Life Happens 365 - Are You Managing the Risk?

By Diane Tait Image courtesy pexels Last week I showed you everything you needed to know about accidents involving parked vehicles.   As with all car crashes, before an insurance company will pay to repair your vehicle or cover the medical expenses of anyone injured, it must determine who’s at fault.   In the case of hitting a parked car, determining who’s the at-fault driver isn’t all that difficult, unless the careless motorist who hit your vehicle flees the scene.   In the case of a crash involving two or more vehicles, it isn’t always so cut and dried when it comes to determining fault, as you will see below.

By Diane Tait Image courtesy Pixabay If you’ve ever parked your car on the street or in a parking lot only to come back to find that there’s a big dent in it, then you know the frustration of a vehicular hit and run.   Most motorists know that whenever their car is involved in an accident, fault is assessed on the offending driver.   The problem is when the offending driver drives away without so much as an apology, let alone taking responsibility for the damage done, the question is, what comes next?    

Summer Savings from A & B Insurance A & B Insurance knows you’re going places this summer!  Before you hit the road, pack these super summer savings tips! 1. Make sure your ride is ready – a well-maintained car (correctly filled oil, clean air filter, properly inflated tires) can coax more miles from your fuel tank. 2. Are your schedule and route the best?  Avoid heavy traffic by motoring during off-peak times.  Construction delays mean gas-guzzling stop-and-go.  Be ready with a “Plan B” alternate route. 3. Keeping cool #1: That air conditioner uses gas, but opening windows at highway speeds hurt fuel efficiency even more.  Roll ‘em down at lower speeds, then hit the AC on the highway.  4. Excess weight means reduced MPG; carrying an extra 100 pounds is like paying 3 cents more per gallon. Lose that junk in the trunk and save room for that vacation souvenir. 5. Keeping cool #2: When you can, park in the shade– a swelteri...

By Diane Tait Florida tornado damage image courtesy USAF Even if you don’t live in Kansas, tornadoes occur with frightening regularity.   Believe it or not, Kansas isn’t the state with the most twisters per annum.   Texas leads the nation, with Kansas in the number two slot followed by the Sunshine State of Florida, which is where I live.   That’s right, Dorothy, Florida on average gets more tornadoes than Oklahoma, Nebraska and Colorado, even though it’s nowhere near Tornado Alley.   That’s simply because when the sun isn’t shining in the Sunshine State, we get lots and lots of thunderstorms and hurricanes which can spawn tornadoes.   But that’s hardly unique.   Unless you live in Alaska, there’s always the possibility of a tornado visiting your state.   Should a twister come roaring down your street, the chance for catastrophic damage to your property is extreme.   The question is whether your homeowner’s policy will cover all the dama...

By Diane Tait Image courtesy flickr If you’re like most Americans, COVID-19 is still cramping your style more than a month after the pandemic begun.   That means you’re spending a lot more time at home since there’s precious little to do.   Instead of whiling away the time watching TV, I’ve got a better idea.   Why not take the time to organize your garage?   Intended to house a car or two, the garage in most homes has become the catchall area used to store everything from household chemicals and tools, to disused furniture and toys.   If your garage has denigrated into little more than a household warehouse that’s chock full of junk, now is the time to roll up your sleeves and clear it out.