Here are some fall road tips to avoid an accident:

  1. Wildlife is most active at dusk and dawn, according to the Colorado Parks Department, and the limited light during these times makes it more difficult for drivers to see animals in the road. Plan drives during daylight hours to reduce the risk of animal collision.
  2. Busy school zones and streets popular with trick-or-treaters make it even more important to remain vigilant while driving. When possible, avoid driving through these areas or consider walking or biking to school or other fall activities.
  3. Use the middle lane if you’re on a multilane road when possible. This will give you more time to spot an animal that is trying to cross ahead of you.
  4.  Portions of your route to work could convert to school zones during certain hours of the day. Obey all posted speed limits, watch for children in the street and pay extra attention around school buses. It’s illegal in all 50 states to pass a bus that is loading or unloading children on an undivided roadway.

If you hit an animal, pull over and call local law enforcement. They can direct you to your next step. In some states, there are special requirements regarding animal collisions. Once home, check with your department of motor vehicles to make sure you’ve covered all your bases

Source: Farmers 

During the month of September, consider adding life insurance to your insurance portfolio.  There are key life stages of events that trigger the need for life insurance:

  • Married or Getting Married
  • Parent or About to Become a Parent
  • A Homeowner
  • Changing Jobs
  • Retired or Planning for Retirement
  • Single providing financial support for aging parents or siblings

 Download this brochure from the Life Happens Organization to find out more about life insurance.

Have a wonderful and safe Labor Day weekend!  To celebrate with our families, our office will be closed on Monday, September 5th.

Your children are off to college and before he or she leaves, give us a call at the agency to make sure they are properly insured.

Change Your Auto Policy - if your child is more than 100 miles from home, and they are not taking a car to school, you might have a decrease in your premiums by as much as 30%.  If they are taking the family car, let's make sure you are covered. 

Covering Belongs - depending on your homeowners' policy, if your child is in a dorm, the room can be an extension of your home, so all items may be covered.  If your child lives off campus, their possessions may not be covered and you might need to obtain renter's insurance. 

Health Coverage - let's make sure that your health insurance covers your child.  There are many universities that health plans for their students.  It might be better to obtain an individual policy for him or her.  Let's discuss their needs.

As children are going back to school, please be careful as you drive in the early mornings and afternoons as school buses are out and about. Let our children have a safe and happy school year.

With the temperatures soaring, heat can lead to heat stroke and even death. OSHA recommends:

To prevent heat-related illness and fatalities on the job:

  • Drink water every 15 minutes, even if you are not thirsty.
  • Rest in the shade to cool down.
  • Wear a hat and light-colored clothing.
  • Learn the signs of heat illness and what to do in an emergency.
  • Keep an eye on fellow workers.
  • "Easy does it" on your first days of work in the heat. You need to get used to it.

Starting with Memorial Day and for the next 100 days, ten people die every day during the summer involving a teen driver.

You might be surprised to learn that the number one distraction for teen is talking or attending to other passengers followed by talking or texting or operating a cellphone; and looking at something or someone in the vehicle is number three.

Over the past five years during the summer 100 Deadliest Days:  An average of 1,022 people died each year in crashes involving teen drivers. The average number of deaths from crashes involving teen drivers ages 16-19 increased by 16% per day compared to other days of the year.

How to prepare your teen, here are some resources:  TeenDriving.AAA.com.  A few tips:

  • Don't ride with teen drivers or transport other teens while a new driver. One of the most dangerous sources of distraction for teen drivers, whether due to horseplay, loud music, rowdy behavior or peer pressure, is teen passengers. 
  • Minimize various potential distractions, such as eating, drinking, chatting with a passenger, reading a map, personal grooming, reaching for things in the car or looking at people or objects unrelated to the driving task.
  • Don't allow a cell phone to be used in the vehicle by you or your teen.  

As we start to prepare our children leaving for college, there are a number of changes that you should consider regarding your existing insurance coverage. To help you answer some of the most frequently asked questions regarding insurance for your college student, we have prepared two flyers for your review.

Give us a call if you would like to discuss your coverages and what changes to consider.

Warm weather has us itching to get outdoors.   And opening a homeowner's swimming pool is high on the Honey Do List.

But, before you say "Everyone In the Pool", here are some tips to keep you, your family, and your visitors safe and protected.

  • Check your pool supplies - especially the expiration dates on the water treatment chemicals.
  • Carefully remove the pool cover by pumping excess standing water on the top, clean it thoroughly and allow to dry.
  • Inspect walls and liners for punctures or tears, scrub and clean wall. Check the deck area around the pool to fix any tripping hazards.
  • Replace plugs, and reinstall pumps, filters, or other items and fittings that were removed at the end of the previous season.
  • Check the sure drain covers are in place and properly installed.  Make sure the covers protect children, in particular, to prevent body parts or hair from becoming trapped in the drain due to suction.
  • Analyze the water quality and add treatment chemicals as needed to adjust the chlorine, pH and alkalinity to desired levels.  Make sure to read the manufacturer's usage instructions.
  • Run pump continuously at the beginning of the season until the pool water is clear and balanced.
  • Reinstall and tightly secure any ladders, railings, diving boards or slides.
  • If you haven't installed a fence around the pool, do so with a latched/locked gate.

If you have just installed a new pool, please call us and we will provide you with a quote to make sure that you are covered for liability and property damage.

And have a great Spring and Summer!

Source:  NSF Consumer Information

Hurricane season is upon us and it is never too late to get prepared.  One of the items we encourage you to have is a go-bag.  You don't know when you might need to evacuate your home and you don't want to run around at the last minute trying to compile what you need.  Ready.gov has an Emergency Supply List to help you compile your items.  Click here to obtain a copy.  Also you can go to https://www.ready.gov/kit for additional emergency supplies.  

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