Winter will soon be upon us. With it comes cold weather, frost, snow, and ice, and the driving hazards they present. Here are some driving safety tips to help keep you safe on the road.
- Take your car to an inspection. Before the winter, you want to make sure that there is nothing faulty with your vehicle. Take it to an auto repair facility to make sure that the brakes, belts, tires, battery, exhaust system, wipers, and everything else are in perfect working condition.
- Keep a winter survival kit in your car. This should include things such as a snow shovel, an ice scraper, salt, warm gear and gloves, some basic medical supplies, and some food and water.
- Watch the weather forecasts. Whenever planning a long-term drive, make sure to keep up with the weather updates, either via the radio, a smartphone app, or via the internet. Make sure that the weather will be conducive for driving.
- Wipe the snow off your car’s mirrors, windshield, lights, hood, front, trunk, and reflectors before you drive.
- Don’t use cruise control in snowy or icy conditions — you want to be in full control of your vehicle.
- Keep your gas tank at least half-full — this way, if you get stranded, you will have a source of heat.
- Always drive with your cell phone, and make sure that it is sufficiently charged. Keep your local AAA’s number in the contacts.
By using these tips and precautions, you will be safer and happier on the road during the winter.
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.
The 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 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.
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.
With millions of people taking part in the Pokemon Go phenomenon, and the game being especially popular among teenagers, it’s likely your own teens have already downloaded the game and started collecting Pokemon. Playing Pokemon Go can actually be great for teenagers since it encourages them to spend time outside, get exercise, and socialize in healthy ways. There are, however, a few safety tips to keep in mind:
Set Boundaries Regarding Where They Are Allowed to Play
If a teen isn’t allowed to wander into a sketchy part of town, go to the park at night, or enter an abandoned building during normal life, they shouldn’t be allowed to do any of these things while playing Pokemon Go either. Teens often respond best to clear, specific boundaries so it may be helpful to sit them down and discuss exactly where they are allowed to play and under what circumstances.
Encourage Them to Play with Friends
One of the best things about Pokemon Go is that it is a social game, with players joining local teams and working together. In addition to being more fun, playing with friends will keep your teens safer since they won’t be wandering around the neighborhood alone. Talk to your teen’s friends too, and remind them that if someone at a Pokemon stop seems suspicious or gives them a bad feeling, that they should come home instead of interacting further or following them anywhere.
Emphasize that Playing While Biking or Driving is NOT Allowed
Believe it or not, some Pokemon Go players have attempted to catch Pokemon while riding bikes or even driving cars. This is just asking for a dangerous, possibly life-threatening accident to happen. Emphasize that being distracted while riding a bike or driving a car is never okay, and that they are to keep their phones put away while biking or driving.
As you can see, it is possible to let your teens enjoy Pokemon Go without sacrificing their safety. For more helpful tips, be sure to keep checking our blog.
Back-to-school time is right around the corner, and we all know life gets more hectic at this time of the year. We trade in the lazy summer days for days packed with school, work, clubs, sports, and all kinds of craziness. We have to be in ten places at once and there never seem to be enough hours in the day. In all the insanity, it’s easy to lose our focus on the road. Check out a few driving safety tips to keep in mind when getting back into that school year schedule:
1. Keep your eyes open for pedestrians. During the school year, there is a significant increase in foot traffic. Pay close attention to pedestrians, especially young children–kids don’t always check both ways before crossing the street. Keep an eye out for crossing guards trying to stop traffic for pedestrians, and never stop in a crosswalk. If you are stopped in the crosswalk, this means children have to walk around your car and into traffic just to get by.
2. Share the road with buses. Although it can be irritating to be stuck behind a school bus when you are late for work, it is important to drive safely and follow rules when behind a bus. Never pass a school bus, especially when the bus is stopped to pick up or drop off children. When a school bus begins to flash yellow or red lights and extend the stop arm, traffic must stop. Stop at least 10 feet behind the school bus to allow children to enter and exit safely. Driving near a school bus requires extra attention, as children are unpredictable and may unwittingly put themselves in danger.
3. Watch out for bicyclists. In addition to increased foot traffic, many children ride bikes to school. Always leave 3 feet between you and a bicyclist when passing, and wait for approaching bicyclists to pass before turning or driving through an intersection. Children often forget to look or signal when turning on their bicycles, so you must be attentive when driving near bicyclists, especially in school zones and residential areas.
4. Follow school drop-off procedures. Every school has their own unique drop-off procedure, and these procedures were developed to keep students safe while maintaining a steady flow of traffic. Even if you are in a rush, it is imperative that you follow your school’s specific procedures. Don’t double park, don’t try to drive around the drop-off line, and don’t drive the wrong way in the parking lot. If school drop-off is often rushed and difficult for you, think about carpooling to cut down on the days you spend in the drop-off line.
5. Be aware of school zones. School zones have reduced speed limits in place for everyone’s safety. Become familiar with the school zones in your area and abide by the speed limits. As we have mentioned earlier, children are not always careful when crossing streets and may step out in front of traffic. If you are following the posted speed limits, you will have time to stop before any accident occurs.
We all understand how hectic life gets when the school year starts up after a long summer. No matter how late or frazzled you become, it is important to remain alert while driving and adhere to specific laws and rules relating to pedestrians, buses, bicycles, and school zones. Please feel free to contact us for more driving safety tips.
Accidents are preventable and prevention starts with you. Below are four farm equipment safety tips for your farm.
When you use a combine, it is a good idea to clean up any fuel you might have spilled before you turn on the engine. It is also important to use a pressure washer to wash away oil as well as any other debris from the combine because when grease stays on this type of machinery too long it can cause fires. After you finish using the machine, clean the combine to decrease the likelihood of leftover crops.
Check For Problems
Problems can pop up quickly, so you should check your combine, tractor, and other farm vehicles to ensure you do not need to fix anything. The parts that you need to check are the tires, suspension system, road signals, vehicle lights including headlights, hydraulic lift cylinders and reflectors on the outside of the vehicle.
Repair Any Problems
Checking your vehicle is the first part of preventing accidents but fixing those problems is the second part. Your suspension system, the connections for your trailer’s brakes, hydraulic lift cylinders and parking break need immediate repair. You also need to fix worn belts and bearings to prevent a fire.
When you are working on your truck or operating it, you need to stay alert to stay safe. When you drive your truck, make sure you keep a good distance from other vehicles. Trucks need more time to stop, move between lanes, and steer. You also need to take caution when you fill trucks because it can become dangerous if the truck’s load is too large. The load needs to comply with the weight requirement for the Gross Vehicle Weight, which drivers can find inside the door of the driver’s side.
The ground should be level or the truck may tip. Other ways you can avoid tipping is to not dump when it is windy, make sure the load is not off balance, and if you use a trailer, do not jack knife it.
In addition to these tips, you should stay away from power lines when you are driving a dump trailer or truck. When power lines come in contact with the vehicle, it can electrocute the driver.
Call or contact Yeager Insurance at 304-757-5964 for more information and to receive a free quote on Farm and Ranch Insurance. Providing Farm and Ranch Insurance to all of WV, including Hurricane, Winfield, Barboursville, Huntington, and Charleston, WV.
Have you heard of an umbrella policy?
You can gain extra peace of mind with an umbrella policy. What an umbrella policy does is provide you with extra liability protection.
This can be a very important insurance policy to have, because it will cover you for liability beyond the limits of any personal insurance policies you may have, such as auto and home.
It’s more common than you may think to be sued for car accidents and accidents that happen in your home and on your property. Many people are shocked to find they are being sued for a million dollars or more due to events that they may not even be directly responsible for.
Consider some situations that may lead to being sued beyond the limits of any insurance policies you may have:
- You’re at fault in a car accident. The legally mandated state minimum for auto insurance that you have is not enough in liability coverage to pay for extensive car repairs or replacement for the other driver, as well as the medical bills of any occupants.
- You make a right turn in your car, not even seeing the pedestrian that suffers severe and disabling injuries.
- Your next door neighbor’s child is playing ball in the yard next to yours. A chain link fence separates the two yards. The ball goes over your three to four foot fence. The child tries to retrieve it by coming in the entrance, but you have it locked. The child then decides to climb over your spiked fence to retrieve the ball and gets seriously injured. Among the injuries possible are falling while foot stuck in fence and breaking a bone, slicing an arm or leg open, and/or becoming impaled on the spikes.
- Your neighbor’s child or pet runs onto your unfenced property, unaware that you are trying to trap a nuisance animal and gets seriously injured.
- You have a fenced in yard and even a sign that says beware of dog, but a door-to-door frozen meat salesmen or a child selling cookies ignores it and gets mauled by your dog.
- You’re hosting an after dark party and your neighbor takes the shortcut to her home when it’s time to leave. The shortcut just happens to be on the dark side of your house through some privacy trees, and steps into a huge unexpected hole in your yard, breaking her leg.
- You didn’t have your icy sidewalk cleared and someone slips and falls.
Does your policy cover you for $800,000 if someone slips and falls on your sidewalk or $3,000,000 to cover the pedestrian?
In addition to providing liability coverage for when you’ve reached your home and auto limit, an umbrella policy can also protect you in other ways. For instance, if there is a fire in your home and your homeowners policy doesn’t cover the massive quantity of product marketing merchandise you have stored in your garage for your client, an umbrella policy may cover your liability.
Umbrella policies can also provide liability coverage for your boat and rental properties, as well as cover loss assessments.
Contact Yeager Insurance at 304-757-5964 to protect yourself financially from liability beyond what your home and auto coverage limits. Ask us about an umbrella policy today!
3786 Teays Valley Road Hurricane, WV 25526
Serving Hurricane, Winfield, Scott Depot, Teays Valley, Milton, St. Albans, Buffalo, Culloden and throughout the Charleston / Huntington West Virginia community.