Hey there, summer! While we're all busy slathering on sunscreen and guzzling ice-cold drinks, let's not forget about our unsung heroes, our tires. They're feeling the heat too! Here's how those scorching temperatures can mess with your wheels:
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If anything happens in or to your home, it’s instinct to want to call your insurance carrier right away and put in a claim. Unless your house is on fire or you've just come home to a fully flooded home, STOP! You should always reach out to us (your agent) first! This is important for several reasons. For one, we have an in-depth understanding of the policy coverage, allowing us to provide guidance on whether their specific issue is covered.
Most importantly, many insurance carriers are becoming increasingly strict when it comes to accepting new clients with any claim history. By consulting with us first, you can make informed decisions that may protect your future coverage. Considering your particular circumstance, we can offer insightful guidance on whether making a claim is in your best interest. Ideally, you should reserve your insurance for emergencies only. Before filing a claim, consider obtaining quotes to repair the damage. Sometimes, the cost of repairs may be less than the potential consequences of having claim history, which could lead to future coverage cancellation or denial. Even seeking advice from your insurance carrier by making a simple inquiry about a potential claim can have consequences. Every interaction with the carrier is noted, and this information could work against you in the future. Therefore, it's essential to weigh your options carefully and consult with us before contacting your insurance carrier. We can offer professional advice on the best course of action, assisting you in making decisions that will ultimately safeguard your coverage and financial security. Distracted driving has long been a cause of car accidents. According to the Transportation Safety Board we used to see a seasonal increase of accidents due to distracted driving each Summer. As of this writing, distracted driving, as a cause of car accidents, no longer has peaks and valleys. Thanks to modern technology it’s now a constant reason for accidents and is among the top 3 causes of motor vehicle accidents in the US. The culprit is that is that powerful little tool in your hand or pocket right now. The smartphone!
The allure of staying connected through calls, texts, and social media has led many drivers to engage in risky multitasking while behind the wheel. However, the consequences of such actions can be devastating. Texting, for instance, takes a driver's eyes off the road for an average of five seconds. In those few seconds, a potential collision becomes alarmingly likely. Distracted driving extends beyond phone usage. Eating or drinking, adjusting music controls, checking your makeup in the mirror, and even conversing with passengers can all divert a driver's focus and impair their ability to react quickly to changing road conditions. Each distraction increases the likelihood of accidents, endangering not only the distracted driver but also passengers, pedestrians, and other motorists. Efforts to combat distracted driving have included legislative measures, public awareness campaigns, and technological innovations. There are even phone apps to prevent texting and driving. Some of these apps are Drivemode, LifeSaver, TrueMotion Family, OnMyWay & Safe 2 Save. By increasing awareness, encouraging safe driving practices, and utilizing technological advancements, society may work to reduce distracted driving and promote safer roads for all. Can we, do it? Will we, do it? Time will tell. In a world where the cost of living is increasing, bills are due and you’re not ready to give up your daily Starbucks, why not put your personal car to good use. Being an Uber or Lyft driver is a great way to make an extra buck. However, make sure you are properly covered while playing chauffeur. It's important to let your insurance agent know if you drive for Uber or Lyft since it affects the kind of coverage you need. You might not be sufficiently covered while ridesharing under standard personal auto insurance policies, which could result in coverage gaps. Your agent can assist in identifying these gaps and making appropriate remedy recommendations. The last thing you want is to have an accident while earning some extra dough for the family, only to find out your insurance company is not going to cover it. It's important to keep them and your agent in the loop. They too enjoy the daily Starbucks run, by the way.
Being in a car accident is often a distressing experience. If you need to file a claim, you'll rely on your insurance company for support, expecting both expertise and empathy.
Accidents are inevitable, but safety is paramount. Having essential items in your car can aid safety and facilitate gathering necessary information. It's also crucial to know what steps to take post-accident. Here's a guide to prepare for and handle an auto accident: Preparation for a Car Accident: Items to Keep in Your Car
Understanding the process can ease the aftermath of a car accident. With their many advantages, including lower running costs and emissions, electric vehicles (EVs) represent a dramatic advancement in automotive technology. But one drawback of EVs is their weight, which is mostly the result of the bulky battery packs needed for power storage. This extra weight can be dangerous, especially in collisions where EVs may be more likely than conventional cars to smash through guardrails.
Guardrails are designed to withstand certain levels of impact, but the added mass of EVs could potentially exceed these tolerances, leading to more severe accidents and increased risks for motorists and pedestrians. As a result, there's a growing realization that current guardrail designs may need to be reevaluated and upgraded to better accommodate the changing landscape of vehicle technology. Transportation authorities may need to invest in redesigning or reinforcing metal barriers on US roadways to ensure they can effectively withstand impacts from heavier vehicles like EVs or even a semi-truck. This could involve using stronger materials, implementing innovative engineering solutions, or developing entirely new barrier designs tailored to the specific challenges posed by electric vehicles. With the sun finally shining, it’s time to dust off your RV and book those camping grounds! Here’s some info about RV insurance. If your RV has a motor and is self-powered, your RV insurance policy must have liability coverage, regardless of the vehicle’s age. If your RV is a travel trailer, then liability coverage won’t be available because you can’t drive the trailer. However, you are required to carry liability coverage on the automobile that’s towing your trailer.
RV liability coverage is crucial when camping to protect against potential accidents and injuries, ensuring financial security in the great outdoors. This part of the insurance typically covers bodily injury and property damage for which the camper might be accountable for. Say a fellow camper accidentally stumbles over a stray tent peg or gets hurt at a badly kept campsite. Liability insurance helps pay for these costs in the case that such occurrences result in medical bills or lawsuits, sparing the RV owner from having to bear the financial burden. Bodily injury liability pays for medical expenses incurred by other drivers or pedestrians that result from an accident you cause. Property damage liability can cover damage to objects, vehicles, and other personal property. For example, if you lose control of your RV and hit a parked car or a fence. Liability insurance offers a safety net for unanticipated incidents. Having this coverage ensures that campers can enjoy the outdoors with peace of mind, knowing they are financially protected in case of accidents. Roof maintenance in the desert requires special attention due to the harsh and extreme conditions in these environments. The combination of intense sunlight, high temperatures, and high winds can accelerate wear and tear on roofs, making regular upkeep crucial for ensuring their longevity. Most insurance carriers will not insure roofs that haven’t been updated in 20 years. Here’s the reason why…
One of the primary concerns is protecting your roof against the relentless sun exposure. Ultraviolet (UV) rays can cause materials to deteriorate over time, leading to cracks, fading, and weakening of the roof structure. Most homes in Las Vegas have concrete tile roofs, which is the first line of defense against leaking in the home, the underlayment is a vital second barrier and more sensitive to the elements. The underlayment is the barrier that protects the interior from the exterior elements. Desert regions often experience extreme temperature fluctuations, with scorching daytime heat giving way to cooler nights. This thermal stress can cause roofing materials to expand and contract, potentially leading to cracks or leaks. Ensuring proper insulation and ventilation in the attic space can help regulate temperature differentials, reducing the strain on the roof. But it is also important to have that underlayment checked every few years to ensure there is no damage that could lead to an unexpected leak and a costly insurance claim. Spring break is right around the corner! Preparing your home before heading on vacation is crucial to ensure its safety and security. One key consideration is the installation of water detection devices in areas prone to leaks or flooding, such as basements and bathrooms. These devices can provide early warnings, helping you address potential water damage promptly.
Securing your home against intruders is equally important. Double-check that all doors and windows are properly locked and consider investing in smart home security systems for remote monitoring. Smart home features allow you to keep an eye on your property via mobile apps, enhancing the overall security of your home. You can also create the illusion of an occupied home by using timers for lights and electronics. This can discourage burglars by making it appear as though someone is there. Additionally, unplugging non-essential electronics and appliances not only reduces the risk of electrical fires but also conserves energy. To prevent temperature-related issues, set thermostats to moderate levels. Extreme temperature fluctuations can be detrimental to plants and sensitive items within your home. Taking this step ensures a comfortable environment while you're away. Inform a trusted neighbor or friend about your absence, providing them with a spare key and emergency contact information. This person can keep an eye on your property and address any issues that may arise. Arrange for mail and package deliveries to be halted or collected by someone reliable, preventing your home from appearing vacant. Ultimately, these measures collectively contribute to the overall safety of your home during your absence. By taking these precautions, you can embark on your vacation with peace of mind, knowing that you've minimized potential risks and secured your home against various threats. With the weather soon to make a turn for the better, it’s time to start dusting off those outside toys! Perhaps one of those is an e-bike? As electric bikes redefine modern transportation, understanding the necessity of safeguarding your ride is paramount. We’re thrilled to unveil the latest investment in Progressive Insurance’s Recreational Lines portfolio. As of February 2024, Progressive offers coverage on a stand-alone policy for e-bikes in Nevada.
You might ask what qualifies as an e-bike? An e-bike is a bicycle with pedals and an electric motor that can assist in propulsion. Until recently the only way to cover an e-bike was through a homeowners insurance policy. The new stand-alone e-bike policy includes unique protection not found in a standard homeowner’s policy. It has dedicated coverage that allows you to enjoy your passion with specialized coverage. With the specialized policy, you can benefit from protection against theft or accidents whether the e-bike is used on-road, on bike paths, or off-road. Progressive also covers up to the actual cash value of the e-bike, while a homeowner’s policy may impose limits. Plus, you will gain coverage of accessories up to $3,000 automatically included when Comprehensive is selected, with specialized options like Carried Contents, Safety Riding Apparel, and Roadside Assistance available. Investing in e-bike insurance is a wise decision for any electric bike enthusiast. It not only provides financial protection against unexpected mishaps but also grants peace of mind, allowing riders to fully enjoy the exhilarating freedom that e-bikes offer. As the popularity of electric bikes continues to soar, safeguarding your two-wheeled investment with a comprehensive insurance policy ensures that your riding experience remains thrilling and worry-free. So, buckle up, pedal on, and ride confidently into the future of e-biking, knowing that you've got the coverage you need to keep your journey electrifying and secure. |
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February 2024
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