MONDAY, JUNE 6, 2022
|Despite soaring gas prices, many are choosing to take road trips because of the lower health and safety risks, and more affordable prices when weighed next to flying.
Long hours in the car still pose their fair share of risks, however. Therefore, if you are planning a summer road trip, you should always take the time to prepare for the worst. Simply put, the costs of getting ready for a trip will prove much lower than anything resulting from a mishap on the road.
Get Your Car Ready for Travel
When on a road trip, you will want to get where you’re going (and back) in one piece. A properly functioning vehicle can help you avoid both breakdowns and accidents, and you should make certain that your vehicle is in prime working order before you leave on your trip.
- Ensure your car registration and insurance will remain active for the duration of the trip. Keep your insurance cards and registration information in your vehicle.
- Always carry your (unexpired) driver’s license. Don’t travel if you have restrictions or suspensions.
- Take your car for a maintenance check. Your mechanic might change the oil, clean the engine, run a lighting check, rotate and balance your tires, check your suspension and more.
- If you need to replace any parts on the vehicle, then do so before the trip. Saying “I’ll wait until we get home,” might put you at risk of an inconvenient accident while traveling.
- Consider adding some extra security features to the car. For example, steering wheel bars might add protection on top of your normal security alarms.
Remember Safety on the Road
No matter what you do beforehand, your actions behind the wheel during a road trip will be the factors that ensure that your family remains safe. If you do not drive safely, then your risk of an accident will increase. All in all, when you set out on your trip, remember that you have precious cargo in hand.
- Never speed.
- Obey all traffic warning signs and don’t make sudden maneuvers on the road.
- Make sure everyone always wears their seat belts.
- Do not use your mobile device while traveling.
- Take breaks. If you feel tired, hungry, or unwell, then you cannot concentrate on the road. Eat normally and sleep an appropriate amount of time.
- Of course, never consume alcohol or illicit substances at any time if you plan to drive.
Along with other safety precautions, your commitment to safe driving will keep you and your family secure during your road trips.
We wish you safe travelers!
MONDAY, JUNE 6, 2022
Popular waterways are the central hub of personal watercrafts (PWCs). Enthusiasts know that preparation is vital to staying safe on the water and keep safety gear at hand. There is a way to add one more layer of protection, and that's protecting your personal watercraft with Sea-Doo, WaveRunner or Jet Ski insurance. It’s important to know whether you have adequate insurance coverage for your PWC, especially since your homeowners or auto insurance typically won’t cover them or, if they do, the coverage may be limited.
Here are five factors every consumer should consider when purchasing a personal watercraft insurance policy:
1. Get specific PWC insurance policy
Most PWC policies will cover these three areas:
- Bodily injury
- Property damage
- Medical payments
Typically policies include deductibles for property damage, theft and medical payments. Most policies include liability limits , which vary by state. Liability coverage typically provides financial protection in case you are liable as a result of a covered accident.
2. Each PWC needs to be insured
If you own several PWCs, each one will need to be insured, but may not require its own policy, as some boar insurance policies can be built to cover personal watercraft as well. Give us a call to review your options.
3. Read your policy carefully
Most PWC policies provide coverage whether you are operating the PWC yourself or you loan it to someone else. Although the facts and circumstances of each case must be evaluated based upon the applicable laws and policy language, in most cases, regardless of who is operating it, you would be covered for the following:
- Damage to another craft or dock
- Bodily injury or death to another person due to your negligence
- The negligence of another driver while using your PWC
- Towed water skiers or wakeboarders who become injured while using your craft
- Physical damage to the hull, machinery, and equipment
- Injury caused by an uninsured watercraft operator
Because some coverages are optional and must be selected, read your policy carefully to be certain you are getting the coverage you need.
4. Not every policy covers everything
Depending on your insurer, you might not be covered for everything. A PWC that has been modified to enhance speed and performance is typically not covered.
5. Consider coverage extras
Other coverage areas you should obtain more information about include:
- If your policy will cover the replacement cost of personal items lost or damaged while on board
- If your policy will replace the actual cash value of your PWC if it is damaged during use
- Roadside assistance in case your tow vehicle or trailer is damaged or disabled
- If your policy covers costs of raising and removing your PWC if it sinks
Be prepared this summer by contacting us for a free personal watercraft insurance quote and making sure your PWC is covered for damage, and medical payments.
MONDAY, JUNE 6, 2022
Learn how to make pesto with this classic fresh basil pesto recipe. It’s easy to make in the blender or food processor with just 5 main ingredients, and so fresh and delicious!
- 3 cups (3 ounces) lightly packed fresh basil leaves
- 1/2 cup (2 ounces) freshly grated Parmesan
- 1/3 cup (1.75 ounces) toasted pine nuts
- 3 small cloves garlic
- 1/2 teaspoon fine sea salt*
- 1/2 teaspoon freshly-ground black pepper
- 1/2 cup extra-virgin olive oil
- In a food processor or blender, pulse the basil, Parmesan, pine nuts, garlic, salt, and pepper together until finely-chopped.
- With the food processor or blender still running, slowly drizzle in the olive oil until it is completely combined. Pause the food processor or blender and scrape down the sides, then pulse again until the mixture is smooth. If you prefer a thinner pesto, add in more oil.
- Serve immediately. Or refrigerate in a sealed container for up to 3 days, or freeze for up to 3 months.
*Salt: If you are using iodized table salt, use just 1/4 teaspoon.
Find this recipe along with other delicious concoctions from GIMME SOME OVEN: https://www.gimmesomeoven.com/how-to-make-pesto
WEDNESDAY, MAY 18, 2022
Before you know it, we will be experiencing those hot, humid days of summer, which often bring intense rain and thunderstorms. Even if you don't live in an area that typically gets regular summer storms, it only takes one big one to move through and do some damage to your home and property. Before storm season starts, take some steps to get your home ready.
- Check out the health of your trees. One of the biggest problems is damage from falling limbs. Take a look at the tops of your trees. Are they well-covered in leaves, or do some branches look bare? Then look at the roots. Is the land uneven, causing some roots to come out of the ground? These could be signs of unhealthy trees that may be more likely to fall in a storm. If you're unsure, it may be worth calling an arborist to evaluate the health of your trees.
- Clean the gutters. Gutters filled up with leaves, twigs, and pine cones will not drain well, causing water to end up where you don't want it, along your foundation and in your basement. Water can also back up onto your roof causing damage to sub-roofing material.
- If your house tends to get water in the basement, make sure your sump pump is working well, and that you have some sort of backup power source in case of an outage.
- Have an emergency storm kit prepared. Flashlights, batteries, water, food, first aid supplies, and extra medicine are essentials to have on hand.
- Create an emergency plan including places your family will meet in the event of a severe storm.
Storms are unpredictable, and while you can do your best to be prepared, there are times when your home will sustain damage due to lightning, rain, or high winds. In addition to making sure your home is prepared, make sure you homeowners policy is prepared, as well:
- Ensure you have adequate coverage and deductibles that are reasonable for your needs.
- Put together an inventory of your home and belongings.
- Check your policy for “loss of use” or “additional expense” coverage to help pay for temporary housing if needed.
While staying safe, try to protect your property, salvage what you can, and closely inspect your property and cars for damage. Take notes and photos of damage to assist in settling claims.
WEDNESDAY, MAY 18, 2022
Whether you are held responsible for a serious auto accident or an injury on your property, you can quickly find yourself responsible for damages that exceed the liability limits on your home, auto, renters, or boat policy. An expensive judgment could mean financial ruin for many people. Fortunately, there’s an option to help protect your assets and provide additional protection – umbrella insurance.
An umbrella insurance policy provides an extra layer of protection in the event the coverage limits on your primary insurance policies are exhausted. Personal umbrella policies typically offer between $1-5 million of liability coverage and, depending on the coverage amount, are relatively inexpensive, oftentimes costing less than a plane ticket.
Suppose you were involved in an accident that resulted in serious injuries to the other driver and their passengers. You are found to be at fault, subsequently sued, and the lawsuit resulted in a judgment as shown below:
Auto Liability Limit
(maximum payout on the policy)
Gap in Coverage
(what the at-fault driver owes)
In this situation, your auto coverage maxed out at $500,000, leaving you with the remaining $1,000,000 bill. If you are not able to pay the remaining amount, your personal assets (money in the bank, personal property, investments, etc.) could be at risk. However, if you have an umbrella policy with a limit of at least $1,000,000, it would help avoid the gap in coverage.
An umbrella policy is there for you when the unexpected happens. You could be held liable to others for the cost of damages – injuries, property destruction, emotional distress, lost wages, and more. It only takes one serious accident and a resulting lawsuit to put everything you own (and will own) at risk.
*Actual coverage is subject to the policy as written. Higher limits may be available depending on the insurance company and underwriting approval.