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Commerical Auto

Texting While Driving Now Banned in Idaho

At least 35 states and Washington, D.C., ban text messaging by drivers, but efforts to toughen the law in Idaho has struggled to gain traction in recent years.  After several tries and frustrating setbacks, Idaho is set to join the majority of states that have toughened laws against sending text messages while driving. House lawmakers voted 53-17 Tuesday to bar motorists from using smartphones and other hand-held devices to review, prepare or send written communications. Rep. Julie Ellsworth, R-Boise, pushed the plan, saying a strong message from state leaders is needed to curb the deadly and growing habit.

Our March Success List

NEW YORK – Restaurant Supply Store – Metal Goods Manufacturing for Restaurants/Bars/Hotels – Very large slip and fall loss 2 yrs prior – $20,000 Premium – NY – Household goods mover MTC account – Trucker’s GL also separately placed – $800 Premium – NY CALIFORNIA – Large Pallet MFG for $13K in premium in CA. – Large Used Car Dealership in CA for $35K. – Large ($50 Million) TIV Vacant Building – 25 Rental Dwellings to “flip” – CA – $10,500 Premium – Door and Window MFG – CA – $4,000 Premium – Excess added for $750 to Premium FLORIDA,… Read More »Our March Success List

Safe-Driving Campaign in Virginia

According to Associated Press Virginia high schools will be participating in a safe driving campaign. The three-week campaign called “Buckle Up, Driver Sober” is designed to help teens develop long-term safe driving habits. Remember: disciplined teen drivers equals lower insurance premium. Sponsors of the campaign cited statistics that show the majority of teens killed in highway crashes in Virginia were not wearing a safety belt and that 427 teens have died in alcohol-related crashes in Virginia since 2000.

Top Five Mistakes Drivers Make

For many drivers, getting behind the wheel is second nature, so it’s easy to make errors without realizing it. However, these errors can lead to serious accidents. Keep yourself and others safe on the road by avoiding these mistakes: 1. Tailgating Leave a three-second cushion between you and the vehicle in front of you. Leave even more time when road conditions are bad or when you’re travelling at higher speeds. 2. Stopping Instead of Yielding Accidents can happen when drivers stop at a yield sign. “Yield” simply means to slow down and let the traffic on the road you are… Read More »Top Five Mistakes Drivers Make

Broad Form Auto Endorsement

If you are shopping for your business auto insurance consider getting quote from Hartford. With a broad form auto endorsement you are getting: Coverage Who Benefits Most Claim Scenario Loan Gap Coverage – When a financed vehicle is declared a total loss and your insured’s outstanding loan balance is greater than the actual cost value of the vehicle, The Hartford will pay the difference between the outstanding loan balance and the actual cash value of  the vehicle. This is a new coverage! Any small business owner that finances company vehicles Like many small business owners, Jane financed the Ford F350 truck… Read More »Broad Form Auto Endorsement

Hands-On: Top 10 Excuses From Drivers Caught Using Phones

1. This is a bogus law. 2. It was my boss on the phone – I had to answer it. 3. I wasn’t using it – I just like to hold it. 4. Sorry officer, I didn’t see you trying to pull me over because I was on my phone. 5. But it was an emergency call to my wedding planner. 6. My Bluetooth died. 7. Driver: I’m using my speakerphone. Police officer: No, you’re holding your phone in one hand and steering with the other. 8. I’m not driving; I was stopped at a red light. 9. I wasn’t… Read More »Hands-On: Top 10 Excuses From Drivers Caught Using Phones

Risk Management: Preventing Commercial Auto Accidents

– Watch Your Speed: It’s easy to go too fast—especially when you are in a hurry. Remind yourself to slow down and keep it safe. – Mirror, Mirror: Properly adjust all mirrors before starting your trip. It is also important to check the side and rearview mirrors frequently while en route. This will allow you to constantly observe your surroundings. – Avoid Road Rage: Leave aggressive drivers to the police. Call 911 and report unsafe drivers — you could be doing them and everyone else on the road a favor in the long run. – Drinking = No Driving: If… Read More »Risk Management: Preventing Commercial Auto Accidents

What to do After Car Accident

Five Steps to Take After an Accident If you’re ever in an accident, it’s easy to forget what to do right away. Follow these five steps to ensure the safety of you, your passengers and everyone else involved: 1. Call the Police. Even for small accidents, call 911. Police will help redirect traffic and document the incident. 2. Avoid Additional Damage. Move your car from the roadway as soon as possible to prevent additional collisions. 3. Get the Right Information for the Insurance Process. You’ll need the other driver’s name, license, phone number, insurance information and license plate number. 4. Document the Accident. From… Read More »What to do After Car Accident

Car Dealer Title Washing Scheme

A federal jury in Texas has convicted a car dealer from Rowlett for ‘title washing,’ a fraudulent process through which a vehicle’s title is corruptly altered to conceal information that should normally be contained on the title, such as a previous salvaged title or a financial lienholder. Instant insurance quotes for car dealers A vehicle that has a ‘certificate of destruction,’ ‘non-repairable’ history or ‘parts only’ history can only be utilized for parts or scrap metal, and can never receive a clean title. U.S. Attorney John E. Murphy announced that 49-year-old car dealer Jerry Edward Weaver was found guilty for… Read More »Car Dealer Title Washing Scheme

Tips for Driving Safely With Children

– Young Children When children have outgrown a convertible safety seat, they should use a booster seat until they are 10 years old. Even when young children are tall enough to use an adult seat belt, they should ride in the backseat until they are 13 years old. – Toddlers Keep toddlers in a rear-facing, convertible safety seat for as long as possible. When the child outgrows the safety seat, toddlers should sit in a forward-facing safety seat complete with a full harness. – Infants Always drive with infants in a rear-facing safety seat. Once a child exceeds the manufacturer’s… Read More »Tips for Driving Safely With Children