Driving Tips (Safety): Creating An Emergency Car Kit

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As the seasonal crisp starts to cool the air, drivers begin planning overdue road trips to games and family events. While no one wants to think of something going wrong on the road side, the possibility always exists. Prepare before you leave by creating an Emergency Car Kit so that nothing catches you off guard while you are on the road.

Comfort Must Haves

Choose a small plastic tote to hold your kit items in. Something that is easily accessible but will not take up a lot of precious cargo space. The majority of your kit should include things to keep you and your passengers warm and safe during an unexpected event.

The items you want to include are a small first aid kit, extra blankets (make sure you have one for every person in the car), small snacks (nothing with chocolate so it doesn’t melt), and water for everyone. Thanks to modern technology your wait shouldn’t be long, but you want everyone to stay calm and comfortable.

Breakdown Kit Components

Along with the creature components, you should include some basic emergency repair items in your kit. They should include flares, a jack, a spare tire, a small tools kit, a flashlight, and a head lamp. If possible, a tarp would be good too.

Special Note for Motorcycle Riders

Motorcycles don’t have a lot of storage room, but riders can and should make a small kit. They can include a poncho, emergency blanket (check the camping section), flares, and small tools. Adjust your kit depending on your destination and the weather you will be traveling in. If the weather is severe you may want to look into other forms of transportation.

Enjoy your plans this season without worrying about what might happen. Relax and know that if the unexpected does happen, you are prepared.

 

11th Annual Trick-Or-Beat

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The Appalachian Power Park will serve as this year’s locale for the Charleston Trick-Or-Beat event. Hosted by 98.7 The Beat, the West Virginia Radio Corporation, and the West Virginia Power for its 11th year, Trick-Or-Beat will take place on Thursday October 27.

The purpose of the event is to provide a safe trick-or-treating environment for the youth of Charleston and to offer an opportunity for local business owners to network and take part in community outreach.

Children 12 years old and younger are encouraged to don their most creative costumes, collect candy and treats, and have some festive fun while ensuring their parents’ peace of mind. The evening will be split into two separate trick-or-treating sessions to accommodate busy family schedules. You can attend from 6-7pm or from 7:30-8:30pm. The best part is that admission is free! Tickets can be obtained at either the West Virginia Power or West Virginia Radio Corporation front office.

Local businesses are invited to donate candy or funds to contribute to the success of the event. There is also booth space available for companies who would like to set up displays and personally interact with the public. Appearing at this safety-exhibiting community event is a wonderful way to reach out to potential new customers and to retain an existing client-base.

Any questions regarding the Trick-Or-Beat should be referred to the West Virginia Power front office. Turn this yearly event into a memorable tradition by adding it to your family’s Halloween advent calendar and enjoy the secure fellowship of this West Virginian community.

Attention 21 Century Insurance Clients

Yeager Insurance welcomes any 21 Century Insurance clients to our agency.   21st Century is no longer writing insurance in the State of WV.  If you are currently insured by 21st Century, give us the opportunity to quote your insurance prior to the non-renewal of your policy.   At Yeager Insurance, we value your business and would like to help you through this process.

Give us a call at 304-757-3900 and ask for Jacque Cline.

General Liability Safety Tips for Homeowners

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Homeowners insurance addresses more than just providing protection in the event of a severe storm or damaging fire. It also gives protection to a homeowner when it comes to his or her general liability.

According to the Insurance Information Institute, “Liability covers you against lawsuits for bodily injury or property damage that you or family members cause to other people. It also pays for damage caused by your pets.”

Please continue reading to learn a few safety tips that will keep a person’s home better protected from a liability standpoint.

Slip, Trips, and Falls

Slips, trips, and falls can lead to minor scrapes and scratches, or sometimes even broken bones and concussions. These more serious types of injuries may call for a trip to the emergency room and also require repeated trips to see a doctor or medical specialist.

If a visitor trips on a porch step or falls from an outdoor deck while at someone else’s house, and gets injured, they could come back on the homeowner for medical reimbursement. Therefore, it is always important that a homeowner makes any elevated surfaces on a house as safe as possible. Hand rails should be provided for all interior and exterior steps, especially those with three or more risers. Outside porches and patios should have guard rails. Railings and steps should be made of strong material and checked often, with repairs and updates made as is necessary.

Large cracks in sidewalks, on a person’s property, should be filled and/or marked with brightly colored paint. Yards should be level and even, with holes filled and broken tree limbs or sticks removed so no one is at risk of tripping or falling.

Pets

A homeowner is often responsible if they own a pet and that animal bites or scratches another person resulting in the need to seek medical attention. There are many ways for a pet owner to be proactive in safeguarding their general liability for owning a dog, cat, or other type of pet.

Installing a fence around one’s yard in order to keep animals secured in a specific area is a good idea. A fence will provide a boundary for the animal and also establish a property line for neighbors passing by while out for a walk or bicycle ride.

Dogs should be kept on leashes whenever they are on a walk or visiting a park or playground. It is also smart to make sure pets are up to date on all of their vaccines and shots. A homeowner can greatly benefit from having their pets attend obedience classes.

According to an article published by the Insurance Journal, “Experts say that even normally docile dogs may bite when they are frightened or when defending their puppies, owners or food. The most dangerous dogs are those that suffer from poor training, irresponsible owners and breeding practices that foster viciousness.”

Potential Backyard Hazards

Swimming pools, trampolines, and play sets with slides and swings are a lot of fun however, they are also a safety risk. Young children should always be under constant supervision when playing in a pool or on a trampoline. It is also strongly urged that homeowners install fencing around pools and netting around trampolines, so as to give another layer of protection. Neighborhood kids should never be allowed on a homeowner’s play set unless the owner is also on-site and able to watch over everyone on their property.

While most homeowner’s insurance policies provide a standard amount for general liability coverage, adding an umbrella policy is another way that a person can stay protected in terms of their own general liability.

According to an article written by Michele Lerner and published by AOL.News, “Although 85 percent of umbrella insurance claims are related to car accidents, the policies offer protection against accidents that occur at your home, too — for example, in case someone falls down your stairs and sues you, or your balcony collapses during a party. Many people opt for an umbrella policy because they have a pool or a trampoline on their property and fear the consequences of a child getting injured.”

An umbrella policy is additional liability coverage that extends beyond the standard amount often issued with a homeowner’s policy. It can be beneficial to have if a person should ever have to face a lawsuit.

A homeowner can not protect against everything, but they can take steps to make their property as safe as possible for anyone visiting them at their home.

Safety Tips For You And Your Home

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Home Safety Tips

Your home is an important investment and nothing is more important than the people who live in it. Here are some home safety tips to help you keep your home and your loved ones safe.

According to USA.gov, every three hours, someone in the United States dies from a fire. Take every precaution you can to prevent this kind of tragedy. Install smoke detectors on every floor, especially in  bedrooms. Test the batteries at least once a month and replace the batteries at least twice each year. Also don’t forget to install carbon monoxide alarms in your home, and test and replace batteries according to manufacturer’s instructions. Keep fire extinguishers in the home and check them regularly. Make sure everyone in the home knows what to do if there is a fire.

Natural disasters, such as floods, earthquakes, or hurricanes, and even harsh winter weather can cause safety hazards in the home. It is important to monitor weather forecasts and updates during these times. Simply being prepared can keep these hazards at bay. Organize an emergency preparedness kit and a first-aid kit and keep them accessible. For information on what to do during a power outage, go to http://www.ready.gov/power-outage. Store rechargeable flashlights and battery-powered candles on each floor and make sure everyone knows where to find them. Have automatic water shut-off valves installed on your appliances.

The Consumer Product Safety Commission reminds us that each year, children are injured by hazards in and around the home. Most of these injuries are preventable by using child safety devices. Tour your home and take note of all potential hazards. Start by installing safety locks on all cabinets and drawers, if young children or vulnerable adults  live in your home. Fit your bathtub, shower and sink faucets with anti-scald valves. Put non-slip mats or decals in tubs and showers.

You may think that the locks on your doors are secure, but according to the National Crime Prevention Council, criminals use lock bumping to open cylinder locks and deadbolt locks by using a specially designed key called a bump key. Make sure you have secure locks on all doors and window guards on all windows. Store confidential records in a safe deposit bank or a home safe. Install motion-sensing floodlights outside of your home. You may wish to consider investing in an up-to-date security system.