9 months ago ·
by Donna ·
Warm weather means boating enthusiast will be flocking to area lakes, rivers, and waterways. Millions of people enjoy recreational boating every year in America. Unfortunately, there are also thousands of accidents that occur annually that cause thousands of injuries, hundreds of deaths, and millions of dollars in property damage.
Don’t let your fun day on the water result in tragedy. Take steps to ensure safety before the season even begins.
Make sure there are enough U.S. Coast Guard approved life jackets for every passenger on the boat to have one. Children will need appropriate sized life jackets. The majority of deaths involving boats are due to drowning and the majority of those drownings happen because the victims are not wearing life jackets.
If you are not an experienced boater, take a CPR class and a boater’s safety course. If your vessel has combustion engines or onboard motor generators, learn or review the dangers concerning carbon monoxide.
Before launching or setting sail, equip a tool box specifically with tools you might need for minor fixes on your boat. Also keep a first aid kit onboard at all times, and have a storm plan of action that will get you and your guests off of the water quickly in case of an unexpected change in the weather. Always watch a forecast and check the local weather radar before starting your trip.
On the water
There are risks that come with time spent boating. Passengers can fall out of the boat. The boat can collide with another boat, capsize, or hit unseen floating objects. Once on the water, do your part to ensure safety. Follow all of the rules of the lake or river. Do not drink alcohol. Alcohol can affect your judgement, vision, and reaction time. Ask another person on the boat to act as a spotter to help watch for stumps just under the surface of the water or floating logs. Go over hand signals with the spotter in order to avoid a failure to communicate.
Should anyone fall overboard, work quickly to help get them back on the boat. If the air temperature or water is cold, watch for hyperthermia. Help the passenger get warm and dry. During extreme heat take precaution to prevent sunburns, dehydration, and heat exhaustion.
Stay aware of the weather. If you notice dark clouds, an increase in wind speed, or a sudden drop in the temperature, play it safe and get off of the water.
In case of a hurricane
Long before hurricane season make sure your boat is insured. Study the policy to know if your boat has to be moved during a hurricane. Some insurance providers will go so far as to require boaters to submit a formal plan in writing that spells out where they will store their boat during a storm and how they intend to secure it.
If you keep your boat at a dock, marina, or storage facility you will need to check their policy regarding hurricanes to know if your boat can be kept there. Make a list of fixed items on your vessel. In the event of a storm, remove all detachable items when securing your boat. Do not forget to disconnect the battery. Do not keep important documents such as the title, registration, and insurance policy on the boat.
Practicing boaters safety will help ensure your fun days with friends and family on the water end as good memories, and can continue after the storm has passed.
9 months ago ·
by Donna ·
A fender bender can be a shocking incident, often one that happens abruptly. There is no proper way to train for a fender bender and hopefully they do not happen to you very often. However, there are a few steps that you should take after a fender bender to ensure that you are safe and everything is documented properly.
Get to a Safe Spot
The first and most important step, after having a car accident, is to make sure that your vehicle is out of danger’s way. If possible, after the accident, move your car over to the side of the road or into a parking lot. If you or the other driver cannot move your cars, try to remain in the vehicles as much as possible. Not only will this make the accident-process much easier, but it may be potentially life-saving.
Call the Police
You will want to call the police, before you leave your vehicle, to ensure that they arrive as quickly as possible. Police are trained on what to do during an accident and have a lot of experience in these situations. Not only will they provide you with help, but they will document the accident.
Check on the Other Driver(s)
After you have ensured that you and the other drivers are in safe locations, and you have called for help, you will want to check to see if the other drivers involved will need medical assistance. During this interaction, if you can, exchange information with the other drivers to ensure that you have documents for later. Often times, when you call 911, they will ask if anyone at the accident scene needs medical help so it is best to do this step while on the phone with the dispatcher.
Document the Accident
You will need to at least write down what occurred and what damages were obtained as a result of the accident. If anyone, either you or anyone else involved, was injured in the accident make sure to document that as well. You will want to get the information of any witnesses who may have seen the accident occur. If you have a camera, or a phone with a camera, then take detailed pictures of the scene, vehicles, license plates, and people involved, including witnesses. Having accurate documents will make the process, after the accident, go much smoother.
Call Your Insurance Company
Contact you insurance company’s emergency line and inform them that you have had an accident. Most dispatchers will ask you if you have taken the steps above, to make sure that you are safe. Following the accident, your agent will inform you of what steps to take so that your vehicle, and the other vehicles involved, are repaired as quickly as possible.
Leave the Scene
If everything is okay, and the accident was minor, then you will be able to drive away from the accident. All of the documentation will have been done and the proper authorities will have been notified, so you can then put your seat belt back on and safely merge back into traffic. If your car has been damaged and cannot be driven, then you will need to call a tow-truck. Many insurance companies will offer this service, but if that is not the case then a police officer can possibly help you. You can then decide if you want to travel, to a repair shop, with the tow-truck driver or have someone come to pick you up from the scene.
An accident can be scary, but knowing what steps to take can make the process much easier. After an accident it is very important to remain calm so that you can think clearly.
9 months ago ·
by Donna ·
The one thing that’s certain in life is that it will not last forever. End-of-life planning may seem like a morbid topic, but knowing that your loved ones will be provided for after your death can give you valuable peace of mind while you live your life.
Because the unthinkable can happen at any time, it’s important to be prepared. Life insurance allows you to ensure the financial security of your spouse or children regardless of where you are on your financial journey. Whether you’re just starting out on your career path or have long been retired, life insurance provides a guaranteed safety net for your beneficiaries.
Taking Care of Those You Love
If you live alone and have no one who depends on you, expect no final expenses or will leave behind no debts needing to be paid, you might not need life insurance. However, that situation describes very few people. Most individuals have people in their lives who could benefit from an insurance payment after death.
A policy could be used to provide financial care in many ways:
– It could pay for the insured’s final expenses, relieving the survivors of the costs of funeral planning.
– It could pay for the education of surviving children or grandchildren.
– It could provide financial security to a family going through a difficult period of grief.
– It could provide living expenses for a spouse who had been reliant on the deceased’s income.
The benefits of an insurance policy will depend on your individual needs. With many policy types available, you are sure to find an insurance plan that will fit the needs of your family and specific situation.
Choosing the Best Option for Your Needs
There are two primary types of life policy available through most providers: term and whole or universal. Term life policies are the most affordable option and can often cost just a few dollars a month when you are young and healthy. A term policy provides an agreed upon benefit amount upon the policyholder’s death and lasts for a specified number of years. If the insured lives beyond the policy’s term, the policy can be converted to a different type to extend coverage.
Whole and universal life policies are a form of permanent insurance. These policies last as long as premiums are paid into them and accrue cash value over time. This means that they can be borrowed against or used as investment vehicles. The monthly premiums may be higher, but some people find the investment capabilities of these policies to be worth the price.
The type of policy best suited to your needs will depend on your situation. It’s important to consider your income, lifestyle, the needs of your family and other related factors. An insurance expert can help you to understand your options so that you can make the best decision and achieve peace of mind.
10 months ago ·
by Donna ·
Carbon Monoxide poisoning is dangerous, and it kills hundreds of people annually across the United States. This silent and odorless killer is dangerous for precisely those reasons. It’s found in many locations in your home and vehicle, but it’s not easily detectable without the correct tools. If you’re worried your family might suffer from carbon monoxide poisoning, you’re worried about the right things. While chances are slim it will affect you, it could. It’s time to find out how to protect your family so you don’t become another statistic in the Cincinnati area.
10 months ago ·
by Donna ·
Sometimes insurance agents get a bad reputation. A lot of agents are seen as nothing more than a salesperson. A Salesperson who is out to get as much money as they can from you. In reality, a true insurance agent cares about you and what is in yours and your family’s best interest