Every year we try to start off the New Year by making resolutions that we hope to accomplish in the year to come. Usually when we hear “New Year’s Resolutions,” we think to lose weight, eat healthier and get more sleep. And while those are great goals, we came up with a few that will not only improve your life but possibly your insurance expenses as well.
As soon as they start learning to drive, whether your teen is starting with a learner’s permit or going straight to the license, you should inform your insurance company to have them added to your policy. This is usually much more cost-effective than placing them on their own policy, especially if you are a safe driver with a clean record. They will also be eligible for more coverage under your policy.
Millions of students are headed back to school this fall. It’s a good time to educate yourself and drivers alike on the rules of the road around school buses and in school zones, the dangers of distracted driving and how to keep pedestrians safe.
Car collecting is a passion!
Your passion could be everything from vintage, classic, customized or even some of the rarest automobiles in the country. It’s a hobby, and everlasting passion. We’re as passionate about your car as you are.
You aren’t thinking about insurance as you get ready to travel, but you should be. Take a moment and think—are all the belongings I have either in my car or being towed covered? The answer is maybe.
When you insure an automobile, boat, or recreational vehicle, your agent will ask you if you want comprehensive and/or collision coverage. Do you know what you are agreeing to, or declining?
Comprehensive coverage includes covering claims from wind, hail, fire, theft, vandalism, animal strikes and glass breakage. It’s the things you have no control over. The exception to that rule is hit and run. Hit and run is considered a collision loss.
A common insurance question is “how is my car protected if it’s in the shop?” If you carry physical damage coverage (often referred to as comprehensive and collision) your vehicle is still covered under your policy when it’s in the care, custody or control of the auto repair or body shop.
Would you ever drive the length of a football field at 55 mph blindfolded? Well that’s essentially what you’re doing when texting while driving. According to the National Highway Traffic Safety Administration, texting behind the wheel takes a driver’s eye off the road for an average of 4.6 seconds, which is the time it takes to go from one end zone to the other. Dangerous? Incredibly. Deadly? You bet.
Texting while driving has now replaced drinking and driving as the leading cause of death among teenage drivers.
You have just opened your newest state-of-the-art facility and surgical center with beds waiting to be filled. Your medical team is highly skilled and ready to respond to the community’s emergency needs. Your local Air Ambulance provider has top-of-the-line equipment and a professionally trained flight team ready to bring the patients to your facility. So what is the problem? Nothing, you hope—right?
If your risk management and insurance program hasn’t been reviewed with some specific items in mind, you could get into additional liability, employee benefits, and workers compensation issues.
The most rapidly expanding area of aviation is Unmanned Aerial Systems (UAS). They are known by many names such as Drones, Unmanned Aerial Vehicles, Aerial Micro-vehicles, to name a few. The Federal Aviation Administration (FAA) and insurance industry are in quick response mode to the changing environment. In this article, we will share some of the current FAA guidelines and how this affects you as a municipality or school district and what are the insurance solutions available to protect your operations.
