Driving Safety Tips for the Beginning of Fall

Driving Tips (Safety)

Blog-Driving-Safety-Tips-for-the-Beginning-of-Fall-picThe end of summer and the beginning of fall; a time that always seems to come much too quickly. A time when parents send their kids off to school, and college campuses fill up within weeks. All of the excitement, moving, and traveling brings with it much busier roads, especially around highways and colleges.

Although it may seem obvious to some, vehicle safety during these times is extremely important. Motor vehicle accidents are still, unfortunately, featured on the news almost daily. Ready to become independent and go off on their own for the first time, kids may scoff at learning vehicle safety tips, but it is highly advised that parents teach their children at least the most basic safety information.

Here are several driving tips to help have an easy transition from summer to fall.

Put away the cell phone

Hopefully this one is obvious by now. But, even though there is cell phone safety laws in several states, it still seems to be an issue. Make sure any driver, or even yourself, has a firm grasp on how dangerous it is to drive while using a cell phone. If worst comes to worst, the best thing to do is to pull over if there is a text or a phone call that needs to be answered. Taking a few minutes to pull over might waste some time, but it will help to avoid serious accidents.

Avoid driving with too many people in the car

Having too many people in the vehicle is just as risky as driving with a cell phone. Too many passengers can be distracting to the driver, even if they aren’t trying to be. When more than two people are in the car, make sure to focus closely only on the road.

Make sure the vehicle is in good shape

If you or a loved one is going to be using a vehicle more during the fall, make sure to get a maintenance check up. Double check that the mirrors are working properly, the tires are filled, and the brakes aren’t worn. These small maintenance checks can sometimes go overlooked if the car seems to be running fine, but it doesn’t hurt to be 100% sure.

Even if some of these tips have been heard before, it is imperative to have a firm understanding of them before hitting the road this fall. This is an incredibly beautiful and exciting time of year. Having this safety information in your back pocket will ensure that summer’s transition into fall stays that way.

Life Insurance: Your Work Coverage May Not Be Enough

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Life Insurance

Employee sponsored life insurance is often offered as part of a benefits package, but it may not be enough coverage to protect your family. The coverage you have is only as good as your HR team; if they make a mistake, fail to pay the premiums or even forget to inform you about changes, your coverage could fail when your family needs it most.

Life insurance purchased through your employer is convenient; there are often no medical requirements and premiums can be automatically deducted from your paycheck, but it is usually not enough. Taking advantage of this product is a good start, but most policies are based on your salary alone and don’t take your family’s ultimate needs into consideration.

It may not be enough coverage: If you have children, a spouse or other dependents you’re concerned about, taking out a private life insurance policy is a must. The private policy can be taken out in an amount that truly meets your needs, not an arbitrary number assigned by your employer.

Potential loss of coverage if you leave: Your job sponsored life insurance is tied to your employer, if you leave, you’ll have to figure out how to take it with you. If your employer has been covering some of the premium costs, you may be left with an overpriced policy that is tough to afford — or no coverage at all.

You’re overpaying for coverage: Insurance premiums can be less expensive if your employer is footing part of the bill, but if you are paying the premium, you’ll often find that the policy offered is significantly overpriced for the amount of coverage you are getting.

If you’re worried that your employer sponsored life insurance just isn’t enough — or think you may be overpaying, we can help. Contact us to learn more about your options and to find out just how affordable life insurance in the right amount can be.

3 Reasons You Need Life Insurance

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Life insurance may not be the most fun thing to think about, but that doesn’t mean it isn’t important. Instead of ignoring the necessity of life insurance, it’s best to be proactive about making sure your family and assets are protected. Here are three major reasons you need life insurance:

To Ensure Your Family Is Provided For

With a solid life insurance policy, you will know that your spouse and children will be financially provided for if the unthinkable happens. Even if your spouse works and has a good income, life insurance would allow them to take significant time off to deal with their grief as well as manage the practical details involved with an unexpected death. Life insurance will also help ensure your kids and significant other maintain the financial quality of life they would have if you were still alive.

To Avoid Debt

A life insurance policy also offers assurance that your family won’t have be burdened by any unpaid debts you leave behind, or go into debt due to the high cost of funeral expenses. Your spouse will be able to manage their expenses after your death without resorting to credit cards or loans.

To Gain Peace of Mind

While not a tangible benefit, the peace of mind you and your family gain from life insurance can be immense. Instead of losing sleep at night due to anxiety over what would become of your family if something happened to you, you will be able to rest easy knowing you have done the responsible thing by purchasing a life insurance policy.

At Yeager Insurance, we are always ready to help you and your family navigate life insurance and anything else insurance-related. Be sure to check out our blog for more helpful tips.

Three Reasons Your Small, Family-Owned Enterprise Needs Business Insurance

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Owning and operating a business comes with a great deal of responsibility, however, the rewards can be extraordinary. Entrepreneurs work hard to bring their ideas to fruition, and they must protect their investments to assure they continue to grow and prosper.Business insurance helps small business owners protect against damage and losses to property and vehicles, as well as helping to insulate against lawsuits.

Protect Your Property

Your business’s building, equipment, fixtures, tools and inventory are all considered assets. As such, they carry a great deal of value in terms of determining the worth of your company. They are also vital to your daily operations, and without them, you’ll be effectively out of business. A property insurance policy not only covers these important assets, it may also protect against equipment breakdowns and other issues, depending upon the specific clauses written into the policy. It’s wise to review your coverage with your agent to be sure that you’re sufficiently covered for property losses and damages on an annual basis.

Business Vehicle Protection

While it may seem easier to use your personal vehicle to run errands and perform other duties for your business, it’s not a great idea. If your business needs access to a vehicle on a regular basis, it is advisable to obtain a business vehicle insurance policy. This type of coverage protects your business against liability arising from an accident involving one of your company vehicles. Business insurance policies of this type can cover one vehicle, or an entire fleet and allows for multiple drivers to be covered at once. Business vehicle policies vary in their coverage, terms and cost.

Protect Against Lawsuits

Working hard to keep everyone safe within your building is not enough, it’s also a wise idea to obtain liability insurance to protect against lawsuits. There are three types of liability insurance available to small businesses; general liability, product liability and professional liability. For most businesses, general liability is adequate, however, those that create products should also consider product liability insurance. Professional liability, such as malpractice insurance for doctors, is used less often by smaller entities.

As a business owner, you have a great deal on your mind every day, and you don’t need anything more to worry about. Take the time to evaluate your business insurance coverage to determine whether you’re adequately protected against loss, damage and litigation. While you may never need to make a claim, you’ll certainly rest easier knowing your business is fully protected and safe.

Do You Have a Student Going to College? Revisit Your Insurance Needs!

Blog-Do-You-Have-a-Students-Going-to--College--Revisit-Your-Insurance--Needs!If you have a student going to college (http://yeagerinsurance.net) this fall, then you may be feeling understandably nervous and maybe even a little emotional–especially if this will be your child’s first year. However, as the start of the fall semester approaches, now is also an important time to revisit your insurance needs and make sure your coverage aligns with your changing life.

Auto Insurance

At many colleges across the country (and particularly at larger universities), personal vehicles aren’t allowed on campus–especially for freshmen. If your child has his or her own vehicle but won’t be taking it to college, why should you be stuck paying for the insurance while your student is away? You may want to consider contacting your auto insurance agent to see if you can catch a break on your policy premium; many insurance companies have discounts available, especially if your child is at a college more than 100 miles away and will not have the vehicle with them on campus.

Renter’s  Insurance

If  your child will be moving into a dorm or other shared housing, now is also a good time to consider purchasing renter’s insurance for his or her belongings. In the event of a covered loss, your student’s personal property can be replaced under a policy separate from your homeowner’s.  This usually means a lower deductible and any losses do not go against your homeowner’s policy. Renter’s Insurance usually costs around $10 per month, which most parents would agree is worth the added peace of mind.

As you can see, there’s a lot to think about before your child packs up and leaves for college. By  keeping these insurance tips in mind, you can make sure you’re covered and that you’re maximizing your  savings in the  process.