6 Tips For Driving In The Rain and Thunderstorms

Driving In The Rain

Driving In The RainDriving in the rain or during a thunderstorm can be pretty nerve-wracking for most people. Worrying about having an accident or being stuck on the side of the road can be very overwhelming. It can also be very dangerous. However, a few tips and adjustments can take away some of the anxiety and help you stay calm during your commute.

Driving in the rain and thunderstorms

If you happen to get caught driving in the rain or thunderstorm, don’t panic . There a extra precautions you can take to make your trip a safe one.

A few tips to keep in mind:

  1. Turn on your headlights, wipers and defroster to increase visibility.
  2. Drive in the tracks of vehicles ahead of you and reduce your speed.
  3. Allow for increased space between your vehicle and the one in front of you.
  4. If you hydroplane, hold the steering wheel straight and remove your foot from the gas.
  5. Do not use cruse control during inclimate weather.
  6. Pull off the road in an open area away from trees to avoid a lightning strike.

Helping you to avoid claims is just one of the many value-added services we provide. In the unfortunate event you do have an accident, we will help you through the process. Give us a call during business hours or click here to view our after hours claim contacts. 

What You Need To Know About RV Insurance

RV InsuranceFamily time together, the open road, and visiting beautiful scenery. Those are just some of the benefits of having an RV or Travel Trailer. Whether you’re a weekend warrior or a full time travel buff, there’s lots to see on the open road. Your RV is your home away from home. That’s why you need to make sure it is protected. Just like you purchase Auto or Homeowners Insurance, you need RV Insurance to cover this investment. 

What is RV Insurance?

Travel trailer or RV Insurance has similar coverage to auto insurance, however it is more comprehensive and specialized for RV owners. RV Insurance is designed for the following vehicles:

  • Fifth-wheels
  • Pop-up campers
  • Stationary travel trailers
  • Park model travel trailers
  • Truck-mounted campers

Click here to read about auto insurance.

Types of Coverage Available:

A typical policy will include the following overages:

  • Comprehensive/Collision Coverage. Protects your RV from damages, such as fire, landslide, windstorm, vandalism and collision with another vehicle or objects. 
  • Liability-Only Travel Trailer Policy. Protects against accidental damage to other people’s property or personal injury to individuals not listed on your policy. 

Additional Endorsements:

Because RV Insurance is specialized coverage there are additional endorsements you can purchase. These endorsements let you add extra protection not included in a standard policy. These additional option include:

  • Emergency Expenses: Protection in case of a breakdown or damage to your RV or Travel Trailer.
  • Accessories Endorsements: For items attached to your trailer.
  • Full-timer Trailer Coverage: For those who live in their travel trailer most of the year.
  • Campsite/Vacation Liability: Coverage while your travel trailer is parked in an RV park. 
  • Low Branch Collision: Protection against damages from low-hanging branches to your trailer, awnings, and air conditioning units. 
  • Towing and Roadside Assistance
  • Total Loss Replacement

What Are The Benefits Of A RV Insurance Policy?

RV Insurance is specialized coverage different than auto insurance. When traveling in your RV, you will have additional items with you that you may not normally carry in your car. Jewelry, a computer, television, and camping gear are just a few examples. When you’re at a campsite, you are liable for other people’s safety around your trailer. Also, if you have an accident while traveling, you will need a place to stay  while the trailer is being repaired. Without an RV Insurance policy, none of these would be covered in the event of a loss. The biggest benefit is the peace of mind you receive. 

If you love the open road and seeking adventure, contact us today to get covered today. 

 

 

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6 Important Safety Tips for Senior Drivers

senior drivers

As we get older we get wiser, and for some of us that wisdom brings along with it the realization that we just can’t do some things like we used to. The key is realizing that you may need to take some extra precautions to ensure the safety of yourself and those around you on the road. That is why we have complied this list of tips for senior drivers. 

Driving Tips for Senior Drivers

  1. Avoid driving during rush hour. The traffic is usually heavy, and other drivers can be impatient.
  2. Avoid driving at night or in bad weather, especially if your vision is limited.
  3. Consider taking a safety driving course for seniors. These refresher classes will help you to brush up on your skills and meet some new people.
  4. Plan your route before leaving the driveway. Know exactly where you want to travel and how you need to get there. If you are unsure about your route, get exact directions.
  5. Keep yourself in good health by doing the following:
    • Exercise your upper body to keep it flexible. This will help you look over your shoulder at your blind spot.
    • Get regular vision checkups and have your lenses updated if you wear glasses and have a prescription change.
  6. Remember that certain medications or a combination of medications can cause drowsiness or fatigue. Talk with your doctor about potential side effects to medications you are taking, even those that are over-the-counter.

Safety First

Plan ahead for when you can no longer drive yourself around. Talk with family and friends to learn more about alternative ways to travel, such as public transportation and ride service programs. Or, establish a plan with your loved ones regarding how you will travel once you can no longer drive safely on your own.

Don’t Forget to Review Your Insurance Coverage

If you are not completing an annual review with your agent, you need to. Age could affect your auto insurance rates and coverage. Make sure your plan fits your needs. You can click here to learn more or give your agent a call today at 800-837-9969. 

Know The Truth To 8 Common Car Insurance Myths

car insurance myths

car insurance mythsAuto insurance can be complex and difficult to understand. With all the information available to policyholders, it can be challenging to decipher the facts from car insurance myths. Knowing what’s covered under your auto policy and the factors that determine your premium is crucial. What’s more, not understanding your coverage may lead you to believe you’re covered when that may not be the case.

To help clear up any misinformation surrounding your auto insurance policy and put your mind at ease, provided below are eight of the most common car insurance myths—debunked:

1. The color of your vehicle can affect your car premium.

Despite popular belief, the color of your vehicle has no impact on your auto insurance costs. When insurance companies are factoring your car into your insurance policy, they’re looking at the other components of your vehicle, such as:
• The vehicle’s safety features and ratings.
• The vehicle’s make, model, year, body type and engine size.
• The likelihood that the car will be stolen or vandalized.
• The cost to repair or replace the vehicle following an accident.

2. If someone else is driving your car and gets into an accident, their insurance will cover any damages or injuries.

The insurance held by the owner of the vehicle is typically considered the primary insurance in the event of an accident. So, regardless of who was driving when the incident occurred, the vehicle owner’s insurance is what will serve as the primary coverage to help pay medical bills or damages.

3. Your credit score has no effect on your insurance rates.

Your credit score is a significant factor insurance companies consider when they determine your premiums. Your credit score can show insurance agents how well you manage your finances and how likely you are to file an insurance claim. People with good credit tend to pay less for their car insurance since they are seen at a lower risk.

4. The minimum amount of liability coverage required by your state is adequate.

Of all the car insurance myths, this is one that is extremely important to understand. Although purchasing the minimum amount of coverage required by law may reduce your premiums, you may pay more out-of-pocket in the event of an accident. In many cases, it is advisable to select limits that are above your state’s minimum requirement. Severe accidents can be very costly when you consider the rising cost of medical expenses, court settlements and vehicle repairs. Liability coverage gets broken down into two basic segments:

  • Bodily injury liability coverage: Can help cover any medical bills that may come from an accident if you are found at-fault. Within bodily injury liability there are two subcategories:
    o Per-person limit is the maximum your insurance will pay per person.
    o Per-accident limit is the maximum amount of bodily injury your insurance will cover per accident.
    Property damage liability coverage: Covers any damages to a person’s personal property.

5. If your car is totaled, insurance will pay for your new car.

If your insurance reimburses you for a covered total loss, such as your car being totaled, depreciation is taken into consideration. Depreciation is the decreased value of an item over time from the age of the property or wear and tear. Depending on your type of coverage, you may get money for your totaled vehicle, but it will most likely not equal the original purchase price.

6. Personal auto insurance also covers business use of your vehicle.

Driving a vehicle for business purposes has its own set of risks, which requires different types of coverages that your personal auto policy may not cover. If you are using your vehicle for work or driving for a rideshare service like Uber or Lyft, you should check with your insurance agent to confirm that you are properly insured.

7. The more expensive the car, the more it costs to insure.

The price tag on your vehicle doesn’t necessarily determine your insurance costs. However, how much your vehicle costs to repair, the vehicle model’s loss history and other characteristics can influence your premium. If your car model is associated with more accidents or traffic infractions, or is costly to repair, it may be more expensive to insure.

8. Getting a traffic violation will automatically increase the price of your premium.

Getting one traffic violation doesn’t always lead to a higher premium, especially for minor incidents. However, if your violations become more severe or you continue to accumulate tickets, you will probably begin to see an increase in your insurance premium. Maintaining a clean driving record following a violation will help alleviate some of the financial repercussions.

Get the Facts

With all of the of false information surrounding auto insurance, it’s best to work with a trusted insurance professional. Contact Rinehart, Walters & Danner today to get a clearer understanding of your auto insurance options. We can help you better understand these common car insurance myths. 

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What All Newlyweds Need To Know About Insurance

newlyweds

newlywedsChoosing insurance may not be as romantic as deciding where to go on your honeymoon, but it is one of the most important things you can do as newlyweds. Although most couples are aware of the need to readdress their insurance needs when they get married, there is a disconnect between that awareness and whether they take action.

Use the considerations in this article as a way to start a discussion about your insurance needs. Rinehart, Walters & Danner can then help you narrow down your options.

Auto Insurance

If you and your spouse have separate auto insurance policies, it may be wise to combine them. Get quotes from each of your carriers, and shop around to see if any others offer multivehicle discounts.

Life Insurance

Newlyweds who both have jobs and are not yet dependent on their spouse’s income may not see the need for life insurance. However, as they build their lives together, that dependency grows. If you’re young and healthy, you can benefit from getting life insurance early in your marriage. Typically, you can lock in better rates than if you were older. Remember that the older you get, the higher the rates, so don’t put it off for too long.

While life insurance is less urgent for young couples who are both working and don’t have children, it is important for newlyweds with only one working spouse or those who have children from a previous marriage to purchase life insurance early in their marriage.

If you already had life insurance prior to tying the knot, don’t forget to add your new spouse as a beneficiary.

Disability Insurance

Young people are more likely to become disabled than die prematurely. In fact, more than half of Americans identified as disabled are in their working years—between ages 18 and 64— according to the Council for Disability Awareness.

Disability insurance is historically inexpensive, and can pay you between 50%-70% of your regular monthly income if an accident, illness or injury prevents you from being able to work. If your employer doesn’t offer disability insurance, you can purchase it on your own. This coverage can be critical for you and your loved ones.

Health Insurance

Don’t make the mistake of declining health insurance, even if you and your spouse are healthy. An illness or emergency can cause newlyweds financial hardship that could have been prevented with health insurance. If you and your spouse both have health insurance through your employers, you can maintain separate plans, but it may be cheaper to be on the same plan. Doing so can help you reach your annual deductible more quickly.

Certain life events, such as marriage, allow you to join your spouse’s plan as long as it is within the required time frame. If you decide to share a plan, compare both employers’ coverage and costs to determine which plan best fits your health needs and finances. Be sure to consider each plan’s deductibles, coinsurance, copayments, coverage limits, prescription coverage and choice of health care providers. Remember that if you have a preferred doctor, you’ll want to make sure he or she is in your network.

Don’t panic if employer-sponsored health insurance is not an option for you. Coverage is available to everyone through the Affordable Care Act. You can visit http://www.HealthCare.gov to review and select a plan through the health insurance marketplace, either during open enrollment or within 60 days of getting married. Or, you can contact one of our health insurance specialist and they can assist you with this process. Timing is restrictive so it is important you check into this promptly. 

Renters Insurance

If you rent your living space, you should consider renters insurance to cover the value of your possessions. If you already have renters insurance, don’t forget that you have more to lose now that you have combined belongings, such as furniture, electronics and jewelry. Consider increasing your limits on personal property coverage, which pays to replace or repair items that are stolen or damaged.

Homeowners Insurance

Homeowners insurance is similar to renters insurance, but it covers more than just your possessions. It also covers your home in case of fire, theft or other perils. Both renters insurance and homeowners insurance also provide liability coverage.

Shop Around for Coverage

Addressing your insurance needs early provides a solid foundation for your marriage. Review your financial situation and objectives with your spouse. Then contact Rinehart, Walters & Danner to help you find sufficient coverage within your budget. 

Helping You Understand Your Auto Insurance Coverage

auto insurance coverage

auto insurance coverageIf someone were to ask you what was covered under your auto insurance policy, would you be able to tell them? Like most of us, you would probably have a hard time confidently answering that question. Interpreting the various types of coverage offered under your auto insurance policy can be tricky. But it can also be extremely beneficial. The more you understand your policy, the more peace of mind you have knowing you are sufficiently covered in an accident. To help you develop a better understanding of your policy, here are six types of coverage that it may include.

6 Types of Auto Insurance Coverage 

1) Liability Coverage

Purchasing auto liability coverage can offer you financial assistance in the event that you are found liable for a vehicle-related incident. In most states, you are required to have two forms of liability coverage in order to meet the state’s minimum auto insurance requirements. The two forms of liability coverage offered are:

  • Bodily injury liability: Bodily Injury liability coverage pays for medical expenses caused by an incident for which you are found at-fault. If you or others listed on your policy were to injure a third party with your vehicle, it would be covered under your bodily injury liability coverage. Not only does bodily injury liability cover medical expenses, it can also help cover lost wages of the injured party.
  • Property damage liability: Similar to bodily injury liability, if you or someone on your policy collide with another person’s vehicle or property, your property damage liability coverage will assist you in paying for repair or replacement costs.

2) Personal Injury Protection (PIP) Coverage

Unlike bodily injury liability coverage, PIP is designed to cover medical costs, lost wages and other expenses for you, drivers listed on your policy and passengers in your vehicle who may become injured due to a car accident. Regardless of who is deemed at-fault. As such, it is also referred to as “no-fault” coverage. PIP coverage is not offered in all states. Since PIP requires your insurance company to help cover expenses regardless of who’s at fault for the incident, having PIP coverage typically results in higher premium costs.

3) Collision Coverage

Damage to your vehicle from a collision with another vehicle or object should be covered under your collision coverage. Collision coverage is typically required if your car is still being financed. But, once your car is paid off, you often have the choice to keep or remove collision coverage from your auto policy. Although your policy may be cheaper without it, collision coverage can be beneficial in helping you cover damages to your vehicle for which you are found at-fault. If the damages were caused by a third party, it would be up to their insurance company to cover the damages.

4) Comprehensive Coverage

Simply put, comprehensive coverage provides insurance for losses caused by anything that isn’t covered under your collision coverage. Such as losses from natural disasters, riots, vandalism and contact with an animal. If a tree were to get struck by lightning and fall on top of your vehicle, your comprehensive coverage could help cover damages to your vehicle from the incident. Although comprehensive insurance tends to have lower premiums than collision insurance, the cost can vary depending on your deductible amount and policy limits.

5) Uninsured Motorist Coverage

A recent study by the Insurance Research Council revealed that, in the United States, roughly 1 in 8 drivers are uninsured. Having uninsured motorist coverage can ensure you are protected in the event that your car is involved in a hit-in-run or if you get in a car accident with an uninsured third party. Let’s say you don’t have uninsured motorist coverage—if an uninsured individual were to crash into your vehicle, resulting in major repair costs and medical expenses, you could be financially responsible for all of your vehicle repairs and medical bills.

6) Underinsured Motorist Coverage

Much like uninsured motorist coverage, underinsured motorist coverage applies if you are involved in an accident with an individual who doesn’t have sufficient insurance to cover all of the damage to your vehicle or your medical bills. For example, if your claim exceeded the other driver’s policy limits, underinsured motorist coverage would help cover the remaining balance of the claim after the third party’s insurance limit was reached. Both underinsured and uninsured motorist coverage are required in some states, while it still remains optional in others.

Contact Us

For more information on the various types of coverage offered under your auto insurance policy, or for more information on your current policy, contact Rinehart, Walters & Danner today!

You can also Click Here to read more about auto insurance. 

Or Click Here to read how to save money on your auto insurance premiums.