Make the holidays more jolly for your wallet by taking advantage of the Holiday Skip Payment option.
Don’t let your budget impact your family moments. California Casualty helps you budget for the important things in life with the Holiday Skip Payment option. You can designate the two months you’d like to free up your money during the holidays.
California Casualty’s Holiday Skip is designed to allow you enjoy the spirit of the season with family and friends without worrying about your auto insurance payments.
If you are already a customer and would like to take advantage of this unique benefit, simply go online at www.calcas.com/payments to manage your account, or contact an advisor at 1.800.800.9410.
If you’re not a customer but would like to learn more about the skip payment option and all of the other special benefits available to Educators, Firefighters, Law Enforcement Officers and Nurses, request a quote today in the Start Your Auto Quote section on the right-hand side of this page.
Most of us would never drive after drinking, but if you’ve ever been jolted awake as your car hit the rumble strip on the side of the road or you fell asleep at a stoplight, you we engaged in as dangerous a situation as driving while impaired. It’s important that all of us understand the implications of drowsy driving as we observe Drowsy Driving Prevention Week in November.
Drowsy driving is now listed as one of the National Highway Traffic Safety Administration’s top public safety dangers behind the wheel along with drugged, drunken and distracted driving. The National Sleep Foundation has concluded that anyone who has slept less than two hours in a 24 hour period is too sleep deprived to operate a vehicle.
Here’s why; drowsy driving is estimated to be the cause each year of:
• 328,000 crashes in the U.S.
• 6,400 highway deaths
• $109 billion in costs, not counting property damage
Here are some other startling statistics:
• More than half of drowsy driving crashes involve drivers age 25 and younger
• Driving 18 hours without sleep is equal to .05 blood alcohol impairment
• As many as one-third of drivers admitted that they have fallen asleep while driving
If you’ve battled to keep awake behind the wheel, you know how dangerous it can be; much like drunk drivers, overtired drivers have proven to have:
• Slower reaction times
• Impaired judgement
• Increased risk of risk taking
• More frequent blinking/eye closure
• Deficits in cognitive performance
• Memory impairment
• Attention failure
Safety groups and the National Sleep Foundation urge you to pull over, stop and rest if you notice any of these warning signs:
• Difficulty focusing
• Frequent eye blinking
• Trouble recalling the last few miles or moments
• Repeated yawning or rubbing your eyes
• Trouble keeping your head up
• Driving across lanes or hitting a shoulder rumble strip
And, if you are a teacher, you are not immune. A Ball State University study found nearly a fourth of teachers said their classroom skills were significantly diminished and half admitted to missing work or making errors do to a serious lack of sleep. About 43 percent slept an average of six hours a night and 64 percent said they felt drowsy during the school day. Exacerbating the problem is that so many school personnel spend late nights grading papers and preparing lesson plans. The study also found that almost half of the respondents worked a second job to make ends meet.
Lack of sleep can lead to serious health issues. Those who get only six hours or less per night were more likely to have a depletion of performance with an increased risk of heart attack, stroke, diabetes, depression and obesity.
So what can you do to get more sleep? Experts say good sleep hygiene is essential:
• Try to get eight hours of sleep each night
• Avoid napping during the day
• Stop using stimulants such as caffeine, nicotine and alcohol close to bedtime
• Stay away from heavy meals close to bedtime
• Get vigorous exercise during the day and try relaxing rituals such as yoga before bedtime
• Keep the bedroom for sleep; remove the TV
• Create a good sleep environment: eliminate excess noise and light and the temperature neither too hot or cold
Remember, getting a good night’s sleep and finding more time to relax can make lead to a better classroom experience for you and your students, as well as a better person to the ones you love.
Sources for this article:
You know the look. The one you get as you’re preparing to leave the house. You glance down and see those eyes silently asking you to come along. Maybe the look is also accompanied with a small but very hopeful wag of the tail. The subtle (or sometimes not so subtle) reminder of how much your dog loves being with you. And going along for car rides.
We love our pets and do our best to make sure they live long, happy and healthy lives. So, if you’re like most and simply can’t resist letting your faithful companion join you for the ride, be sure to keep your four-legged friend safe.
Pet Passenger Safety Tips:
- Travel with Fido in a crash tested dog crate or safety harness
- Put Peaches in the backseat, away from the front airbags
- Take breaks every 2 to 3 hours to let Rover stretch and do his business
- Turn off or lock power windows so Penny can’t open or close them on her own
- Always have water on hand so Max has it when he needs it
- Don’t let Rascal sit on your lap while you’re driving
We know how much your pets mean to you. That’s why California Casualty automatically includes free Pet Injury Coverage as part of your auto insurance policy. Get a free coverage comparison today and discover why educators, firefighters, police officers and nurses trust California Casualty for their auto and home or renters insurance needs. www.calcas.com
Accidents happen. And you may know what to do, and what not to do, if you are involved in a crash.
After the screeching of tires and crunching of metal is over, the first thing is to make sure everyone is okay. Then it’s time to deal with the other driver, see if there are any witnesses, and exchange information – but you are rattled, upset and maybe not thinking clearly. Here are key things that you should do:
- Get the name, phone number and insurance policy number of the other driver(s)
- Get the license plate numbers, year, make and model of the other vehicle(s)
- If possible, take pictures that not only show the damage but the position of the vehicles – what lanes they are in, etc.
- Get names and contact information of any witnesses
- Be observant of the actions of the others involved
- Call the nearest law enforcement agency and make a report
- Contact your insurance company as soon as possible
Things you shouldn’t do:
- Don’t admit fault or apologize
- Don’t lose control of your emotions
- Don’t let the other party take a picture of your driver’s license (the National Association of Insurance Commissioners warns that information can be used by identity thieves)
- Don’t leave the scene before you exchange information
- Don’t accept money from the other party to avoid reporting the crash to insurance
While you must report all accidents to your insurance company, law enforcement may not need to be called for a minor non-injury collision. Just be sure to obtain all the pertinent information and file a report.
The National Association of Insurance Commissioners has produced a Wreck Check safety pamphlet that every driver should carry. You can find a link from the California Casualty Resource Page, www.calcas.com/resources.
There are a few other important things our adjusters want people to know:
- Many people fail to get the correct contact information and license plate of the other vehicle(s) involved
- Many fail to give their best contact number or email to help speed up their claim
- Make sure to report any hit-and-run crashes to the police and give as much information as possible