10_Fall_Car_Care_Tips_Prepare_Your_Vehicle_for_the_Changing_Seasons_(1)

Because seasonal changes affect your vehicle in a multitude of ways, it’s important to prepare for the transition from summer to fall. You’ll want to keep up on regular vehicle maintenance, while also paying close attention to season-specific car care tasks.

Essential Fall Vehicle Maintenance Tips

Check the Fluids

Checking your vehicle’s fluids is one of the most critical car care routines. The various fluids lubricate, cool, and perform other vital functions that help keep your car running and driving.

Take a few minutes to check the fluids under the hood, including the engine oil, coolant, and brake fluid. You’ll also want to check the automatic transmission fluid (if your car has a dipstick) and the power steering fluid (if your car has hydraulic power steering).

Warning: Never remove the cooling system cap when the engine is hot. Severe injury may result. Only check the coolant level and condition when the engine is cool.

Many vehicles also have assemblies, such as the differential and transfer case, that are located underneath the vehicle. You should check the fluids in these units regularly. If you have the know-how, you can safely raise and support the vehicle, then check the fluids yourself. You can also choose to have a professional do the job for you.

Inspect the Tires

We get it⁠—tires are about as exciting as an afternoon at the DMV. However, that doesn’t mean they should be ignored. Tires are super important because they affect the braking ability, handling performance, and overall safety of your vehicle.

Take a few moments to inspect your car’s tires to ensure they’re in good condition. First, you’ll want to check tread depth using a dedicated gauge. Take the measurement at three points across the tire: the outer tread, the center tread, and the inner tread.

If there’s 4/32” of tread remaining at any point, most professionals recommend replacing the tires. A tread depth reading of 2/32” or less indicates the tires are a safety hazard and should be replaced immediately.

You should also check the tire pressure with a dedicated gauge. When checking the pressure, ensure that the tires are inflated to the specification listed on the placard inside the door jamb. Do NOT set the pressure to the reading on the tire’s sidewall—that’s the maximum pressure.

If the pressure is too low, use an air compressor (or an air pump at the gas station) to add air. In the case that the pressure is too high, you can let air out of the tire by pressing down on the tip of the valve stem core with a pocket screwdriver.

Make Sure All of the Lights Work

Sadly, the long summer days will soon be coming to an end. Because nighttime comes earlier during the fall, you’re more likely to be driving when it’s dark out. Before that happens, get a friend to help you make sure all of your car’s exterior lights (including the brake lights and reverse lights) are working correctly.

A non-functional light usually indicates a burnt-out bulb. While replacing a bulb is usually a simple task, there are instances where the job can be difficult. For example, on some vehicles, the front fascia must be removed to access the headlight bulb.

Bulb replacement instructions can usually be found in your car’s owner’s manual. By reviewing the instructions, you’ll get an idea of whether the job is something you can handle on your own.

You can always have a professional change the bulb if the task seems too difficult.

Check the Wiper Blades

The fall season often brings rain and sometimes even snow. You’ll want to make sure your car’s wiper blades are in good shape to deal with these conditions.

To check the wiper blades, turn on both the wipers and windshield washers. A good set of blades should produce a streak-free sweep and leave the windshield clear.

Replace the wiper blades if they do not perform well.

You’ll also want to consider the washer fluid. There are winter blends, which are designed to resist freezing, and summer blends for warmer weather. When the temperatures start to drop, you’ll want to make sure you have a winter blend in your car’s washer fluid reservoir.

Inspect the Brakes

We don’t need to remind you of the importance of your car’s brakes, do we? You (or your mechanic) should check the brakes a least twice a year to ensure they’re in good condition. Right now, before the snow starts to fly, is the perfect time to take a peek.

How do you know when your brake pads are worn out? When there’s 4mm of friction material remaining, most professionals recommend replacing the brake pads (and usually replacing or resurfacing the brake discs). A reading of 3mm or less indicates the brake pads are a safety hazard and should be replaced immediately.

Make Sure the Heater is Working

If you’re like most drivers, you didn’t turn your car’s heater on at all during the summer. But soon, the weather will get cold and you’ll be pining for a warm cabin once again.

It’s a good idea to test your vehicle’s heater before the temperatures start to drop. Automotive heating systems rely on hot engine coolant, so if the heater is blowing cold air, you likely have a problem somewhere within the cooling system. For example, the thermostat may be stuck open, the water pump may be faulty, or the heater core could be clogged.

If you have the know-how, you can troubleshoot the problem yourself. Otherwise, you may want to have a professional diagnose and repair the issue.

Take Care of Any Outstanding Maintenance

Remember that booklet, called the owner’s manual, that’s buried in your glovebox? Dust it off and turn to the section that covers the manufacturer’s maintenance schedule⁠—you’ll find the suggested intervals for the routine services the automaker recommends.

Is your car due (or overdue) for service? Then take care of it now. Lack of maintenance is one of the most common—if not the most common—reasons for mechanical breakdowns.

Address Any Known Problems

Car problems left ignored often snowball into big-time concerns. For example, a leaking radiator hose can lead to a low coolant level, overheating, and catastrophic engine damage.

Ignoring issues can also leave you stranded on a chilly fall morning. Address any known problems now to prevent further headaches.

Store Classic Cars and Other Toys 

Most people put their classic cars and other toys into storage once summer is over. Of course, the best place to store your ride is in the garage. But if you don’t have access to covered parking, a car cover is the next best option.

Be sure to select the correct type of cover; some are designed for outdoor use, while others are for indoor use. Also, park the vehicle in a safe location that’s protected from the elements as much as possible.

Then, follow the product instructions to install and secure the cover.

Accessorize for the Season

You might start accessorizing for the fall season by picking up, say, a fluffy scarf or warm beanie. While you’re at it, don’t forget that you can also accessorize your car with practical upgrades, such as floor mats and seat covers.

Making the necessary adjustments to your vehicle whenever the season changes is one way to keep it around for a long time.

Source: https://www.carparts.com/blog/five-fall-car-care-tips/

Man,Cleaning,Gutters,On,Ladder

Your home’s gutters play a crucial role in protecting your property from water damage. They channel rainwater away from your roof, walls, and foundation, preventing potential structural issues and costly repairs. However, for gutters to function effectively, they require regular maintenance, including cleaning. In this blog post, we’ll explore why regular gutter cleaning is essential without relying on numbers.

Prevents Water Damage: One of the primary reasons for regular gutter cleaning is to prevent water damage to your home. When gutters become clogged with leaves, debris, and dirt, rainwater cannot flow freely. Instead, it overflows, seeping into your roof, walls, and foundation. Over time, this can lead to water damage, including rot, mold growth, and structural instability.

Preserves Roof Health: Clogged gutters can cause water to pool on your roof, especially during heavy rain. This standing water can compromise your roof’s integrity, leading to leaks and deterioration of roofing materials. Regular gutter cleaning ensures that rainwater is directed away from your roof, preserving its health and extending its lifespan.

Protects Home Foundation: Gutters and downspouts are designed to carry rainwater away from your home’s foundation. When gutters are clogged, water can accumulate around your foundation, increasing the risk of cracks and structural damage. Regular cleaning prevents this buildup, preserving the stability of your foundation.

Prevents Ice Dams: In cold climates, clogged gutters can contribute to the formation of ice dams. When gutters are filled with debris, snow and ice can accumulate, causing ice dams to form on your roof’s edge. These ice dams can lead to roof leaks and damage. Regular gutter cleaning helps prevent ice dams from forming in the first place.

Preserves Landscaping: Clogged gutters can overflow and pour water onto your landscaping, potentially causing erosion and damage to plants, shrubs, and flowers near your home’s foundation. By keeping your gutters clean and functioning correctly, you protect your landscaping investment.

Maintains Indoor Air Quality: Clogged gutters can lead to water infiltration into your home’s interior. This moisture can create an environment conducive to mold and mildew growth, which can negatively impact indoor air quality and pose health risks to occupants.

Reduces Pest Infestations: Debris-filled gutters can become attractive nesting sites for pests like birds, rodents, and insects. Regular gutter cleaning helps reduce the risk of pest infestations around your home.

Preserves Curb Appeal: Clean, well-maintained gutters contribute to the overall curb appeal of your home. Clogged and overflowing gutters not only detract from your property’s appearance but can also cause staining and damage to the exterior.

Regular gutter cleaning is an essential aspect of home maintenance that should not be overlooked. By ensuring that your gutters are clean and free of debris, you protect your home from water damage, preserve the integrity of your roof and foundation, and maintain the overall health and appearance of your property. It’s a relatively simple and cost-effective measure that can save you significant time and money on potential repairs down the road.

Service_Line_Coverage_and_Water_Backup_Coverage

As a homeowner, protecting your investment goes beyond the structure of your home. It also includes safeguarding essential systems and addressing potential risks. Two valuable insurance coverages you may want to consider are Service Line Coverage and Water Backup Coverage. In this article, we will define these coverages and explain why they are important for homeowners.

Service Line Coverage

 

What Is Service Line Coverage?

Service Line Coverage is an insurance policy endorsement that protects you against the costs associated with the repair or replacement of underground service lines on your property. These service lines typically include water lines, sewer lines, electrical lines, and communication lines that connect your home to public utility systems.

Why Is Service Line Coverage Important?

  • Costly Repairs: Repairing or replacing service lines can be expensive. If a sewer line or water line on your property is damaged, the repair costs can add up quickly. Service Line Coverage helps cover these expenses, reducing your financial burden.
  • Excluded in Standard Policies: Most standard home insurance policies do not cover damage to service lines, making Service Line Coverage a valuable addition to your policy.
  • Protection Against Tree Root Damage: Tree roots can grow into service lines, causing blockages and damage. Service Line Coverage can help cover the costs of repairing these issues.
  • Peace of Mind: Knowing that you have coverage for service line repairs gives you peace of mind. You won’t have to worry about unexpected and costly repairs disrupting your daily life.

Water Backup Coverage

 

What Is Water Backup Coverage?

Water Backup Coverage, also known as Sewer Backup Coverage, is an insurance policy endorsement that provides protection in case your home experiences damage due to water or sewage backing up into your property through drains, sewers, or sump pumps.

Why Is Water Backup Coverage Important?

  • Prevents Costly Cleanup: Water damage from backups can be extensive and costly to clean up. It can damage your belongings, flooring, walls, and even your electrical systems. Water Backup Coverage helps cover these expenses.
  • Excluded in Standard Policies: Similar to service lines, water backup damage is often excluded from standard home insurance policies. Adding this coverage ensures you’re protected against this common issue.
  • Protection Against Flooding: Water backup coverage is distinct from flood insurance. While flood insurance covers damage from external flooding, water backup coverage addresses internal issues within your home’s plumbing and drainage systems.
  • Protects Your Home’s Value: A water backup event can diminish the value of your property. Having the right coverage can help you restore your home to its previous condition, preserving its value.

Both Service Line Coverage and Water Backup Coverage are essential additions to your home insurance policy. They protect you from unexpected and potentially costly events that standard policies typically do not cover. These coverages provide financial security and peace of mind, ensuring that you can address service line issues and water backup damage without significant financial strain. Be sure to discuss these options with your insurance agent to determine the best coverage for your specific needs as a homeowner.

Dachshund,Breed,Dog,,Black,And,Tan,,Wearing,Orange,Life,Jacket

Summer is a fun time for humans and pets, but the rising temperatures can pose risks to our furry friends. Here are some essential tips to ensure your pets stay safe and comfortable during the summer season:

  1. Hydration is Key: Keep your pets well-hydrated by providing them with clean and fresh water at all times. Make sure their water bowls are refilled regularly, and bring water with you when you’re out and about. Dehydration can quickly set in during hot weather, so keeping your pets hydrated is crucial.
  2. Create Shade: Provide shaded areas for your pets to rest and relax outdoors. Set up umbrellas, use trees, or create a shady spot with a canopy. The shade will help protect your pets from direct sunlight and keep them cool.
  3. Beware of Hot Pavement: Asphalt and concrete can get scorching hot during the summer, which can burn your pet’s paw pads. Test the pavement with your hand – if it’s too hot to touch, it’s too hot for your pets to walk on. Stick to grassy areas or walk your pets during cooler times of the day.
  4. Never Leave Pets in Parked Cars: Never leave your pets unattended in a parked car, even for a short period of time. The temperature inside a car can skyrocket quickly, leading to heatstroke or even death. Always bring your pets with you or leave them at home in a cool, well-ventilated space.
  5. Regular Grooming: Keep your pets well-groomed during the summer months. Brush their fur to remove loose hair and promote air circulation. Consider trimming their long fur to help them stay cool, but avoid shaving them too short, as their fur can protect against the sun.
  6. Exercise During Cooler Times: Avoid strenuous exercise during the hottest parts of the day. Opt for walks or outdoor activities during the early morning or late evening when it’s cooler. Take frequent breaks in the shade and watch for signs of overheating.
  7. Watch for Signs of Heatstroke: Keep a close eye on your pets for signs of heatstroke, which can be life-threatening. Symptoms include heavy panting, drooling, difficulty breathing, vomiting, diarrhea, unsteady gait, or collapse. If you notice any of these signs, move your pet to a cooler area, offer water, and contact your veterinarian immediately.
  8. Keep Indoors Cool: If your pets stay indoors, ensure your home is kept at a comfortable temperature. Use fans or air conditioning to keep the air circulating and provide cool resting spots for your pets.
  9. Be Cautious with Water Activities: While swimming can be a fun way to beat the heat, not all pets are natural swimmers. Always supervise your pets around water and use a life jacket if needed. Rinse off your pets with fresh water after swimming to remove chlorine or salt from their fur.
  10. Prevent Insect Bites: Summer is prime time for fleas, ticks, and mosquitoes. Use recommended flea and tick prevention treatments for your pets, and avoid areas with stagnant water. Check your pets for any signs of fleas, ticks, or mosquito bites regularly.

By following these essential tips, you can ensure your pets stay safe, cool, and comfortable during the summer season. Remember, your pets rely on you to keep them safe and healthy, so prioritize their well-being during hot weather. Have a happy and safe summer with your furry friends!

Young,Girl,With,Suitcase,Down,The,Escalator.

Summer is a popular time for travel, whether it’s a road trip, a beach vacation, or an international adventure. It’s important to prioritize safety and security during your travels to ensure a smooth and enjoyable trip. Here are some tips for staying safe and secure while traveling during the summer:

  1. Plan and research: Before you travel, research your destination thoroughly. Understand the local laws, customs, and cultural norms. Familiarize yourself with the local emergency services and know the location of the nearest embassy or consulate if you are traveling internationally. Make sure to have a copy of your passport, visa, and important documents stored securely, either online or in a separate location from your originals.
  2. Secure your belongings: Keep your belongings safe by using lockable luggage, and avoid displaying expensive jewelry or electronics that may attract unwanted attention. Use hotel safes or lockboxes to store valuables when not in use. Avoid leaving your belongings unattended in public areas, and be cautious of pickpockets and thieves in crowded tourist areas.
  3. Stay connected: Ensure that you have a reliable means of communication during your travels. Have a working phone with local SIM cards or international roaming, or use Wi-Fi for internet access. Share your itinerary and contact information with a trusted friend or family member, and check in with them regularly. Keep important phone numbers, such as emergency services and your embassy/consulate, saved in your phone or written down.
  4. Transportation safety: If you’re renting a car, make sure it’s in good condition and follow all traffic laws. Use reputable transportation options such as registered taxis or ride-sharing services. Be cautious when using public transportation, especially at night or in unfamiliar areas. Avoid hitchhiking or accepting rides from strangers.
  5. Be cautious with strangers: Be cautious when interacting with strangers, especially in unfamiliar surroundings. Avoid sharing personal information with strangers and be wary of unsolicited offers or invitations. Use your judgment and trust your instincts.
  6. Stay in well-populated areas: Stick to well-populated and well-lit areas, especially at night. Avoid sketchy or dangerous areas, and be aware of your surroundings at all times. Stay in reputable accommodations and avoid poorly lit or deserted areas.
  7. Protect against the sun: Protect yourself from the sun by wearing sunscreen, hats, and sunglasses, and seek shade during the hottest parts of the day. Stay hydrated by drinking plenty of water, especially in hot climates.
  8. Practice safe water activities: If you’re engaging in water activities such as swimming, snorkeling, or boating, make sure to follow safety guidelines, use proper equipment, and be aware of local conditions such as currents, tides, and marine life. Follow all safety instructions provided by tour operators or local authorities.
  9. Stay updated with travel advisories: Stay updated with travel advisories and warnings from your government or relevant authorities. Be aware of any travel restrictions, health alerts, or safety concerns in your destination and take necessary precautions.
  10. Have an emergency plan: Have an emergency plan in place, including knowing the location of the nearest hospital, embassy/consulate, and emergency services. Familiarize yourself with local emergency numbers and know how to ask for help in the local language.

Remember that safety should always be a top priority while traveling. By being prepared, vigilant, and using common sense, you can have a safe and enjoyable summer travel experience.

The_Sobering_Stats

Drunk driving is a pervasive issue that not only poses significant risks to road safety but also has lasting consequences on individuals’ financial well-being. The following show sobering statistics of drunk driving and how they correlate with increases in auto insurance premiums.

The Alarming Statistics
The numbers are stark and alarming. According to the National Highway Traffic Safety Administration (NHTSA), alcohol-impaired driving contributes to a considerable portion of road accidents. In recent years, nearly 10,000 people lost their lives in crashes involving alcohol-impaired drivers, accounting for nearly 28% of all traffic-related fatalities.

Impact on Insurance Premiums
For those caught driving under the influence, the financial impact goes beyond legal fines and court fees. Insurance premiums take a substantial hit. On average, a DUI conviction can result in a staggering 80% increase in auto insurance premiums. This spike in costs is attributed to the heightened risk that insurers associate with drivers who have a history of impaired driving.

Risk Assessment by Insurers
Insurance providers meticulously assess risk when determining premiums. A driver with a DUI is statistically considered a high-risk individual due to the increased likelihood of accidents and claims. This risk assessment translates directly into higher insurance premiums, reflecting the potential financial exposure that comes with covering a driver prone to impaired decision-making behind the wheel.

Regional Variances
Statistics also highlight regional variations in the prevalence of drunk driving and its impact on insurance premiums. States with stricter DUI penalties and enforcement tend to have lower instances of drunk driving accidents and may see comparatively lower insurance premium increases for those convicted.

Age and Gender Disparities
Studies show that certain demographic factors, such as age and gender, play a role in drunk driving statistics. Younger drivers and males are more likely to engage in risky behavior, including driving under the influence. Consequently, this demographic may experience more substantial increases in insurance premiums following a DUI conviction.

Repeat Offenders
Another concerning statistic is the rate of repeat DUI offenses. A significant number of individuals who have been convicted of driving under the influence continue to engage in risky behavior. Repeat offenses not only result in more severe legal consequences but also lead to higher insurance premiums, as insurers perceive an elevated level of risk.

The statistics surrounding drunk driving and its impact on insurance premiums underscore the importance of responsible decision-making behind the wheel. The financial ramifications of a DUI go beyond the initial legal penalties, affecting individuals’ ability to secure affordable auto insurance for years. By understanding these statistics, individuals can make informed choices, prioritize responsible driving, and contribute to safer roads for everyone.

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

Hypothermia_-_Prevention_Tips

Preventing hypothermia is important because it can be a life-threatening condition. Hypothermia occurs when your body loses heat faster than it can produce it, causing your core body temperature to drop below the normal range (around 98.6°F or 37°C).  Preventing hypothermia involves taking measures to stay warm, dry, and protected in cold environments. Take proactive steps to avoid hypothermia.

 

Dress in Layers

  • Wear multiple layers of clothing to trap warm air close to your body.
  • Use moisture-wicking base layers to keep sweat away from your skin.

 

Stay Dry

  • Wet clothing can significantly increase the risk of hypothermia. Ensure your outer layer is waterproof or water-resistant.
  • Change into dry clothes if you get wet.

 

Protect Extremities

  • Wear gloves, hats, and warm socks to protect your hands, head, and feet.
  • These areas are prone to heat loss, so keeping them covered is crucial.

 

Stay Active

  • Physical activity generates body heat. Keep moving to maintain warmth.
  • Avoid long periods of inactivity in cold conditions.

 

Seek Shelter

  • If you’re in a cold environment, find or create shelter to protect yourself from wind and precipitation.

 

Stay Hydrated and Well-Fed

  • Dehydration and lack of food can make your body more susceptible to hypothermia. Stay nourished and hydrated.

 

Know the Signs

  • Be aware of the symptoms of hypothermia, such as shivering, confusion, slurred speech, and fatigue. Seek medical help if you notice these signs.

 

Avoid Alcohol and Tobacco

  • Alcohol can cause your body to lose heat more quickly, and tobacco can restrict blood flow. Avoid these substances in cold environments.

 

Stay Informed

  • Be aware of weather conditions and plan accordingly. Check forecasts before heading out, and be prepared for changing conditions.

 

Remember that the severity of hypothermia can vary, and individual susceptibility may depend on factors such as age, health condition, and environmental conditions. Taking preventive measures is essential for maintaining overall well-being and reducing the risk of serious health complications associated with hypothermia.

Portrait,Of,Stylish,Latin,Hispanic,Woman,With,White,Straw,Hat

With summer fast approaching, it’s important to keep in mind the risks of sun exposure and take steps to protect your skin from harmful UV rays. Exposure to ultraviolet (UV) radiation from the sun can cause a variety of skin problems, including premature aging, skin cancer, and eye damage. In this blog post, we’ll share some tips on how to stay safe in the sun and protect your skin.

  1. Wear Sunscreen

Sunscreen is a crucial part of sun safety. Choose a broad-spectrum sunscreen with an SPF of 30 or higher that protects against both UVA and UVB rays. Apply sunscreen generously to all exposed skin 30 minutes before going outside and reapply every two hours or immediately after swimming or sweating.

  1. Seek Shade

When the sun is at its strongest between 10 am and 4 pm, seek shade whenever possible. This can include staying indoors, sitting under an umbrella, or finding a tree to sit under. Keep in mind that UV rays can still reach you even when you’re in the shade, so it’s still important to wear sunscreen.

  1. Cover Up

Wearing protective clothing can help shield your skin from the sun’s rays. Choose long-sleeved shirts, pants, and wide-brimmed hats made from tightly woven fabrics that provide a barrier between your skin and the sun. Darker colors tend to offer more protection than lighter colors.

  1. Wear Sunglasses

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Sunglasses protect your eyes from UV rays, which can cause cataracts and other eye problems. Choose sunglasses that block at least 99% of UV rays and cover your entire eye area, including your eyelids.

  1. Check the UV Index

The UV Index is a measure of the strength of UV radiation from the sun. Check the UV Index before heading outside and take appropriate precautions based on the level. When the UV Index is high, take extra care to protect your skin, and avoid spending too much time outside.

  1. Don’t Use Tanning Beds

Tanning beds use UV radiation to darken your skin, which can increase your risk of skin cancer. If you want a tan, consider using a self-tanning product instead.
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In conclusion, protecting your skin from harmful UV rays is essential for maintaining healthy skin and avoiding the risk of skin cancer. By following these simple tips, you can enjoy the outdoors while keeping your skin safe from sun damage. Remember, it’s never too late to start protecting your skin, so start implementing these tips today!