Tag Archives:Safety
Don't Reject the Medical Payments Coverage!
Money-saving gurus everywhere these days tell you how to save money on your car insurance. They recommend you reject certain coverages to save money. Before you cut back, you should understand what you are giving up. One coverage often targeted is Medical Payments. Don’t reject the medical payments coverage and leave yourself open to an expensive bill just to save a few dollars!
What is Medical Payments Coverage?
Medical payments coverage is offered as part of a personal automobile insurance policy. Currently, the most popular limit offered is $10,000. Some carriers still offer up to $100,000 for a nominal amount. The cost can be as little as $8 dollars for a six month period.
What does Medical Payments cover? Medical bills for you and any other human occupants of your vehicle in the event of an accident due to bodily injury.
This could be very handy if you or your passengers don’t have health insurance. Another benefit could be that your paying your injured passenger’s medical bills could head off them filing a lawsuit against you. And there’s more…
The aspect of the coverage that most people are not aware of is that it covers you if you are injured by a motor vehicle while you are a pedestrian. You don’t even need to be in your vehicle. Let’s say you are walking down the street and you are struck by a car. This coverage would pay, along with any other coverage that might apply.
We had a customer who, unfortunately, lost his life a few years ago while on a business trip out of state. He was riding a bicycle and was hit by a car. His wife, among other things, collected the full amount of $100,000 from the medical payments portion of their policy.
So don’t reject the medical payments coverage until you do some research or call us for an explanation of the coverage. We can help you understand what you may be giving up. Then, you can make an informed decision.
Posted: Cynthia
Categories: Car Insurance, Cars, Home Insurance, Insurance, Liability Insurance, New Jersey, New York, New York Insurance, Personal Insurance, Pound Ridge NY, Renters Insurance, Safety
Motorcycle Rider Safety
There are over 314 million people living in the United States and they own over 9 million motorcycles. Let’s talk about motorcycle rider safety.
What causes most motorcycle accidents? There are many possible causes.
The most frequent cause is the inability of vehicular motorists to see motorcyclists. Motorcycles are smaller than cars and drivers tend to look for other cars, not bikes. As a result, estimating the distance and oncoming speed becomes more difficult. Those who primarily drive cars are also not used to the driving patterns of motorcyclists and so this also becomes harder to judge.
Over 40% of all accidents occur at intersections where a car driver is making a left turn in front of a motorcycle. Another common scenario is a driver is making a left turn on a four lane road. The car in the closest oncoming lane stops, but the motorcycle in the oncoming far lane decides to run the yellow light. Other common situations are when an oncoming driver rear ends a motorcycle or if the motorcyclist runs into the back end of a vehicle.
Another thing to keep in mind is the blind spot. Cyclists riding alongside a lane of cars may be out of the view of the drivers. This could lead to an unsuspecting driver colliding with the motorcycle as they try to change lanes.
Road conditions can affect a motorcycle rider far more than cars. Road obstructions such as potholes, fallen tree limbs or railroad tracks can be challenging. An icy or wet road or a road with sand on it can also present a perilous situation for riders. Larger vehicles such as vans or trucks that can block a rider’s view or view of the rider from other motorists are another major consideration for riders.
Riding a motorcycle is a lot of fun and the freedom of the open road is very inviting. But you need to be safe and aware out there. Take a class and get a motorcycle license, to begin with. Wear a helmet! Be safe, have fun, and call us for Motorcycle Insurance!
Posted: Cynthia
Categories: Insurance, Motorcycle Insurance, New Jersey, New York, New York Insurance, Personal Insurance, Safety, Uncategorized
Watch Out for that Summer Heat!
Summer is finally here! What’s better than a day at the beach, the park, or outside anywhere under the sun? Not much! Just watch out for that Summer Heat!
And, as long as you take precautions, you won’t have to worry about heat related illnesses. According to the National Safety Council, those most at risk for heat cramps, exhaustion or heat stroke are:
- Infants and young children
- Elderly people
- Pets
- Individuals with heart or circulatory problems or other long-term illness
- People who work outdoors
- Athletes and people who like to exercise – especially beginners
- Individuals taking medications that alter sweat production
- Alcoholics and drug abusers
Check out this article by the NSC. It’s full of great information describing how to recognize different heat-related illnesses and what to do if someone is suffering from one of them. This information can keep you, your loved ones, and even your pets safe this summer!
Enjoy the summer and call us for quotes for your home, auto, or boat.
Posted: Cynthia
Categories: Car Insurance, Cars, Connecticut, Insurance, Liability Insurance, New York, New York Insurance, Personal Insurance, Pound Ridge NY, Safety, Summer
Grill Fun And Safety for Summer
As the weather heats up, families are beginning to dust off the cobwebs and pull out the grill. (more…)
A Rocket Scientist's Invention may end Texting & Driving
After the death of his business associate, Scott Tibbitts made it his mission to make a difference, and try to save lives. (more…)
Posted: Cynthia
Categories: Car Insurance, Cars, Insurance, New York, New York Insurance, Personal Insurance, Safety
Frying Your Turkey? Safety Tips
Thanksgiving is all about family, food and togetherness. Keep it safe with some great tips from around the internet. (more…)
BBQ Tips for your Labor Day Weekend 2014
Labor Day is almost here and many of us are looking forward to firing up the grill as we celebrate Summer’s last hurrah. (more…)
Posted: Cynthia
Categories: Home Insurance, Insurance, New York, New York Insurance, Personal Insurance, Safety, Summer, Uncategorized
Texting and Driving Don't Mix
Remember the old campaign? “Arrive Alive! Don’t drink and drive!” Now, we’ve added a new one to the lexicon: Don’t text and drive!” (more…)
Posted: Cynthia
Categories: Car Insurance, Cars, Connecticut, Insurance, New York, Personal Insurance, Pound Ridge NY, Safety, Uncategorized
