Millions of Americans will be traveling this holiday season, and if it’s anything like previous years, a lot of that travel will be on the road. Last year, AAA estimated that more than 100 million Americans were planning a trip of more than 50 miles during the holidays and that was just between Dec. 23 and Jan. 1.

Of course, winter weather creates a unique set of challenges on local roadways, too. So even if you’re not headed out of town, these safety tips can help you make it through the season safely.

Make sure your car is ready

Before winter arrives, and before any long trip, give your car a thorough check-up. Do wipers need to be replaced? Are your fluid levels where they should be? How are the radiator and cooling system?

If you live in an area (or visit one often) where temperatures regularly drop below 45 degrees, it’s a good idea to get a set of winter tires-they’re better suited for the cold than all-season tires, because they’re designed to provide the best traction and handling in ice and snow. Whatever you’re driving on, however, make sure your tires are inflated properly and that they have enough tread.

Your car should have an emergency kit, too. Pack it with jumper cables, blankets, a first-aid kit, flares, food and water, a flashlight, and other safety gear. A shovel and cat litter or sand are nice to have as well; they can provide traction should you get stuck.

Before you leave

If you’re going on a trip, make sure you check weather conditions along your route and take printed maps-you might not always have cell reception. Let someone know your itinerary so that if you don’t arrive on time, officials know where to look for you.

Every time you drive somewhere, even if it’s just a quick trip to the store, clear snow and ice off your car; it can be a hazard to other drivers. And don’t forget to clear your headlights and other lights.

When you’re on the road

Are roads snowy or icy? Take it slow. Take it slow. Take it slow. Give yourself extra time to get to your destination, and make sure you leave extra room between your vehicle and others. Watch for ice patches on bridges, overpasses, and shady spots. And remember, having four-wheel or all-wheel drive does not mean your car will stop (or steer) better on ice.

If you’re caught in a storm that seems like it’s too much for you to handle, seek refuge as soon as you can. Sometimes it’s best not to drive in snow and ice at all if it looks bad out there, stay home if possible.

If your vehicle becomes disabled or you get in an accident

Car trouble and accidents affect thousands of people every winter. If your vehicle is disabled, be sure to stay with it. Run your engine and heater for short intervals, and open one of your windows slightly to prevent carbon monoxide build-up. Light two flares (remember that vehicle emergency kit? Now’s the time to use it) and place one a safe distance from both the front and rear of your vehicle. Note your location with mileposts, exit numbers or cross streets and call the authorities or a tow truck.

If you’re in a crash, be careful-the aftermath of a car accident can be dangerous, especially in winter when visibility might be reduced and conditions might be slick. Check everyone involved for injuries and call 911 if necessary. After minor accidents, have everyone pull well off the road. Put out flares and turn on your hazard lights.

When you can’t move your car, stay inside unless traffic is completely clear. It’s far better for another vehicle to hit your car, even with you in it, than to hit you directly.

Wherever you may be headed this winter, we hope you enjoy the season with friends and family. Here’s to a healthy and happy holiday!

Source: https://www.safeco.com/blog/safe-winter-driving

Smart technology and devices continue to revolutionize how we live. Most people want to stay up to date on the latest trends and technologies. It is estimated that there will be over 73 million smart homes by 2021. So if you want to be one of these trend setters, you will want to read this list of how you can start to make your home a smart home!

  1. The first, and most important, step to making your home a smart home is to get a smart home digital assistant. The two most popular home assistants are Amazon Echo (with Alexa) and Google Home. You can purchase either one of these at www.bestbuy.com 
  2. Adding smart light bulbs is another great way to make your home smarter. Using your smart home digital assistant you can control all the smart lights in your home via voice control or by the push of a button. You can also have different settings for the lighting in each room, and turn lights on and off when you’re not home!
  3. Installing a smart thermostat is a great way to automate the temperature throughout your home and can even save you money on your electric bill! Some smart thermostats can learn your favorite temperatures and even sense when people aren’t home to regulate the temperature.
  4. Replacing your regular doorbell with a smart doorbell is another step to making your home smarter and safer. Smart doorbells come with HD cameras so you can see who is at your door via your mobile device. You can also communicate through your smart doorbell if you need to.
  5. If you hate running the vacuum, you will definitely want a smart vacuum. High quality smart vacuums come with great sensors that allow them to navigate throughout your home and clean autonomously! Some also come with Wi-Fi connectivity so it allows you to control it via your smartphone.

Source: https://thesmarthomer.com/how-to-make-your-home-a-smart-home/

Passenger

On average, the roughly 1.5 million to 2 million people in the U.S. who drive for both Uber and Lyft earn $18.15 an hour before expenses. Just one car accident, though, could easily eat up that money—and more. That’s why Uber and Lyft drivers likely need separate rideshare insurance to supplement both personal auto insurance and the coverage that’s automatically provided by rideshare companies. A driver’s financial stability could ride on whether they’ve got rideshare insurance.

To understand the insurance for rideshare driving, it’s important to know the three phases while a rideshare app is on:

  1. Available: The driver is available to pick up a passenger.
  2. En route: The driver has accepted a ride and is on the way to pick up the passenger.
  3. On the trip: The driver has picked up the passenger and is on the way to the passenger’s destination.

When an Uber or Lyft driver’s rideshare app is off, their personal auto insurance applies. But when the app is on, Uber and Lyft provide some coverage on the driver’s behalf. Personal auto coverage typically excludes rideshare trips. That’s because your auto insurance company has priced the policy assuming you’re driving yourself, relatives and/or friends, and that you aren’t earning money from private trips and putting a lot of extra miles on your car.

As a result, a rideshare driver’s personal auto policy typically won’t supply coverage while you’re making rideshare trips. A rideshare driver might be happy with the insurance provided by the rideshare company, especially if the driver carries only the minimum personal auto insurance required by the state. In those cases, a million dollars in liability coverage from Uber can look like a major bonus.

But there can still be gaps, which is where rideshare insurance comes in. For example, rideshare companies don’t provide collision or comprehensive insurance when the app is on and the driver is waiting for a ride request. And a personal auto policy that includes collision and comprehensive likely won’t cover that period. So, if you accidentally back into a pole, you’d have no insurance for the damage. Without additional rideshare coverage from their personal auto insurer, drivers may find their existing coverage may not apply to a loss that occurs while they are acting as a rideshare driver.

At A.C. Marmo & Sons, Inc., your road safety is very important to us. Call us at 973-340-9100 or visit our website at https://www.acmarmo.com/ 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.forbes.com/advisor/car-insurance/rideshare-insurance/