Auto Insurance

Why You Should Use a Local Car Insurance Agent

If you are like many motorists, you might be tempted to buy car insurance from a large, multi-national provider. While that approach might work for a pre-packaged policy, it will likely fall short if you want coverage designed specifically to meet your needs. When it comes to offering the right coverage for Connecticut motorists, local car insurance companies in CT usually beat their competitors.

Driving Risks Are Usually Local

If you are driving between New Orleans and Shreveport, you might swerve to miss an alligator and end up submerged in a swamp. That’s likely not going to happen on your drive from Dayville to Hartford. Since most automobile accidents and thefts occur within 25 miles of home, you probably want an insurance agency that understands the risk profile in your specific area.

Local Agents Typically Better Anticipate Driver Needs

You are probably busier than ever these days, trying to juggle family and work life. As such, you might not realize when you need an upgraded insurance policy. Generally, the following circumstances might require a change in your coverage:

  • New Address
  • New Family Member
  • New Driver
  • New Car

If you work with a local agent, he or she can likely anticipate your coverage needs before they arise. Before you opt for a gigantic, impersonal provider, you might consider working with local car insurance companies in CT.

Auto Insurance-Connecticut and Being A Safer Driver

In the state of Connecticut there’s a real difference when driving at different times of the year, so your driving techniques should reflect this. As we move closer to winter the rain, ice and snow will have a dramatic effect on how you should act and react when behind the wheel of your car. Driving too fast in bad conditions greatly increases your chances of being in an accident.

Winters can be extremely harsh, and visibility, obstructions, and breaking time may all factor into whether or not you are involved in an accident. It’s important to demonstrate defensive driving techniques, which may not only save your life but the lives of others as well. Another component of being a good driver is showing responsibility by carrying auto Insurance-Connecticut each and every time you get behind the wheel of your car.

Stay aware and be ready for unexpected events

Many drivers, particularly those that are tired, tend to develop a hypnotic stare. This means you are no longer concentrating on the road, but instead are just focusing straight ahead, or staring at the line between lanes. You may be unaware of a dangerous situation developing and this can easily lead to you becoming involved in an accident. Try keeping your eyes constantly moving, looking for anything on the road, fallen branches or a deer for instance, and using your mirrors so that you always know what’s happening behind the vehicle as well.

As the sun sets it may be positioned so that it temporarily creates a blinding effect. This is a common cause of concern for many motorists. Wearing sunglasses or using the sun flap to partially block it can greatly reduce this blinding effect. Driving a little slower can help reduce the likelihood of running into the vehicle in front of you should they come to a sudden stop.

As winter draws near, begin watching weather reports prior to embarking on long-distance drives as this will help to give you an indication of how dangerous conditions might become if storms are approaching. Most of all always drive with some amount of caution when conditions become less than desirable and carry sufficient auto insurance-Connecticut in case you are involved in an accident.

Collectors Cars Insurance for the Conscientious Owner

Classic car owners love their vehicles whether they are sitting in storage or they are behind the wheel taking it for a spin. When they are on the road they have to be careful of drivers less conscientious than themselves in order to avoid accidents. Therefore they need to make sure they have appropriate collectors car insurance coverage for their cherished automobiles.

Classic car insurance companies have the ability to offer superior coverage at lower premiums and can provide other worthwhile benefits as well, many specifically tailored to collector cars. Policy options often include repair shop options, roadside assistance (with guaranteed flatbed towing), and coverage for spare parts and tools.

Types of policies offered

Guaranteed (or agreed) value coverage is typical for most companies specializing in classic car insurance, while a traditional auto policy writes actual cash value (ACV) or a stated value policy. With an agreed value policy, the owner and insurance provider agree upon the car’s value at the time the policy is issued, and that value will not be depreciated in the case of a total loss.

An ACV policy will potentially depreciate the car’s value, reducing the amount of the claim. This difference is particularly important because most classic cars appreciate in value over time, while most other cars depreciate.

Coverage options to consider

Classic car owners are often quite passionate about their vehicles. Their agent’s job should be to provide the client with the best protection for something that they truly cherish. It’s important to properly value the car when seeking an insurance policy for collector’s cars.
Most specialty auto insurers recognize that the risk for loss is far less in a classic car than in a regular-use vehicle, which means the premiums are often much lower as well.

An insurer that handles claims in-house makes for more efficient claims handling and ensures that the person handling the claim has experience with the unique needs associated with collector cars. Since these cars are seldom driven, classic car owners are more likely to experience a minor break down rather than a major claim.

It’s important to maintain collectors cars insurance coverage even at times when the vehicle is at a shop or in storage and not being driven. In the event of fire or theft, the client would shoulder the responsibility for the entire loss if the vehicle weren’t properly covered.

Distracted Driving and the Cheapest Car Insurance in CT

Distracted drivers remain one of the top reasons why there are so many traffic accidents on the roads today. Because of their obsession with cell phones, particularly texting and playing games, many young motorists take their eyes off of the road and this can be a fatal mistake. Cell phone use while behind the wheel has become a major concern for law enforcement in recent years.

Hopefully no one is killed due to this type of dangerous activity, but accidents still result in a lot of damage and expense and that’s why it’s suggested that you, whenever possible, look for the cheapest car insurance in ct that will still give you coverage in the proper amounts that meet the standards of the state.

Younger drivers often don’t consider the risks

The concern is greatest among younger drivers due in part to their inexperience. While cell phones are often the culprits, teen drivers can be distracted by any number of things. For example, a car full of kids screaming or horsing around can lead to an accident, as can merely eating, or looking at the GPS for direction. Whatever the reason, kids need to be reminded that the danger of being involved in a serious accident is not worth the risk of not giving the responsibility of driving a vehicle on highways and city streets the proper attention it deserves.

Adults can be equally responsible for their lack of good judgment

Young drivers are not the only ones found at fault for accidents due to distracted driving. Adults and the elderly are often at fault for crashes that are caused by driver inattention.

Many adults feel it’s okay to dial a cell phone while driving because they think they are quite adept at multitasking, but doing so can increase the risk of a crash many times over.

Even scrolling through the menus of an iPod looking for a particular song forces a person to take their eyes off of the road, and at that precise moment some event could take place, a changing light or a car merging into their lane, leaving them with little time to react to the situation. Often people engaged in cell phone conversations miss traffic signals when talking on a phone, or take longer to react to signals when they do notice.

Regardless of what causes the many accidents occurring every day, it makes good sense to invest in the cheapest car insurance in ct to help pay the cost of damages associated with traffic collisions.

The Benefits and Advantages of NJ Classic Car Insurance

Antique, classic and collectible automobiles aren’t standard vehicles by any means. Their owners take exceptional pride in the ownership of these cars that represent an historic look at automobiles going back to the inception of motor vehicles.

This illustrates the need for NJ collector car insurance for owners here in the Tri-state area and why this specialty insurance is so important. Owners of collectors and classics, to modified vehicles and everything in between, knows the value of their cars and understand how important it is to get the insurance coverage they want and need.

Some enthusiasts have gone as far as to lovingly rebuild their antique auto or classic car from the ground up while others have purchased a perfectly restored showpiece; in either case it’s much more than a car to them based on their passion for collector autos.

What determines whether a car is a classic or an antique?

A classic car is defined as a motor vehicle ten or more years old, which is rare or of special historical interest. This is due in part to it possessing exceptionally fine workmanship or status as a limited edition. Most insurers consider a classic motor vehicle that is currently 25 years old, or older, an antique.

In order to be eligible for classic car insurance the vehicle must meet some important conditions, such as your antique or classic car must be used on a very limited basis, (i.e. exhibitions, club activities, and parades or similar events), and/or you need to have restored, maintained, or preserved your antique or classic car.

How is a collector car insurance policy different from a standard auto insurance policy?

Because collector cars don’t depreciate, coverage is based on agreed value rather than actual cash value. You and the agent agree on a value at the time the policy is purchased and this takes into account everything you have invested in your classic car.

Collector car insurance rates are typically lower than standard auto insurance rates since collector cars are generally well maintained and are also driven less than everyday cars.

Road use tends to be restricted for antiques, and since they’re not used for daily driving, this specialized NJ collector car insurance coverage is much less expensive than ordinary car insurance.

Accident Prevention and Auto Body Insurance

As long as we own and drive cars we will be subject to accidents occurring. The need for auto body shops isn’t going the way of the horse and carriage anytime soon, so owners of these businesses need to protect their most valuable assets: their workers. Running an auto body shop comes with a slew of risks and exposures associated with the type of work being performed and you should be well informed about your exposure to these risks, work on ways on how to avoid it, and learn how to prevent gaps in your auto body insurance coverage.

Employees’ risks & hazards for auto repair & body shops

Risk can come from any direction, at any time and the severity can be major, even resulting in a loss of life. It’s a harsh reality, but with the equipment, tools, chemicals, and of course the vehicles involved in this type of business, the possible scenarios are important to consider. Risk exposures can cause substantial losses and setbacks to your business, and therefore must be met head on with safety procedures, precautions, and some good old common sense.

Auto body shops have a myriad of hazards they need to protect their employees from including antilock agents, asbestos, lead dust, solvents, diesel exhaust fumes, heavy objects, and faulty lifts and jacks. Some of these hazards can lead to serious illnesses and injuries including:

  • Cuts and burns
  • Hearing and vision loss
  • Broken bones and paralysis
  • Strains from overexertion, and
  • Accidents as a result of slips and falls

Tips for preventing injuries

Make sure workers get help lifting or moving extremely heavy objects. Have them use jacks and lifting aids for lifting and holding heavy parts for installation, and use rolling work stands in order to avoid having to bend over to pick up tools. In addition you should help prevent work-related asthma by having employees wear approved respiratory equipment. Make sure your respiratory protection program meets Division of Occupational Safety and Health (DOSH) requirements.

Additionally, have staff in work areas:

  • Wear eye protection
  • Wear protective clothing to avoid contact with paints and chemicals
  • Avoid cuts by wearing puncture-resistant gloves whenever possible, and
  • Always keep knives sharp to avoid using excessive force, always cutting away from the body

Typically, workers’ compensation will help protect your business from these types of claims. Having the proper amount of auto body insurance coverage and creating risk management and loss prevention programs can make all the difference in the world.

CT Car Insurance and Vehicle Maintenance

Hopefully most of us survived this past winter’s turbulent weather. The storms along the east coast were particularly tough on a lot of folks in the area, and driving conditions were quite severe, to say the least. If you managed to avoid getting into a collision, or had the good sense to protect your assets with a CT car insurance policy, then you are probably much better off than some people.

With spring finally upon us, now is as good a time as ever to do a little spring cleaning and check out your vehicle for any damage or concerns from the previous few months, as well as look to exercising some prevention on a couple of common weather-related problems.

The final weeks of winter leading into spring can be rough, and there may be some forgotten issues concerning those terrible road conditions that we experienced that can bring some serious issues. For example, rust damage, which can happen to your automobile over time, as a result of salt used to melt away snow. Drivers will need to protect their cars from the road salt, as it can rust undercarriages and wheel wells. Make sure to take your vehicle to a car wash the first chance you get.

Pothole damage is another post-winter concern

Potholes are another serious problem in areas with a lot of snowfall, since road hazards form when water seeps through cracks in the asphalt and expands in cold weather and contracts in warmer weather. This constant “freeze-thaw cycle” causes the road to break apart and form potholes. This can do serious damage to your car, so try to avoid them when you can and bring your car in for a post-winter checkup to make sure you don’t have any issues.

While your CT car insurance will come in handy if you are involved in an accident, you should be proactive about any damage caused by both of these weather-related issues. If you have concerns about whether you have the necessary coverage in place, contact your local insurance agent. When it comes to your auto insurance policy, if you have any concerns, you always have the option of adding more coverage.

Types of PA Auto Insurance Coverage Available

Making sure you have the right PA auto insurance coverage is crucial to safeguarding your financial future. There are several different types of coverage available, and you need to be sure your policy gives you exactly what you want. Before you speak with an insurance agent, you should review what your coverage options are. This will allow you to ask relevant questions about the types of coverage offered.

Know Your Options

Most PA auto insurance policies will give you four coverage options:

  • Comprehensive coverage – covers damage to your vehicle from non-collision related events, such as theft or fire
  • Collision coverage – protects you from loss in the event of an auto accident
  • Medical coverage – takes care of the medical expenses incurred by the occupants and driver of the insured vehicle
  • Bodily injury and property damage liability coverage – covers you in the event that you cause others injury or property damage while operating your vehicle

If you have a specialty automobile like a classic car or a high performance vehicle, you can often find coverage for it as well.

Protect Yourself

Knowing your coverage options ensures that you pay for exactly what you want, so you get quality protection at an affordable price. Unfortunately, being a safe driver doesn’t guarantee you protection from auto accidents or vehicle damage. The best way to prevent financial complications associated with driving accidents is to purchase PA auto insurance.

 

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Auto Dealer Insurance and Workers Comp Issues

Employers of car dealerships need to continually alert their staff about safety concerns while working. They need to constantly be proactive when it comes to providing a safe workplace for their employees. Auto dealer insurance, in the form of workers comp coverage, will aid in the physical and financial recovery of those employees who may experience injuries while at work, but having safety procedures in place can help prevent injuries from occurring in the first place.

 

Helpful ways to improve dealership safety

 

Owners and supervisors must be aware of hazards that exist, as well as inform workers of known dangers and put measures in place to inform about (as well as correct) those issues and areas of concern. The following are examples of common practices that owners can implement in order to improve job site safety:

 

  • Provide a safe and healthy workplace

 

  • Ensure that workers are adequately trained

 

  • Keep written records of training

 

  • Establish and maintain a comprehensive occupational health and safety program

 

  • Include a written health and safety policy and an incident investigation procedure

 

  • Support safety coordinators and workers on their health and safety activities

 

  • Take immediate action after a report of a potentially hazardous situation, and

 

  • Initiate an immediate investigation into incidents

 

In addition, they need to report serious incidents to the proper authorities and provide adequate first aid facilities and services, along with providing personal protective equipment where required.

 

One thing that can greatly improve existing conditions is having regular worker safety meetings. New employee training should occur as soon as possible, and before any actual work duties are issued. The supervisor on duty should ensure this training takes place.

 

Supervisors should instruct workers in safe work procedures at all times, and check that their work is being done safely. They should also ensure that only authorized, adequately trained workers operate tools and equipment or use hazardous chemicals, and that equipment and materials are properly handled, stored, and maintained.

 

By enforcing health and safety requirements, correcting unsafe acts and conditions, and identifying workers with problems that could affect safety at the work site, supervisors are helping maintain a safe work environment, and reducing costs for auto dealer workers comp claims. However, the employer has the legal responsibility to ensure that every worker receives auto dealer insurance for workers compensation, especially for those times when claims arise.

 

photo credit: Century 21 Champ Realty -Bill Stevenson cc

Seat Belts Are a Safe Choice in Classic Cars

Those who are looking for classic car insurance in New Jersey, take note of one important safety fact: seat belts reduce injuries and save lives. In fact, they are considered the single most effective traffic safety device, according to the National Highway Safety Administration, cutting the risk of car accident injuries in half. Invented in 1885 for use with fixed objects, more than 50 years would pass before the first American automakers would offer seat belts as optional equipment—Nash in 1949, and Ford in 1955. The 1958 New York Motor Show highlighted the Saab GT750 with seat belts included as standard equipment;  many others (but not all) followed suit after that. Even so, it was not until 1968 when U.S. lawmakers made it mandatory for cars rolling off assembly lines to be equipped with seat belts.

Mandatory use of seat belts was first required in 1984 in New York; today, all but one state (New Hampshire) have mandatory seat belt laws, according to the Insurance Institute for Highway Safety. However, classic cars currently are not required to be retrofitted with seat belts if the vehicles were not originally equipped with them, notes an IIHS spokesperson. This presents a host of issues where prudence and purity collide, and a Catch-22 if vintage vehicle owners want to allow children to ride along with them.

Laws vary by state, but all states require use of child restraint devices or booster seats for younger children and seat belts for older children—but of course, it’s impossible to buckle in a  car or booster seat (or buckle up an older child) unless seat belts are present in the first place. What’s more, antique and classic cars don’t have the crumple zones, airbags, antilock brakes, third brake lights, and other features that make for a safer ride; and even if one wanted to install seat belts, some enthusiasts argue that pre-1960s cars may not have the structural strength to attach seat belts capable of withstanding the force of a crash at 60 MPH without the benefit of expensive modifications. Still, others—especially those who show their vehicles–insist that keeping a car in its original state is paramount, noting that the addition of seat belts could actually result in point deductions during judging.

As owners ponder the question of “to belt or not to belt,” it’s important to realize that classic car insurance in New Jersey is just as important as the steering wheel. Contact a professional agent who has all the experience necessary to protect everything from antique automobiles to exotic, one-of-a-kind automotive wonders and more.

 

photo credit: lars erik skrefsrud cc