Safe Driving Tips for Everyone

As an insurance agent I get to see that magical progression into adulthood when the offspring of my clients receive their driver’s license. With this rite of passage comes an awesome responsibility on the part of the youngster. It is also important for the new motorist as well as the seasoned driver to understand and respect the dangers and risks involved in using an automobile. This might seem elementary, dear Watson, but most of us take driving for granted and lose focus on loss preventative techniques that will help keep us out of harms way.

The following are a few tips which should benefit both the novice and experienced drivers:

1. Alcohol is the number one contributor to accidents. Don’t use a mind altering drug when you drive and assume that most motorists on the road after midnight have been drinking.

2. Do not use a cell phone while driving, it is illegal in Connecticut. If you have to talk to someone, stop the car and do it.

3. Your mirrors are a great visual aid but don’t trust them entirely. Most have blind spots.

4. Antilock brakes usually don’t work well in wet or icy conditions.

5. When the light turns green at an intersection, don’t gun the accelerator. The other driver may be running his red light.

6. Pass trucks quickly. Truckers may not see an auto that is just behind their mirrors.

7. You may know the order of rotation at a 4 way stop but you can bet that most have forgotten. Show how courteous you are and let the others go first.

8. Drowsiness from lack of sleep is becoming epidemic – especially in teens. A car can go 100 feet with the blink of an eye. If you find yourself falling asleep behind the wheel, get off the road immediately. Take a nap or get some exercise and make an honest assessment of  whether you should continue driving.

9. It’s okay to go the speed limit.

Our crowded roadways and frantic lifestyle has exacerbated the risks of driving. Relax, give yourself plenty of time, and happy motoring.

To learn more about how we can keep you safe on the roads, contact Guy Hatfield at 203 .256.5660 today.

An Umbrella for Stormy Weather

umbrella policy

All of us have the potential of experiencing “stormy weather” when it comes to insurance claims. Even careful drivers could find themselves negligent in a car accident where bodily injury claims reach staggering amounts. Although severe accidents are rare, it is advisable to “load up’ on insurance coverage for our protection against liability claims from others you may injure. A good way to do this is to purchase what is referred to as an “umbrella” policy. Many think that the term “umbrella” is some mysterious all-encompassing insurance contract that will cover everything imaginable. The umbrella is merely a policy that provides excess liability insurance. It is additional insurance beyond what is provided by other policies you may have. For instance, if you have an auto policy that has $300,000 of liability limits and you purchase an umbrella for $1,000,000, your total protection is $1,300,000. The umbrella will provide excess liability over a variety of insurable interests such as auto, home and investment (non business) properties, and boats. The cost of an umbrella is surprisingly low. The premium for a $1,000,000 contract providing excess liability over two cars and a home is approximately $180 a year. Personal insurance umbrella limits are available up to $10,000,000 usually.

Umbrellas are frequently used in business insurance as well. Limits could exceed $100,000,000 for some industries where there is a possibility of catastrophic loss. Movie theatres and other businesses where a large number of people congregate in a confined space purchase high limits.

Umbrellas normally provide the same coverage found in the underlying policy and some provide expanded coverage such as automobile liability while driving in other countries.

Ask your insurance agent to design an umbrella program that is right for you.

For further information about the personal and commercial umbrella and other insurance matters contact Guy Hatfield at 203.256.5660.

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