A picturesue drive – whether it’s across town or across the country – is a real treat during the fall when the colorful foliage is at its peak. Here are a few suggestions from some of the most trusted travel sources around:
As alluring as the scenery can be, the weather can be unpredictable this time of year as well, and leaves falling on the roadway can make for hazardous driving.
A few precautions can make your fall road trip a success.
It’s back-to-school time again. We thought it might be a good time to review some of those circumstances that are unique to the school year, especially as they relate to your insurance coverage and liability.
Having the bus stop is in front of your home can seem convenient. However, children gathering for the bus in front of your home every day could very well result in accidents, however minor, at some point throughout the school year. The issue will become whether your homeowners insurance policy carries enough liability coverage. So you will want to have a conversation with your insurance agent before the start of the school year to be sure that you have the right coverage in the right amount to meet your unique needs.
You will want to determine the total value of all items stolen so that you can make the appropriate reports to the school and perhaps to the local police agency as well as your insurance agent. If you have homeowners or renters insurance, then it will likely cover the loss of the stolen items up to the limits of the policy, assuming that the total value of stolen items exceeds your policy’s deductible level. If your policy includes personal property replacement coverage, then you can replace the stolen items with new ones of the same kind and quality. If jewelry was stolen, the coverage limit on your policy will vary. Your insurance agent should be able to answer any questions you have about your policy’s coverage, limitations, exclusions, etc.
There are several auto insurance issues that you will want to discuss with your agent to be sure that you have the coverage you need can protect you and your passengers up to the limits of your policy.
The Latimer Insurance Agency is a full-service insurance agency in Bethesda, Maryland (Montgomery County) offering business/commercial insurance, auto insurance for your vehicle, home insurance for homeowners, renters and condo dwellers, and life insurance to all of Maryland (MD), Virginia (VA) Pennsylvania (PA), Delaware (DE), New York (NY), West Virginia (WV), North Carolina (NC) and Washington DC since 1919. Our experienced insurance agents at our office Bethesda, Maryland (Montgomery County) welcome your inquiries and are glad to discuss your coverage needs at any time. The scope of your insurance coverage and options depend entirely upon the policy and the insurance company providing it. This website is not intended to advise, offer or bind coverage. You should always discuss your insurance issues with professionals such as a licensed and qualified insurance agent before making any decisions or choosing a course of action.
We all know about the nightmare of buying a “lemon” – the used car that looks good but has all sorts of hidden defects and problems. First and foremost, you'll need to keep reminding yourself that you must leave your emotions out of this process. You might fall in love with that fancy sports car that just happens to be within your budget, but you'll need to resist the urge to overlook the flaws and ask yourself why the price is so reasonable. To make a good buying decision, you’ll have to prepare in advance, do your homework and gather information, do an unbiased evaluation of the vehicle you are interested in; and then if you still are interested, be prepared to negotiate the terms of the sale and the cost of the car. There are many good online resources to help you take the intimidation out of used car buying. Using the following tips can make your car shopping a positive experience.
Drivers are distracted in many ways, including everything from dealing with children, pets and other passengers, to operating the car’s climate controls, audio or navigation device, and from eating to old-fashioned map reading. However, by far the deadliest distractions come from talking on the cell phone and texting while driving. Moreover, using your cell phone while driving has been found to impair your ability to drive your car just as much as driving while drunk.
No matter what your distractions might be, they all fall into one of the following three categories according to which of your senses are distracted by the activity, and texting and other cell phone use combine all three.
According to research done by the National Highway Traffic Safety Administration (NHTSA), over half a million people were injured and over 6000 people died because of distracted or inattentive drivers in 2008.
When so many injuries and deaths occur from such a cause – and the number is increasing, then it raises our collective awareness and repercussions occur.
Obviously, the situation threatens a rise in auto insurance costs because insurance companies must pay increasing numbers of payouts; and this could result in increased premiums for all of us. Therefore, insurers are taking part in the movement to control distracted drivers.
This growing problem has also captured the attention of industry because of the potential for lawsuits against employers for injuries and damage caused by employees who carry out their business by cell phone while they drive.
As a result, a cross-section of safety and industry organizations, including the NHTSA, have joined in a campaign against distracted driving. They are encouraging states to enact laws to prohibit texting while driving and have drafted a sample state law which was unveiled by U.S. Transportation Secretary, Ray LaHood, in February, 2010.
In fact, 19 states and the District of Columbia have texting laws in place covering all drivers, and others are pending. State laws vary, and below are some examples as reported by the Governors Highway Safety Association:
The public campaign to stop distracted driving – especially driving while texting and using a cell phone – is spreading, and the media is doing its part, as well. Here are just a couple of recent examples:
Whether you are a business owner, employer or just an individual concerned about your loved ones, you will want to minimize your risk by limiting your cell phone use and texting to non-driving time and by encouraging others who drive your vehicles to do the same.
No matter where you drive – from rural roads to suburban streets and even highways around our cities – the threat of a collision with a deer is real.
Deer collision accidents are on the rise, partially because the deer are being displaced from their natural habitat by urban sprawl but also because the deer population is growing.
In fact, the Insurance Information Institute reports that over 1 .6 million deer-vehicle collisions occur each year and these accidents cause vehicle damage, injuries and even fatalities at a cost in the neighborhood of $4.6 billion.
Winter has really arrived. With recent temperatures dipping lower each week and the threat of ice and snow just around the corner, it’s not only unwise but unsafe to be unprepared for weather related driving problems this winter.
Be a smart driver -- brush up on these common sense rules for safe winter driving.
One more essential: Keep a Winter Driving Kit in your vehicle and stock it with: a bag of sand, salt or kitty litter, ice scraper, paper towels, shovel, snow brush, warning flares, window-washing fluid, a flash light, booster cables, a blanket, gloves and a cellular phone. You’ll have the peace of mind that comes from knowing you’re prepared for an emergency.
The key to safe winter driving is to plan ahead, know your vehicle, adapt to the weather and road conditions and know about your auto insurance coverage.
Here at the Henry A. Latimer Insurance Agency, we can help you evaluate your auto insurance coverage to be sure it is adequate should you encounter an accident on winter roads. Why not contact us before your next road trip?
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