Wildlife and Winter Driving

Posted by on Nov 21, 2018 in Personal Protection

With leaves falling and cold temperatures filling the air, it’s time to pay extra attention to the road and to potential animal hazards including deer. A deer popping out from the side of the road is a scary proposition at any time of year and especially hazardous when road conditions are slick with fresh rain or icy because of cold temperatures. Peak accident times include both the early and late hours of the day. In truth it is important to keep a continuous lookout for all kinds of wildlife near or on the highway. And be sure to understand what kind of animal-related insurance claims are covered in your insurance policy. Insurance coverage from damages associated with accidents involving deer or other animals may be optional depending on your insurance and carrier. Knowing this is important. If you presently lack protection, find out what it would cost to add the optional coverage. It’s typically a small investment that can save you should you suffer a collision with a deer, elk, or other animal. At the very same time, be sure to practice good safe driving protocols. Indeed many safe-driving advocates say to brake but never swerve to avoid the animal. (You may swerve into oncoming traffic or lose traction on the road.) Exercise caution while driving through wooded areas. Slow down and be prepared to stop if the deer go into the road if you spot deer or other wildlife. If a deer is struck, call the police and your insurance agent as quickly as safe to do so. Take images of the crash site, automobile damage and any damage to the car. Be sure to include images of the animal as further proof of the cause of the accident. And in the event a claim is submitted, be sure to have your care thoroughly evaluated mechanically. The late fall and winter months bring an increase in driving activity on roads that may already present challenges. According to the National Highway Traffic Safety Administration, more than 1.5 million accidents with deer are documented each year. More than 200 of these resulted in fatalities and cost an estimated $1 billion in damages each year… so take care. Be sure you’re protected. Practice safe driving. And if this causes you some concern, we’re here to help. Be sure to reach out to us if you have questions about your auto...

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Driving without Insurance Don’t!

Posted by on Oct 30, 2018 in Personal Protection

If you’re a driver in the US, or many countries for that matter, you are required by law to have car insurance. Driving without car insurance is illegal, and for a very good reason. Although a technical US exception is New Hampshire, where drivers don’t have to have insurance per se… they still have to be able to prove that they have enough money put away in order to pay out if a crash happens. For all intents and purposes… you have to have car insurance in the US. Over 37,000 people die in US car crashes every year, with a further 2.3 million becoming injured or disabled. All of this mounts up to a whopping $230 billion in costs annually, and car insurance is designed to protect drivers (and their four-wheeled assets) in case of unexpected events. Still, if you’re idiotic enough to drive without insurance and get caught, here are some of the consequences you’re likely to face. Tickets/fines If you get caught driving without valid insurance, you’re likely to get a ticket and you will also be fined. Although the fines vary from state to state, some parts of the country charge you thousands of dollars if you’re caught driving without insurance. Suspension The police have the power to remove and suspend your driving license if you’re caught driving without auto insurance, something which no driver wants to deal with! You’ll only be able to get your license back if you pay to have it reinstated (which isn’t cheap) and also provide proof of insurance. It can vary from state to state when it comes to how long you’ll have your license suspended, and repeat offenders can see their license being taken away permanently. Towing If you’re caught driving without insurance by police, you could be prevented from driving away by them having your car towed. You needn’t be in a crash or serious incident – you might have your car pulled over due minor speeding or a broken taillight, suddenly finding that your car is being towed away and impounded because you’re driving around uninsured. While you haggle for insurance in the meantime, you’ll also be racking up impound fees too, making any financial struggles greatly exaggerated. In some regions, they begin auctioning your car away if you cannot pay and organize insurance quickly enough! In NYC, your car starts to go through the auction process a mere 72 hours after being impounded! You could wind up in serious financial trouble If you have a crash and you’re found to be at fault, you’re very likely to be financially responsible for covering the medical bills and repair expenses of the driver you crashed into, something which would have been made much easier had you possessed auto insurance. If you cannot pay, the victim driver may take you to court, causing you to rack up a...

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Is Affordable Car Insurance for College Students Possible

Posted by on Oct 18, 2018 in Personal Protection

We’ve all been there at some point – you’ve just passed your test, you’re excited to finally have some freedom, and then you realize that you’re going to have to pay car insurance. Car insurance, like all insurance, features premiums which are calculated according to risk. Unfortunately, the younger and the more inexperienced you are at driving, the higher the risk is that you’re going to crash. The result? Largely unaffordable car insurance premiums for young drivers. You see, drivers aged between 15-20 make up only 6.7% of all drivers in the country, yet they’re involved in 20% of all the crashes. The numbers just aren’t in the favour of young drivers and college students! Nonetheless, finding affordable car insurance for college students is still a possibility. Here are some ways to find an affordable car insurance plan if you’re a college student. Get good grades Certain insurers, such as Allstate and Geico, will offer car insurance discounts to college students who can demonstrate that they achieve good grades, the thinking being that straight-A students are less likely to be reckless drivers. State Farm even offers a 25% discount for students with high grades! To qualify for such discounts, you usually have to be 25 or younger, enrolled in a school/college/university full time, maintaining a 3.0 GPA (or be on the honor roll/ dean’s list), and be able to provide proof of your grades via a report card, school letter, or another means of proof. Look into pay-as-you-go coverage If your car is mainly used for social and recreational use, such as going to visit friends or going to the grocery store, it may be worth considering pay-as-you-go car insurance which costs less if you driver fewer miles. Officially known as usage-based insurance (UBI), this type of insurance uses data about your driving to determine your premiums, meaning that it will be lower if you drive safely and less often. However, if you’re prone to long late-night trips and heavy acceleration, this may not be the best thing for you. Choose an adequate amount of coverage The state you’re in will have a minimum coverage requirement, so you should be sure to comply with this if you think that you’re going to need a more traditional driver-based car insurance plan. The National Association of Insurance Commissioners has a map which can tell you the insurers in your university’s state, ensuring that you’re adequately protected. For example, Nevada state laws stipulate that you must have a car insurance liability policy which covers $55,000, while in Texas, you need to have at least $115,000 in liability coverage. After meeting the minimum state requirements, decide whether or not you need extra coverage. For example, if you drive an expensive car or you’re moving to an area which is known for car theft and crime, you may want to consider additional coverage. On...

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What That New Car Really Costs…

Posted by on Sep 3, 2018 in Personal Protection

If you’re looking to buy a new car, there’s an awful lot of factors to consider in addition to the purchase price, and ensuring that you can afford them all is an essential part of the car-buying process. Here we list some factors to consider when buying a new car! Financing vs Purchasing If you can purchase a car in full, this is always the better option financially, as you won’t be paying any interest on the price. However, if you’re looking to finance your car, you need to assess the deal carefully and look into the loan term, interest rate, and more. If you must finance, try to put down a large down payment, as this will reduce your interest rate and reduce your monthly payments overall. Taxes and Fees Bear in mind that you’ll have to pay sales tax when purchasing a car, and this is calculated differently depending on which state you’re in, so be sure to check the local sales tax regulations. In addition, some states charge your car with an annual tax which is variable according to the vehicle you own. All of this is also combined with registration, license plate, and title fees, which could easily set you back up to $800 per year depending on your car’s make and model. Auto Insurance Insurance companies use a magical formula of never-ending criteria in order to ascertain the monthly premiums on your car insurance, and the power of modern data analytics is helping them to scrutinize drivers more than ever before. Although quotes will inevitably vary from carrier to carrier, younger and more inexperienced drivers will always be charged substantially more for their premiums, and people who have been involved in accidents will have higher monthly premiums too. Some vehicles are cheaper to insure than others due to a range of factors, so be sure to look into which vehicles within your price range are cheap to insure for you. There are also other ways of potentially lowering your auto insurance premiums, such as volunteering to pay a higher excess in the event that you do have to put in a claim. Gas If you’re looking to buy a huge gas-guzzling SUV, prepare to pay a lot in gasoline every month. Of course, your gas spending will vary widely on your type of vehicle and how often you drive, as well as the type of fuel that your vehicle uses. Buying a smaller car with an efficient engine and driving it rarely will obviously bring your gas budget down compared to driving around in a large SUV for many hours a week. There are many other things to consider when buying a car, such as maintenance costs when things go awry. If you’re looking to lower the cost of your auto insurance, speak to a member of our dedicated team...

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What’s the Best Time to Shop for Home Insurance?

Posted by on Aug 20, 2018 in Personal Protection

It’s hard to know when to shop around for your home insurance, as there are no set guidelines in place unless you’re moving or getting married. Because of this mysteriousness surrounding home insurance, here we have ascertained some guidelines to help you decide that it’s time to look into your home insurance. Buying a house This is, of course, the most obvious one, as it’s critical to insure your new investment. You should take out a home insurance policy before you close on the home, although bear in mind that you may not know everything you need to know about the property if you don’t live there yet. When your home’s value changes The most obvious time that your home’s value changes is when you have extension work or restoration work done. Whether you’re building a large storage shed or you’re remodeling your bathroom, any major changes which affect your home’s value need to be accounted for in your home insurance policy or you’ll risk being underinsured. After you buy expensive items Your personal property is covered by your home insurance, so you should consider adjusting your policy or shopping around if you decide to bring home a 50-inch 4K TV or a priceless set of golf clubs one day. Sometimes your current insurer may raise your premiums substantially if you buy a bunch of high-value items and put them in your home, so it may be a good idea to shop around at this point if necessary. When your premium goes up for no apparent reason Home insurance premiums are inevitably affected by factors outside of your control such as burglaries and floods in your local area. Most homeowners will realize these changes when it comes time to renew their policies, and this may be a good time to shop around. It may turn out that your premium is low when compared to other insurers who have also adjusted their rates according to new data, or you may find that your insurer is taking advantage of you. Whatever happens, there’s no harm in heading to your laptop and finding out whether other insurers would also charge you similar premiums for forces out of your control. When switching auto insurance Many companies offer combined bundles for home and auto insurance, meaning that you could be entitled to generous discounts if switching your policies in one fell swoop. However, entangling your insurance policies in this way can make things complicated if you want to switch or amend things in the future. For example, if you get a new car or move, you might find that your rates are adversely affected. When you’re not satisfied with your current insurer We’ve all heard horror stories of insurers not paying out when the time comes, and this is an obvious alarm bell if you’ve had a bad customer experience with an insurance company....

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Ways to Protect and Secure Your Home While You Are Away

Posted by on Aug 13, 2018 in Personal Protection

It’s easy to worry about your home when you’re away on a vacation or a business trip. Did you lock all the doors? Did you leave the stove on? Does it look obvious that the house is empty? These are all legitimate worries when you’re spending time away from your humble abode. Fret not, however, as here we have compiled some ways of securing and protecting your home while you are away on business or pleasure! Basic measures First things first, you should start with the basics. For example, put your interior lights on timers if you want your home to appear to be occupied while you are away. Next, you should ensure that your mail and newspaper deliveries are delayed so that mail isn’t piling up on your porch or in your letterbox. Also, make sure to set your thermostat appropriately and ensure that most of your appliances are unplugged or switched off entirely. Don’t forget to set your house alarm! Water damage and appliance damage If you want to save energy, turn down your water heater’s temperature and switch off your hot water recirculation pump. You can also suspend your internet with many ISPs, temporarily halting your internet service. It’s also a great idea to unplug appliances which aren’t necessary while you’re away (i.e. don’t unplug the fridge) or plug them into surge protectors and then turn them off. If you have any leaky faucets or other similar problems, you aren’t going to be around to keep an eye on them. As a result, you should look to get these issues fixed before departure. Also, it may be a good idea to shut off your home’s main water supply while away. Shutting off individual appliance valves and clearing your gutters are also good measures to take. Preventing burglaries Although having the appropriate insurance will certainly help to ease your mind, there are ways to prevent burglaries from ever happening in the first place. First of all, secure your windows and doors, even if they are on the higher levels of your house. Burglars are not incapable of accessing your property via trees or ladders. Next, make sure that you use a reliable home alarm system which covers the appropriate areas of your home. Then, make sure that any high-value items such as jewelry or high-end appliances are secured, out of sight, and hidden. You should also consider installing motion-activated lights outside your home. Never leave a spare key under a doormat or in a similar place – you’re just asking for trouble. If absolutely necessary, install a high-end key lockbox or give a spare key to a trusted friend/family member for emergencies. Ask people to conduct minor maintenance It’s worth asking a trusted friend or family member to keep an eye on your house while you’re away, perhaps even allowing them to stay there and housesit while...

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