Cautions: Your Car During Hurricane

As Hurricane Irene approaches the East Coast, we have prepared a few helpful safety tips related to your car, which can play a key role in surviving such a natural disaster.
People will be affected in a wide range of ways from this storm system from direct home damage and power loss, to the interruption of goods and services. The most important tip is knowing that extreme weather is no place for driving. Don’t drive in the storm. Risks such as hydroplaning and striking unexpected submerged objects in deep puddles are too real, and emergency services will have their hands full. Don’t add to their challenges.
That said, here are some things to consider.

Fill the gas tank. If your county loses power for days, it may be essential to drive to shelter or travel to obtain services. In good weather, that is an easy task, but when millions of other people also need a hotel, the distance you must drive can be considerable. And in the end, you may end up sleeping in the car.
Install new windshield wipers, or at least freshen the existing ones by wiping with a paper towel moistened with window cleaner. In our tests, we have found that simple action can often add months of service.

Check the tire pressure, including the spare tire. When it is time to go, you don’t want a simple flat tire to hold you back. If debris litters the streets, the chance of a tire puncture is much greater.

Pack a go-bag. It is highly recommended that each family member prepare a go-bag. Likewise, you should have a go-bag in the car, with cash, water, food, clothes, and other living essentials in case you have the need to bolt. Should the house sustain significant damage, you can’t count on being able to retrieve everything that you might otherwise want for travel.

Maps. Have paper maps with you, including an evacuation route printed from your state government’s website. A GPS with traffic services can prove valuable, but of course, some traffic information may be compromised by power outages. (Connecticut, South Carolina, North Carolina, Maryland, Massachusetts, New Jersey, New York, and Virginia.)

Car charger. A cell phone can provide a vital lifeline to friends, family, and emergency services. Should the neighborhood lose power, make sure you have a charger in the car to power up your phone.

Check the windows. It seems simple, but it is important. Make sure the windows and sunroof are all closed tight.

Take pictures. This goes for the car, as well as the house. Snap a few before pictures in case you need to prove damage was caused by the storm.

Park the vehicle on high ground, removing the risk of flooding. A water-damaged car is an expensive, disappointing boat anchor.

Protect the garage. In the south, modern homes are built to hurricane codes, with structures and even garage doors engineered to withstand harsh storms. That is not the case for much of the region about to be introduced to Irene. Consider parking your car outside, tight against the garage door—sideways—to block high-speed winds and hopefully preserve the door’s integrity. Should true hurricane-force winds break through the garage door, the storm can do serious structural damage. With an attached garage, that damage can quickly translate to the house.

Insurance paperwork. If possible, keep a copy of the car insurance paperwork in a Ziplock within your go bag. Should the car be damaged, don’t delay calling the insurance company for days. Chances are, you’re not alone. The insurance phone lines will be clogged, and the local repair shops will quickly be booked up.

Evacution. If you decide to drive away from the storm, before the harsh winds arrives, drive safely. Don’t speed, especially in the rain. The faster you drive, the greater the risk of hydroplaning—when water causes a vehicle's tires to lift off the road surface. Stick to major roads. Avoid short cuts, as they are more likely to have problems, especially after the storm (trees down, flooding), and less likely to have emergency workers keeping the road clear. Try to limit the family to one car, so as to minimize road congestion. And stay away from flooded areas and downed power lines.
With some quick preparation, your car can play a key role in weathering the storm. Good luck.

Thumb For Canceling Car Insurance

Canceling your car insurance is something that everyone has to go through.  Trust me, I know that I have done it quite a lot of times and I know that it can be difficult, however there are some things that you need to know whenever you are thinking about canceling your car insurance.
One of the first steps that you need to do is make sure that you know exactly what you policy says.  Before anything else is done, you want to just take a peek at your policy and ensure exactly how the payment structure works.
Next, make sure that you contact your insurance provider.  Every car insurance broker actually will have to follow a lot of different steps to cancel a policy, so keep that in mind.

What is liability insurance?

Liability insurance covers an organization in the event that someone is hurt or property is damaged as a result of any action or inaction by your CHDO or its representatives. Liability insurance also covers your organization if faced with a lawsuit. A suit might be brought against your organization for anything, from damage of someone’s property by one of the organization’s employees to, for example, the injury of a customer who trips on your uneven front steps. The financial and staff-time costs of one lawsuit could potentially destroy your organization, so you should work with your insurance agent to plan a policy that is as comprehensive as you can afford.

Your commercial general liability policy (also referred to as “standard” or “basic” policy) will provide protection against lawsuits alleging personal or bodily injuries or damage to property caused by the operations of your organization.     

A liability policy does not, however, cover damages sustained as the result of governance and management decisions. The cost of defending against these types of lawsuits and of awarded damages is insured against with directors’ and officers’ liability insurance and professional errors and omissions.

According to Charles Tremper, Executive Director of the Nonprofit Risk Management Center, the surest strategy to avoid being sued is to avoid causing harm. This holds true for the board, the staff, and the volunteers involved in your organization.

Why do I need insurance?

What types of insurance and how much coverage to purchase for your CHDO are important management decisions. The business environment is constantly changing, and your managers must take the time to understand the risks your organization faces and choose how to manage them. This chapter briefly explains the types of insurance that are available, suggests ways to minimize your risk, discusses insurance companies, and gives a few pointers on how to administer your insurance program.

Not-for-profit organizations, like any other legal entity, need insurance coverage. While your organization needs to have insurance for a variety of possible occurrences, it should also take the time to plan and implement procedures that will reduce the chance that it will need to take advantage of that insurance.  For example, your CHDO should:

·                      Carry workers’ compensation insurance, but at the same time, develop an employee safety program, examine your workplace for hazards, and take the necessary steps to eliminate those hazards.

·                      Carry directors and officers (“D & O”) liability coverage, but at the same time, develop a board of directors and managers who carry out their duties responsibly.

·                      Bond your employees and board members, but at the same time, develop financial controls that minimize the chance of losing  money and the ability of employees or board members to steal from the organization.

Insurance is complicated. Use this chapter as an educational starting point. Develop a relationship with an insurance agent or broker who will take the time to educate you and help you design and implement systems and procedures that will reduce the likelihood that your organization will file a claim or defend a lawsuit.

Does your CHDO currently have liability insurance? Besides being complicated, insurance is also costly. Often, by working with one agent for all your CHDO’s insurance needs, you will be able to get package discounts on property and liability insurance. After a year or two with no claims, your good track record will translate into lower premiums or slower rate increases. For example, state unemployment insurance drops from 2.7% of payroll to 0.35% of payroll if you have no claims for 18 months. That is an 87% decrease!

Your board and staff must exercise the level of care a reasonable person would exercise to reduce the likelihood of insurance claims. As the saying goes, an ounce of prevention is worth a pound of cure.  

Money Saving Auto Insurance Tips

Everyone likes to save income as well as your vehicle word is the great place to find savings. You’re many expected compulsory by state law to lift vehicle word upon any vehicle we own as well as auto word costs can change widely.

Here have been 8 tips to assistance we begin saving income with your vehicle insurance.

1. Compare vehicle word quotes – this recommendation competence receptive to advice simple, though it is the many appropriate approach to find the many appropriate probable vehicle word rate. Get during slightest vehicle word quotes to review as well as have sure we have been comparing identical policies.
2. One approach to buy reduction costly vehicle word is to ask for the tall deductible. You will be out the many incomparable out-of-pocket responsibility in the eventuality your vehicle word process is used to cover the claim, though your reward will be almost lower. If we take your deductible up to $1000, we can design assets of 40 percent, or more.
3. If your vehicle is comparison cruise shortening the coverage of your vehicle insurance. Two sorts of coverage to consider about have been incident as wellas extensive vehicle insurance. A great order of ride is to dump nonessential coverage for any vehicle value reduction than 10 times the cost of coverage. In the eventuality we have the explain for an comparison car, the volume we embrace competence be reduction than your vehicle word premiums.
4. Your vehicle has the vital stroke upon the cost of your vehicle insurance. For example, the sports vehicle is starting to be many some-more costly to protection than the family sedan. When we have been selling the car, take the vehicle word costs in to account. Safety facilities similar to air bags, vehicle alarms as well as anti-lock brakes can all assistance revoke the cost of vehicle insurance. Other factors which start your vehicle word premiums embody the plaque cost of the car, the reserve rating, how many it costs to correct as well as how expected the vehicle is to be stolen.
5. This tip unequivocally shows how selling around as well as comparing vehicle word can compensate off – if we don’t expostulate really many we competence wish to find an vehicle word organisation which offers the low-mileage discount.
6. Another approach to get the revoke vehicle word reward is to buy your vehicle word from the same organisation where we lift alternative sorts of insurance, such as home insurance.
7. Save income by being the great citizen. Really. Keeping the great credit rating as well as the great pushing jot down can revoke your vehicle word costs.
8. Find out if we have been means to buy vehicle word with the organisation devise during your work or by the organisation similar to the veteran association. Group skeleton can suggest really vast discounts upon many sorts of insurance, together with vehicle insurance.

Auto Insurance Tips That Work and Save You Money

You can mostly significantly revoke your automobile word coverage costs by receiving worth of discounts offering by insurers. Discounts have been accessible to drivers who appear similar to improved risks to word companies. Look for a following sorts of discounts when pricing your word needs:
Shop Around. The disproportion in cost in between assorted companies can be significant.
Buy a revoke form car. Cars have been rated upon a risk scale for automobile word purposes. In general, sports cars as well as alternative high-performance, adorned vehicles have been personal as aloft risks since they have been usual targets for thieves as well as vandals.

Consider Third Party Only coverage. A third celebration customarily word routine is a smallest volume of coverage legally mandatory – it is additionally a cheapest.
Increase your deductible. Raising a deductible upon your automobile word can infrequently be a great approach to cut a cost of a policy. Sometimes we can revoke your annual reward by 10 percent or more.
Insure. Put all your cars as well as might be even your home with same association to get discounts.
School. If in school, get great grades.  Take a driver’s preparation course.
Buy a automobile with reserve equipment.  Air bags, involuntary chair belts, as well as antilock brakes.
Keep your mileage low. The rebate we drive, a rebate risk we have of being in an accident, a revoke your premiums.
Drive safely. A great pushing jot down is your many profitable cost slicing opportunity.
Four doorway vehicles. Cost rebate to word than dual doorway vehicles.  Tow doorway vehicles have been deliberate sports cars.
Try as well as stay explain free. The greatest cause inspiring a cost of your automobile word reward is how many No Claims Bonus Years we have. Full No Claims Bonus is in all deliberate by many companies to be 5 years or more, this can give we outrageous discounts.
Be picturesque about a worth of your car. Most of us have an arrogant perspective as to what a automobile is worth. When asked a worth of your automobile during a word selection process, people will mostly state an volume which is impractical as well as upon top of a genuine worth of a car.
Unnecessary declared drivers. Additional drivers upon your routine customarily meant a aloft premium. A lot of people supplement a series of one some-more drivers upon a routine usually in box which chairman needs to expostulate a car. However, carrying all these drivers will pull up a cost.
Car security. Theft of as well as from your automobile have been critical considerations when word companies work out your price. Most companies will give we a bonus for carrying improved confidence of your vehicle.
Take an modernized pushing test. Although not compulsory, receiving an modernized pushing exam can not customarily urge your pushing skills though additionally assistance to revoke your automobile word premium.
Pay your reward for a year. If during all possible, by profitable for your automobile word all in a single go, we can equivocate profitable one some-more seductiveness charges which would be combined upon if we opted to compensate by installments.
Keep your automobile in a garage. Keep your automobile in a garage. Cars parked in garages have been rebate expected to be stolen, vandalized, or struck by alternative vehicles. Using a garage to store your automobile might grant we to a slight reward reduction.
Endorsement fees? These fees can operation from $20 to $30 usually for creation any sort of shift to your existent policy, even an residence change.
Maintain a great credit rating. By gripping a great credit story we might equivocate any one some-more reward which companies supplement to your cost for carrying a bad credit score.
Buy upon a web. Many word providers right away suggest a little great discounts for shopping a routine over a internet.
Other Considerations
When purchasing automobile word or in reviewing your existent policies, there have been a little ubiquitous considerations we will wish to be wakeful of. Make certain a routine provides as most word as is necessary. Know a limit dollar volume a word association will pay. Be wakeful of your deductible amount, which is a volume we contingency compensate prior to your word association will compensate anything. Know what your responsibilities have been if an collision occurs.
Thanks for celebration of the mass this article; it should assistance with shortening your word premiums.  To review some-more upon this subject revisit a website as well as see a giveaway inform upon fifteen ways to save income upon automobile word which work.  http://www.quoteme4life.com