McCurdy Group - Insurance and Financial Consultants
Showing posts with label car. Show all posts
Showing posts with label car. Show all posts

Wednesday, December 16, 2015

Keys To Great Holiday Travel




Are you planning a trip during the holiday season?  If you’ll be hitting the road over the next few weeks (or anytime really!), here are a few important things to keep in mind.

BEFORE YOU LEAVE TOWN:

       Get your oil changed and make sure your tires are properly aired up.
       Leave some lights on in your home so it doesn’t look empty at night.
       Ask a neighbor or friend to pick up your mail or newspaper. 
       Pack some snacks!  No one wants to be driving hungry (especially if you’ve got little kids riding in the back seat!) 
       Pack a car charger for your cell phone.  Your phone is is your map and your emergency contact.  Don’t let it run out of battery power on your trip!
       If you’ll be traveling in snow or ice, make sure to pack emergency supplies in your vehicle.
       Plan to travel on off-peak days.  It will mean less traffic, less stress, and a faster route to your destination.
       Get a good night’s sleep!  Driving fatigued is a leading cause of accidents.  Stay rested. 


DURING YOUR DRIVE:

       Wear your seat belt!  Always.
       Keep your gas tank at least half full.  You never know how long it could be between gas stations or how bad the traffic could be.  Don’t run on empty! 


And above all…be flexible!  Travel stress can ruin your holiday fun.  Plan to take your time and enjoy the ride!  

Wednesday, August 12, 2015

Car Insurance For Teenagers




Do you have a teenage driver (or one on the way)?  Back to school time is a great opportunity to think about car insurance savings!  

Having a teenage driver can be stressful.  You worry, first and foremost, about their safety and then about the costs.  And there are a lot of costs!  Things like purchasing an additional vehicle, getting licensed, and paying a little more for insurance. 

Fortunately, you still have options.

First you want to think about the vehicle your teen will be driving.  Premiums are higher on vehicles with comprehensive and collision coverage, which pays to fix your vehicle after an accident.  When you have a car that has only liability insurance (which pays only for damage your driver does to someone elses car), you pay a lot less.

If you are purchasing a car for your teen and need to watch your budget, consider buying an older reliable model for cash that will not require comprehensive and collision coverage.  We can help you weigh the cost and the risk to see if it is a good option for you.  

You also want to take advantage of all available discounts.  These vary by policy but typically include a discount for driver's education and one for having good grades.  With school about to start, it's a great time to setup an incentive plan with your teenager to make sure they keep those grades up and your premiums low!  

Still have questions?  Call us to review your current policy and look for ways to help you manage the cost of having a teenage driver.

Wednesday, May 27, 2015

Don’t Leave Home For Vacation Without Doing This...




Ready to head out of town on vacation?  Temperatures are climbing, school is ending, and everyone is eager for a break.  But there are a few things to keep in mind before you leave town in order to keep your possessions protected.

Don’t Advertise That You’ll Be Out Of Town


Think about the things that happen around your home on a daily basis, so that your home doesn’t look empty when you leave.

First, contact the Post Office (and the newspaper) and put your services on hold.  A full mailbox and a driveway full of newspapers are a sign to thieves that you’re an easy target! 

Can you put a few lights on a timer so that your home isn’t dark all night?  Even leaving on a few lamps will help.  Motion sensitive lights on your porch and driveway are a great idea too!

Do you have a neighbor that you trust?  Let them know of your plans, share your contact number, and consider leaving a spare key just in case. 

What if a severe thunderstorm hits while you’re out of town?  It could knock out power or even cause a tree in your yard to fall.  Your neighbor can make sure that your freezer is back on when the power restores or verify that there aren’t any leaks in the roof from the storm damage!  This can help prevent some bad surprises when you get home.

When You’re On The Road


The biggest tip I share with my clients is to avoid leaving valuables in the car! 

Many people believe that their belongings are covered by car insurance, but that is not the case.  The only coverage for your luggage and computer would be on your Homeowners Insurance and it’s subject to your deductible.

Also, most policies offer coverage for road side assistance and towing.  This can be invaluable when you are stranded (or accidentally lock your keys in the car in an unfamiliar town).  This coverage is inexpensive and quick to add to your policy. 


Have questions about your insurance before your next trip?  Give us a call anytime to discuss your policy or to get a quote!

Wednesday, November 26, 2014



Car-deer collisions are surprisingly more frequent than you might think. Nationally, about 1.5 million people are involved in deer collisions each year and more than a hundred people die as a result.

According to AAA, almost seventy percent of car-deer accidents occur during October through December when deer are most active, but this doesn’t mean that motorists can let down their defenses in other seasons. Historically, the majority of the car-deer accidents happen between 5:30 and 7:30 a.m. or between 5:30 and 8 p.m.—the hours that coincide with dawn and dusk as well as the times that most cars are on the road.

SAFETY TIPS:

·If you see one deer, slow down. Chances are there is another close behind. Be especially careful in heavily wooded areas, where deer are more prone to dart out in front of the car.

·Also, use your high beams whenever possible. It will give you a larger field of vision and you’ll have more time to react to animals in the road ahead. It might also help you spot deer at the side of the road before they run across the highway.

·The best defense is to be prepared. Wear your safety belts.

·Be extra alert on two lane roads near dawn and dusk. Be particularly alert near deer-warning signs.They are placed at known crossing areas.

Police departments say swerving to avoid a deer is sometimes more dangerous than hitting one. Severe collisions with trees or other cars—or rollover accidents—might result. If you swerve, or skid to a stop, there’s a chance the deer might panic and dart into the path of another vehicle, or back into the path of yours.

So what should you do if a crash with a deer is unavoidable? Brake firmly, keep both hands on the steering wheel, stay in your lane, and sound your horn. In the case of the ’Cuda driver, a firm foot on the brake pedal as soon as the deer was in sight might have given the animal that extra bit of time to get out of the way.

The jury is out on deer whistles, which claim to alert animals that a car is nearby. Some drivers swear by them, claiming they stop deer in their tracks. Others swear at them, asserting they do nothing but panic the deer into stampeding across the road. Then there are yet others who doubt they work at all, saying that the deer don’t hear the whistles until it’s too late.

In the event of a car-deer collision, you will find, as this client did, that such accidents are covered under the comprehensive portion of an automobile policy. Some insurance carriers claim up to one third of all comprehensive losses result from deer collisions.

In instances where you swerve and avoid the animal but end up colliding with something else, such as the ditch, the collision portion of your policy would also apply. Keep this in mind when you set your collision deductible.

And watch out for moose! They usually inflict five times the amount of damage to the vehicle than a deer does. In 1985, the winter in Alaska was particularly bad. By March 13th, 1985, there had been 165 train-killed moose, and on that night, a single moose on the tracks derailed a train, engine, and five coal cars.

Essential tips to avoiding deer car collisions

·Watch out at dawn and dusk

·High beams on when possible

·Slow down!

·Brake, don’t swerve

·Honk the horn

Friday, September 26, 2014

Driving Safety

One in three children and young adults that are in auto accidents are seriously injured or killed every year in America. It doesn’t matter how good a driver you are, no one can predict an accident. If you have children, make sure that they are properly restrained.

For infants and children eight years old and younger or at least fifty-seven inches tall should be in a federally approved child safety seat. Anyone over eight years old and fifty-seven inches tall should be wearing a seat belt. In Massachusetts, the fine for not complying with the safety seat rule could be fined $25 and their insurance will increase but more importantly it could save a life.

-Check Your Car Seat. Did you know that 73 percent of car seats are not used or installed correctly? Before you hit the road, please take 15 minutes for an at-home car seat checkup using the Safe Kids downloadable checklist (http://www.safekids.org/sites/default/files/car-seat-checklist.pdf). The checklist offers ways to make sure your car seat is right for your child and that the seat is installed properly. These tips are important because we know that when used correctly, child safety seats can reduce the risk of death by as much as 71 percent.

-Use Booster Seats. Safety in the car goes beyond your little ones. Kids who have outgrown a forward-facing harness seat are not ready for a seat belt or front seat yet. They are safest in a booster seat that enables the adult seat belt to fit properly. Even when children have outgrown booster seats, they are safest in the backseat until the age of 13.

- See more at: http://www.safekids.org/blog/what-parents-need-know-safe-summer-travel#sthash.bKsa52Nx.dpuf

Friday, September 12, 2014

Is There Coverage For My Company Car On My Personal Umbrella Policy?

Under the standard Personal Umbrella Policy there is not coverage afforded for the company car that you may be driving on a regular basis unless you are using that car for personal use AND you have “Use of Other Vehicles” endorsed to your Personal Auto Policy and also have that vehicle listed on your Umbrella at the time of a loss. The vehicle also cannot be “owned” by the named insured. Now if you happen to take the company car that is “not provided to you for your regular use” and happen to have a loss while you’re running “personal” errands, then the Umbrella Policy would afford coverage automatically. If that same scenario were to happen with the company car that was provided to you for regular use; you would need to have that vehicle endorsed to your Auto & Umbrella policies in order to have coverage. This is a tricky situation to say the least, so please contact our agency if you have any questions.

Friday, August 29, 2014

Passing on the Right

How many times have you seen a vehicle passing another on the right and wondered if that was legal? Well, there are special circumstances when this is actually legal but many people don’t follow the guidelines. It can only be done when the road is clear and is wide enough for two or more lines of motor vehicles AND:

-The vehicle you are passing is making, or is about to make, a left turn.
-You are driving on a one-way street.
-You are driving on a road where traffic moves in one direction (such as a multiple lane
Highway).

Needless to say, passing on the right is very limited and not allowed on all streets and in all situations. Before you pass another vehicle on the right; think of these guidelines to make sure it is ok to do so and safe. Patience is not only a virtue; it could save your life.

Wednesday, July 30, 2014

Health Conditions That Are Dangerous for Driving

Before you get behind the wheel of your vehicle, you should always be aware of your physical and/or health condition. Driving has become so complicated because as drivers; we need to be aware of other dangers that may cause us to make a quick decision and react even quicker. You need to be at your best before you get behind the wheel to drive. You shouldn’t drive if:
• You have vision or hearing issues. Make sure that your eyes and ears have been checked. Also remember to wear sunglasses on sunny days.
• If you’ve been drinking alcohol. Your judgment and reaction time could be affected with the smallest amount of liquor that is consumed.
• If you’re taking medications, whether prescribed by your doctor or over-the-counter, that makes your drowsy.
• If you’re under the influence of any illegal drug.
• When you’re tired.
• When you are upset because anger and depression can cause you to drive carelessly.

Wednesday, July 2, 2014

Safe Summertime Travels with Kids



Summer time usually includes traveling time for so many families across the country. If you're planning on a road trip with kids, here are a few tips to help you travel safely over the summer:

Check Your Car Seats. Did you know that 73 percent of car seats are not used or installed correctly? Before you hit the road this season, please take 15 minutes for an at-home car seat checkup using the SafeKids downloadable checklist. The checklist offers ways to make sure your car seat is right for your child and that the seat is installed properly. These tips are important because we know that when used correctly, child safety seats can reduce the risk of death by as much as 71 percent.

Use Booster Seats. Safety in the car goes beyond your little ones. Kids who have outgrown a forward-facing harness seat are not ready for a seat belt or front seat yet. They are safest in a booster seat that enables the adult seat belt to fit properly. Even when children have outgrown booster seats, they are safest in the backseat until the age of 13.
- See more at: http://www.safekids.org/blog/what-parents-need-know-safe-summer-travel#sthash.bKsa52Nx.dpuf.

Wednesday, December 14, 2011

A Ban on Cellphone Use??

The National Transportation Safety Board has just called for a ban on all cellphone use by drivers, including the use of hands-free devices. It is the most far-reaching such recommendation to date, based on years of studies into distracted driving accidents. There's also the concern that smart phones may give drivers even more reasons to look away from the road.

Two major dangers associated with cell phone use are:
1) drivers take their eyes off the road and hands off the wheel when using cell phones
2) drivers become so absorbed in the conversation or other phone uses that their ability to concentrate on driving is severely impaired.

There are many sources of distraction while driving; it's easy to question whether a complete ban on the use of cell phones would be enforceable or effective.

Thursday, February 24, 2011

Consider Rental Reimbursement Coverage

Under the best circumstances, having an auto accident is really annoying. It can be equally disturbing to realize you didn't buy rental car coverage on your auto insurance policy. So you could be faced with having no car while it's being repaired, paying the $500 deductible and another $300 to $500 for the rental car. If you've got the money, fine; but if you don't, rental coverage could be something you'd like to consider.

People may say "Hey, if the accident isn't my fault, I can collect from the other person's insurance carrier." That's true -- as long as the other person was at fault, they have insurance, and you get their name, plate number, license number, etc. If they don't have insurance, lots of luck taking them to small claims court for the rental car money.

I find that most of the time, it's better to take care of Number One and get the extra coverage. The cost is reasonable, ranging from $40 to around $100.