Posts

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

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.

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/

If your home is left unoccupied for weeks or months at a time, your standard homeowners insurance policy might not provide coverage in the event of a claim. Any damages or losses that occur would have to be paid out of pocket unless you have vacant property insurance. 

Unoccupied and vacant homes present a greater insurance risk than an occupied home. The emergency response time is slower and there is an increased probability of a break-in occurring. This increased risk has resulted in the exclusion of these properties in a standard homeowners insurance policy. If you own an empty or vacant house, you should purchase vacant property insurance to protect yourself and your home.

Generally speaking, if your home is left unattended for 30 days or more you’ll want to purchase vacant property insurance. Before leaving your home vacant for an extended period of time, you should contact your insurance agent and discuss how your insurance carrier defines vacancy. Below are some scenarios where a homeowner might find the need for vacant property insurance.

  • You own a vacant home that you only visit a few times per year.
  • You’ve purchased a home, but won’t be moving in for several weeks.
  • You’re constantly traveling for weeks at a time.
  • You’re remodeling your home and won’t be living there during renovations.
  • You’re renting out your home and you’re in between tenants.

Source: https://www.valuepenguin.com/unoccupied-and-vacant-home-insurance

🌷Spring is here!  🌸  After a long dark and cold winter, the bright sun and warm winds of the spring are a breath of fresh air! The only downside? All that sunlight helps you see your leaf-filled gutters, cracked sidewalks, and dead plants in the flower beds. Get your home in shape for spring with this checklist!

1. Examine Roof Shingles: Examine the roof to see if any shingles were lost or damaged under the winter snow and ice.

2. Check the Gutters: Loose or leaky gutters can cause improper drainage, which can lead to water in your basement or crawlspace during the spring rain.

3. Inspect the Concrete: Inspect concrete slabs for signs of cracks or movement. Fill cracks with concrete crack filler or silicone caulk, power-wash, and then seal the concrete.

4. Remove Firewood: Firewood stored near the home for winter should be moved at least 18 inches off the ground and at least 2 feet from the structure.

5. Check Outside Faucets: Check outside faucets for freeze damage. While you’re at it, check your garden hose for dry rot.

6. Repair Window Screens: You will want to open the windows to let the fresh air in. Ensure small holes and tears are repaired so bugs don’t get in.

This is just a short list of items you can do to prepare your home for the spring. Winter was nice and cozy but, we are ready for the spring sunshine! While you are preparing your home for the spring, it is a great time to review your homeowners insurance! 

Source: https://www.hgtv.com/lifestyle/clean-and-organize/10-home-maintenance-tips-for-spring-pictures

A.C. Marmo & Sons, Fairfield, Fairfield NJ, NJ, New Jersey, Insurance, Auto Insurance, Jumpstart A Car, How To Jumpstart A Car, Dead Car Battery,

Trouble happens. You left your lights on and now you’re stuck with a dead car battery. While learning how to jump start a car can be easy, there are risks in it if done so incorrectly. As your insurance agent, we care about your safety so we put together the following guide on how to properly get you and your car charged and back on the road.

What do you need to jump start a car?

Before you can recharge and get going, you need a few basics: jumper cables and a power source – either a portable jump battery (a jump box) or another vehicle.

Jumper cables are long, thickly insulated cables with toothy clips on one or both ends. These clips are called alligator clips. The clips are distinguished by color, usually red and black, to indicate positive and negative polarity. The red clip is positive. The black clip is negative.

Jump boxes are portable batteries used to jump start a vehicle without connecting to another vehicle and come with special jump cables. These cables connect the jump battery directly to the dead car battery. Road side assistance usually uses a jump box when helping stalled vehicles.

What do you need to know about car batteries to jump start a car?

Car batteries have two larger nubs, called terminals. There is a positive terminal and a negative terminal. Each should be clearly marked. Connecting cables to the right terminal is important to completing the circuit and gives power to the dead battery.

  • Positive terminal – The positive terminal is usually the bigger of the two terminals. It is marked with “POS” or “+”. It will connect to the positive clip on the jumper cable, which is usually red.
  • Negative terminal – The negative terminal on the battery is usually marked with “NEG” or “-”. This will attach to the other clip, which is usually black.

CAUTIONS WHEN JUMP STARTING A CAR: 

  • READ THE OWNER’S MANUAL. Some cars are not recommended for jump starting because they have sensitive circuitry
  • DO NOT JUMP corroded, cracked, leaking, or visibly damaged batteries
  • DO NOT JUMP frozen batteries
  • DO NOT JUMP dry batteries
  • DO NOT TOUCH CLIPS together. This is true when connected, but get in the habit by never touching the clips together.

Protect the donor battery

A quick test that there is enough voltage for the donor, be sure that the car giving the jump start headlights are steady and bright when the car is started. If the headlights dim, that can signal that the battery is low.

How do you use jumper cables to jump start a car from another vehicle?

  1. CHECK BATTERIES: Make sure that the battery giving the jump has enough voltage and is a matching voltage system type (12V, 6V, etc.)
  2. READY CARS: Put both cars in park or neutral, turn the ignitions off, and put on the parking brake.
  3. OPEN THE HOOD of each car.
  4. ATTACH ALLIGATOR CLIPS to the terminals in the following order:
    • Red to Dead – Connect red, or positive, clip to the positive terminal on the battery of the dead car.
    • Red to Donor – Connect the red, positive, clip to the positive terminal on the donor battery on the other car.
    • Black to Donor – Connect the black clip to the negative terminal of the donor car.
    • Black to Metal – Connect the black clip to an unpainted metal part of the dead car that is not directly next to the battery. One of the metal struts that hold the hood open is a good place to clip the second black, or negative, clip.
  5. START THE DONOR CAR so that the battery can supply power to the dead battery.
  6. IDLE the donor car, allowing it to run for a few minutes.
  7. TEST the interior light of the car being jump started. If it goes on, there may be enough power.
  8. START the dead car.

After the car is jump started: 

Unclip the clips in the reverse order you connected them:

    • The black clip on the unpainted metal
    • The black clip from the negative terminal
    • Red clip from the donor car
    • Red clip from the dead car’s battery

If the jump works and your car starts, don’t shut off your engine! Drive around for at least 15 minutes to recharge your battery. If the car won’t start the next time you use it, the battery isn’t holding a charge and needs to be replaced.

Watch these steps for jump starting a car from Safe2Drive.

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.idrivesafely.com/defensive-driving/trending/how-jump-car-simple-steps-bring-your-car-battery-back-life and https://www.dummies.com/home-garden/car-repair/how-to-jump-start-a-car/