecast for Sunday’s snowstorm and hoping they won’t be facing a repeat of last week’s ice storm. “We may be back into what we were before,” Galvin said.

Galvin praised the emergency workers and volunteer firefighters who worked long hours to helping people in the ice storm recovery effort. Many had no power at their own homes. “I’ve got to give them credit for doing what they did,” he said.

DANVILLE, 4:27 p.m. Residents of Cotton Farm Village mobile home park won’t be getting their power back on until Sunday, local officials said this afternoon.

While Unitil expects to have power back on for almost all of its customers by tonight, PSNH is continuing to work on its lines and it appears that Cotton Farm Village, which has about 140 residences, will have to wait longer than others, Police Chief Wade Parsons said.

Parsons said he hopes the tree trimming that’s been done over the last few days will be enough to spare the area more outages from snowstorms this weekend.

Police have reported no break-ins of darkened homes, Parsons said.

A shelter remains open at the Danville Fire Association Hall. It is expected to be open until power has been fully restored.

Because Cotton Farm Village will spend the weekend in the dark, officials expect the shelter will see more people seeking assistance.

MERRIMACK, 4:12 p.m. About 1,400 of the 11,600 PSNH customers in town were still without power as of this morning, according to town officials.

This afternoon, Town Manager Keith Hickey said there is no timeframe as to when the entire community will have power restored.

"PSNH is still out there, doing their thing," he said. "The areas (without power) are shrinking and the ability to fix a couple of poles and to get several hundred people on at one time...those opportunities have been exhausted, I think.

"Now, we are down to some of the more remote (areas) or repairs needing to be made that impact one or a few houses at the most. It's unfortunate, but I'm sure Public Service is doing the best they can and, as frustrating as it is, I think people have to remember that and do the best they can," added Hickey.

While Whittier Place and Spruce Street were some of the roads re-energized late Thursday night, the Camp Sargent and Peaslee roads section of town is just one example of where homes remain in the dark.

The town plans to file for disaster aid through FEMA and, if its application is approved, Merrimack could be eligible for a reimbursement of up to 75 percent of emergency costs associated with wages, gasoline, fuel, and supplies, according to Hickey.

Meanwhile, the school district released students prior to completion of a full school day Friday due to the storm that was expected to drop about 3-to-5 inches of snow. The state has said it may not require students to attend 180 days of school to accommodate districts hardest hit by last week's ice storm that have had days, if not a few weeks, of cancelations

Friday, December 12, 2008

Community helps man pull through


Friday, December 12, 2008
By Clint Confehr, Senior Staff Writer

CHAPEL HILL -- When Charles Mobley reflects on how well his team placed during the Southern Nationals 2008 Antique Tractor Pull in Tunica, Miss. last weekend, he doesn't count trophies. He's satisfied that from 25-30 "hooks" in a couple of classes, his tractor was among the top half -- finishing at about 12-14th -- during stiff competition between very strong machines.
It's a philosophy on life -- the glass is half full, not half empty -- for this man who, just a few years ago, enjoyed solitary fishing trips, the variety and intermingling of people as he worked one plumbing repair job after another, an hunting deer in the wilds of south central Tennessee counties. Those manly pursuits stem from an independent mind, a strong back, tradesman's talent, and two legs.

So, maybe it's ironic that practically all those pursuits are little more than memories now.

A deer crossed his path while driving on a dry, cold road at about 5:45 a.m. on Jan. 31, 2001. He was driving his 1995 Ford F-150 pickup truck.

"I swerved to avoid hitting the deer, over-corrected and just flipped it a couple of times -- rolled the vehicle," Mobley said. "It was in a slight curve ... on Arno Road in Williamson County."

An ambulance from Williamson County Medical Center and a Vanderbilt LifeFlight helicopter got him to Vanderbilt University Medical Center.

During what recovery was possible from a broken neck, pelvis and related injuries, there was a fundraising benefit at Chapel Hill Elementary School, and he's resumed a growing interest in antique tractors and competition during tractor pulls.

"Before I got hurt, we were getting out of the business of showing horses," Mobley said. "I was looking for a tractor to start pulling, but it got put on hold up until about two years ago."

Charles is a quadriplegic, so he doesn't drive, but he's participating.

"I'm instrumental mentally," he said of his role in a tractor pulling team that includes his wife, Terie, their son, Will, 22, and daughter, Audra, 19.

Terie does most of the tractor driving. Will and Audra drive, too.

"I try to tell them where to put the weights and what area of the track to try to pull on," Charles said. "You can get a bad spot on the track and it will be over before you get started.

"I'd always liked large-scale tractor pulling, but financially, the average person can't afford that," he said.

With antique tractors, "it's less expensive...You don't have the $40,000 engines. It's a whole different ball game with the big ones.

"It's a good family atmosphere with the small farm tractors.

"A lot of them are real farm tractors," Charles continued. "There is a farm stock (class) that comes from the field.

"Antique- and open-class tractors are a little modified," he said of changes allowed on motors and tires. "You can run different tire pressure to get a better bite (on the track, and) some tread designs just won't grab."

Audra says, with quiet understatement and love, that tractor pulls are her husband's passion, and it seems clear that she enjoys controlling something powerful.

Charles agrees: He's not debilitated by his disability. But this family that lives east of the Farmers Co-op at Chapel Hill is well-aware of the help from others, the friendships and interdependence of community.

They drove toward Tunica last weekend to meet up with a convoy that left early to avoid bad weather on the road.

The barbecue supper and auction at the elementary school was significant financially. It was also a reflection of support.

"Insurance did great," Charles said. "They took care of most of my bills and the auction included a lot of friends and amily."

With those factors, the difference between insurance coverage and actual bills, there were no debts from hospitalization, he said.

There have been changes to the house on secluded property. There's a ramp, handicap access throughout and there's the used short bus, bought for the handicap accessibility.

"I already had God," Charles said. "I'm a member of the Church of Christ. I know my Lord and I know he carries me through. I know I don't make it alone.

"It was a difficult change, a total life turn around from being totally active to being inactive."

He suffered a C-6 spinal chord injury and his pelvic bone was broken in five places. Attention to his pelvis delayed neck surgery where there was "complete severance of the spinal chord," Charles explained. "My neck shifted and was separated."

Swelling at the injury, effectively, finished off the wound, ending use of limbs and so many other parts of his body.

"There are some people who had the same injury I had and they had surgery within the first few hours and were capable of carrying on with their life," he said.

"They had me under sedation for 14 days at Vanderbilt," Charles said.

He was transferred to a recovery center where he was discharged in mid April of that year, nearly two and a half months after the crash.

The benefit barbecue was nearly nine years ago.

Last year, daughter Audra graduated from Forrest High School. She's now working in Cool Springs selling ice cream

The Mobleys' son, Will, works for an ambulance service in Nashville and is a volunteer firefighter at the Chapel Hill Fire Department, and he's a medic for the United Cheerleaders Association.

Charles, 52, and Terie, 45, have been married 27 years. They both work for Don Wood Plumbing Co. in Franklin. She provides a wide-variety of secretarial services.

"I price our plumbing stock," Charles said.

He's constantly looking for the best deals for the business. The price of metals and petroleum products, like PVC pipe, are monitored for deals.

They commute to the Franklin business in a van.

Their life is quite different from their individual origins. She was born in California. Cook County, Chicago, is where he's from. She went to Page High School in Williamson County. His high school is in College Grove.

Now, they're a family that counts blessings, travels for hours to compete in a tractor pull, and views the world through a glass that carries a refreshing beverage.

Sunday, December 7, 2008

Athletes Awarded for Academics


Wheeling -- The Super Six brings an exciting weekend for High School Football in West Virginia, but that doesn’t mean academic achievement is overlooked.

The showroom at Wheeling Island Hotel, Casino and Racetrack played host to an awards brunch Saturday.

The event is held by the West Virginia Secondary Schools Activities Commission and sponsored by State Farm Insurance.

Individual awards are based on grade point average.

In case of a tie, attendance, citizenship and sports participation are considered.

Bridge Street Middle School received team awards for football, girls track, band and cheerleading.

Wheeling Park High School won team awards in girls’ soccer, girls’ track and band.

Monday, December 1, 2008

Wilson’s natural genius for deception almost led to the perfect murder


It could so easily have been the perfect murder. Never had Robert Wilson needed his genius for deception more than when he dialled 999 at 6.15pm on December 1 last year.

For eight-and-a-half minutes, his voice trembling with emotion, Wilson struggled to describe the horrific scene before him in the barn at Kirkandrews-on-Eden:

Operator: Ambulance, emergency.

Wilson: I’ve run over my wife.

Operator: What’s the problem there? Tell me exactly what’s happened.

Wilson: I’ve run over my wife. We’ve been feeding the cows. One of the cows must have knocked her and I’ve run over her.

Operator: You’ve run over your wife yes? In a tractor?

Wilson: On a tractor

Operator: Are you with the patient?

Wilson: Yes. Can I please drag her out of the way of the cows because they are going to stand on her?

Operator: Yes you can you do that.

Wilson: She’s all squashed.

Operator: Is she conscious?

Wilson: You can’t even see her – she’s squashed.

Operator: Did you see what happened?

Wilson: I was on the tractor. She’s not moving.

Operator: She’s not moving?

Wilson: Not at all. I dragged her out of the way of the cows.

Operator: Where is she now?

Wilson: I grabbed her and pulled her out of the way of the cattle.

Operator: You think your wife is beyond help?

Wilson: There’s nothing moving at all.

(To hear the 999 call in full, go to this story)

Throughout his trial, that was the story Wilson told the prosecution as they battled to prove that what happened in that barn was no accident.

Their theory was simple: Wilson was leading a double life, that of the ideal husband and that of a cheating husband, who was planning a new life with his secret lover.

But detectives investigating the case had to do without the one piece of evidence that is usually central to any murder inquiry: a body.

On the night of his wife’s death, Wilson created the perfect cover for his crime.

Even for the experienced 999 crews, and police officers who went to The Croft that stormy December night, it must have been appalling scene.

Sprawled on the manure covered barn floor was the body of Jane Wilson, her head crushed so horribly she was beyond recognition.

She was being cradled by Wilson, her “ loving” husband, his world shattered by his own inattention as he drove the tractor into the barn.

Neighbours saw Bob and Jane as “the perfect couple,” in love and planning a happy retirement in France.

On the night, Wilson played his part perfectly: the role of a broken man, a bereft husband, beyond consolation.

Detective sergeant Peter Proud, an officer with 24 years experience who has investigated numerous murders, saw no grounds for suspicion.

“The circumstances seemed to fit the information I had been given,” he said later.

Thus it was that the barn, though photographed, was never treated as a crime scene, and so never subjected to the kind of forensic detailed examination that entails.

Wilson’s luck continued to hold as he got permission to have his wife cremated, a mere five days later after a routine post mortem at Carlisle’s Cumberland Infirmary.

From that moment, detectives were robbed of the physical evidence they needed to show what had really happened to Jane Wilson.

It was 18 days after the funeral service, on Christmas Eve, that Robert Wilson’s luck began to change.

He would probably never have come to trial had it not been for a chance discovery by his stepchildren Sharon and Lee Kennedy, Jane’s adult children from a previous marriage.

They’d gone to The Croft to pick up a vase and a jumper, presents their mother had bought for their gran.

By a stroke of luck, Wilson was away at the time.

A farm worker gave them a key to the farm, and told them to help themselves.

Inside, memories of their dead mother flooded back as they looked at sympathy cards sent to the farm.

They went upstairs to get the presents from Bob and Jane’s bedroom.

It was a split-second decision, nothing more than a glance across the room, when Sharon spotted the card by the bed, assuming it was yet another sympathy card.

Looking closer, she realised it was a Christmas card.

Inside it, Sharon read the six simply hand-written words that were to change everything: Merry Christmas, all my love Kathy.”

Some people might have shrugged it off, but Sharon and Lee sensed something terrible may have happened.

Their suspicions aroused, they checked out the room and found more affectionate cards – including a Valentine’s card, all to Bob and all from the mysterious Kathy.

Sharon had the presence of mind to scan the cards into a computer so they could take copies away – documents they later took to retired detective inspector Bob Lindsay. He told them to contact the police immediately.

Through their actions at the farm, Jane Wilson’s children triggered a chain of events that put Wilson in the dock at Carlisle Crown Court.

Even so, detectives faced a huge mountain of work as they searched for evidence.

First, in painstaking detail, they built up a picture of his two lives, one with the wife who adored him, the other with his mistress.

As they spoke to Kathy McNeil, the 48-year-old barmaid he met on the Costa del Sol, they discovered the true Robert Wilson, a pathological liar whose lies were on a monumental scale.

Like so many people, Mrs McNeil was taken in by her lover’s lies. After all, what man would tell you his wife had died of cancer when she was alive and well at the family home?

What man would invent the story of a childhood sweetheart whose life was cut short by a brain tumour?

What man would fob you off by dreaming up the gruesome death of an aunt and uncle, and claim falsely that he’d been asked to dig the graves?

Robert Wilson told all of these lies to Kathy McNeil, the court was told.

But his deception went far beyond his need to cover up his sexual adventures: Wilson lied easily to his colleagues at Story Rail, claiming he had lung cancer.

But the detectives knew that they needed more to show that Wilson was lying about how his wife died.

They needed to prove he had a motive for murder.

During the trial, prosecutor Brian Cummings worked with witnesses to build up a detailed picture of just how Wilson would benefit from the sudden death of Jane.

First, police had to prove that Wilson’s relationship with Kathy McNeil was not what he had claimed: a casual fling all about sex.

Wilson fought hard to give that impression, saying in one police interview: “Kathy was good in a physical way. But as to being a couple, we had nothing in common.

“I was down to earth, and liked my animals and the farm and she liked her expensive clothes and going out to posh places. We hardly had a thing in common. The only thing we had in common was the physical thing.

“She wouldn’t be happy on a farm in the middle of nowhere, with horses, and old togs. “Everything had to be designer clothes. I was referred to as a bit of rough.”

But the evidence strongly suggested that Wilson was more serious about the new woman in his life.

He spent a fortune on her, phoning her every day, treating her to expensive meals in posh restaurants, even helping to pay for her divorce.

More tellingly, Wilson borrowed £15,000 so he could take her on a tropical holiday to the Maldives a few months before his wife died.

Incredibly, in court, he claimed that Jane had refused the trip – costing about the same as her annual salary as a post-woman – because she had wanted to compete in a horse show in Langholm.

Yet more lies, the jury was later to decide.

Equally compelling was Kathy McNeil’s evidence.

“Sometimes it was flattery, sometimes I felt there was a little bit of control there.”

Police also had to show Wilson was not the adoring husband he claimed to be.

Prosecuting QC Brian Cummings made the point powerfully as he confronted Wilson over his behaviour in the four weeks after Jane died.

Twice in that month, the farmer slept with other women in his marital bed, just feed from where his late wife’s wedding dress hung in the bedroom wardrobe.

The first time, on December 12, he was with Kathy McNeil during a visit to The Croft.

The second time, on New Year’s Eve, it was with farm hand Michelle Dodd.

Mr Cummings asked: “How does this square with having true feelings for your wife – having sex with another woman in her bed, less than two weeks after you killed her?” As ever, Wilson had an answer. “That was how I got my comfort,” he said.

Police also found strong evidence that Wilson was motivated by greed.

With mounting debts, approaching £300,000 he had developed a taste for exotic living – foreign travel, post restaurants, a costly race horse, Mr Cummings told the murder jury.

His estate would have been worth just £190,000 if he had divorced Jane Wilson.

With her dead, he was able to claim life insurance policies – including one taken out just two months before his wife died – making his estate worth around £910,000.

The final, and biggest hurdle for the prosecution, was the lack of direct physical evidence they had to prove what happened to Jane Wilson on the night she died.

There ample evidence to prove him a liar and a sexual predator, but as his defence QC Joanna Greenberg pointed out neither of those things made him a murderer.

It was this aspect of the case that needed the mind of a forensic pathologist.

In Home Office pathologist Alison Armour, police found the perfect ally: a woman whose expertise, gleaned over a career spanning 21 years, who personally took part in a reconstruction of the tractor “accident” to test Wilson’s story.

From her came the opinion that may have dealt a fatal blow to Wilson’s case.

Noticing the lack of blood in the barn, Dr Armour said she believed Jane Wilson was already dead when her body and head were crushed by her husband’s tractor.

The prosecution expert witness, Dr Charles Wilson, challenged that opinion.

There was a suggestion that much of Jane Wilson’s spilt blood may have been hidden in the photos of the scene, hidden beneath manure and straw.

For the jury of six men and six women, it was Dr Armour’s evidence that won the day. After nearly four weeks, they gave their solemn decision: Wilson had murdered his wife.

Only Wilson knows what really happened that night. Jane Wilson’s sister and children can only speculate about how Jane died.

After weeks of interviews and investigation, detectives felt sure they knew why Jane Wilson had died.

It was the timing of Kathy McNeil’s first planned visit to The Croft that gave them an explanation of why he killed her over that weekend.

For 14 months, he’d successfully kept separate his two lives: that with Jane and that with Kathy McNeil.

But his lover was becoming increasingly persistent: she was determined to see his home in Cumbria.

In the words of prosecuting QC Brian Cummings: “The two halves of his life were on an imminent collision course at that time.

“Jane Wilson died just when the defendant [Robert Wilson] needed her to.”

As he contemplates his inevitable life sentence, his wife’s family can take comfort in the knowledge that for him this turned out not to be the perfect murder.