Florida Roads Dangerous When Wet – Precautions and Tips to Follow

If you have lived in Florida any length of time, you know about those sudden afternoon showers.  The days can be very hot. The roads had been polished and smooth by the oil spots on the road. The rain blends with the oil and rubber-dust deposits and it becomes a recipe for disaster. The intersections can be very dangerous spots where cars stop and start frequently. It takes a while for these areas to be saturated and be washed off the road.

Before you get on the road, here are some precautions to follow in addition to regular auto maintenance:

  1. Check tire tread as well as tire pressure.
  2. Wipers should be replaced at least once a year.
  3. Every car should have a good emergency kit.

While driving in rain, here are some helpful tips to avoid dangerous situations:

  1. Turn on headlights even if not raining heavy. Daytime running lights are also helpful.
  2. Adjust your speed to the wet roads. Don’t expect to go the same speed on roads that you would normally travel.  If it is raining don’t rush and allow for longer driving time if you need to be somewhere.
  3. Defog windows when needed.
  4. Stay toward middle lanes due to water pools in the outside lanes. If the water is deeper than the bottom of the door, find another route.
  5. When driving through water, drive slowly and break softly. After the puddle slowly tap breaks to help dry off pads.
  6. Drive in the tracks of the vehicles in front of you however do not follow too closely to trucks and buses that may spray more water in your line of vision.
  7. If unable to see the road or what is in front of you, you should pull over and wait for the rain to subside.

What to do if car starts to hydroplane or skid:

  1. If hydroplaning don’t brake suddenly or turn the wheel. This can cause you to go into a skid. Let off the gas slowly and try to steer straight. If braking is necessary, pump the brakes lightly (unless you have anti-lock brakes you can brake normally). Wait until you can feel the wheel on the road again.
  2. If you do start to go into a spin, don’t’ panic, take foot off gas slowly and steer the car in the direction you want to go. You may have to turn the wheel several times to keep the vehicle in a straight line. If you don’t have anti-lock brakes, avoid braking. If you do have anti-lock brakes, break firmly as you steer into the spin.

In heavy rains the best way to remain safe of the roads is to avoid driving during the worst of the downpour. However, if driving is necessary, please use good judgment and the precautions and tips above to stay safe on the roads.

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PREVENTING MOLD DAMAGE

According to the U.S. Environmental Protection Agency and the New York City Health Department, homeowners can minimize the risk of mold by keeping these tips in mind.

  • Fix all water leaks
  • Decrease mold growth by lowering the humidity within your house.
  • Within 24 – 48 hours of contact with water, clean and dry any damp furnishings.
  • Clean all hard surfaces with bleach and water solution and or detergent. Dry surfaces completely.
  • Add fiber glass insulation on all cold surfaces (i.e. pipes, roof, walls, and flooring) in order to prevent condensation or constant moisture.
  • Carpeting and or laminate flooring should not be installed in areas of your home which have perpetual moisture or condensation problems.
  • When remodeling your home or constructing a new home, seek building products that help minimize the potential for condensation / moisture and mold growth with products such as MemBrain, a smart vapor retarder placed inside wall cavities.
Please note that this section highlights examples of safety precautions that you can consider to help prepare yourself, others and your personal property for a disaster. Please recognize that a particular precaution may not be appropriate or effective in every circumstance. We encourage you to use your own good judgment about what is appropriate.
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Driver’s Excuses For Using Cellphone When Driving.

 Many states have adopted laws that prevent cellphone use while operating a vehicle. It is a distraction that has caused many insurance claims and unfortunately lives. While it is not a law currently in Florida, it is highly discouraged by law enforcement officers.

Check out the list below and see if you have used any of these excuses or if there are other ones that you use.

Here are the top 10 excuses the Insurance Corporation of British Columbia compiled of local drivers who were caught using handheld phone devices while driving:

1. This is a bogus law.

2. It was my boss on the phone – I had to answer it.

3. I wasn’t using it – I just like to hold it.

4. Sorry officer, I didn’t see you trying to pull me over because I was on my phone.

5. But it was an emergency call to my wedding planner.

6. My Bluetooth died.

7. Driver: I’m using my speakerphone. Police officer: No, you’re holding your phone in one hand and steering with the other.

8. I’m not driving; I was stopped at a red light.

9. I wasn’t talking, I was checking my messages.

10. I was just checking the time.

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Motorcycle Safety

 

 

 

 

To stay safe, you need complete command of your machine and the best safety gear you can get. We also have some helpful tips to keep in mind as you’re heading for the highway.

Be Prepared and Protected

New Gear? Update Your Policy

Your  motorcycle may have some coverage for custom parts and equipment—however you have to make sure each piece of equipment is listed on your policy. Any time you buy safety equipment or customize your bike, update your insurance policy before you head out on the highway.

Training saves

One out of four motorcycle drivers involved in fatal crashes in 2006 were driving with invalid licenses.* Most carriers offer discounts to riders who attend the Motorcycle Safety Foundation’s safe riding courses or are active in one of 10 approved groups that promote safe riding. Do both those things and you can reduce your premium by up to 10 percent.

No one’s too old to wear a helmet

A motorcycle rider not wearing a helmet is forty percent more likely to sustain a fatal head injury in a crash than a rider without a helmet.* A National Highway Traffic Safety Administration study reports that “helmets saved 1,658 motorcyclists’ lives in 2006, and that 752 more could have been saved if all motorcyclists had worn helmets.”* Buy a full-face helmet for the best protection for your head and eyes. Wear other protective gear as well: heavy leather or synthetic gloves, long pants and jacket, and over-the-ankle leather boots.

In a crash, the SUV wins

When cars and motorcycles collide, it’s usually because the driver of the car failed to see the cyclist. With more SUVs on the road, it’s even more critical to take extra steps to become more visible. Use your headlamps—both night and day—and wear yellow, red or orange jackets to make yourself easy to see. Make a point of positioning yourself in your lane for visibility.

Ride sober

Driving impaired is more deadly for cyclers than other drivers. In fact, more than half of all motorcycle deaths occur when the rider has been drinking.*

* Source: NHTSA’s 2008 Traffic Safety report on Motorcycles.

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Pet Injury Coverage

With Progressive’s  Pet Injury coverage, your auto, boat, RV and now commercial policies protect your dogs or cats too.

What is Pet Injury Coverage?

Pet Injury coverage comes complimentary with Collision coverage, and if your customers’ dog or cat is injured in an accident while riding with them, Progressive will pay up to $1000 to help with veterinary bills and medicine.
Currently, Pet Injury coverage is not available in North Carolina and New Hampshire.

When Can Pet Injury Coverage Be Used?

Pet Injury coverage can be used whenever a pet is injured during a claim covered by Collision or Comprehensive coverage. This coverage is available for pets riding in the car and owned by your customer or his/her relatives.

Pet Injury coverage is built into Collision coverage – there’s no added cost if the customer chooses to use it or not use it. Collision coverage must be included on at least one covered vehicle on the policy to receive Pet Injury coverage.

 

Coverage Highlights

  • Coverage is limited to dogs and cats owned by the named insured and resident relatives.
  • Only covers injuries sustained in a “collision” or “comprehensive” claim.
  • The pet must be inside the vehicle when injured to be covered (includes pickup truck beds).
  • $1000 is the most Progressive will pay in a collision or comp claim regardless of number of pets injured or that die.
  • Pays up to $1000 for veterinary bills if a pet is injured in a coll/comp claim.
  • Pays $1000 if the pet dies as a result of the coll/comp claim. The insured does not need to replace the animal to get paid.
  • In cases of theft, we will cover a stolen pet for the $1000 death benefit only if there is a total theft of the car while the pet is in it.
  • The customer will need to provide proof of payment to be reimbursed for vet bills.
  • There is no coverage if there is not Collision coverage on at least one vehicle listed on the policy. If Collision coverage is purchased on any one vehicle, Pet Injury coverage is provided whether the pet is in the vehicle with collision coverage or one of the other vehicles that may not have collision on the policy, or in a “non-owned” car as defined in the policy. Furthermore, there is coverage if the pet is injured, dies or is stolen as a result of an event that fits the definitions of Comprehensive (even if Comp coverage has not been purchased).
  • If the loss is excluded for the vehicle under Part IV of the policy, coverage for Pet Injury is also excluded.
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Welcome to The Ormond Agency Blog!

The Ormond Agency has offered a full service of independent premier personal insurance lines with coverages in Central and North East Florida for over 7 years. With our experience in insuring more than 14,000 clients with their home, auto, watercraft and other personal assets protected by top rated carriers, we can proudly provide our professional knowledge of insurance services to you. Read More…

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