Insuring_your_life

Life is the most precious gift, and we love insuring yours! AC Marmo & Sons, Inc. values every single one of our loyal clients, and this month, we are sending you love and gratitude for welcoming us into your families and homes. It is our pleasure and honor to provide you with protection and assurance in these times of uncertainty. Some of the most impactful services we proudly provide are:

Auto Insurance
Homeowners Insurance
Flood Insurance
Commercial Auto Insurance
Workers Compensation Insurance

love_insuring_lifeyou have questions, we would love to answer them! If you have concerns, we would love to address them! We love insuring you – and all the things that come along with it! Get to know us better at AC Marmo & Sons, Inc., and let us give you the support and protection you so very much deserve!

https://www.acmarmo.com/ Fairfield Office (973) 340-9100 Lavallette Office (732) 793-7530 Fairfield Location: 350 Passaic Avenue PO Box 11115 Fairfield, NJ 07004 Lavallette Location:1605 Grand Central Avenue, Suite #3 Lavallette, New Jersey 08735

Ahh – The beach! We love the water, the sand, the sun and the family time to unwind and have FUN!
Staying safe at the beach is very important. Weather and water conditions can change rapidly. In the blink of an eye someone could be caught in a rip-current.
Be sure to:
● Follow all beach rules and regulations.
● Swim only in areas where there are life guards.
● Avoid drinking or the overconsumption of alcohol, especially if you’re swimming or boating.
● Keep an eye on your children at all times.
● Safely secure all umbrellas in place to prevent injury to yourself or others.

At the beach, it’s important to find and follow posted signs and flags. This is for your safety. And as your insurance agent, we strongly encourage you to do so!
There may be lifeguards or other beach patrol officers on duty. They may make announcements over a loudspeaker, or you can ask them about beach conditions.
Follow their guidance and instructions. This applies to when you’re on the sand or in the water. They are there to help keep your family safe and ensure everyone has a good time.
You can typically find beach rules posted at the entrance or near the lifeguard stand or tower. The following are rules that you may see posted:
● Look for flags set up on the beach
● Know where lifeguard stations are
● Look for signs and postings near the entrance or lifeguard tower
● Talk with lifeguards for tips and information about the beach and water conditions

Everyone in your party should be a strong swimmer. They should also have experience swimming in the ocean or other large body of water before entering the water.
Beach safety swimming courses may be available at your local Red Cross chapter or YMCA.
When you enter the water, always go in feet first. Avoid diving. Don’t dive off of cliffs, bridges, or other high surfaces.
Swimming in the ocean or a large body of water is different than swimming in a pool or most small lakes. You’ll need to watch out for:
● tides and undercurrents
● unexpected changes
● water depths at drop-offs
● rocks, debris, and other hazards and obstacles
● whether there’s local marine life that can sting or bite
● boats, ships, and other watercraft that may be in the water at the same time
● bad weather in the area, such as lightning or thunderstorms
● tsunami warnings

Please watch these Beach Safety Tips from the American Red Cross!

Whether you live close or far from the beach, swimming in the ocean is almost certainly part of most families’ summer plans. While some prefer to stay in the sand, many of those visiting the beach plan on going for a swim in the salty waves. The ocean can be a great time filled with laughter and fun if you follow the proper safety guidelines. Engaging in unsafe or reckless behavior could put you or a family member in a potentially disastrous situation.
If you decide to purchase a home at the beach, we can insure it. If you decide to take a trip to the beach, we can insure your trip. Have a great, fun, summer!
Source: https://www.healthline.com/health-news/going-to-beach-pool-what-to-know-covid19-risk and https://www.guard.com/blog/2019/07/17/beach-safety/

Out_of_Service_Cell_Phone_featured

Knowing how to change a tire is a necessary skill for all drivers. You might be thinking, “I pay for a AAA membership so that I get roadside assistance and don’t have to worry,” or “I have a cell phone, I can just call someone to help.” Even if this is the case for most situations, there are still plenty of situations where these reasons don’t cover you. At A.C. Marmo & Sons, your friends, and your family’s safety on the road is very important to us.

WHY SHOULD YOU KNOW HOW TO FIX A FLAT TIRE? 

  1. Cell phones don’t always have service

In this day and age, we depend heavily on our cell phones, but cell service doesn’t always cover what it says it will. Landscape, weather, the locations of antennas and the cell network capacity all play a factor in you getting your service when you need it.

  1. You might get a flat in a dangerous place

Even more serious would be finding yourself in a remote, secluded area with a flat tire. People can be dangerous, so we recommend getting help from a source you trust, if possible, like your roadside assistance. But sometimes roadside assistance cannot reach you within a reasonable amount of time. If you’re out on the road, it may take several hours to get help. In the meantime, you are putting yourself at risk by staying in this spot.

Other danger factors include weather conditions and where you had to park your vehicle (like a spot that slows down or blocks traffic). This isn’t to mention if you are in a rush: say you are on the way to an important meeting or need to catch a flight – knowing how to change the tire yourself can get you back on the road quickly.

  1. You might save money

Aside from saving time, you might save yourself some money. If you don’t have roadside assistance or a friend who can help, your only other option may be to call a towing company to take it to a nearby repair shop. Needless to say, this is much more time and money than simply doing the job yourself.

Thankfully, changing a tire isn’t all that hard! Just adhere to the following guidelines to be prepared in case you have a flat.

ITEMS YOU’LL NEED TO FIX A FLAT TIRE

These items should have come with your vehicle: jack, lug wrench, fully inflated spare tire, and a vehicle owner’s manual.

If you have misplaced any of these items, or if your car did not come with these items, you should purchase new ones right away. And be sure you’re regularly inflating the spare tire to your vehicle manufacturer’s recommended PSI. You should check the spare’s air pressure every time you check your other tires. Remember to check pressure every month and before long trips or carrying extra load.

Here are some items that don’t come with your vehicle but that you should stow in your trunk or glove box in case you have to change a flat tire: flashlight with working batteries, rain poncho, small cut of 2″x6” wood to secure the jack, gloves, and wheel wedges.

HOW TO CHANGE A TIRE

 

The long and short of this process can be found in the list below. For a full video on step-by-step directions, visit Bridgestone Tires.

 

  1. FIND A SAFE LOCATION
  2. TURN ON YOUR HAZARD LIGHTS
  3. APPLY THE PARKING BRAKE
  4. APPLY WHEEL WEDGES
  5. Car-Jack-scaledREMOVE THE HUBCAP OR WHEEL COVER
  6. LOOSEN THE LUG NUTS
  7. PLACE THE JACK UNDER THE VEHICLE
  8. RAISE THE VEHICLE WITH THE JACK
  9. UNSCREW THE LUG NUTS
  10. REMOVE THE FLAT TIRE
  11. MOUNT THE SPARE TIRE ON THE LUG BOLTS
  12. TIGHTEN THE LUG NUTS BY HAND
  13. LOWER THE VEHICLE AND TIGHTEN THE LUG NUTS AGAIN
  14. LOWER THE VEHICLE COMPLETELY
  15. REPLACE THE HUBCAPTire_pressure_Check
  16. STOW ALL EQUIPMENT
  17. CHECK THE PRESSURE IN THE SPARE TIRE
  18. TAKE YOUR FLAT TIRE TO A TECHNICIAN

 

 

 

At A.C. Marmo & Sons, your road safety is very important to us. Call us at Fairfield Office (973) 340-9100 Lavallette Office (732) 793-7530 or visit our website at https://www.acmarmo.com/auto-insurance/  to discuss your auto insurance needs. We can provide coverage from many insurance carriers so you receive the insurance for your budget and needs!

Source: https://www.bridgestonetire.com/tread-and-trend/drivers-ed/how-to-change-a-flat-tire#

Here are some recent raves from our customers:

“Been with Bob and crew for 22 years. Always professional and a pleasure to deal with. Recommend them HIGHLY!” -Bill B.

“Contacted Ray Viola to help me get better insurance for my home and car. He took the time to explain what everything meant and provide me with better insurance for better coverage at almost the same price.” -Catty

“Bob Marmo has provided outstanding service to our family business since we relocated in New Jersey in 1990. We take great comfort knowing Bob always has our company’s best interests in mind.”-Tim Mac

“All of the people at AC Marmo & Sons are very knowledgeable, make the very best effort to find the cheapest and best insurance to cover all of one’s needs, and go beyond and outside the box.” -Theresa Z.

Experience speaks for itself…and you!