Potholes can pop up on roadways during any season, but why do they seem so prevalent during the first few months of the year?
When winter is ending and spring is on the horizon, the weather is constantly fluctuating between mild and freezing temperatures. Rain, snow, and ice get into smaller holes and cracks in the pavement, and as the temperature jumps back and forth from high to low, the precipitation continually freezes and thaws expanding those pavement cracks causing others to form. As cars and heavy trucks drive over them, the asphalt chips away, thus creating potholes.
Potholes, no matter how small, can wreak havoc on your entire vehicle. Here are 5 ways hitting a pothole can cause damage.
1. Steering & Suspension
Your vehicle’s suspension absorbs bumps so you can’t feel them when you drive. If you cause enough wear and tear on your suspension system, it could result in a number of problems with your steering, including: vibrations, noises when you turn, vehicle pulling to one side, etc.
2. Undercarriage
Vehicles that ride lower to the ground have a better chance of being damaged by a pothole. They can cause scratches and scrapes, that aren’t dangerous until they start to rust or leak. They can also rip off low-hanging bumpers.
3. Tires & Wheels
It’s no secret that debris from potholes can cause holes, leaks, and tears in your tire, but when you hit a pothole fast enough, it can also cause a complete tire blowout. Potholes can also damage your wheels by bending or cracking your rim. And if there is visible damage, you’ll likely have to replace the entire wheel.
4. Body & Exhaust System
Pavement debris and rocks can scratch the paint on your vehicle and cause rips and leaks in your exhaust pipes, muffler, and catalytic converter. If your exhaust pipes have been damaged, it can be a serious issue. Ripped pipes can leak exhaust fumes into the cabin of your vehicle and cause serious health issues (including death). If you hear a strange noise or lose power after hitting a pothole, there is a good chance your exhaust pipes have been damaged and you need to pull over.
5. Loss of Control
Lastly, one of the most dangerous consequences of hitting a pothole is that it could cause you to lose control of your vehicle. Losing control for even a few seconds, could not only cause damage to your vehicle, but could also be deadly for you and your passengers. That is why it is important to watch the road for potholes when you drive and try and avoid them.
Potholes are extremely dangerous for you and your vehicle, but sometimes accidents do happen.
So, what if you accidentally hit a pothole, is damage done to your vehicle covered by insurance? Typically pothole damage is covered if you have collision insurance. If you aren’t sure, call your agent and review your coverage today.
This article is furnished by California Casualty, providing auto and home insurance to educators, law enforcement officers, firefighters, and nurses. Get a quote at 1.866.704.8614 or www.calcas.com.
Was one of your New Year’s resolutions to start saving money, or to start spending a little more wisely? The best way to save money for you and your family’s future is to create a budget.
Most people cringe at the thought of sitting down and going over their finances, but budgeting doesn’t have to be scary. Even if you think you are in good financial standing you may be shocked when you sit down and go through the numbers. A budget will help you monitor your flow of money and get rid of unnecessary spending, saving you money each month, so what’s there to lose?
Here are 7 easy steps to begin setting your budget.
Step 1. Sit Down Together
Get together with your significant other to calculate the total amount of money you each have coming in each month. From there you will be able to more accurately know where you can cut spending and start saving.
Step 2. Find Out Your Essential Spending Costs
When you begin to sit through and work out your family’s budget, it’s important to start by writing out all of the essential spending your family does each month. This will include payments for your mortgage, rent, bills, insurance, auto loans, student loans, schooling, daycare, food, prescriptions, and essential groceries and clothing.
Step 3. Find Out Your Non-Essential Spending Costs
Next, you will write all costs that may not be essential, but you would like to keep putting money towards them each month. If you have any non-essential spending that you don’t use anymore this would be a good time to start cutting that spending out to help you save. Non-essential monthly spending could include just about anything, like streaming services- Netflix, Hulu, Spotify, or Disney +, etc., subscription and other services like Amazon Prime, Adobe Creative Suite, Dollar Shave Club, Stitch Fix, etc. It could also include any club or gym memberships, extracurriculars, etc.
Step 4. Set Aside Extra Cash to Pay off Debts
By paying off your debts more quickly you can get yourself in better financial standing for the future. To do this start, use the money that is left that you have calculated from your essential and non-essential spending, and start by paying a little above the average monthly payment on your credit cards. Do this every month until you get the balance low enough to completely pay them off. It doesn’t have to be much, a few extra dollars here and there will still get you closer to paying debt off than the minimum payment. You can also do this with your other loans, like your car or home, as well. You can either do this with multiple debts or choose one debt to pay off at a time; it depends on you and your preference and financial situation.
Step 5. Set a Limit for Extra Spending
Setting Limits may be hard at first, but when you sit down and calculate your average cost at the grocery store or your weekly retail therapy, you may find out that you are overspending. Set a reasonable limit for yourself when you go shopping, one that fits into your budget, and stick to it. Bye overspending.
Step 6. Leave Yourself Some Room
A common mistake in budgeting is not leaving room for events that take place throughout the year like, Holidays, Birthdays, Weddings, Back to School, Baby Showers, etc. If you have an event coming up, know to keep a little bit of extra money out to put it towards. Even if the event is your family going out to eat once a month, remember to leave yourself some room. One of the best ways to do this without overspending is to take out a cash deposit and put it in an envelope to use on that date. That way it is out of your account, you have a spending limit, and the rest can go towards your savings.
Step 7. Determine How Much You Can Save
Once you have all of your spending calculated, you can then determine how much you can save each month. Assuming that some of your payment already goes into your 401k, it’s important to also contribute a personal savings account every month or every paycheck. Think of your personal savings account as a nest-egg for you and your family in case of emergencies. It is wise to contribute enough money into this account until you have reached an amount that could support your family’s essential needs for at least 6 months. Do not pull out of this account.
If you would like to start a savings account that you want to attribute money towards each month for additional life events like college, home-ownership, your own wedding, engagement rings, renovations, family trips, vacations, etc. open a new account, a new one that doesn’t include the nest-egg savings you have built, and start contributing what you can until you have reached your goal.
BONUS TIP: Track Your Spending
To stay on track is to monitor your spending. You should track every dollar moving in and out of your account. There are hundreds of budgeting apps that can help you, or you could just make it a point to look at your online banking at the end of each day. Tracking all of the cash flow in real-time will help you cut out costs that aren’t necessary or that you may not use as often as you think you do. This will also help you monitor your account for any suspicious purchases or accidental charges.
Budgeting doesn’t have to be scary, and if you get the math wrong on your first month that’s okay. Fix some spending/saving and try again, and don’t be afraid to make adjustments where they are needed. It’s your money, find whatever works for you and your family.
Happy budgeting!
This article is furnished by California Casualty, providing auto and home insurance to educators, law enforcement officers, firefighters, and nurses. Get a quote at 1.866.704.8614 or www.calcas.com.
As 2020 comes to a close, so does a great career for Debbie Hunter-Ellis AVP- Customer Service Manager. Debbie celebrated her 40th anniversary with California Casualty in July and at the end of this year will celebrate her much-deserved retirement.
We recently had the pleasure to (virtually) sit down with Debbie and discuss her life and her career at California Casualty. Here’s what she told us:
“I was born in Natchitoches, Louisiana home to the 1989 hit movie “Steel Magnolias”. I was raised in a military family and lived most of my life in Northern California.San Jose State University, home of the Spartans, is my alma mater. I graduated with a BA degree in Business Management. During college, I worked in the Career Center where I was responsible for organizing the on-campus interviews for graduates seeking employment with corporations in the Silicon Valley and Bay area region. This is where I came across California Casualty, who was recruiting college graduates. The family-owned business and their willingness to hire and train graduates fresh out of school was an attractive attribute.”
Debbie applied and soon started off as a Customer Service Representative in San Jose, where she learned about automobile and home insurance, and how to service customers on their policies.
After eight years in her Customer Service role, she was promoted to Customer Service Supervisor which quickly transitioned to a Customer Service Team Manager. At that time, she moved with California Casualty and had the honor to take part in the opening of our Colorado Springs Service Center.
Debbie said, “The opening of the Service Center was a rewarding experience. As a Customer Service Team Manager, I contributed to the development of processes and procedures, recruiting, guiding, and developing employees while meeting the customer and the company expectations.”Debbie managed a team of 10 – 15 Customer Care Specialist for over 20 years. And each year her team excelled at providing quality customer experience to California Casualty’s affinity group members. “The Customer Service Team Manager position is where I established a solid foundation for continuous learning and leadership development.” she said, “Furthermore; this provided the opportunity for the Customer Service Department Manager where I have been in this leadership role for the past 7 years.”
It’s a very great and rare occurrence when an employee reaches a milestone as great as their 40-year mark. When asked about her past four decades with California Casualty, she said, “I have seen and experienced a lot of positive change during the past 40 years. We have really achieved great heights! It is rare to say you have only worked for one company in your career. I’m humbled and grateful for the amazing opportunity and experience with California Casualty.”
Debbie said she will miss the unique culture that has developed over the years, but the strong relationships and the day-to-day interactions with the Customer Service Management Team and employees will never be forgotten.
And the Customer Service Department will never forget the impact Debbie has had on them. Debbie’s friends and peers, Vice President of Customer Service, Daphne Pavone, and Senior Customer Service and Agency Services Team Manager, Bianca Odom, had a few parting words they wanted to say to, and on behalf of, Debbie as she gets closer to her well-deserved retirement day.
“Debbie Hunter-Ellis is a wonderful person and an amazing co-worker. She cares about her colleagues and has spent her career focused on delivering quality customer service and developing her people. Debbie’s calm and professional demeanor makes her a natural ‘go-to’ for an additional and balanced perspective. I consider Debbie a colleague and a friend. Thank you, Debbie, it has been a true joy working with you! I wish you all of the best in this new chapter of life. -Daphne”
“Ever since I joined the Customer Service Team, Debbie has been a great mentor and friend. She has always been a leader that has demonstrated good judgment and sets an example for others to follow as she is hard-working, fair, honest, dependable, and understanding. I appreciate Debbie more than I could ever express and I’m sad to see her go; although I’m also very excited for this next step in her life. Congratulations Debbie! We will miss you! –Bianca”
In retirement, Debbie plans to spend her days traveling, enjoying outdoor activities, and exploring creative endeavors.
Enjoy every second of it, Debbie, you’ve earned it! We will all miss you and wish you the best. You’ll always be a part of the CalCas family; thank you for 40 years.
Every year, Impact Teen Drivers and California Casualty offer enrolled students, ages 14 to 22, the opportunity to win prizes for their original works (creative writing, video, graphic design, or music) showcasing creative solutions for preventing the #1 killer of their peers –reckless and distracted driving.
Distracted driving is anything that takes a driver’s eyes off the road, hands off the wheel, mind off driving, or keeps ears from being alert to surroundings. Commonly referred to as accidents, these crashes are actually 100% preventable.
The Create Real Impactcontest is a proactive movement to reduce poor decision making and inattentive driving by 16 to 19-year-olds that has become an epidemic. Empowering messages from young people urging their peers to adopt safer driving attitudes and avoid the tragic result of bad choices behind-the-wheel can save lives.
The Fall 2020 Create Real Impact contest winners were recently selected.
Prizes are awarded by a panel of qualified judges based on the following weighted criteria: 25% concept/creativity; 25% execution of the idea; 50% effectiveness of the message emphasizing solution(s).
The following students will receive $1,500 Grand Prize educational grants for their entries:
Jessie M., Sunbury, PA, in the music category for the work titled, “Some Things Change”
Alec B., Aptos, CA, for a graphic design submission titled, “It’s the mindset”
The 2021 Create Real Impact contest will kick off in January. Entries will be taken at www.createrealimpact.com. For more information on how to get schools and students involved, please contact info@impactteendrivers.org.
About Impact Teen Drivers
Impact Teen Drivers was founded in mid-2007 by the California Association of Highway Patrolmen, California Casualty, and the California Teachers Association. The organization has emerged as a leading non-profit organization dedicated to reversing the pervasive yet 100% preventable crisis of teens killed in car crashes. ITD’s mission is to develop, promote, and facilitate evidence-based education and strategies to save lives and reduce injuries and fatalities caused by reckless and distracted driving. To learn more visit www.ImpactTeenDrivers.org or send an email to info@impactteendrivers.org
This article is furnished by California Casualty. We specialize in providing auto and home insurance to educators, law enforcement officers, firefighters, and nurses. Get a quote at 1.866.704.8614 or www.calcas.com.
Reducing your home energy usage is good for several reasons. First and foremost, it keeps money in your pocket. But it also lightens the load on local power grids and the environment — a win-win all around.
Try some or all of the 12 steps below to save on your energy bill while staying cozy and comfortable in your home. They’re easier than you think!
1.Let the Light Shine In
Use the sun’s heat (bonus: it’s free!) to your advantage! Open curtains and blinds on your south-facing windows during the day to let the heat in and then close them at sunset to keep it in.
2. Leak-Proof Your Home
Inspect your home for leaks (get tips from energy.gov on detecting air leaks here). Often invisible, leaks can wreak havoc on your energy bill. Use weather stripping and caulking to seal leaks and keep warm air inside. While you’re at it, insulate your ducts, which can be a significant source of heat loss.For windows that you rarely use during winter, get plastic window kits to further leak-proof.
3. Bump the Temp Down
Just by setting your thermostat a few degrees lower, you can immediately begin saving. Consider installing a programmable thermostat for even more time- and energy-efficiency.
4. Pay Attention to Your Water Heater
Water heaters account for about 17 percent of a home’s energy use – adding up to about $400-600 per year for the average household. Bring that down by:
using less hot water
setting your water heater’s thermostat to 120 degrees F.
buying an energy star model when it comes time to replace it
fixing leaks
washing clothes in cold water
installing low-flow showerheads and faucets
5. Check the Fireplace
When not burning a fire, keep the damper closed. Consider installing tempered glass doors and an air exchange system that blows warm air back into the room. Check the seal on the flue damper and make sure it’s tightly sealed. Finally, add caulking around the hearth. If you never use your fireplace, plug and seal the flue.
6. Maintain Your Heating System
Have a professional check and tune-up your heat pump or furnace once a year. This could lead to big savings. Make sure they also replace any clogged filters, which can make your furnace work harder, thereby raising energy costs (you can also check and replace filters yourself).
7. Close Unused Vents
In rooms that are rarely used, fully or partially close the vents to redirect heat to other rooms.
8. Use Ceiling Fans
Everyone knows heat rises, which means the air you’ve paid to heat rises and collects at the tops of rooms. This can be especially costly in homes that have high ceilings. Use your ceiling fans to push warm air downward – just make sure they’re set to run in a clockwise direction.
9. Check Your Insulation
If your attic doesn’t have at least 11 inches of insulation, you’ll most likely lose heat through the upper level of your home.
10. Recycle That Hot Air
After cooking, leave the oven door open a crack to let the heat help warm the house. Bonus? You get to savor the delicious smell of those cookies, baked goods, or dinner a little longer.
11. Space Heaters
Portable heaters are a good cost-saving option if you and your family are hanging out in one room for any length of time, or if you’re the only one home and are stationary (like working in a home office). But remember to use caution whenever using space heaters – according to the Consumer Product Safety Commission, these heaters cause more than 25,000 residential fires per year. Follow the heater instructions carefully and always unplug them when not in use.
12. Bundle Up
Sweaters, socks, and cozy blankets really do make a difference.
By making a few tweaks in your home and modifying some behaviors, you’ll begin to see cost and energy savings in no time.
And as we transition from winter to spring and summer, check out our companion piece on lowering your cooling costs.
This article is furnished by California Casualty, providing auto and home insurance to educators, law enforcement officers, firefighters, and nurses. Get a quote at 1.866.704.8614 or www.calcas.com.
This afternoon Arlene Brown, California Casualty RUS Analyst, reaches a milestone in her career, that few ever see in their lifetime, as she celebrates her 50th anniversary as a full-time employee.
In recognition of this incredible achievement, Joe Volponi, President and CEO of California Casualty, honored Arlene in an email sent to all CalCas employees telling Arlene’s career story and highlighting the significant impact she has made at CalCas within her 50 years. Read an excerpt below.
“It is not often in this company (maybe never) that an employee reaches 50 years of service as a full-time employee. Arlene Brown will reach that incredible milestone and a well-deserved retirement on September 8th.
She started as a Coder, working with Assigned Risk paper files. She quickly progressed to become the Auto Coding Assistant Supervisor in charge of Assigned Risk and was given the nickname “Queen of Assigned Risk.” She worked with both agents, and customers, often remembering their names and policy numbers from year to year! Those were the days when every detail had to be transferred to a grid, which a keypunch operator entered. Rating was done by hand and with a 10 key calculator spitting out the answers on paper tape. Her other daily tool was a pro-rata wheel, a few relics of which still survive today, although they remain a mystery to those familiar with more modern devices.
Arlene’s reputation for accuracy followed her throughout her career. She was a strong underwriter who was frequently overheard teaching sales reps how to find the answer to their question in the underwriting manual (a large binder with hundreds of pages). Online reference tools didn’t exist back then, so it was a manual process. She didn’t just want to give an answer, but rather help them understand where to find the answer for next time.
Similar to the Guidewire conversion we are going through today, the company as gone through several system conversions in the span of 50 years. One such conversion to the Policy Management System (PMS), as part of that effort, she ultimately wrote much of the PMS manual that defined each field of entry into PMS. The effort of proofreading draft procedures for accuracy and consistency became known as “Arlene-a-sizing”.
Arlene was a founding member of the QAD team, a group formed to improve quality assurance of PMS (Series 2) entries. As things evolved, she was a natural to become part of the RUS team, when it was formed to oversee the automation of rating, underwriting, and system processing. She became an expert in writing QMF queries, and could apply them against different generations of the system since she was one of the few that had worked in all the different systems!
Aside from all her accomplishments on the insurance side of the business, she was a tireless worker on the In-Club committees that coordinated many employee events over the years. In addition to coordinating the details for these events, she put together photo albums to commemorate them.
Arlene considered California Casualty her family, and did everything in her power to bring success. In her half-century here, she’s touched many people in a variety of ways. People like her have made this company successful.”
Arlene’s successful career is full of many achievements, but one of her favorite memories in her time with CalCas is winning the well-deserved Carl G. Brown, Jr. Award of Excellence, which is an employee-nominated award given annually to an employee whose sustained excellent contribution to the company is matched by a substantial contribution to his or her community.
When asked what the secret is to her 50-year career, she says, “It’s true what ‘they’ say about loving what you do – the time just flies. When you love your job it leads to honing your skills, seeing opportunities to improve things (processes), and finding the needles in haystacks to resolve system/policy problems. That being said, I couldn’t do the job I’ve done without the support of my work family.”
And we couldn’t do it without you, Arlene. Congratulations, and thank you for all you have done for California Casualty. You have helped turn us into the company we are today. Your presence in the office will be missed each and every day. Have a great retirement!
As 2020 comes to a close, so does a great career for Debbie Hunter-Ellis AVP- Customer Service Manager. Debbie celebrated her 40th anniversary with California Casualty in July and at the end of this year will celebrate her much-deserved retirement.
This afternoon Arlene Brown, California Casualty RUS Analyst, reaches a milestone in her career, that few ever see in their lifetime, as she celebrates her 50th anniversary as a full-time employee.