insurance Archives - AC Marmo & Sons, Inc.

Posts

The Answers to Common Questions About Motorcycle Insurance

The_Answers_to_Common_Questions_Abut_Motorcycle_Insurance

Owning a motorcycle brings a sense of freedom and excitement, but it also comes with responsibilities, including the need for proper insurance coverage. Motorcycle insurance is essential for protecting yourself, your bike, and others on the road. Many riders have questions about how motorcycle insurance works, what it covers, and how to choose the right policy. Below, we answer some of the most common questions about motorcycle insurance to help you make informed decisions.

What Does Motorcycle Insurance Cover?

Motorcycle insurance typically includes several types of coverage to protect against various risks. These may include:

Liability Coverage – Covers bodily injury and property damage to others if you are at fault in an accident.
Collision Coverage – Pays for repairs to your motorcycle if you are involved in an accident, regardless of fault.
Comprehensive Coverage – Protects against non-collision-related damages such as theft, vandalism, or weather-related incidents.
Uninsured/Underinsured Motorist Coverage – Provides protection if you are involved in an accident with a driver who lacks adequate insurance.
Medical Payments Coverage – Helps cover medical expenses for you and your passengers in the event of an accident.
Accessories and Custom Parts Coverage – Covers modifications, upgrades, and custom parts added to your motorcycle.

Is Motorcycle Insurance Legally Required?

Yes, motorcycle insurance is required in most states, similar to auto insurance. The minimum requirements vary by state but typically include liability coverage for bodily injury and property damage. Some states also require uninsured/underinsured motorist coverage. Failing to carry adequate insurance can result in fines, license suspension, or legal penalties.

How Is Motorcycle Insurance Different from Auto Insurance?

While motorcycle and auto insurance share similarities, they have key differences. Motorcycles generally have higher accident risks due to their smaller size and lack of enclosed protection. As a result, motorcycle insurance often includes specialized coverage options such as helmet and safety gear protection. Additionally, policies may have different premium structures based on riding habits, seasonal usage, and bike type.

How Are Motorcycle Insurance Rates Determined?

Several factors influence the cost of motorcycle insurance, including:

Rider’s Age and Experience – Younger and less experienced riders typically face higher premiums.
Type of Motorcycle – Sportbikes and high-performance motorcycles usually cost more to insure due to increased risk.
Location – Urban areas with higher accident and theft rates may lead to higher insurance costs.
Driving Record – A clean driving history can result in lower premiums, while violations or accidents may increase costs.
Coverage Limits and Deductibles – Higher coverage limits and lower deductibles typically result in higher premiums but provide greater protection.

Are There Discounts Available for Motorcycle Insurance?

Yes, many insurance providers offer discounts to help reduce premiums. Some common discounts include:

Multi-Policy Discount – Bundling motorcycle insurance with auto or home insurance can lead to savings.
Safe Rider Discount – Completing a motorcycle safety course may qualify you for lower rates.
Anti-Theft Discount – Installing security devices such as alarms or GPS trackers can lower theft risk and premiums.
Loyalty and Renewal Discounts – Long-term policyholders or those who renew their policy with the same insurer may receive discounts.

Does Motorcycle Insurance Cover Passengers?

It depends on the policy. Some motorcycle insurance policies include coverage for passengers under medical payments or personal injury protection (PIP). If you frequently ride with a passenger, it’s essential to confirm with your insurer whether they are covered and, if not, add the necessary protection.

What Happens if My Motorcycle Is Stolen or Damaged by Weather?

If you have comprehensive coverage, your policy will help pay for damages or replacement if your motorcycle is stolen, vandalized, or damaged due to weather events such as hail or flooding. Without comprehensive coverage, you would be responsible for the costs out of pocket.

Can I Pause My Motorcycle Insurance in the Off-Season?

Some insurers allow you to adjust your coverage during the off-season if you don’t ride year-round. You may be able to reduce coverage to comprehensive-only, which protects against theft and damage while the bike is stored, without paying for liability or collision coverage when the motorcycle isn’t in use.

How Can I Find the Best Motorcycle Insurance Policy?

To find the best policy for your needs:

Compare Quotes – Get quotes from multiple insurers to find the best balance of coverage and affordability.
Assess Your Coverage Needs – Consider factors such as your riding habits, bike value, and risk tolerance.
Check Customer Reviews – Research insurer reputation, customer service, and claims handling.
Consult an Insurance Agent – Speaking with an experienced insurance agent can help you understand policy options and make informed decisions.

Motorcycle insurance is a crucial part of responsible riding, providing financial protection against accidents, theft, and liability claims. Understanding your coverage options and asking the right questions ensures you get the best policy for your needs. If you’re unsure about which coverage is right for you, working with a knowledgeable insurance provider can help you navigate your options and secure the protection you need on the road.

March 20, 2025/by A.C. Marmo & Sons

Insurance, Tips

A.C. Marmo & Sons LOVES Insuring Your Life!

Life is the most precious gift, and at A.C. Marmo & Sons, we love insuring yours! This month, we’re sending heartfelt love and gratitude to each of our loyal clients. Thank you for welcoming us into your families and homes—it’s truly an honor to provide you with the protection and peace of mind you deserve, especially in uncertain times.

Coverage You Can Count On

We take pride in offering a variety of impactful services tailored to your needs. Here are just a few of the coverages we provide:

[Homeowners Insurance]: Safeguard your home with customized plans that provide reliable protection when you need it most.
[Life and Health Insurance]: Ensure your loved ones’ future with comprehensive [life/health] coverage designed for your reassurance.
[Business Insurance]: Protect your business or assets with tailored solutions that let you focus on growth and success.

Whether it’s protecting your home, your family, or your dreams, we are here to ensure you feel supported every step of the way.

We’re Here for You

Got questions? We’d love to answer them. Have concerns? Let us address them. At A.C. Marmo & Sons, insuring you isn’t just our job—it’s our passion.

Get to know us better, and let us provide the protection you so deeply deserve. Visit us online, call, or stop by.
https://www.acmarmo.com/ | Fairfield- (973) 340-9100, 350 Passaic Avenue, Fairfield NJ 07004 | Lavallette- (732) 793-7530, 1605 Grand Central Avenue, Suite #3 Lavallette, NJ 08735

Thank you for trusting us with what matters most. We love serving you and look forward to continuing to support you!

February 13, 2025/by A.C. Marmo & Sons

Blog, Safety, Tips

Preventing Frozen Pipes

Freezing pipes can be a common issue during cold weather, and it’s important to take preventive measures to avoid potential damage. Here are some tips to help prevent pipes from freezing:

Insulate Pipes – Insulate pipes in unheated areas such as basements, attics, and crawl spaces. This can help maintain a higher temperature around the pipes.

Seal Cracks and Gaps – Seal any cracks or gaps in walls and around windows and doors to prevent cold air from entering and affecting the pipes.

Keep Interior Temperature Consistent – Maintain a consistent temperature inside your home, especially during extremely cold weather. This helps prevent pipes from freezing.

Let Faucets Drip – Allow faucets to drip slightly. This keeps water flowing, making it less likely for pipes to freeze.

Open Cabinet Doors – Open cabinet doors under sinks to allow warm air to reach the pipes.

Disconnect Garden Hoses – Disconnect and drain garden hoses, and shut off outdoor water valves to prevent freezing.

Add Extra Insulation – For extremely cold climates, consider adding extra insulation to walls and ceilings.

Heat Tape or Cable – Use heat tape or cable on vulnerable pipes. Follow manufacturer instructions for installation.

Keep the Thermostat On – If you’re away, don’t turn off the heating system entirely. Keep the thermostat set to a temperature that prevents freezing.

It’s crucial to be proactive in addressing potential vulnerabilities, especially in unheated areas such as basements, attics, and crawl spaces. By implementing these preventive steps, you can minimize the risk of frozen pipes and ensure the continuous flow of water in your plumbing system.

If despite these precautions, your pipes still freeze, it’s crucial to thaw them carefully to avoid damage. Use a hairdryer, heating pad, or towels soaked in hot water to thaw the pipes gradually. Never use an open flame or high-temperature devices.

By following these guidelines and staying vigilant during cold weather, you can protect your plumbing system and enjoy a winter season free from the worries of frozen pipes.

January 20, 2025/by A.C. Marmo & Sons

Safety, Tips

What Types of Auto Insurance Coverage Do I Need?

Understanding auto insurance is essential for both legal compliance and financial protection. Auto insurance isn’t just a requirement—it’s a safeguard against risks like accidents, theft, and natural disasters. With so many coverage types available, individuals like yourself may find it challenging to determine what’s necessary. As you read further, you will find a break down of the various auto insurance coverage options, an explanation of what they entail, and help with deciding which coverage best suits your needs.

Understanding the Basics of Auto Insurance

Before diving into specific types of coverage, it’s essential to understand the fundamental purpose of auto insurance. The primary goal of auto insurance is to protect you financially in the event of an accident, theft, or damage to your vehicle. Insurance can cover various costs, including medical expenses, repair bills, and liability claims if you are at fault in an accident.

Most auto insurance policies consist of several components, and drivers typically choose coverage based on their needs, risks, and financial situations. The main types of coverage include:

Liability Coverage
Collision Coverage
Comprehensive Coverage
Uninsured/Underinsured Motorist Coverage
Medical Payments Coverage
Personal Injury Protection
Loan/Lease Gap Insurance

Understanding what each type of coverage includes is essential. The following explanations outline what each coverage option provides and why you might want to consider adding it to your auto insurance policy.

Liability Coverage

Liability coverage is typically mandatory in most states and is designed to protect you if you are found responsible for causing an accident. It consists of two components:

Bodily Injury Liability: This portion of liability coverage pays for medical expenses, lost wages, and other related costs for other parties if you are at fault in an accident that results in injuries. It also covers legal fees if the injured party decides to sue you.

Property Damage Liability: This coverage pays for damages to someone else’s property, such as their vehicle or other property (like a fence or building), if you are responsible for the accident.

How Much Liability Coverage Do You Need?

The minimum required amounts of liability coverage vary by state. However, it’s often recommended to purchase higher limits than the minimum to protect your assets in case of a severe accident. A common recommendation is to have at least 100/300/50 coverage. This means your coverage includes $100,000 for bodily injury per person, $300,000 for total bodily injury per accident, and $50,000 for property damage.

Collision Coverage

Collision coverage is an optional type of insurance that helps pay for repairs to your vehicle after an accident, regardless of who is at fault. This coverage applies to damage caused by colliding with another vehicle, hitting a stationary object (like a tree or lamppost), and rolling over.

When Should You Consider Collision Coverage?

Collision coverage is particularly beneficial for drivers with new or high-value vehicles. If your car is older or worth less than your deductible, you may consider dropping this coverage to save on premiums. However, if you rely on your vehicle for daily transportation, keeping collision coverage can provide another level of security.

Comprehensive Coverage

Comprehensive coverage protects your vehicle against non-collision-related incidents. This type of insurance covers damages caused by the following:

Theft
Vandalism
Natural disasters (hurricanes, floods, earthquakes)
Fire
Falling objects (like tree branches)
Animal collisions

Who Needs Comprehensive Coverage?

Comprehensive coverage is especially valuable for those living in areas prone to theft or natural disasters. Like collision coverage, you may want to consider dropping comprehensive coverage if your vehicle is older and its value is less than your deductible. However, for newer or higher-value cars, comprehensive coverage can be a worthwhile investment.

Uninsured/Underinsured Motorist Coverage

Uninsured/underinsured motorist (UM/UIM) coverage protects you if you are in an accident with a driver who either has no insurance or insufficient insurance to cover your damages. This coverage can include one or more of the following:

Uninsured Motorist Bodily Injury: Covers medical expenses and lost wages for you and your passengers if you are injured in an accident caused by an uninsured driver.

Uninsured Motorist Property Damage: Helps pay for damages to your vehicle caused by an uninsured driver.

Underinsured Motorist Coverage: Provides protection if you are in an accident with a driver whose insurance limits are too low to cover your damages.

Why Is UM/UIM Coverage Important?

Unfortunately, many drivers are on the road without adequate insurance coverage. Having UM/UIM coverage can provide crucial financial protection in the event of an accident with an uninsured or underinsured driver. This coverage is often relatively inexpensive compared to other types of insurance and can save you from significant out-of-pocket expenses.

Medical Payments Coverage

Medical payments coverage (MedPay) helps pay for medical expenses for you and your passengers, regardless of who is at fault in an accident. This coverage can include hospital bills, doctor visits, ambulance fees, and rehabilitation costs.

Who Should Consider Medical Payments Coverage?

If you have health insurance, you may wonder whether you need MedPay. While your health insurance may cover medical expenses from an accident, MedPay can help cover deductibles and co-pays. Additionally, MedPay can pay for immediate medical expenses if you don’t have health insurance.

Personal Injury Protection

Personal injury protection (PIP) is similar to medical payments coverage but goes further by covering a wider range of expenses related to injuries sustained in an accident. PIP can include medical expenses, lost wages, childcare costs, and funeral expenses

Is Personal Injury Protection Right for You?

PIP is required in some states (no-fault insurance states) but is optional in others. If you live in a no-fault state, having PIP coverage can help ensure you have financial support for various expenses resulting from an accident. Even in states where it’s not mandatory, PIP can provide an extra layer of protection and security.

Loan/Lease Gap Insurance

Loan or lease gap insurance is designed for drivers who still owe money on their vehicle loan or lease. If your car is totaled in an accident, standard insurance will typically only cover the vehicle’s current market value, which may be less than the amount you owe on your loan or lease. Gap insurance covers the difference.

Who Needs Gap Insurance?

If you have a new car, financed or leased it, or have a low-down payment, gap insurance can be a valuable addition to your auto insurance policy. It ensures that you won’t be left with a significant financial burden if your vehicle is declared a total loss.

Choosing the Right Coverage for Your Needs

With so many types of auto insurance coverage available, selecting the right combination for your needs can be overwhelming. Here are some tips to help you make informed decisions.

Assess Your Risks: Consider your driving habits, the area you live in, and the value of your vehicle. If you frequently drive in high-traffic areas or live in a region with high theft rates, you may want to prioritize certain types of coverage.

Understand Your State’s Requirements: Familiarize yourself with your state’s minimum insurance requirements and consider whether you want to go beyond those minimums for added protection.

Evaluate Your Financial Situation: Determine how much you can afford to pay in premiums and deductibles. Higher deductibles can lower your premiums but may leave you with higher out-of-pocket costs in the event of an accident.

Compare Quotes: Shop around and get quotes from multiple insurance providers to find the best coverage options and rates. Many insurers offer online tools to help you compare policies easily.

Consult an Insurance Agent: If you’re unsure about which coverage types are best for you, consult an insurance agent. They can help you navigate your options and find a policy that meets your needs.

Choosing the right auto insurance coverage is essential for protecting yourself, your passengers, and your vehicle. We will help you to understand the various types of coverage available—such as liability, collision, comprehensive, uninsured/underinsured motorist, medical payments, personal injury protection, and gap insurance—so you can make informed decisions that align with your needs and budget.

December 10, 2024/by A.C. Marmo & Sons

Auto Insurance

Auto Insurers Contend With Rising Auto Costs

Auto premiums continue to increase as rising labor and material prices, alongside natural disasters, are forcing insurers to contend with significant losses.

As Triple-I previously found in its January report, Insurance Economics and Underwriting Projections: A Forward View, “commercial auto underwriting losses continue, with a projected 2023 net combined ratio of 110.2, the highest since 2017,” according to Jason B. Kurtz, FCAS, MAAA, a Principal and Consulting Actuary at Milliman. Combined ratio is a standard measure of underwriting profitability, in which a result below 100 represents a profit and one above 100 represents a loss.

Insurers are now having to increase rates in response to losses that are expected to keep rising.

“Nobody wants to have that higher-price bill,” said Sean Kevelighan, Triple-I’s CEO. However, he added companies “need to price insurance according to the risk level that’s out there.”

While inflation is partially to blame for these increases, natural disasters are also contributing to rising costs—and not only in traditionally disaster-prone areas like Florida and California.

As the overall P&C industry has struggled with severe convective storms, hurricanes, and other natural disasters, these losses have also been felt in commercial auto. In fact, 2023 witnessed around two dozen U.S. storms, each with losses of around a billion dollars or more. This included major lightning, hail, and damaging winds around many areas of the U.S.

“While a lot of these storms don’t make national headlines, they do tend to be very costly at the local level,” says Tim Zawacki, principal research analyst for insurance at S&P Global Market Intelligence. “And the breadth of where these storms are occurring is something that I think the industry is quite concerned about.”

While disasters and economic inflation continue to roil commercial auto, so too does social inflation. As the Triple-I previously reported, “social inflation,” which is the presence of inflation in excess of economic inflation, has also significantly contributed to increases in commercial auto premiums.

Triple-I found that “from 2013 to 2022, increasing inflation drove losses up by between $35 billion and $44 billion, or between 19 percent and 24 percent. The pandemic brought significant change to commercial auto liability, decreasing claim frequency while increasing claim severity more dramatically.”

This increased claim severity is at least partially due to changing driving patterns since the pandemic, including distracted driving, which involves behaviors like cellphone use while behind the wheel. A Triple-I Issues Brief, Distracted Driving: State of the Risk, enumerated these concerns, which have undoubtedly played a role in rising commercial auto premiums.

Indeed, a confluence of issues are playing into rising auto premiums. While natural disasters are out of the control of insurance providers and their policyholders, other factors must be addressed to steady the cost of this line of insurance. This includes telematics and usage-based insurance, which has gained more acceptance since the pandemic.

Still, it is incumbent on insurers, policyholders, and policymakers to create a more sustainable market for auto insurance, working together to tackle the challenges of both climate risk and dangerous driving behavior.

Source: https://insuranceindustryblog.iii.org/category/auto-insurance/

May 14, 2024/by A.C. Marmo & Sons

Blog, Tips

Common Roofing Problems and Their Solutions

Aerial,View,Of,Roof,Work,Done,On,A,Home.

Your roof is your home’s first line of defense against the elements, and it’s essential to keep it in good condition to ensure the safety and longevity of your property. Over time, various roofing problems can arise, but the good news is that most of these issues can be addressed with timely repairs. In this blog post, we will discuss some of the most common roofing problems homeowners encounter and the solutions to resolve them effectively.

Leaky Roof:

Problem: Water leaks are a common issue, often caused by damaged or missing shingles, deteriorated flashing, or worn-out sealants.
Solution: Identifying the source of the leak and promptly repairing or replacing damaged roofing materials can resolve this issue. Regular inspections and maintenance are key to preventing leaks.

Shingle Damage:

Problem: Shingle problems, such as curling, cracking, or missing shingles, can leave your roof vulnerable to water infiltration.
Solution: Replacing damaged or missing shingles and addressing the underlying causes, such as poor ventilation or inadequate attic insulation, can restore the roof’s integrity.

Moss and Algae Growth:

Problem: Moss and algae can grow on your roof, causing aesthetic issues and potential damage.
Solution: Cleaning your roof and applying treatments to prevent regrowth can help maintain its appearance and longevity.

Ice Dams:

Problem: In colder climates, ice dams can form on your roof’s edge, leading to water backup and potential leaks.
Solution: Proper insulation, ventilation, and regular maintenance can prevent ice dams. Additionally, removing snow buildup from your roof can help mitigate the risk.

Roof Ventilation Issues:

Problem: Poor ventilation can lead to temperature imbalances, moisture buildup, and premature aging of roofing materials.
Solution: Ensuring proper roof ventilation through vents and soffits can maintain a consistent temperature and humidity level in your attic, extending the life of your roof.

Flashing Problems:

Problem: Damaged or improperly installed flashing around chimneys, vents, and skylights can allow water to seep in.
Solution: Replacing damaged flashing and ensuring proper installation is crucial to preventing leaks in these vulnerable areas.

Sagging Roof:

Problem: A sagging roof may indicate structural issues that require immediate attention.
Solution: Consulting a professional roofing contractor is essential to assess and address any structural problems, which may involve reinforcing or replacing support beams.

Gutter Clogs:

Problem: Clogged gutters can lead to water overflow, damaging the roof and causing foundation issues.
Solution: Regular gutter cleaning and maintenance can prevent clogs and ensure proper drainage.

Regular roof inspections and maintenance are vital for identifying and addressing common roofing problems before they escalate. Whether it’s a minor repair or a more extensive renovation, acting promptly can extend the life of your roof and protect your home from costly damage. If you encounter any of these issues, don’t hesitate to consult a professional roofing contractor for expert solutions.

April 16, 2024/by A.C. Marmo & Sons

Safety, Tips

The Sobering Stats: Drunk Driving and Its Impact on Insurance Premiums

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.

March 14, 2024/by A.C. Marmo & Sons

Safety, Tips, Uncategorized

AC Marmo & Sons, Inc. LOVES 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

you 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

February 7, 2024/by A.C. Marmo & Sons

Insurance

Safe Driving in Winter Weather

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

December 21, 2022/by A.C. Marmo & Sons

Blog

Homeowners Insurance Facts

When you decide you want to buy your first home, homeowners insurance may not be the first thing you think about. However, most mortgage lenders require you to have homeowners insurance before they will approve your loan. There are a few things you should know about homeowners insurance.

Certain losses are excluded from most homeowners insurance policies. Standard homeowners insurance policies don’t cover floods or earthquakes. If you want coverage for flood or earthquake damage, you will need separate policies for those. If you are in a flood zone, your mortgage lender may require you to purchase flood insurance.

We all know that our credit score is important for many things. Did you know it can also affect your homeowners insurance premium? Some states have banned this practice; however, in most cases your credit score can affect your insurance premium. The better your credit rating, the lower your premium. So while you’re spiffing up your credit rating to get a good deal on your mortgage loan, you should maintain a good rating to save money on your homeowners insurance.

Poor home maintenance may cause a claim to be denied. Not all damages are covered by homeowners insurance. If the damage that occurred to your home is due to your failure to properly maintain your home, your claim may be denied. When it comes to home maintenance, don’t be a procrastinator!

While you are living in your new home, you will acquire new valuables, personal possessions, and may do some home improvements. You should always report these to us right away so we can ensure your coverage is sufficient for your investment. Enjoy your new home, you deserve it!

Source: https://www.hsh.com/first-time-homebuyer/facts-about-home-insurance.html

November 8, 2022/by A.C. Marmo & Sons