Uninsured Motorist Coverage – Too Risky Not to Have

The 2018 World Cup is fast approaching, with national sides making their final preparations ahead of this summer’s tournament.

We now know the groups after December’s draw. England have been put together with Belgium, Tunisia and Panama in Group G.

Gareth Southgate’s side were not among the top seeds, meaning they featured in pot two during the proceedings.

And with England’s route now mapped out, Southgate will be able to ramp up preparations for the 2018 tournament. 2018 World cup, football News ,Gaming ,Betscore ,Casino …..Sports.vin

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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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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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What To Do After the Storm

Be careful to take certain precautions after the storm has passed. Damage to your home can have a dramatic emotional impact, and it’s best to have a plan before the storm strikes for how to reenter your home. Having a plan, and being aware of certain risks, will minimize the threat of harm to you or your family.  

Keep these tips in mind:

  • Stay turned to local news organizations, such as a radio or television station, for important announcements, bulletins, and instructions concerning the storm area, medical aid and other forms of assistance, such as food, water and shelter.  
  • Remember that you may not have immediate access to your home. Emergency rescue crews, power crews and other personnel may be attending to special needs. Roads could be blocked, power lines could be down and people may be trapped and in need of assistance.  
  • Make sure that you have current identification. You may have to pass through identification check points before being allowed access to your home/neighborhood.  
  • Avoid driving, as roads may be blocked.
  • Avoid sight-seeing or entering a storm ravaged area unnecessarily. You could be mistaken for a looter.  
  • Avoid downed power lines even if they look harmless.
  • Avoid metal fences and other metal objects near downed lines.  
  • DO NOT use matches in a storm ravaged area until all gas lines are checked for leaks (keep flashlights and plenty of batteries at hand).  
  • Avoid turning the power on at your home if there is flooding present. Have a professional conduct a thorough inspection first.  
  • Consider having professionals/licensed contractors inspect your home for damage and help in repairs. This includes electricians, as well as professionals to inspect gas lines, remove uprooted trees and check plumbing.
  • Remember that downed or damaged trees can contain power lines that can be a hazard.  
  • Use a camera or camcorder to record thoroughly any damage done to your home before any repairs are attempted.  
  • In certain areas, the flooding rains that accompany a storm can create pest problems. Be aware of potential pest problems in your area, such as mice, rats, insects or snakes, that may have “come with the storm”.  
  • Telephone lines will likely be busy in the area; use a phone only for emergencies.
  • Flooding brings with it the risk of waterborne bacterial contaminations.
  • You should assume that the water is not safe and use properly stored water or boil your tap water.

These are just a few ideas to be thinking about before and after a severe storm hits. Remember to keep your radio tuned to a station issuing emergency bulletins and updates with the latest information.

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Three Myths about Aging and Driving

Myth 1:
All older drivers are bad drivers.
The Truth:
As a group, older drivers are relatively  safe drivers.
With greater maturity, experience and good judgment, older drivers are most often safe drivers. While they do have more accidents per mile driven, especially after age 75, older drivers have fewer accidents overall – testimony to the
decision by many to limit their own driving.
It is true that older adults (including passengers and pedestrians) are more likely to be seriously injured or killed in accidents – but this is mainly because aging bodies are more vulnerable. An accident that a 30-year-old might walk away from with only minor injuries could result in death for an 80-year-old.
While we should all be concerned about the frequency of crash fatalities of older drivers, this should not be mistaken as proof that older drivers are dangerous. In fact, older drivers are more dangerous to themselves than to others.
This increased danger underscores how important it is for older adults to drive more carefully and cautiously; your stakes are higher – you have much more to lose if you’re in an accident.

Myth 2:
At a certain age, everyone will have to stop driving.
The Truth:
Age does not determine whether a person will have to stop driving. Safe driving is about health and ability – not age.
Two people who are the same age can have very different skills and abilities to drive safely. For example, the differences in skills between two 75-year-old drivers can be great – and much of that difference can be attributed to differences in fitness and health.
Few members of past generations, who had shorter lives and experienced greater health problems, even considered the possibility that they might be able to keep driving well into old age. Today, as we live longer and healthier lives, we want to stay mobile and involved – and continuing to drive becomes important to our ability to do that.
Studying the potential and the limitations of older drivers is relatively new in our society. As this science evolves, we are learning more and more about ways to keep drivers safe. For example, we now know that many people who have stopped driving (often after a health event) may be able to regain their ability to drive safely.

Myth 3:
When older drivers have difficulties with driving, they don’t want families involved.
The Truth:
If someone needs to talk to them about their driving, many older drivers would prefer to hear from a spouse or children.
If a spouse or other family member feels that an older driver is no longer safe, it’s time for a conversation. Limiting or stopping driving can be a very emotional topic for all involved. In research conducted by The Hartford and the
MIT AgeLab, older drivers expressed their preference for who should speak with them about their driving, if it becomes necessary. We found that:
• Married couples prefer to hear from a spouse or adult children. Outside the family, doctors are their top preference.
• Single older adults prefer to hear from doctors, closely followed by adult children.
• Most older adults put law-enforcement officials and other authorities low on the list.
For the conversation to be successful, it is also important that it be factual and well-planned.

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Car Maintenance

Whether your car is a week old or 10 years old, you can’t have safety without proper maintenance. Follow the maintenance guidelines included in your car’s manual and you should be in good shape. Long before you need to begin thinking about major vehicle checkups, you’ll want to pay attention to the little things that can make a world of
difference to your safety.
Windshields: Dirt on windshields and windows acts as a filter, reducing and scattering light while intensifying glare.
– Keep windows and windshields clean, inside and out.
– Keep wiper blades clean, and replace them when they start to streak or smear your windshield. Buy winter wiper blades if you live in an area with ice and snow.
– Do not add tinting to windshields or windows, as this can reduce visibility. (Light tinting is OK, and a tinted band
across the top of the windshield reduces glare without impairing vision.)
Tires: What’s the biggest issue concerning the safety of your tires? No, it’s not lack of tread (although proper tread is certainly important). The most important consideration is proper inflation. And as a bonus, properly inflated tires will improve your gas mileage.
The recommended pounds per square inch for your vehicle’s tires is based on the car’s design load limit, and can be found in the owner’s manual or on a sticker on the inside of the driver’s door. The only way to know for sure that your tires are properly inflated is to check them with an accurate tire pressure gauge; it’s nearly impossible to tell if tires are
properly inflated just by looking or kicking!
You should check your tire pressure seasonally, before a long trip or whenever you have concerns about tire pressure.
– Tire pressure – Follow the inflation guidelines given in your car’s manual – not the number on the tire. Any tire can be used on more than one type of vehicle, and the number on the tire refers to the maximum permissible inflation pressure for that tire on any vehicle. Check your manual for the right tire pressure for your car.
– Tire wear – Remember to check your tires monthly for wear, as a problem can develop quickly. An easy way to determine if a tire has sufficient tread is to insert a penny, with Lincoln’s head straight down into the tread. If the tread doesn’t cover the top of his head, it’s time to go tire shopping!
Brakes: The importance of brakes goes without saying. It’s normal for brakes to wear. Have your mechanic check on them every 6,000 miles or so. However, have your brakes checked immediately if:
– You hear any grinding or screeching sounds
– The brake pedal feels less firm than it once did
– The steering wheel vibrates when you apply the brakes
These are just a few highlights about vehicle maintenance. Be sure to check your owner’s manual. There are also numerous books and Web sites available on car maintenance to give you guidance on keeping your car in top condition.

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Techniques to Avoid Crashes

Most crashes are not inevitable. While some are beyond your control, you can do a lot to avoid, or at least reduce the effects of, many crashes. While a defensive driving program will teach you many useful techniques for avoiding accidents, a few of the most important methods are highlighted here.
Left turns at intersections: This is one of the major accident situations involving older drivers. That’s because there can be many elements demanding your attention, such as other cars, pedestrians, kids on bikes, or a changing light – and a driver who is trying torun it. Impaired depth perception and other vision changes can make this a treacherous situation. Exercise greater caution while making a left-hand turn or choose a route that avoids difficult turns.
Rollovers: These types of accidents are responsible for 33% of car fatalities. Of those killed in rollover crashes, nearly 75% were not wearing a safety belt. Vehicles that are narrow and taller, such as SUVs, pickup trucks and vans, have a greater likelihood of rolling over. This is another factor to consider when selecting a vehicle. Of course, always wear your safety belt and don’t speed.
Changing lanes: This type of accident is a major problem for adult drivers. As we age, we may have more difficulty turning our heads to look at cars approaching in an adjoining lane. Rear-view mirrors are important safety tools, but they’re not enough. Turn your head and look for approaching traffic in the lane into which you’ll be moving.
• Parking lots: It will be no surprise to anyone who has driven, even for a short period of time, that most parking lots are driving nightmares. Cars are backing up, often with the side views blocked by large vehicles, trucks or buildings; shoppers are hurrying to and fro without a glance left or right; and children newly released from the confines of their cars are running across driving lanes. The best advice:

– Park so that you can drive forward from your spot when it’s time to leave, if at all possible.
– Park farther away in the parking lot if you can, so you will have fewer cars and pedestrians to contend with as you depart.
– Drive very slowly in the lot and be prepared to stop quickly at every intersection, whether or not you have a stop sign.
– Watch for drivers who can’t be bothered driving in the established lanes, and who choose instead to follow their own direct route diagonally across the lot.
– Remember that you want to simply avoid an accident, not to show that you have – and intend to take – the right of way!

Cell phones and other electronic gadgets: Whether you’re talking on a cell phone, texting, using your laptop or any other device not related to driving, you will be distracted from the task at hand – safe driving. State traffic laws are beginning to catch up with the common use of electronic devices, often banning their use while driving. Pull over when you need to use any electronic device.
Dark, rainy nights: These driving situations are difficult at any age, and they’re especially dangerous for us as we age. By the time we reach our 40s and 50s, we have already noticed that our vision is less sharp on dark, rainy nights. Do your best to avoid driving in these conditions if you are uncomfortable. Now is the time to ask for a ride or, if possible, to put off the errand or visit until tomorrow.

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Your Pets as Passengers

It is asking a lot to expect a pet to behave in acar, so it’s important to create an environment that’s safe for both your pet and you.
Small dogs often prefer to curl up on someone’s lap – and if that lap belongs to the driver, you have an unsafe situation. Car seats for small dogs are available through catalogs and in pet shops. Used with a back seat safety belt and a harness (never a collar!) on the dog, they keep pets in place, are soft and comfortable, and enable little critters to see out the windows – keeping everyone happy!
In addition to car seats, there is a wide range of travel harnesses designed for dogs of all sizes. These buckle into most standard safety belts to secure the dog safely and securely. Some dogs may be more comfortable in a travel crate. If
that’s true for your pooch, be sure the crate is secured within the vehicle.
Although they don’t generally like riding in cars, cats are safest in carriers – which should be restrained, preferably by safety belts. An unrestrained carrier will do nothing to protect the cat in the event of a crash – and will pose a danger to you and your passengers.
Pet Safety Tips
• Dogs and cats should always be kept safely inside the car.
• All pets should ride in the back seat, away from the passenger side air bag.
• Pets that are allowed to stick their heads out the window can be injured by particles of debris or become ill from having cold air forced into their lungs.
• Never transport a pet in the back of an open pickup truck.

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