Adverse Weather Conditions and Car Insurance in CT

While most motorists would prefer not to have to drive during bad or unsafe weather conditions sometimes it simply must be done. Whether it has to do with work, or joining family for the holidays, we often find ourselves on the road when there is potential for accidents or other hazards to occur. If this is the case, protect yourself and your loved ones by always having car insurance in ct whenever you drive a vehicle.

car insurance in ct

Avoid downed branches and power lines or other debris lying in the road. Hail, associated with thunderstorms, can hamper visibility and may even shatter windshields. While it’s best to stay home during inclement weather this may not be an option. Practice safety and caution and always keep a copy of your car insurance in ct in your glove box.


Issues that constitute unsafe conditions

Winter draws near and rain and snow are most commonly associated with being less than desirable driving weather, but there are other equally unsafe, even dangerous conditions for motorists. With sun glare comes the risk that a driver’s sight may be blinded while they are motoring along. Fog may perhaps be the most dangerous of weather conditions. A thick fog will badly impair the vision of a motorist, and the best defense when presented with this situation is to slow down.

Heavy winds can be equally hazardous, reducing steering control, causing a vehicle to swerve, and they may even topple certain vehicles, such as RV’s, campers, vehicles towing trailers, and even SUV’s and vans can be difficult to control.

Bad weather and things to avoid

Do not attempt to drive through floodwaters. The water may be deeper than it looks. It’s best to ease off the gas pedal, but don’t engage the brakes. Steer away from the swift water as soon as possible. If caught in a flash flood, get out of your car immediately and move to higher ground.

Winter storms can be quite perilous as well. Thoroughly clean ice and snow off of all windows before driving, including the hood and the trunk. Utilize snow tires and chains if available and drive slowly. Remember to ease off the accelerator when stopping. Since bridges and overpasses usually freeze first, slow down when approaching them as well. If caught in a blizzard, clear the snow away from your tail pipe.

If driving during a thunderstorm, watch for flooded roadways. Avoid downed branches and power lines or other debris lying in the road. Hail, associated with thunderstorms, can hamper visibility and may even shatter windshields. While it’s best to stay home during inclement weather this may not be an option. Practice safety and caution and always keep a copy of your car insurance in ct in your glove box.

Connecticut Car Insurance and Winter Driving Concerns

Winter is coming fast and for many areas the harsh weather has already made an impact due to major storms and this can make for dangerous driving conditions. As a motorist you need to be aware of a few common safety rules for dealing with winter driving. It’s important that you be extremely cautious while driving in adverse weather.

If you are unfortunate enough to become involved in an accident, having Connecticut car insurance will help you fix your wrecked automobile or the other car when you’re deemed at fault, as well as pay medical expenses for injuries to drivers, passengers or pedestrians. Without insurance, the burden of paying this could easily lead to financial ruin and you could quite possibly lose your home or other valuable possessions.

Winter hazards are preventable

Most people have found themselves in situations at one time or another where they were fortunate enough to avoid being involved in a collision. The more focused and better prepared you are to deal with unexpected circumstances, the better your odds of not being in an accident. Before getting behind the wheel of a car you should remember that you should never be driving while you’re fatigued as this often leads to mistakes or driving errors.

As the weather starts to get colder make certain your tires are properly inflated, keep your gas tank full, constantly look in the direction that you are going, and use your seat belt every time you get into your vehicle. In addition, avoid using your parking brake in cold, rainy and snowy weather and never use cruise control when driving on any slippery surfaces.

If driving a long distance in harsh weather and your car stalls, it’s best to stay with your vehicle, as it will provide you with temporary shelter out of the elements. It’s best to try to delay trips when extremely bad weather is expected but if you must, let friends or family know your route, destination and estimated time of arrival.

Be extra careful when accelerating, stopping and turning, as these simple procedures become much more difficult in bad weather. Stay safe by driving more slowly and if you do become involved in an accident, your Connecticut car insurance will help pay the cost for any necessary repairs.

Why You Need Good Connecticut Auto Insurance

Everyone needs insurance when driving a motor vehicle and the aim is to keep personal costs for coverage as low as possible. Increases in connecticut auto insurance costs often occur due to traffic violations and accidents, but can also be the result of a change of address, the age of the vehicle being driven, divorce (which can reduce the number of insured), or a change of vehicle type, for instance when you buy a new car.

While the cost for car insurance can be a major expense for many people, rising rates will occur in certain instances. While some of the reasons for these increases are unavoidable, here are some helpful tips to try to help reduce the cost of coverage.

Shop for rates before purchasing a new vehicle

Auto insurance is generally higher for newer model vehicles, and remember that every car has a different insurance rating. By going to the trouble of getting quotes on different models and types of vehicles prior to making a purchase, a consumer can know pretty much what type of rates to expect.

Traffic violations will likely increase your costs

The most common reason why insurance rates go up is the result of speeding, running red lights or stop signs, careless driving or any other infraction of the law. A more serious offense, like driving under the influence (DUI) will not only increase insurance costs but will create severe legal costs as well. By avoiding reckless situations you will avoid getting tickets and thereby keep your rates at a minimum.

Compare rates annually

It’s easy to renew insurance with the same carrier each and every year, but by taking the time to shop and compare rates, you may find a better rate for the same coverage from a trusted broker and the Internet makes the process so much simpler. By spending just a little time you can avoid making a bad decision resulting in higher costs.

By reviewing your current coverage you can ensure that any change that may result in a reduction of your current rate is applied. This can include things like adding a vehicle, change of address, removal of a traffic violation, or any discounts you may be eligible for.

By following these guidelines you can help keep your rates on connecticut auto insurance as low as possible and continue to do so into the future.

Protecting Your Interests and General Liability Insurance in Florida

No business owner who understands that when a liability issue arises, no matter how much money you save by not carrying the right amount of insurance, the end result is that you’ve placed your business at risk, and quite possibly your personal finances as well. General liability insurance protects your business from claims by any person or business’s claims of bodily injury, along with any associated medical costs and property damage. Your business should not be treated like a casino, because you can’t afford to take that gamble.

Unfortunately businesses are being sued all of the time for things like negligence, libel, slander, property damage, bodily injury, and copyright infringement among other things. And businesses can even be sued in instances when they’ve done nothing wrong. One of the best ways to avoid a lawsuit is to run the safest operations possible, but that still doesn’t mean that an accident or some form of negligence isn’t likely to take place. This is why smart business owners make a point of purchasing general liability insurance in Florida as soon as they are up and running.

Improve safety and reduce risk

Running a safe business is the best type of risk management practice that money can buy. Conducting safety meetings, discussing past issues and finding solutions moving forward will reduce the number of accidents and errors, which is a type of insurance you don’t necessarily have to pay for. Make sure that when an incident occurs, it is fully investigated and documented. This way, you’re likely to avoid a repeat of the issue, because generally people learn from their mistakes.

Things covered by a commercial general liability policy (CGL)

General liability insurance offers some of the broadest business insurance coverage money can buy. It may be included in a business owner’s policy (BOP) or is also available as stand-alone coverage. A few of the risks a business could face that a CGL helps to protect against are bodily injury or property damage, reputational harm, advertising errors, medical payments, and any damages to the premises you are currently occupying. You also have an option to add a business entity or other individual parties to your general liability insurance in Florida, so speak to an agent about coverage options today.

The Risks of Not Having Auto Insurance

The reason for having auto insurance in Virginia extends beyond being able to get your car fixed in the event of an accident. If you are currently driving around uninsured, you need to fix that right away.

Legal Repercussions

When you get pulled over for a routine traffic check, the officer is likely going to ask you for proof of insurance along with registration and your license. If you cannot provide proof of insurance, then a simple traffic stop is going to turn into a big headache. You may have your driving privileges revoked or face a fine.

Paying More

Several factors go into determining how much you pay every month for car insurance. If there is a significant gap from the last time you had insurance to the present, then you may end up paying a lot more than otherwise. As soon as you lose insurance, you need to acquire a new policy right away. It could end up saving you a ton in the long run.

There is no reason to accept these risks when the easy solution is to simply acquire auto insurance in Virginia. Plenty of firms are out there to assist you, so do your research to find a company that offers comprehensive coverage in the event of an accident.


Safety Training Helps Dealerships Keep Record Clean

When you want to advertise a vehicle in its best light, it’s essential to present it looking as clean and shiny as a new penny. For this reason, many showrooms have an on-site car wash facility as a cost-effective means of keeping inventory looking good inside and out at all times. However, this combination of necessity and convenience brings with it some additional risks which could trigger an auto dealership insurance claim. To reduce the associated injuries–which include everything from slips and falls to lacerations, strains, chemical burns, strains, getting hit by a moving part or injured by machinery, and even electrocution–it’s important to make safety a priority.

Have a written safety program posted and make sure workers are trained initially upon hiring and updated periodically. The program should include task-specific training that emphasizes the need for regular inspections of equipment to ensure it is in good working order, and encourage each employee to feel a sense of personal responsibility about the need to communicate any problems or unsafe conditions immediately to management.

Smaller outfits may simply use a self-service hose, buckets, and sponges to wash vehicles, but larger operations may employ a conveyor or in-bay automatic wash station. In the former, risks of injury to workers are lower because employees are only responsible for cleaning the area. In contrast, conveyor and in-bay automatic car washes have higher accident exposures from equipment operations due to the presence of elements such as high-pressure nozzles, moving parts and electricity which, combined with water, can be quite dangerous. If you also offer detailing services, which go far beyond a simple wash to clean, wax, and buff vehicles to a mirror shine, the use of a variety of powered hand tools for the job presents additional opportunities for injuries, in particular chemical burns, lacerations, and eye injuries when equipment and materials are used improperly.

Detailing brings additional accident exposures such as chemical burns, eye injuries and accidents caused by the improper use of powered hand tools.

Don’t let dangers make your operation all washed up

Call your professional insurance agent who can ensure your business has a comprehensive car dealership insurance program to cover the liability associated with washing your vehicles on-site. Call an agent today.

Running a Successful Auto Dealership Workers Comp Program

Auto dealerships have an assortment of risks that their employees face on a daily basis. To meet this challenge, many have sound, rigorous safety training programs in place, and construct stringent hiring practices aimed at reducing these risks, which can lead to lower workers compensations claims due to on-the-job injuries. Auto dealership workers comp is a serious concern. After all, a successful dealership will make workplace safety their number one goal.

Implementing high standards in safety will more likely help dealers to meet their goal of improved worker safety, as well as a reduction in the likelihood of regulatory fines associated with a multitude of safety issues, all of which can result in lower workers’ compensation premiums. Here are some tips that can help with this arduous task:

  1. Hiring and training
    Make sure the dealership’s job descriptions are current and list the responsibilities and functions for each available position. Remember to utilize best employment practices during the interview process, making sure that all questions fall within legal parameters and pertain only to the job at hand. Once hired, make sure that all new staff members are given a quality new employee orientation program that includes training on applicable safety issues.
  2. Injury prevention
    It’s important to convey that management is committed to their safety program and that all components of the program are well known throughout the dealership. Be sure that all necessary parties attend scheduled meetings and post the meeting minutes so employees can read about current safety activities at the facility. Make sure that workers attend all scheduled safety training and understand and abide by all safety policies, such as procedures for lifting heavy objects and the use of safety glasses where required.
  3. Injury management
    As part of any auto dealership workers comp program, management should be in constant contact with any injured employee to find out how the rehabilitation process is going, ensure that they make their scheduled doctor appointments, and liaison with both the healthcare provider and the insurer’s designated claims rep. This can be crucial to an employee’s speedy return to work.

Implementing a return-to-work program can assist in getting employees back to work sooner and help save medical costs. Return-to-work programs may require modifying tasks in order to accommodate injured employees, which could mean modifying an existing job, reducing the hours of an existing job or combining tasks from several jobs.


photo credit: Audi R8 Spyder V10 bij Martin Schilder (license)

Reasons to Choose the Right Auto Insurance Policy

Shopping for auto insurance can be a challenge. In fact, many people think it is more difficult than car shopping. The language of most policies can be confusing, and it is easy to pay for more coverage than you need or end up with too little coverage. To prevent this from happening, it is best to work with an agent that specializes in Orlando auto insurance. You will be glad you spent the time to select the right policy.


Protection From Risk


With the right Orlando auto insurance policy, you will be properly protected on the road. For example, if you are leasing a car, then you need more coverage than someone who owns a car that is 15 years old. Also, the type of coverage you need changes depending on how much you drive. If you drive a lot, it might be smart to protect yourself properly.


Get the Right Price


The price of your policy changes depending on how much coverage you need. Therefore, if you are paying for more coverage than you need, you are probably overspending on insurance. If you are not properly covered, it might be wise to up your insurance budget so you are better protected.


If you need help choosing the coverage that is right for you, talk to an insurance agent today. He or she can help you select the right policy at the right price.


photo credit: M. Dolly cc

Car Insurance Considerations for New Tennessee Drivers

Congratulations on your recent move to The Volunteer State! Before you pack up the pickup and hit the Great Smoky Mountains or schedule your tailgate session for the next Titans game, find out what you need to know before you obtain car insurance quotes Tennessee.


Unlike some states, auto insurance is required, at least to an extent, for all Tennessee drivers. Here’s a look at what you need, as well as what you might want to consider.


Required Coverage Levels for Tennessee Drivers



While the aforementioned coverage levels are required, you may want to consider these additional coverage options when obtaining car insurance quotes Tennessee.


Optional Coverage Options for Tennessee Drivers


  • Collision coverage – covers damages to your car that result from an accident
  • Comprehensive coverage – covers damage done by something other than an accident, such as hail or defacement
  • Uninsured motorist coverage – covers you financially in the event you have an accident with an uninsured driver
  • Medical payment coverage – assists you in the event that you need medical care following an accident
  • Rental car coverage – gets you back out on the road in the event your car needs repair after an accident


Numerous options exist for new Tennessee drivers in regards to auto insurance. Speak with an insurance professional about your specific situation to determine the best policy for you.


photo credit: kevin dooley cc

Auto Accidents and PA Auto Insurance

While no one likes to be involved in an auto accident, those having PA auto insurance on their vehicle are much better off than those without. Besides any legal ramifications, insurance will likely pay to have the car fixed up good as new, less any deductible payment required. This may also depend on who is deemed at fault for the accident.


There are two ways to receive payment for property damage; through a policy the car owner has, or through the at-fault party’s carrier. Anyone who has purchased collision coverage on their policy has ensured that their insurance company will pay for repairs.


If a driver is deemed to not be responsible for the accident occurring then their insurance company will present the claim to the insurance carrier of the person at fault for the accident. The at-fault party’s insurance coverage should pay for any repairs to the victim’s vehicle, including any deductible paid. However, PA state law only requires $5,000 in property damage coverage in a policy, which may not be enough to pay for the repairs. Anyone who decides to go this route should discuss all details with the insurance company regarding total reimbursement.


Who makes the necessary repairs to the vehicle?


The insurance company will inspect the damage so that the insured can make arrangements to fix their car. Most auto insurance companies have a “preferred provider” system for car repair. To help control costs, insurers favor certain body shops or mechanics.


The insured can then drop off their car at the body shop the insurer suggests, and thereby won’t have to haggle over the price of repairs. While the cost-cutting approach sounds great, be aware that some body shops may be pressured to cut corners by using generic or salvage parts instead of using new parts from the car’s original manufacturer. In some instances, parts may not fit as well, not be as strong, or they may rust prematurely. If a reputable mechanic confirms that the vehicle is indeed beyond repair, the insured will likely sign the title over to their PA auto insurance company in exchange for the negotiated value of the vehicle.