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Are You Covered?
  • Don’t Be Fooled: The Auto Insurance Minimums in Your State Probably Aren’t Enough
    There are a wide variety of April Fool’s Day jokes out there but one thing you should avoid falling for is being told that carrying the state mandated minimum coverage is adequate insurance protection. 
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    Across the country car and bike share programs are gaining in popularity as a way to ease congested traffic patterns in urban areas while at the same time providing more flexible transportation alternatives to public transit. These programs are a great alternative for urban dwellers and college students who may not own a car or bike but occasionally need one to run errands, or to use as an alternate means of commuting. But how does your insurance work with these types of bike and car share programs?
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    If you’re in the market for a new car, depending on what type of vehicle you’re looking for, President’s Day Weekend may be the time to find it. But whether you’re buying your first car or trading in for a “Presidential” upgrade, it’s important to keep in mind a few things about auto insurance when shopping for a new car.
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  • Driving in Snow? Go Nice and Slow!
    When staying home is not an option and you must brave winter roads, your Trusted Choice® agent advises you to remember the ageless moral of the tortoise and hare: Slow and steady wins the race.
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    On Monday night, millions of people will ring in the New Year with friends, family, and loved ones. However, amidst all the festivities, toasts, and celebrating, safety can quickly take a backseat to a good time – especially when alcohol is added to the mix.
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    Uninsured or underinsured motorist coverage (referred to as UM or UIM, respectively), is a unique form of auto insurance in that it gives drivers an added opportunity to protect themselves from “out there”—specifically, all those people driving with little or no auto liability insurance.
  • Rental Car Insurance:  To Buy or Not to Buy?
    As the holiday season approaches, millions of Americans will take to the roads to visit family and friends. Since many will make the trip in a rented car, it’s an appropriate time to discuss one of the most frequently asked questions of agents and brokers all over the country: “Should I buy the insurance from the rental car company?”
  • Is a GPS Covered by an Auto Policy?
    Some may view them as science fiction gone wild. Others see them as indispensable, possibly life-saving tools. Regardless of your feelings about Global Positioning Systems (GPS), they continue to occupy the dashboards of millions of U.S. vehicles each year. The pervasiveness and expense of the technology has drivers asking if their GPS systems are covered by auto insurance.
  • Transporting Kids to School Events
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  • First Car, First Insurance Question: Does My Teen Driver Need Their Own Policy?
    How to insure a teenager’s car has got to be one of the most common questions Trusted Choice ® independent insurance agents get asked year after year. Here are a few things to consider when deciding whether your teen should have their own policy.
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    Here are five subjects you’ll want to cover with your teenager when it comes to driving.
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    Everyone knows “that guy” whom you wouldn’t trust behind the wheel of your car, even in a matter of life and death. For the truly unfortunate, “that guy” is a member of your household—and looks not only to your vehicles as a source of transportation but also to your auto insurance as a source for coverage.
  • Auto Insurance Goes to the Dogs
    Many auto insurers are now offering more than collision and liability coverage for motorists – they’re also providing protection for their furry friends, too.
Driving in Snow? Go Nice and Slow!
winter-driving.jpg

When staying home is not an option and you must brave winter roads, your Trusted Choice® independent insurance agent advises you to remember the ageless moral of the tortoise and hare: Slow and easy wins the race.
 
From snow blizzards and white-outs to the dreaded black ice, the hazards of winter roadways must be negotiated carefully if you and your vehicle are to arrive at your destination safely. Even with the use of de-icing agents and sand, your chances of slip, sliding away into a ditch, barrier or other car are great. Beyond keeping your vehicle in top winterized condition, caution is the rule of the winter road.
 
Here are a few helpful winter safe driving tips direct from the experts at AAA:
 
  • Accelerate and decelerate slowly. To regain traction and avoid skids, apply the gas slowly. And remember that it takes longer to slow down on icy roads, so allow extra time to brake before a stop.
  • Drive slowly. Everything takes longer on snow-covered roads, including accelerating, stopping, and turning. Allow extra driving time. Driving slowly also gives you time to maneuver.
  • The safest following distance on normal dry pavement is three to four seconds. On ice or snow, allow eight to 10 seconds of following time. You need the increased margin of safety in order to provide the longer stopping distances required on ice and snow.
  • Know your brakes. Threshold braking is the best way to stop, regardless of the type of brakes on your vehicle. Keep the heel of your foot on the floor and use the ball of your foot to apply firm, steady pressure on the brake pedal. If a wheel locks, release the brake and reapply.
  • Don’t stop if you can avoid it. On slippery roads, it’s much easier to accelerate while the car is still rolling than to start moving from a full stop. If you can slow down enough to keep rolling until a traffic light changes, do it.
  • Don’t power up hills. Applying extra gas on a slippery hill will cause your wheels to spin. Increase speed before you reach the hill, and let that energy carry you to the top. If possible, allow the car in front of you to crest a steep incline before attempting it yourself.
  • Never stop while going up a hill. Starting from a full stop on a hill can be impossible.  As you reach the crest of the hill, reduce your speed and proceed downhill as slowly as possible.

If you can, stay home and watch the snow from indoors. Even if you drive well in the snow, others on the road may not.

 

 

 

Sources:

 

http://exchange.aaa.com/safety/roadway-safety/winter-driving-tips/
 
http://exchange.aaa.com/wp-content/uploads/2012/09/How-To-Go-On-Ice-and-Snow.pdf
 
http://www.ops.fhwa.dot.gov/weather/weather_events/snow_ice.htm
 
http://www.drivingfast.net/track/threshold-braking.htm#.UM5NAXfWbyY

 

 

 

Winter Roads Nothing to Sing About
 
Folk may sing, “Let it snow, let it snow, let it snow!” but drivers are safer when the sun is shining, the roads are dry, and they’re only dreaming of snow along with  Bing Crosby in the holiday classic, “White Christmas.”
 
According to the Federal Highway Administration, weather-related accidents cause most injuries and fatalities on our highways, with snow and icy conditions a significant contributor:  
 
• More than 70% of our roads are located in snowy regions (more than five inches of snow annually).
• Nearly 70% of the U.S. population lives in these areas.
• Snowy or slushy pavement leads to an average 30% to 40% reduction in vehicle speed, decreased visibility, reduced road capacity and increased travel time delay.
• Nearly a quarter of weather-related accidents (24%) occur on snowy, slushy or icy pavement, resulting in more than 1,300 fatalities and 116,800 injuries.
• Of those accidents, 15% occur during snowfall and sleet, resulting in nearly 900 fatalities and nearly 76,000 injuries.

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127 South Peyton Street
Alexandria, VA 22314
Phone: 800.221.7917
Fax: 703.683.7556
Email: Trusted.Choice@iiaba.net