Common Causes of Car Accidents

Don’t Be The One To Cause A Car Accident

Driving accidents happen every minute in every day. An estimated 10 million people are involved in car accidents every year. Car accidents are also the leading cause of teenage deaths. The story is always the same, it’s not my fault. Several studies from the U.S. say the number one cause of accidents is you, not a wet road or a pot hole. Accidents can happen for almost any reason. Let’s talk about the most common causes of car accidents.


The number one cause of car accidents is distraction while driving. This includes talking on the phone, texting, eating, or slapping the mosquito on the windshield. It also includes having a conversation with your passenger. You are 23 times more likely to get in accident if you are texting while driving and 4 times more likely if you use a hand held device. Pay attention to your surroundings especially if you are in the busy city but rural accidents are possible as well.


Most everyone today has a need for speed at one point or another. A third of all accidents in the U.S. are caused by speeding drivers. Give yourself enough time to make it from point A to point B. Ask yourself this; is 10 minutes worth your life?

Drunk Driving:

Drunk driving is the most dangerous act on the road today. Mothers Against Drunk Drivers estimate that 300,000 incidents of drunk drivers happen daily. Drunk driving is completely preventable; you could call a taxi or a friend for a ride. Drunk driving not only endangers your life but others as well.

These are only three causes of car accidents, there are too many to count. While driving on the road an accident can happen at anytime and anywhere, know your surroundings where ever you drive.



Protect your Home against Flooding

Flooding is the most common natural disaster worldwide. Protecting your home against flooding and flood damage is very important. Flood damage can get very expensive but the prevention of flooding is far less expensive. Ask yourself this, would you rather help prevent flooding or deal with the consequences later? There are many different things in your home that you should check to prevent flooding, whether from the weather or from pipes located in or around your home.
Leaking pipes in your home are an easy flooding disaster. You should check under sinks, this includes every sink not just the kitchen, to make sure that there are not any slow drips; if there are it could cause flooding. Any slow drips could result in a burst at any time. These small drips should be fixed. Also, your washer machine hose is something that should be changed every three to five years. A bulge or fray in the hose could also cause a flooding problem. A great way to check if you have any leaking pipes anywhere around your home is to check your water meter and to not use any water for an hour, go back and check the meter if the meter reader has changed a leaking pipe maybe be the culprit. You should also know where the water shut off valve is and make sure it is operational.
Even with all the water sources in your home to check you should also be aware of the water that comes from the sky. Outside your home you should check roofs and gutters. Leaking roofs can cause significant damage to the inside of your home and should be fixed immediately. If you do not fix the leaks it could cause mold to grow in your home. When inspecting your roof you should check the shingles for cracks or even broken ones. If you get a new roof put on your home, you should ask for extra protection, you can get a rubber underlay as a waterproof barrier to protect your home from intruding water. You can also keep tree branches cut back from excessively rubbing the shingles. If you don’t already have gutters on your home it would be a good idea to install. They will carry water away from your house so it does not sit. If you have gutters, you should ensure they are free of debris. The debris can build up causing damage.
Although there are many different ways to prevent flooding or flood damage these are few to take into consideration. Just remember that flooding can be caused by more than just rain, but leaky pipes as well.

Replacement Cost vs. Actual Cash Value

At one point or another you may need insurance on something of value. There are two types of coverage to get your money back if that item is stolen replacement cost and actual cash value.

              Replacement cost means the insurance company gives you enough money to replace the item with an item similar to what you had and for the same purpose. An example replacement cost would be if you had an expensive camera that was insured by your insurance company, and you lost your camera, you make a claim through your insurance agency and they will give you the equal amount of money to replace the camera.

              Actual cash value is a little different from replacement cost the insurance company gives you the money to replace the item minus the wear and tear the item has. The insurance company takes into consideration how old the item is and the product category it falls into. An example of this would be if you lost your camera and made a claim, the insurance agency would give you less money back if the item was an older model camera, but if it were a new camera you would get more money back for your claim to replace the camera.

              Replacement cost and actual cash value both get your money back to replace an item. One is not better than the other, it is a personal choice. Which would you choose if you needed to insure your personal property?

Hurricane Tips

Get Prepared For Hurricane Season

Tips for Florida homeowners:

hurricane off florida coast

Our insurance agents hope home and property owners are vigilant this hurricane season and prepare before a storm hits.

Check out these hurricane safety tips to protecting your home or property from damage and total loss due to high winds, rain and power outage.

-Have spare gas cans filled with gas

-Test your generator – plug in your appliances, lights, etc. to be sure everything works the way you want it to

-Remove limbs and yard debris that could become missiles in the event of strong winds

-Clean gutters and look at your drainage areas be sure they are wide open

-Look at the sealants around your windows – do you need additional caulking?

-Review your roof shingles or tile – is anything loose or need repair?

-Do you have an evacuation plan? Where will your family and pets go?

-Get plastic containers with lids to secure important items

-Video the interior and exterior of your home or property for filing a claim after the storm passes

-Schedule a homeowner’s insurance policy review with our office prior to the storm to make sure you are covered

Our Florida insurance agents are available Monday – Friday to answer your questions and guide you through your insurance policy.

Top 5 Homeowners Insurance Claims

When you buy a home or rent an apartment, it is important to make sure it is properly insured to cover any kind of accident or damage. While individuals should always get the state-mandated minimal insurance, it is always a good idea to look into getting additional coverage to handle any high-cost claims that you may incur.

Water Damage

Water damage is a common claim, and can still affect you even if you don’t live in  a flood zone. Depending on how old your home or apartment is, there is a chance for a pipe to burst or your toilet overflows. Remember to purchase a policy that will cover water damage despite the source of the water.

Wind and Hail

Severe weather can damage your home, and as Florida residents we endure high winds during hurricanes which can also hail and tornadoes. Exterior damage can be expensive to repair, so make sure to have adequate coverage for your state’s climate.


You never anticipate that a visitor on your property will get hurt, but because there is a possibility of being sued if this happens, you need proper liability coverage.

Dog Attacks

If you are a dog owner, you must make sure they are properly controlled at all times. You never know what could make a dog feel threatened and decide to bite someone. If someone gets bitten, they have a right to sue you posing a lot of financial duress. With dog attack claims, the dog owner assumes primary responsibility and could be found liable. Make sure you have enough liability coverage and keep your pets under control.


Losing your home to a fire is overwhelming, and the claims process doesn’t help relieve any of the stress. When you make a fire claim, you must be able to prove the worth of what was lost. If the insurance company doesn’t agree on the value, an investigation will follow. To help matters, make sure to keep a running tally of your belongings as well as their value.

When searching for a homeowner’s policy, make sure to look at the scope of the policy as well as the price. If you don’t have proper insurance coverage, you could be looking at additional financial burdens after an unwanted disaster.