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LifeHappens shares the story of how a successful business owner included life insurance as part of his long-term planning. When there was an unexpected downturn, that life insurance policy saved the business and all those whose livelihoods depended on it.
Motorcycle riders or passengers are injured or killed on average every six minutes in the United States every day, according to the National Safety Council (NSC). Even though motorcycles account for 0.6% of all vehicle miles in the U.S., they make up 14% of all traffic fatalities. As a Commercial Auto insurance provider, Philadelphia Insurance Companies (PHLY) has safety tips and resources to help drivers and riders share the road safely!
Two main risks
More than half of motorcycle accidents occur because a car or truck driver simply did not see the motorcyclist, according to the National Highway Traffic Safety Administration (NHTSA). This can be due to a motorcyclist driving in a larger vehicle’s blind spot. Also, motorists often look for other cars and trucks but fail to notice motorcycles due to their size and nimble driving patterns.
The second leading cause of accidents with motorcycles involves left hand turns. More than 40% of all collisions between motorcycles and other vehicles occur at intersections when the car/truck driver makes a left turn in front of a motorcycle (NHTSA). Failure to see the motorcycle or failure to accurately judge the speed of the motorcycle are the two main causes of this type of crash.
Safety strategies
Know the laws before you launch. It’s a simple mantra that all boaters should take seriously.
“It is the responsibility of all boaters to know the rules of the water,” said Brad Seeley, senior marine product manager for Foremost Insurance Company. “One of the best ways to learn is to take a boater’s safety course. Instruction can help save lives.” According to the 2015 United States Coast Guard data, 90% of boating deaths occurred in accidents with operators that hadn’t taken a safety course.
After what felt like an endless winter, everything is slowly starting to thaw out and melt. Spring is one of my favorite times of the year, and as a new homeowner, I am starting to observe new things on my home that I need to inspect, and projects I want to tackle this summer. I purchased my home in the dead of winter with snow piled up on the exterior, so I couldn’t fully see everything as much as I would have liked. Now that I have a clear view, it’s time to start my spring maintenance checklist and inspect for any damage sustained during winter.
Riding a motorcycle, whether you’re a new or seasoned rider, can be challenging and comes with a lot of responsibility. Although you’re not in a vehicle, the rules of the road still apply to you just like every other driver on the road. We put together some helpful tips that will make you feel more prepared before you ride, and while you’re out on the open road!
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With these big items comes the question of whether or not you should insure them. To mitigate the financial impact of loss or theft you will want to insure these valuable items as quickly as possible. This takes a bit of thought on how to do so, so let’s take a look at some of the more important matters involved. The question of existing insurance The shortage of coverage can translate to massive losses in the event of a fire, major burglary or other threat, especially if you are storing a lot of highly valuable items. Elements of coverage As for cost, Investopedia states that a piece of jewelry valued at about $6,000 will translate to an average of about $80 to insure annually, with policyholders paying between $1 and $2 for each $100 of value the covered item has. Speak to your independent agent about the other considerations involved in insuring your valuable jewelry and new big-ticket items following the holidays. Covering all post-holiday valuables According to the Times, insuring each valuable individually within the schedule will certainly be more labor intensive, as it demands appraisals and other activities that umbrella-style coverage would not. However, it is worth the effort when various expensive and precious items are in your possession. |
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With the rise of mobile device usage, distracted driving is a significant problem. Here’s a look at some alarming statistics:
Texting while driving is as serious as driving while intoxicated. Don’t text while you drive. Tell your teenagers not to text while they drive. Tell your friends not to text while they drive. As the National Highway Traffic Safety Administration’s campaign says: “Stop The Texts. Stop The Wrecks.” Use our resources in the articles and links below for more information and tips on how to protect your family and your business. |