by California Casualty | Auto Insurance Info, Helpful Tips, Safety, Travel |
The car ahead suddenly collides with another vehicle, forcing you to brake hard to avoid the crash. Your heart races, adrenaline kicks in, and as the dust settles, you realize you’re not just a passerby—you’re a witness. But what happens next? Knowing your role in that critical moment can make all the difference.
While it’s not a legal requirement to stop at the scene of an accident, many people do. As a witness, you’re often the first to arrive and can play a crucial role in calling for help. You may also provide key information that helps clarify what happened and determine liability. If you witness an accident, here are the steps to follow.
Find a place on the side of the road near the accident that is about 100 feet away. Stay
away from broken glass, leaked fuel, downed power lines, and other hazards. You don’t want to put yourself or your car in danger. Once you’ve parked, shut off your car and put on your flashers.
2. Call 9-1-1.
Don’t assume someone else is doing it—unless you see and hear them doing it. Notify the police about the accident, which can be more serious than it looks. Be prepared to give your location. Look for the nearest cross street, a mile marker, or nearest off ramp. The operator will ask how many people need help, and if they are conscious, breathing, or bleeding. Now is the time to step out of your car to check.
3. Exit safely if you can.
Only leave your vehicle if it is safe to do so. Be careful of cars whizzing by and of debris on the road, including broken glass and twisted metal. Be aware of smoke, odd smells or fluids that could signal a potential fire danger. Your safety is your priority.
4. Offer comfort and, if needed, first aid.
Approach the vehicles with the accident victims. Ask if they are okay. Let them know that first responders are on their way. Importantly, do not move an injured individual unless there is an immediate danger of fire. You can bind wounds and stanch bleeding; ask the 9-1-1 operator for direction if you’re unsure.
5. Stabilize the scene.
Make sure all vehicles are in park and turned off. If cars are still on, and fuel is leaking, that could cause a fire. If you need to, and if you can, move the damaged car off the road. Otherwise, set up warning flares (only if there are no fuel leaks) or traffic triangles. You can keep these in your trunk for just this purpose.
6. Document the accident.
The victims may not be able to take photos of the crash. Go ahead and do so and add notes so you will remember what happened. Get contact information so you can get the pictures to the people involved in the accident. Pay special attention if it was a hit and run. Any details you remember could help police track down that car.
7. Talk to the police.
When the police arrive on the scene, they will want to talk with you. Simply share the facts. Don’t speculate on fault if you are unsure who caused the accident. Do not feel pressured to answer every question and do not guess at the answers. “I’m not sure” and “I don’t know” are valid responses. It’s possible that you may be called to testify in a court of law. Don’t ignore a subpoena if you get one. That is against the law, and you could be fined or go to jail.
Some final thoughts…
- Witnessing any kind of accident is upsetting. Seeing a fatal accident can be traumatic. Make sure to talk to your pastor, doctor or a therapist to help process the experience.
- Did you see the accident occur or did you come by after it happened? If you didn’t see it, then you’re not a witness. You can still stop and help but let the police know that you do not have any information on the crash.
- Finally, make sure your own vehicle is protected with the right insurance. This will help add peace of mind if you should get in an accident.
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.
by California Casualty | Firefighters, Health, Helpful Tips, Peace Officers |
A first responder’s job can be stressful. The intense workloads, life-and-death decisions, and risk of personal harm, along with time away from family, can affect your emotional wellbeing. Prioritizing self-care is important to keep you feeling your best, ensuring you can continue to do what you love.
While you’re caring for others, your own self-care may not be top of mind. That’s why we’ve put together a list of things everyday heroes can do, both on the job and off.
1. Strive for work-life balance.
Set a pace that allows for breaks and time off. Limit yourself to shifts that are no longer than 12-hours. Schedule breaks during your shift and time for relaxation before or after. Practice time management. Set boundaries and learn to say no to more responsibilities if you are already maxed out.
2. Don’t work alone.
Working alone can cause added mental and physical strain. Being in it together has great mental benefits. Working as a team also opens opportunities for mentorship. Set up a buddy system so you can support one another and monitor each other’s stress and workload. Then remember to check in with each other. Your coworkers are the ones that truly understand the pressures of the job.
3. Exercise regularly.
Exercise has been shown to help you feel your best. It helps protect you both physically and mentally, boosting your immunity and improving your mood. That’s why it’s important to make stretching and movement a part of your day. Find the workout that you enjoy so that you’ll do it. The American Heart Association recommends at least 150 minutes (2.5 hours) of exercise a week.
4. Eat a healthy, balanced diet.
It may be tempting to snack on junk foods or to reach for wine or beer to relax after work. You’ll feel better if you choose healthy foods and limit alcohol. Prioritize regular meals to avoid vending machine snacks and fast food. Include a balance of lean protein, fresh fruits and vegetables, complex carbohydrates and healthy fats in your diet. Stay hydrated during your shift. Go for water rather than sugary drinks and caffeine.
5. Get enough sleep.
Sleep gives our bodies time to heal and repair. You need 6-8 hours of sleep each night. That doesn’t count lying in bed, waiting to fall asleep, or spending time scrolling on your phone. Create a consistent bedtime routine that includes shutting off electronics. A hot bath or shower can help to relax you before bed. If you’re sleeping during daytime hours due to night shift work, invest in blackout curtains to create the illusion of nighttime.
6. Practice mindfulness.
Mindfulness can help you detach from the trauma of a critical incident and focus on what needs to be done. Recognize that you are feeling stressed. Acknowledge your emotions. Release any judgment associated with them. Let go of the urge to control those feelings. Then return your focus to the present moment. Breathing and relaxation techniques also can help you to process a traumatic incident after it is done.
Pro Tip: Try a guided mediation on the way home from work. This will help you shift from fight-or-flight mode to a more relaxed state where you can interact with loved ones.
7. Laughter really is the best medicine.
Humor goes a long way to relieve tension and stress. It stimulates circulation, increases your intake of oxygen, and relaxes your muscles. It also improves your mood. Find occasions to laugh, whether it’s your favorite sitcom, a funny comic strip or video, or a humorous podcast. Keep a notebook with favorite jokes. If you share them at work, however, keep them PG. Know your audience. Remember that humor can unite a group, but it also can divide it.
8. Keep in touch.
Chances are that you’re working long hours away from home and family. Or you’re working an opposite shift from your spouse. Come up with ways that you can communicate with loved ones, and they with you. Perhaps it’s a nightly bedtime call from your child or a note in the morning left for a loved one. When family reaches out to you, keep their expectations realistic. You may not always be available.
9. Find a favorite hobby.
Hobbies provide an excellent outlet for channeling your emotions. Choose one that makes you feel fulfilled and happy. Being around animals, creating art, playing sports, camping, and reading are all hobbies that can take your mind away from work.
10. Practice gratitude and spread positivity.
We choose our attitudes. Make yours a positive one. There are many ways to be kind and foster positivity. Share a motivating experience with a colleague. Show your gratitude to an administrator or colleague. Create a gratitude wall where staff can post short notes of a job well done.
Watch for warning signs of burnout.
It’s easy to burnout with a high-stress job like yours. Know the warning signs:
- Extreme exhaustion, feeling overwhelmed
- Sadness, depression, irritability, isolation, or apathy
- Nightmares
- Using alcohol or drugs to cope
- Thoughts of suicide
- Neglecting personal hygiene
- Excessive worry, feeling constantly on guard
You don’t have to do this alone. There are supportive colleagues, friends and family members available to help. You only need to ask. You also may access resources through your employer for confidential counseling.
Remember why you became a first responder.
Helping others is a calling. Embrace the variety, the ups and downs, and know that you’re making a difference.
At California Casualty, we honor first responders with exclusive insurance benefits. We do more for the people who give more, and we thank you for your service.
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.
by California Casualty | Auto Insurance Info, Helpful Tips |
The moment you drive a new car off the lot, it begins to lose its value. This can come as quite a shock to new car owners. After all, you just spent your hard-earned money on a vehicle. Yet car depreciation is a reality. Understanding it will help anyone looking to buy, sell, or trade in a vehicle.
What exactly is car depreciation?
It’s the difference between the price you paid for your car and how much it is worth if you were to sell it.
How much do cars depreciate?
It depends a bit on the make and model of car. In general, cars lose 20% of their value in the first year, and 60% over the first five years, according to Kelley Blue Book. You can check out their 5-Year Cost to Own for details on different makes and models. You can also find a car calculator online to get an idea of depreciation for your specific vehicle.
What causes depreciation?
Most things that we buy lose value over time due to wear and tear. That’s the same with cars and trucks. Depreciation is caused by the age of the vehicle and the mileage for starters. In addition, as new models come out with redesigns and new technology, there is less demand for older vehicles. Finally, the condition of the car matters. If your car has been in an accident, or has lots of dents or rusting paint, that impacts the resell value.
Can you slow down depreciation?
While depreciation is inevitable, the good news is that you can take steps to help your car keep its value a little longer.
- Maintain your car. Since wear and tear can increase depreciation, taking care of your car helps it stay working its best. Follow the owner’s guide for recommended maintenance.
- Take care of your car’s appearance. Dents and scratches can reduce your vehicle’s value. Wash your car, repair scratches and dents, and keep it clean.
- Drive carefully. Accidents and damage – even when repaired – will impact a car’s value.
- Avoid custom modifications. While these can be fun, they may make it harder to sell your car down the line.
Here’s how to make depreciation work in your favor.
- Do you use your car for business? You can deduct your car’s depreciation on your taxes.
- Are you buying a car? You can purchase a one-year-old car that is as good as new, but you pay only about 80% of the price. Or you could choose a three-year-old vehicle where the bulk of the depreciation has occurred. Make sure to look for one with low mileage for the greatest value.
- Choose a make and model that will resell well. Some vehicles hold their value better than others. It depends on the brand’s reputation plus overall customer demand for certain models. Among the top resellers for 2024 are the Ford Bronco, the Toyota Tacoma, and the Mercedes Benz G-Class.
Other factors that will influence car depreciation include supply and demand. If there are supply chain disruptions that reduce inventory, used versions of those models could be valued at a higher rate. In addition, rising gas prices can put more fuel-efficient cars in demand. Keeping tabs on the market can help you to make informed decisions.
Insurance can also help with depreciation.
Since car loans can last five years, your new car could lose 50% of its value before you pay it off. The loan doesn’t go away even if your car is totaled or stolen. In the event of a total loss, insurance pays the current market value of your vehicle. That’s where a new car replacement policy or gap insurance could help.
New car replacement insurance gives you the money for a new vehicle of the same make and model, minus your deductible. This is typically an add-on coverage that is paired with either collision or comprehensive coverage.
Gap insurance stands for Guaranteed Asset Protection. It is also called loan/lease coverage. Gap is an optional coverage that is paired with either collision or comprehensive coverage. In a covered claim, collision or comprehensive help pay for the totaled or stolen vehicle up to its actual cash value. Gap covers the rest of the loan or lease.
Your car is one of your greatest investments. Keep it protected for added peace of mind.
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.
by California Casualty | Firefighters, Health, Helpful Tips, Peace Officers |
In the fast-paced world of first responders, every second counts. Effective time management isn’t just a skill – it’s a lifeline. We’ve put together the essential time management tips that will help you navigate multiple demands, changing priorities, and importantly, a life outside of work.
Tip #1: Plan ahead.
Look at your work schedule within the context of family and social commitments. Then create a master calendar that has everything on it at-a-glance.
- Write down your work schedule, family time, “you” time, and social commitments. Plug them into your calendar. Pro Tip: If you’re using a computer, you can color code by work and non-work time.
- The master calendar doesn’t need detail. It’s an overview for your reference.
- Note any larger projects/events that you will need to address (work or otherwise), and schedule the tasks associated with those into your calendar. This helps you break down a large commitment into smaller bite-sized tasks. Add a deadline to each task.
- Place this in a calendar that you see daily. This way you won’t overcommit or forget about meetings or tasks, and you can review and adjust as needed.
Tip #2: Set priorities.
Work can be quiet or chaotic for first responders. You’ll want to prepare, knowing that at any given moment, you might need to change course.
- Set your work goals for the week. Some people use a spreadsheet with columns for tasks, person responsible, and status.
- Organize each goal by priority: high or low. You can use color coding to provide a visual distinction.
- Use this weekly list to create a daily checklist. Put high priorities first on that list.
- Anticipate potential problems and prepare contingency plans. Schedules and commitments frequently change, so allow extra time for tasks.
Tip #3: Establish a routine.
You may not be able to control the emergencies, but you can determine how you will tackle the workload. Creating a regular routine can help.
- Start your day in a way that will energize you mentally and physically. Give yourself enough time to eat and hydrate before a shift.
- Tackle the top priority items first when you get to work.
- Leave the lower priorities for when you have extra time. That way you won’t invest too much in noncritical tasks.
- For the first week or so, keep a daily activity log. This will help you track what you’re doing. Then you can review and adjust your schedule as needed.
Tip #4: Minimize distractions at work.
It’s easy to get sidelined by distractions, from conversations in the office to emails, texts, and social media. Pay attention to the distractions that keep you from being productive, then take steps to minimize them.
- Turn off email notifications or sounds from your computer and phone.
- Set a time each day where you will check messages for a specified amount of time only. You may want to do it every hour on the hour for a 5-minute period, or if communications are less critical, then at the start, middle, and end of your shift.
- Close your door to minimize conversations, or let colleagues know that you’re unavailable for a certain time.
- Stay off the Internet so you’re not tempted to surf the web. Designate web surfing time at home.
Tip #5: Avoid multi-tasking.
It may seem as if you’re doing much more by multi-tasking, but splitting your attention between tasks is less productive. You’ll have better outcomes and feel less drained if you tackle one task at a time.
- Try the 20-minute rule. Set a timer. Tackle a task for 20 minutes. As the timer sounds, decide if you will continue for another 20 minutes or put the task down for later.
- Remove everything from your desk or screen except the work you are doing. This will help you to focus on one task.
- Don’t start on anything else until you have finished the task at hand.
- If you do want to switch gears, put away the first project and bring out the new one.
Tip #6: Remove things from your to-do list.
You don’t have to do everything even though some days it may feel like that. Remember that you are part of a team working toward the same goal, and similarly part of a family unit or friend group.
- Don’t invest time in tasks that have no long-term effects. These are naturally low priority.
- Focus your energy on tasks that you alone can accomplish and ask a team member to complete the others.
- Say no to tasks that you don’t have time for, especially last-minute requests that are low priority.
- If you can’t say no, don’t say yes immediately. Ask if you can let them know. That way you can better evaluate the commitment.
Tip #7: Be flexible.
Priorities change, things happen, and the best laid plans may have to be adjusted. Be ready, and flexible enough to make those changes.
- Schedule 50% of your day, allowing time for emergencies. If there are no emergencies, then you will get more done.
- Plan for high-priority tasks first and leave lower priority tasks for the remainder of your shift.
- Be mindful when you are going off track. Adjust priorities accordingly.
- If you’re interrupted and can’t seem to re-engage with work, tackle a lower priority task.
Tip #8: Get enough sleep.
You need to be well-rested to be the most productive. We know it may be hard to get enough sleep when working 12-hour shifts or double shifts.
- Set your thermostat to about 65 degrees for optimum sleeping temperature.
- Create a bedtime routine that does not include devices or television. Sometimes a warm shower or bath can help just prior to bed.
- Use a white noise machine or wear ear plugs to soften distracting noise.
- Use blackout shades or curtains and/or wear an eye mask.
- Try to go to bed at the same time every day even on your off days.
Tip #9: Leave work at work.
Separating work and home are essential for you to feel rested and recharged. If you’re able to manage your time effectively at work, you should be able to leave it there.
- Use your commute to decompress from work.
- Create an after-work ritual, whether it’s listening to music, watching a favorite show, changing into PJs, that signals you are done working.
- Resist the temptation to bring work home or to check emails on your days off. Know that your colleagues can handle anything that is needed.
- Take care of your mental health. Be aware of signs of post-traumatic stress disorder. Seek professional help if needed.
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.
by California Casualty | Auto Insurance Info, Helpful Tips, Safety |
We all know the basics: stop at red lights, obey the speed limit. What about laws about passing cars on the right, or restraining pets in your vehicle? We put together a list of the lesser-known traffic laws that potentially could land you in trouble if you break them. Not knowing about them – unfortunately – isn’t a defense if you get stopped.
Use your turn signal.
Most states require that you signal when you turn right or left and when you change lanes. In fact, you are supposed to signal 100 feet before you turn or move to a new lane. You could get flagged for a non-criminal moving violation if you fail to do this.
Don’t change lanes in the middle of an intersection.
In some states, it is illegal to change lanes in the middle of the intersection. You’re expected to stay in your lane as you cross through it. Even when it is legal, it might be unsafe, and you can be pulled over for that, too.
Come to a complete stop at a stop sign.
You may be tempted to pause rather than stop at a stop sign. The law clearly states that you must come to a complete stop. That means no forward momentum with the speedometer at 0. If you don’t come to a complete stop, you can be cited for running a stop sign. We suggest stopping for three seconds, which will be long enough for an observing police officer to see you have stopped. It’s also long enough for you to check for oncoming traffic, pedestrians, or road hazards.
Follow the rules at a four-way stop.
With a four-way intersection, every driver has a stop sign. That means each vehicle should come to a complete stop. The first vehicle to arrive has the right of way. If two cars arrive at the same time, the car to the right goes first. Bicycles must follow the same rules as cars at a four-way stop and yield to the vehicle who arrived first, or the one on the right. Pedestrians, however, have the right of way, and can cross before any vehicles proceed.
Know about improper passing.
In New Jersey, you cannot pass a car on the right except in special circumstances. The car must be turning left or there must be at least two lanes of traffic traveling in the same direction. In Massachusetts, Pennsylvania, New Jersey, and Illinois, it’s illegal not to move to the right if a car is trying to pass you. In some states, the far left lane is only for passing.
Restrain your pets.
We want to keep our pets safe, and there are several states that have laws on the books to make sure we do. New Jersey has a law requiring you to secure your pet in a carrier or with a seatbelt. In Hawaii, you can be fined for having your pet on your lap or rolling down the windows without restraining your pet. Maine, Connecticut, and Arizona classify pets under distracted driving.
Know when to yield.
It may be obvious that you need to yield at a yield sign. But did you also know that in many states, you must yield to pedestrians in a crosswalk? You also must yield to those who are blind and using a white cane or seeing eye dog. In a “T” intersection, where a road dead ends into another road, the car at the dead end must yield to the continuing road. Finally, if you’re making a turn onto a road, you must yield to traffic on that road.
Move over and slow down for emergency vehicles.
When you see flashing lights, it’s time to slow down and move to the side of the road. This allows for the safe passage of emergency vehicles. Every state has a Move Over law except for Washington, DC. If you don’t move over or slow down, you could be subject to a fine, license suspension, or even jail time.
Put headlights on when it’s raining.
Visibility is down when it’s raining. That’s why several states require headlights to be on anytime your wipers are in use, even in daylight. Some states only require headlights in dense fog, low visibility, and at night. In these situations, your headlights can help other drivers see you better.
Don’t tailgate.
Tailgating is considered a traffic violation. While states aren’t consistent with how they define tailgating, often such tickets are issued after a rear-end collision. If you’re alert and focused on the road, it takes you about 2 seconds to react to a roadway hazard. That means a safe following distance is at least 3 seconds or more. Use the 3-second rule as a starting point. You can measure the distance in seconds this way: Find a landmark such as a mile marker or telephone pole. Start counting once the car in front of you passes that landmark. Count slowly until your car reaches the same landmark. That is the number of seconds that you are traveling behind the vehicle in front of you.
Wear your seat belt.
Most of the country has laws for seat belts. Some states require you to wear both front and back seat belts. Others just focus on front seat belts. If you’re caught without your seatbelt, you could be subject to fines.
Know your state’s cell phone laws.
Most states require cell phone use to be hands-free, and consider texting while driving as distracted driving. However, some states go further and penalize drivers for accessing, viewing, or reading non-navigation content on phones.
Keep the minimum insurance.
Most states require drivers to carry auto insurance. The state sets the minimum amount and type. Generally, this includes bodily injury liability and property damage liability. If you have a leased car, your lender will require you to have more extensive coverage.
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.