by California Casualty | Auto Insurance Info |
Daylight savings may not only be affecting your sleep routine, research shows that daylight savings also has a connection with a surge in fatal car crashes.
During daylight savings time in the spring our clocks “spring forward” one hour, changing the amount of light we receive at certain times of day. Now we are experiencing the sun rising later in the morning and setting later in the evening. Although it’s just an hour difference, it can really take a toll on your body. “The sudden change in clock time can disrupt your sleep pattern, leading to a decrease in total sleep time and reduced sleep quality. This sleep disruption can reduce daytime alertness,” says Dr. Kelly Carden, the president of the American Academy of Sleep Medicine.
Drowsy driving along with now making the morning commute to work in the dark, are why researchers believe the spike in car accidents happen. Let’s look further into why that is.
Drowsy Driving
Drowsy driving is a form of distracted driving – the leading cause of car accidents in the United States. It’s a dangerous combination of fatigue and sleepiness that often happens when the driver has not gotten enough sleep, however drowsy driving can also be a side effect of sleep disorders, medication, drinking, or shift work.
Drowsy driving is responsible for more than 6,400 U.S. deaths annually. Remember, when you drive drowsy, you are not only putting yourself at risk, but you are also putting everyone else on the roadway at risk if you fall asleep, are unable to react in time, or lose control.
Drowsy Driving…
…makes you less able to pay attention to the road.
…slows reaction time if you must brake or steer.
…affects your ability to make good decisions.
The best way to avoid driving drowsy is to make sure you are getting enough sleep at night (the recommended amount for adults is 7 hours) by practicing good sleeping habits. And to avoid any substances that may make you more tired before getting on the road.
Driving in the Dark
With the time change, it’s likely that your morning commute is now entirely in the dark. And while that may not seem like a major change, depth perception and peripheral vision can be compromised in the dark, and the glare of headlights from an oncoming vehicle can temporarily blind or disorient you.
Visibility is also limited to less than 500 ft, meaning there is less time to react in case of an emergency or if something is in the middle of the roadway, like a tire or deer. Because of this, the number of road fatalities triples when it’s dark.
Unfortunately, for those who in situations where drowsy and night driving are unavoidable, like workers with irregular hours or parents of newborns, etc. here are a few tips that you can do behind the wheel to help prevent a crash.
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- Be aware of your surroundings – watch for other drivers, animals, or obstructions in the roadway that could be hidden by the darkness
- Slow down – don’t be afraid to reduce your speed when visibility is low
- Stay alert to the best of your ability – turn on the air conditioner or some loud music to help you focus and stay awake.
- Don’t look directly into headlights – avoid bright headlights by starting at the white line on the right-hand side of the road when other cars are passing.
- Avoid common distractions– like food or your phone
- Limit your night driving – if it’s not necessary, stay in!
- Always follow the rules of the road– never speed or break the law to get to your destination quicker
- If you know you cannot drive– ask someone for a ride or call a rideshare
And in the case of an accident make sure you are covered, by having the proper auto insurance protection.
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 |
Spring brings warmer weather, plenty of sunshine, and new blooms. But it also brings its share of storms, road glare, and other driving hazards. Here’s how you can stay safe when driving this spring.
Tip #1: Drive slowly and use caution in the rain.
Roads are most slippery when it starts to rain. This is due to rainwater mixing with the oil and grease on the road. But whether the rain has just begun or it’s been coming down for a while, it still makes roads slick.
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- Keep your headlights on so that you are more easily seen.
- Slow down and increase your following distance from other cars. Remember that any amount of water could cause you to skid or hydroplane.
- Make sure your tires have enough tread and your wiper blades are in good condition.
- Avoid using cruise control in the rain.
- Avoid driving through water, which can damage your vehicle. If there’s too large a puddle, consider an alternate route.
Tip #2: Avoid potholes and puddles that could be covering potholes.
Freezing, thawing, and road salt in winter can help to create potholes. That’s why you may notice more of them in the spring. If you hit a pothole at too high a speed, or if it’s too deep, there could be problems. Potholes can lead to punctured tires, bent rims, suspension damage, poor alignment, or other expensive repairs.
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- You may or may not see potholes coming. It’s even harder when they’re covered by puddles. Slow down and drive around both potholes and puddles.
- Keep a safe distance when following another vehicle.
- Keep both hands on the wheel to avoid losing control if you do strike a pothole.
- If you encounter a pothole that is especially large or deep, try to find another route.
Tip #3: Be prepared for sun glare.
Spring is known for its bright sunshine that can temporarily blind you when you’re driving. The hours following dawn and preceding sunset are typically the times when the sun is the brightest.
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- Position the sun visor in your car to block the light.
- Sometimes moving the visors don’t do it. Sunglasses help reduce the sun’s intensity. Keep a pair handy in your car. Wearing a hat or sun visor can help too.
- Slow down. Give yourself plenty of distance behind the car in front.
- Keep your windshield clean. Dust, dirt, and pollen can make the glare worse.
- Pull over if you can’t see.
Tip #4: Share the road with construction, bikes, pedestrians, and kids playing.
Spring weather brings everyone out. That includes construction crews, bicyclists, pedestrians, and of course, children playing. Awareness is the first step.
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- Drive slowly in residential areas. If a ball goes bouncing into the street, chances are there will be a child chasing it.
- Stop and give the right of way to pedestrians in crosswalks. Never pass vehicles that are stopped at crosswalks.
- Slow down and follow signs for new traffic patterns in construction zones. Solid lines in construction zones mean “stay in your lane.”
- Learn biking hand signals, and look for bicycles before you make turns. Allow plenty of space when passing bicyclists.
Tip #5: Be on the lookout for deer at dawn and dusk.
Deer migrate during the spring and sometimes venture too close to roads. A collision with a deer is not only fatal for them; it’s costly in terms of vehicle repairs.
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- Be especially careful during dawn and dusk when deer activity is at its highest.
- Look out for deer crossing signs. These are posted at locations where deer sightings are common.
- Use high beams at night as long as facing traffic isn’t coming.
- If a collision seems inevitable, do not swerve into the other lane. You could hit a vehicle and cause an accident that’s worse.
- Brake firmly, and try to graze the deer rather than hit it. Ease up on the brake just before you connect with the deer. It will cause your vehicle to lift a bit, which might keep the animal from hitting your windshield.
Tip #6: Know how spring allergies can affect your driving.
Spring is a time for allergies. Driving with sneezing, runny eyes and nose, and congestion can be a big distraction. But allergy medications that cause drowsiness could do greater harm.
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- Read the warning label on your allergy medication. If it warns against driving or operating heavy machinery, don’t do it.
- Replace your car’s air filters to ensure they are filtering pollen, mold, and other allergens.
- Consider washable car mats instead of cloth ones so you can clean them. Give your car a spring cleaning.
- Roll up your windows and turn your air conditioner to the recirculation setting. This minimizes the amount of fresh air coming in.
Tip 7: Make sure your vehicle is in good working order.
Keeping your vehicle in top condition will help you navigate the challenges of spring driving more easily. Follow a schedule for regular maintenance.
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- Check your vehicle’s headlights, turn signals, and tail lights to make sure they are working. Make sure your headlights are aligned.
- Check your car’s wipers and replace the blades if they are showing signs of wear.
- Check your car’s air conditioning system to make sure it’s working.
- Make sure your tires have enough tread and are inflated. As temperatures rise and fall, your car tires may expand and contract. This causes loss of air pressure. You will want your tires to be inflated to manufacturer specifications. Check your owner’s manual.
- Finally, make sure you have the proper car insurance. Coverage will give you peace of mind should anything happen.
Now go enjoy the warmer weather. 😊
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 |
No matter the situation, it’s stressful to be in a car crash. It’s even more nerve-wracking if the other driver refuses to stop. In a hit-and-run, you’re left all alone with all of the damage—and if you can’t find the other driver—the cost.
A hit-and-run is defined as a collision where at least one driver leaves the scene without sharing information or offering help. In most states, this is against the law, but it happens more often than you think- every 43 seconds someone is the victim of a hit-and-run. If there’s damage to your car, a hit-and-run could be a misdemeanor but if there’s also injury, it could be a felony.
So what do you do if a hit-and-run happens to you?
Step #1: Safety comes first. Check for injuries and that you’re in a safe location.
If you’re hurt and need immediate medical attention, call 9-1-1. If your car is in a dangerous location, and could be hit again, move it out of harm’s way.
Step #2: Look for a witness.
Look for a witness. If witnesses are nearby, ask if they’d make a statement. Take their contact information to share with police. (This is good advice for any type of accident.)
Step #3: Write down as much information as you can. Take photos.
Take a moment and write down what you remember about the accident, including the most important thing—the license plate number if you saw it. That will help the police to locate the vehicle. Also include information about the other car, such as the vehicle’s make and model, color, and direction of travel. If you saw who was driving, include a description of that person. Then, take photos of the damage to your car and the place where the accident occurred.
Step #4: Stay where you are and call the police.
In some states, it’s legally required to call the police. You’ll want to do so even if it’s not and even if the damage wasn’t serious. The police need to get out there immediately to make a report from the scene of the accident so that they can help to track down the other driver. In addition, your insurance provider will likely ask for a copy of the police report. Police reports document any physical evidence such as tire marks as well as any witness statements.
Step #5: Call your auto insurer.
Let your insurer know about the accident and file a claim. Calling your insurance company will allow you to find out coverages available, limits, and deductibles. If you don’t have a body shop, they can often refer you to one in your area. At California Casualty, we call these “GRN’s” – Guaranteed Repair Network. These approved independent facilities meet the company’s strict customer service and quality standards. Your insurer will let you know about the repair process and will share information on whether your policy covers a rental car while your vehicle is being repaired.
Step #6: If you need a tow, call roadside assistance.
If your car is damaged to the point where it cannot be driven, have it towed to your body shop.
Know your towing limits. Some coverage will take your car to the nearest place of repair. You may have to pay out-of-pocket if you to tow your car further. Finally, before any work can be done to repair your car, you will want to verify the process with your insurance company.
Who pays for repairs from a hit-and-run?
If you’re able to locate the other driver and he/she is insured, you will be able to file a claim with the driver’s insurance company. If that’s not the case, you have a couple of options. These vary by state and are also determined by how your insurance company handles hit-and-run accidents.
Collision Coverage
Your collision insurance kicks in if you don’t have underinsured or uninsured motorist coverage. If your car is totaled, collision coverage offers either “actual cash value” for your vehicle or the amount necessary to repair or replace the vehicle with another of similar kind and quality—subject to the deductible. There are certain cases where the deductible could be waived; check with your insurer. Collision applies both to accidents with other drivers and collisions with objects such as a fence or mailbox. It also covers vehicle rollovers. Unlike liability insurance, collision coverage is not usually required—unless you’re leasing a car or paying off a loan on a vehicle. However, it may be good to have, especially in the event of a hit-and-run.
Uninsured/Underinsured Motorist Property Damage
One reason that a driver might run from the scene of an accident is if he or she does not have car insurance. If that’s the case, even if the police identify the driver, you cannot file a claim with his/her insurance company. If you have uninsured/underinsured motorist property damage, you can use that to pay for repairs. These are optional coverages in the majority of states. In some states, you are not allowed to carry collision and UMPD at the same time. Also, sometimes UMPD has a policy maximum, or cap on the amount it will pay. If you have UMPD/UIMPD, and it isn’t enough to cover the total cost of your car, your own collision coverage will help.
Having the right coverage is important for protecting your vehicle and keeping you from having to pay thousands in the event of an accident that is not your fault. Schedule an annual review with your insurer to make sure you are fully protected. Then, stay on top of your coverage by managing your account online.
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 | Homeowners Insurance Info |
You found the perfect place to rent, and you’re ready to go. Moving company, check. Boxes and bubble wrap, check. Renter’s insurance?
If you’re wondering whether you need to purchase renter’s insurance, here are the most frequently asked questions.
What does renter’s insurance cover?
Renter’s insurance is like homeowner’s insurance but for tenants. As a start, it protects your personal belongings (that’s right, your landlord’s insurance policy will not cover your belongings) but that’s not all. It’s an important safeguard if you’re found at fault for property damage or injuries at your place (and even around the world). It also can help if you don’t have access to your apartment or home due to a covered loss.
Renter’s insurance policies offer (1) personal property coverage, (2) liability insurance, and (3) additional living expenses when your apartment or home is uninhabitable.
What is personal property coverage?
Personal property coverage protects your possessions. If they are stolen, or damaged by fire/smoke or other covered “perils,” your policy will pay for them. You’ll simply have to cover the smaller upfront fee known as the deductible.
You may choose the replacement cost or the actual cash value (ACV) for reimbursement. ACV is the amount the item is worth, minus depreciation for its age. It will cost a little more for a policy that provides replacement cost since that is higher than ACV.
With personal property coverage, you choose the amount of coverage based on how much your stuff is worth. The good thing is that your possessions are insured whether they’re at your place or away from it. For example, if you have a child away at college, who has an item stolen, your policy will pay 10% of your Personal Property Coverage C limit.
Note: Some policies limit certain types of possessions, such as jewelry. If you want a higher limit, you will need to add it to the policy.
What is liability coverage?
Liability coverage protects you if someone is injured and you’re legally liable. It could be at your place or it could be anywhere in the world. For example, if your dog bites someone, you’re covered. The policy pays for the bite victim’s medical expenses and covers court fees if they sue you. Liability also covers accidental damages to the place by you or your guests. So, if you accidentally set fire to your apartment, you’re covered. There are limits, so talk to your insurance advisor about an umbrella policy, which will provide much greater coverage.
What is loss of use coverage?
If a covered danger, like a fire or an evacuation, causes your residence to be unfit to live, your policy reimburses you for additional living expenses. For example, if you normally spend $200 per month on food and now it’s costing you $300, the policy will reimburse the additional $100. There’s a time limit and a dollar limit on this, so check on your policy’s details. Payment will be for the shortest time required to repair or replace the damage or, if you permanently relocate, the shortest time required for your household to settle elsewhere. It’s worth noting that if you have a Coverage Enhancement, there’s no deductible.
What exactly is the deductible?
If a loss does occur, a deductible will often apply. A deductible is the amount that you are responsible for, before the policy pays anything. So, before you get replacement or ACV for your possessions, you pay the deductible out of your pocket. Your deductible could be $250, $500, or more. You have a choice on the amount of the deductible. The lower the deductible, the more expensive the policy.
Note: There are times when there is no deductible. In a personal liability policy, for example, a deductible does not apply.
What isn’t covered by renter’s insurance?
Renter’s insurance doesn’t cover every situation. It does not cover damage from earthquakes, mudslides or floods. It does not cover infestations of rodents or bugs. There’s only limited coverage for theft of jewelry and firearms. A standard policy doesn’t cover your roommate’s possessions (though you could add them as an endorsement known as “Other Members of Your Household” for little or no cost). Renter’s insurance also doesn’t consider your car as one of your possessions. You need a separate auto insurance policy.
Note: Ask your insurer about home office and business computer coverage. That’s different than a personal policy.
Is renter’s insurance required?
Renter’s insurance is not mandated by law, but it may be required by your landlord, property manager or owner. Renter’s insurance helps keep others, including you, from seeking damages from them, even though they’re not responsible for your possessions. If you accidentally start a fire, the landlord’s insurance kicks in after they pay the deductible. But they could use your renter’s policy to cover that cost, so it’s a win-win for them.
What happens if you don’t have renter’s insurance?
If you don’t have renter’s insurance, you’re fully responsible for any property damage or loss. You’ll have to replace your possessions in the event of theft, fire, or other perils. You’ll have to pay the medical costs of anyone injured in your apartment. You’ll have to pay for additional living expenses if your apartment is inhabitable.
How expensive is renter’s insurance?
Renter’s insurance is surprisingly affordable. For as little as $10 a month, you can get a renter’s policy at California Casualty. The cost varies depending upon the coverages you choose, the deductible, your financial responsibility score, and multipolicy discount. Even your location can have an impact. Areas with higher crime rates will have higher insurance rates.
How much renter’s insurance do you need?
You want to have enough insurance to cover your possessions and any potential liability. Start by taking an inventory of what you own and putting a dollar figure on replacing our possessions. Then, take a look at your liability. Do you entertain a lot? Do you have pets? Determine the potential for injuries on site or any other property damage. You also want to take into consideration the amount of assets you have – such as your savings, etc. You want to make sure the amount you select will cover your assets. Then, choose the deductible that is affordable for you.
Can you get renter’s insurance after you’re already moved in?
Yes. You may purchase renter’s insurance at any time. However, it’s not retroactive. You cannot buy it after there’s been damage or theft.
Not all renter’s insurance is the same. Some policies cover more than others and costs vary. Check with your insurance provider to find out the options.
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 | Travel |
Looking forward to relaxing on a warm beach, hitting the slopes on a scenic mountain, or choosing day trips for a stress-free staycation this Spring Break?
Check out our timesaving guide for planning your next vacation or staycation.
Set your budget.
Where can you go and what can you do? It depends on your budget. A travel budget is not an ironclad number; it’s more of an estimate. Think of a figure that you’d be willing to spend on a vacation or a staycation. Then determine if that amount covers the major expenses of your trip: accommodations and travel expenses.
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- Research travel deals and airfare specials.
- Check out the rates of less popular airports near your destination to save money.
- Rent a car instead of flying.
- Check out different lodging options.
Choose your destination.
What’s your vacation style? Maybe you like touring museums and cultural attractions or you prefer lounging by the pool. You might like being active, such as skiing, hiking, or bicycling. The types of vacation that you most enjoy will help determine your destination. Match that to the budget and you’ll be able to choose a great destination.
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- Take advantage of discounts, such as credit card points, AAA, or military.
- Check out additional discounts on Groupon, Kayak, Priceline, booking.com, and other services.
- Book your airfare and/or reserve your rental car.
- Create a draft travel itinerary. Buy tickets for popular activities so you won’t arrive and find them sold out.
Select your accommodations.
You may not be spending a lot of time in your room, but you do want a central location that allows you to do what you want to do. In some cases, like on a staycation, your lodging may be your entire vacation because it provides everything you need.
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- Determine the amenities that are important to you. Do you want a kitchen where you can cook meals? A beachside location? A place that’s walking distance to everywhere you want to be? On-site entertainment? All-inclusive services?
- You can stay in a hotel, a cabin, a treehouse, a resort, a bed-and-breakfast, on a cruise ship, or any of a number of options. Choose the right lodging for your vacation style and your budget.
- Do you have friends or family that you’d like to visit? Consider staying with them and incorporating them into your vacation plans for all or part of spring break. Alternatively, see if they’d like to swap houses with you for the week.
Purchase insurance just in case.
Accidents happen and plans change. That’s where travel and rental insurance come in. Travel insurance can reimburse you if you are unable to go on your trip. Rental car insurance can help in the event of a collision or other damage to your rental car.
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- Before you purchase rental car insurance, make sure your auto policy doesn’t already cover rental cars. Many policies do.
- If you’re renting a car out of the country, double-check that your auto policy covers you. For example, when traveling in Mexico, you will need a special Mexico policy.
- Travel insurance comes in many varieties. You can get trip cancellation, trip interruption, or trip delay insurance. You also can get baggage loss coverage. Talk to your insurance provider about what is available to you.
- You also can get medical expenses and medical evacuation coverage. This is important for trips outside the country. Once again, speak to your insurance provider to make sure you qualify for the coverage.
For the foreseeable future, you will want to take precautions to guard against COVID-19. After all, it’s no fun to be sick on vacation; neither is it a good idea to bring a virus back to your students. When traveling, follow these guidelines.
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- Some destinations require COVID tests. Know the rules and regulations so that you can schedule your test before your trip or at the airport.
- Wear your mask at the airport and on the plane.
- Wash your hands frequently.
- Avoid crowds where possible, and stay 6 feet away from others.
Plan a staycation.
A staycation can be as much fun as a vacation with the advantage of being a lot more affordable. While you can certainly use the time for projects around the house, you can enjoy a real break by planning day trips and fun activities.
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- You don’t technically have to stay home during a staycation. Consider one or two nights at a local hotel or other fun lodging.
- Choose a theme for your staycation, such as gourmet traveler, spa serenity, or tourist in your own town. Use it to inspire your activities.
- Enjoy fun takeout or restaurant meals that make the week feel special.
- Disconnect from social media and the news. Enjoy movie nights, game nights, and other interactive fun.
- Don’t forget that Educators & ESPs can win a $10,000 Staycation Giveaway from California Casualty!
What are your plans this Spring Break? Share it with your colleagues in the comments.
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
