Teen drivingWe’ve all heard the saying “it takes two” and when it comes to teaching your teen good driving habits, it couldn’t be truer.  Take yourself back a bit if you will and try to remember the first time your parents handed you the car keys. The excitement was nearly uncontainable and the freedom you felt was like nothing you had ever experienced up until that point in your teenage life.  National Teen Driver Safety Week starts October 20th and carries on through the 26th.  This year, the NTDSW theme is “It Takes Two: Shared Expectations for Teens and Parents for Driving.”  Hold on tight with these tips to help you and your teen overcome the (sometimes stressful) training that it takes to become a great driver!

For Parents

Set the bar high. Lead by example by following the rules of the road. Don’t talk or text on your cell phone and always wear your seatbelt.

Practice makes perfect.  Well…maybe that’s a stretch, but the more practice your teen has at driving, the more likely they are to make good judgments and begin developing habits that will keep them safe behind the wheel. Start by driving during the daytime and slowly graduate into driving at night.  Keep track of your training hours by downloading a driving log at http://www.teendriversource.org/index.php/tools/for_parents/detail/42 or by using a phone app like www.timetodriveapp.com.

Reward responsible behavior.  Reinforce responsible behavior by rewarding your teen with greater privileges that will allow them to become more independent.

Set boundaries and expectations.  Communicate with your teen and be clear on what you expect from them.  Be firm, but also provide an explanation in regards to the do’s and don’ts of driving and help them better understand that it’s not about control, but safety.

Be reliable. Showing your teen that you are available for their support anytime and anyplace is essential.  Peer pressure can take on many shapes and forms.  Make certain that your teen knows they can count on you by creating a code word they can use if they are in an unsafe situation.  If they call or text you, pick them up immediately, no questions asked.

For Teens

Know the facts.  You’re young, but you are NOT invincible.  Teenagers (16-19) are three times more likely to be involved in a fatal accident than all other age groups. In fact, motor vehicle crashes are the leading cause of death for U.S. teens.  Educate yourself and know what situations (not all are obvious) can put you at risk.

Be involved. Groups like Students Against Destructive Driving (SADD) and Project Ignition provide education and tools that promote good decision making skills when it comes to driving.  Let your voice be heard and make a difference in your community!

Listen well and don’t resist. Although it seems as though parents just don’t understand, they do.  Believe it or not, your parent was 16 once and behind the wheel for the first time too.  Sure times have changed, but not too much is different in respect to being a teenage driver.  Listen to your parents and be attentive to the direction they are giving you.  They aren’t telling you what or how to do something to be mean or controlling.  They want you to make the right choices so that you come home safe and sound.

Don’t be afraid to call your parents.  You may think that your parents will be angry with you if you call them in the middle of the night asking for a ride home.  Trust me, your parents want you to be safe and if it means coming to pick you up, no matter what the situation or what time it is, don’t be afraid to make that call.  It may save a life, even your own!

Whether you are the parent or the teen, it takes two to make safe driving a success. Be smart, be responsible, and above all be calm when you get behind the wheel!

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AccidentsMost of us know that each individual state requires that you carry auto liability insurance. In the state of Arizona, you are required to carry at the least 15/30/10. To break it down, what this means is that you have up to $15k (per person) and $30k maximum (per accident) for BI (bodily injury) should you cause injury to someone during an accident for which you are at fault. The $10k is the maximum coverage for PD (property damage) that was caused by you. Although your premiums for this type of coverage are very cheap and may be within your tight budget, there are several things to consider before making a quick, impulsive decision that might end up haunting you for the rest of your life.

The average cost of a vehicle these days is a little over $30k. Sure, you wouldn’t be responsible for the cost of a brand new vehicle if you caused an accident because we all know that the value of a car depreciates immediately after you drive it off of the lot. In fact, the average cost of an accident in which there is ONLY property damage was $9078 in 2011, according the AZ Motor Vehicle Department. You have $10k in coverage, no big deal, it’s just under your limit right? Keep in mind that this is an average figure only! This doesn’t guarantee that any damages caused by you won’t be over $10k. You should also consider that property damage is not just limited to someone else’s vehicle. You can damage a number of things…a lamp post, a yard, or even a house. PD coverage also pays for your legal defense costs if you are sued as a result of these damages and you don’t need to be an expert to guess how much that could run you.

Now it’s time to get serious and address bodily injury. If you have the required state liability limits in the state of Arizona, then you are covered up to $15k (per person) which maxes out at $30k (per accident). We all know that accidents happen and according to the AZ Motor Vehicle Department, the average cost per incident in 2011 in regards to BI was $22,746 and this was just for Non-incapacitating injuries. The average cost per incident for incapacitating injuries jumps to $70,854 and the average cost per incident for accidents that involved fatalities was $1,438,200. I don’t think anyone is in disagreement that 15/30 is definitely not enough BI coverage for anyone.

What can you expect if your insurance coverage comes up short? It’s simple really. If the amount of BI and/or PD exceeds the limits of your coverage, you are at risk of being sued. Depending on the amount in which you are sued for, you can potentially have your wages garnished for the rest of your life. Think for a moment of the victims as well. Not only have you disrupted your own life financially, mentally, and possibly physically, you have also disrupted someone else’s life in the same manner. Think of it in terms of your family and if the tables were turned. It’s not something we are necessarily comfortable thinking about, but what would the implications be if someone caused an accident involving you or your family members and they did not have the coverage to make you whole again? It’s a disturbing scenario.

We choose not to write state limits for any of our clients. It’s something that we feel strongly about and believe it is in the best interest of our clientele to carry liability limits of at least 100/300/100. If you currently have state liability limits, ask yourself “How much am I really saving in the long run?” There is no better time than now to get with your agent or insurance carrier to discuss increasing your auto insurance limits. Be safe, but most importantly, be protected! Call our office for a free quote today at 480-288-5900!

These days you can buy nearly anything online, even your insurance.  Although it may seem like you are saving time and money by obtaining a policy online, it may not be so convenient later.

One of the biggest advantages of working with an agent is that they have time to sit down and talk with you, in turn allowing you to establish a one on one relationship.  Just one visit with an agent can prove to be beneficial in respect to knowing what your options are and choosing the best possible coverage that fits your needs.  In addition to this, based on your answers to a few simple questions, an agent is able to find possible discounts that you may be qualified to receive.  Purchasing insurance can sometimes be stressful and an agent can alleviate some of that stress, if not most of it just by understanding and being able to relate to you.  After all, we are human and it’s comforting to know that someone has your best interest at heart.

Ben Franklin said it best, “Time is money”. Although an online agency provides you with a phone number where they can be reached, you may not be able to speak with a live person. I’m sure that we have all experienced the downfalls of 800 numbers and the “customer service” they provide.  One could spend 30 minutes or more being looped from one automated message to the next only to reach a live person who ends up transferring you somewhere else. Being able to reach your agent by phone without having to guess which automated option to choose can save you both time and aggravation.

One final advantage to working with an agent who is local is that they can work with you in regards to your coverage.  They can adjust your limits and/or deductibles without sacrificing the important coverage that you need resulting in a policy that is tailored just for you and your pocketbook.   Online agencies give you the freedom to choose the coverage you want according to what you can afford, but an agent can recommend coverage that will protect you and your family all while keeping you within your budget.

For example, the required liability coverage amounts in the state of Arizona are 15/30/10.  Sure, you may get a huge savings up front, but will you pay for it in the end?  If you cause an accident which results in bodily injury more than $15,000 or property damage more than $10,000, you are financially responsible.  Just to give you an idea, according to the National Safety Council, the average cost of injury in a car accident is $61,600 and the average price of a new vehicle is a tad over $30,000 according to Forbes.  Saving a couple of dollars by reducing coverage could cost you thousands in the long run.

With all of the decisions that you make in life, don’t let choosing the right policy overwhelm you when you have an agent right who is right around the corner.  Make an appointment today by calling us @ 480-288-5900.  We can help you protect what matters most!

Most auto policies have exemptions for accidents caused from road rage (image via flickr)

These days it seems like everyone is in a hurry to get everywhere they need to go.  By the way many of us drive, you might think we have someone in the car that is hurt and in dire need of an emergency room because we act as if mere seconds may make the difference between life and death.  Sadly, most of those times, we are just going where we need to go.  This kind of aggressive, me-first, take no prisoners style of driving often leads to road rage, which the NHTSA estimates is a contributing factor in a third of all car accidents and two-thirds of car accidents that result in a fatality.

Whether it is our busy lives, increased traffic, or just the fact that we are used to driving this way, everyone on the road needs to do their part to stop aggressive driving and eliminate road rage.  Not only is this type of driving dangerous and illegal, many auto insurance policies contain exemptions for accidents caused by road rage.  This means that if you are the one raging and you cause an accident, you are on your own; the insurance company won’t cover the damage.  Don’t let your temper get the best of you by following these tips for keeping your anger from affecting how you drive.

1.     Leave Plenty of Time

One of the most common causes of aggressive driving is being late.  When we are trying to get somewhere and the clock is ticking and there isn’t enough time to make the trip, we get stressed and try to make up the time by passing and speeding.  Don’t put yourself in this position, leave early, make sure you have plenty of time, and if you are late, remember that no matter how important it is that you get there on time, it is not more important that your life or the life of someone else.

2.     Give Them the Benefit of the Doubt

Another contributing factor to aggressive driving and road rage is when we develop an Us vs. Them attitude towards the other drivers on the road.  If they are in front of us and going slower than we want to go, we think they are doing it on purpose.  If they merge poorly, and cut us off, they did it on purpose.  If they are driving too close to us, they are tailgating us.  While sometimes these things are true, sometimes they aren’t.  Sometimes other drivers are just not paying enough attention to how their actions are affecting the cars around them.  Give them the benefit of the doubt and assume that they are clueless rather than deciding that they are your enemy.

3.     Pay Attention to How You are Driving

Take a few minutes to think about how you drive.  Are you the driver that drives just under the speed limit on every road?  Do you find that other drivers seem to become aggressive towards you on a regular basis?  Even if you aren’t the one who is getting mad, you might be contributing to the problem.  Pay attention to how you are driving and make sure you aren’t the one everyone else has to give the benefit of the doubt.

Aggressive driving and road rage is everyone’s problem.  Pay attention, drive courteously, and remember that everyone on the road is just trying to get where they are going in the shortest amount of time.  Winning the battle against road rage starts with you.

 

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Are you liable if your tree falls on your neighbor’s car? (image via flickr)

Everyone knows that if you rear-end the car in front of you or start a fist fight in a bar, you are liable for the damage your actions cause.  Liability in these cases is pretty clear cut because your direct action was the cause of another’s injury.  But there are many circumstances where fault is not necessarily the determining factor in liability and where there is no direct link between your actions and the resulting injury.  In order to adequately protect yourself from damage and injury claims you need to have insurance policies that offer the coverage you need.  The key to being protected is to understand both the obvious risks you face and those that are not so obvious.  To help you identify where you may have some hidden risks, here are some common questions about who is liable for indirect injury.

Am I Liable…..If My Child Causes a Car Accident in My Car?

While there are state specific laws that govern liability and insurance, in this case the answer is most likely yes.  If your son or daughter is driving a car that lists you as the registered owner, it is very likely that you could be sued for damages if your child causes an accident.  In order to protect yourself, you need to have a solid insurance policy that lists your child as a driver on any car they may drive.  You may also need an umbrella policy which can protect your assets in the event you are sued.  Check with your insurance agent if you are concerned that allowing your child to drive your car opens you to a liability risk you are not protected against.

Am I Liable……If My Dog Bites Someone on My Property?

This is another case where state law dictates certain rules about liability, but it is a good bet that if your dog bites someone, regardless of where you are at the time, you may be found liable for any injury.   Here in Arizona, unlike other states, there is no “one-free-bite” law which means that pet owners can be held liable for a dog bite even if there was no reasonable expectation that the dog might bite someone.  This means the first bite could land you with a lawsuit.  The law doesn’t only apply to humans either; it also applies to if your dog bites another animal.  If you are unclear about your rights as a property owner, ask your local police department.  If you are concerned about potential liability from a dog bite, talk through your concerns with your insurance agent to ensure you have the coverage you need to protect yourself and your assets as some policies include exclusions regarding animals.

Am I Liable…..If My Tree Falls on My Neighbor’s Car?

Like the other scenarios, this one is not as cut and dry as it may seem. In most cases like this, in order to prove negligence on your part, which is what would be required in order for you to be liable for the damage, your neighbor would have to prove you had a reasonable expectation that the tree might fall and damage his property.  If there is no reason that you would believe that the tree posed a real danger to your neighbor, it is unlikely you will be found liable for the damage.  It is still a good idea to talk to your insurance agent to determine if you would be protected from this type of liability claim.  They can also offer advice on steps you can take to decrease your liability risk.

 

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Are you adequately insured? (image via wikipedia)

Most of the time when people talk about specialty insurance, they are talking about insurance coverage that provides companies with specialized protection based on their industry or on specific risks they are face.  However, there is also a side of specialty insurance that is all about covering personal interests.  Many people believe that their auto, renter, or homeowner’s policy provides coverage for these specialty risks and depending on the policy, it might.  But in many cases these specialty items actually indicate a gap in coverage that leaves them open to liability claims and property loss.  To help you understand if you have any of these specialty risks, here is information on some of the most common types of specialty personal coverage.

Boat/Watercraft Insurance

If you own a boat, you may have some coverage under your existing homeowner’s or renter’s policy.  Many companies will provide limited coverage for small boats like canoes as part of their base homeowner’s protection but it would be a mistake to assume any and all watercraft related risks are covered this way.  Even if minimal property coverage is included in your homeowner’s policy, it is unlikely that liability protection will be included.  Additionally, if you have a boat with an engine that can go more than 25 mile per hour, you may need to obtain additional coverage.

Flood Insurance

While most homeowner’s know that damage caused by floods is not covered by their homeowner’s insurance policy, there are still many homes that remain unprotected against this specialized risk.  Additionally, flood damage is also excluded from most renters insurance policies which means that even renters need to secure this specialty protection, especially if they are in a flood zone.

Earthquake Insurance

Damage from earthquakes and other natural disasters is generally excluded from personal insurance coverage which means it must be purchased separately in order for you to be protected.  Most earthquake policies or riders carry a much larger deductible than other personal policies.  If you live in an area where earthquakes happen often, having this insurance is critical to protecting your financial future.  But remember, earthquakes can happen almost everywhere and in areas with low risk, the cost of adding this coverage is often minimal.

Motorcycle Insurance

Riding a motorcycle, just like driving a car, carries certain risks and responsibilities and most states require drivers to carry a certain amount of insurance.  However, your motorcycle is not always automatically covered under your existing auto policy.   A motorcycle insurance policy protects you from property loss or damage if something happens to your bike and with liability coverage in the event you are responsible for causing damage to something or someone else.   In addition to this base coverage, you may also need to add coverage for accessories or specialized equipment.

Recreational Vehicle Insurance

Like other types of specialty coverage, recreational vehicle insurance provides additional protection from risks specific to your RV.   This type of insurance goes beyond what is covered by auto policies, property damage and liability coverage, and often offers additional protection from breakdowns and travel related risks.

If you are concerned that you have a specialty risk that may not be covered by your existing policies, talk to your insurance agent.  They can walk through the details of your policies and help you determine if you need additional coverage and which type you need.

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