10 Reasons Your Insurance May Need a Checkup

Does your insurance need a checkup?

• Have you gotten married or divorced?
• Have you had a baby?
• Did your teenager get a driver’s license?
• Have you switched jobs or experienced a significant change in your income?
• Have you done extensive renovations on your home?
• Have you decided to buy a vacation or potential retirement home?
• Have you acquired any new valuables such as jewelry, electronic equipment, fine art, antiques?
• Have you signed a lease on a house or apartment?
• Have you joined a carpool?

If you answer yes to any of these questions, give us a call to update your policy. (410) 504-1002

Stay Safe If Your Car Breaks Down

If you are in an accident or your car breaks down, safety should be your first concern. Getting out of the car at a busy intersection or on a highway to change a tire or check damage from a fender bender is probably one of the worst things you can do. The Insurance Information Institute recommends the following precautions when your car breaks down:

1. Never get out of the vehicle to make a repair or examine the damage on a busy highway. Get the vehicle to a safe place before getting out. If you’ve been involved in an accident, motion the other driver to pull up to a safe spot ahead.
2. If you can’t drive the vehicle, it may be safer to stay in the vehicle and wait for help or use a cell phone to summon help. Under most circumstances standing outside the vehicle in the flow of traffic is a bad idea.
3. Carry flares or triangles to use to mark your location once you get to the side of the road. Marking your vehicle’s location to give other drivers advance warning can be critical. Remember to put on your hazard lights!
4. In the case of a blowout or a flat tire, move the vehicle to a safer place before attempting a repair—even if it means destroying the wheel getting there. The cost of a tire, rim or wheel is minor compared to endangering your safety.

Watch Out For Those Deer!

Maryland is classified as a high risk state for vehicle collisions with deer, which if you drive and live in our area doesn’t come as a big surprise to you! The same holds true for most of our neighboring states including West Virginia, Pennsylvania and Virginia.  Though not in the top ten, statistics show that in Maryland, 1 in every 141 motorists will have a collision with a deer in the next 12 months. For the third year in a row, West Virginia tops the list of states where a collision is most likely to occur at 1 in 39 with Pennsylvania 1 in 94, and Virginia rounding out the top 10.

The fall, when deer are mating and in many rural areas drawn out of their habitat by hunters, is the time of year when the most deer-vehicle incidents are reported.  While Maryland has seen a 27% increase in deer-vehicle collisions in the past few years along with increases in other states, there are things you can do to help minimize your chances of being one of these statistics.

Defensive driving tips to avoid hitting a deer:

  • Be especially attentive from sunset to midnight and during the hours shortly before and after sunrise. These are the highest risk times for deer-vehicle collisions.
  • Drive with caution when moving through deer-crossing zones, in areas known to have a large deer population and in areas where roads divide agricultural fields from forestland. Deer seldom run alone. If you see one deer, others may be nearby.
  • When driving at night, use high beam headlights when there is no oncoming traffic. The high beams will better illuminate the eyes of deer on or near the roadway.
  • Slow down and blow your horn with one long blast to frighten the deer away.
  • Brake firmly when you notice a deer in or near your path, but stay in your lane. Many serious crashes occur when drivers swerve to avoid a deer and hit another vehicle or lose control of their cars.
  • Always wear your seat belt. Most people injured in car/deer crashes were not wearing their seat belt.
  • Do not rely on devices such as deer whistles, deer fences and reflectors to deter deer. These devices have not been proven to reduce deer-vehicle collisions.

If your vehicle strikes a deer, do not touch the animal. A frightened and wounded deer can hurt you or further injure itself. The best procedure is to get your car off the road, if possible, and call the police.

Contact your insurance agent (Rossmann-Hurt-Hoffman, Inc. of course!) to report any damage to your car. Collision with an animal is usually covered under the comprehensive portion of your auto insurance policy if you carry that coverage.  http://www.iii.org/individuals/auto/lifesaving/deercar/