Trampolines

Trampolines…. An Insurance Company’s Worst Nightmare

 

So you have a trampoline.  That’s great.  But you wonder why your insurance company cares and why they charge you extra for having it, even with a net.  As both an insurance agent and a fan of trampolines, I am here to explain.

Your homeowner’s insurance covers you for liability, including damage that you cause that you are legally obligated to pay for.  If it is your trampoline doing the damage, it is on you.

First, and perhaps most obvious, is the chance of harm to the people using the trampoline.  Even with a net (which really is incredibly important), it’s easy to get hurt on a trampoline.  I have a friend who was 24 years old and broke his leg on a trampoline from landing wrong, so it really can happen to both kids and adults.  If the damage is severe and the kid is not yours, you may be on the hook for some pretty hefty medical bills.

Second, and less obvious, is the property damage trampolines can do.  Let’s face it, New Mexico winds are not something to be taken lightly.  And they definitely can get strong enough to pick up a trampoline and throw it into the next house over (trust me, I’ve seen it happen).  The fence it knocks over, the window it breaks, the car it dents?  All on you.  Or rather, all on your insurance.

So when you see the surcharge on your policy, these are just some of the reasons.  Hopefully nothing ever happens and no one ever gets hurt.  But that’s what you have the insurance for, right?

Night Driving Dangers

A little extra caution can go a long way while driving at night

night-driving-dangers

Summer has ended, and while fall and winter have their own pleasures, longer nights mean increased danger on the roads.

You might think you drive just as well at night, but consider this: Even though nighttime driving accounts for just 23% of vehicle miles traveled, more than 50% of fatalities for vehicle occupants 16 and older occur between 6 p.m. and 6 a.m., according to the National Safety Commission (NSC).

Because we’re big advocates for safety at Brown & Brown Insurance, we thought it would be helpful to take a look at why night driving is more dangerous, and what you can do to decrease that danger.

What’s dangerous about night driving?

  1. Decreased vision. We won’t go into all the biological details, but different parts of the eye (such as iris, pupil and retina) work differently at night. Your peripheral vision is actually slightly improved, but it’s more difficult to focus on objects ahead of you. And traveling between well-lit areas and darker roads creates issues as well.
  2. Driving too fast for your headlights. Depending on vehicle speed and headlight setting, many people “over-drive” their headlights. That means, by the time they see something on the road, it’s too late to stop in time to avoid it.
  3. Impaired judgment. Whether due to drowsiness or the use of alcohol or drugs, it appears that drivers at night often don’t use good judgment. According to the NSC, 66% of fatalities at night involve vehicle occupants who weren’t wearing seat belts.

So what do you do?
Sometimes, there’s no way around driving at night. So here are some tips to help you make a safe trip — whether you’re just running to the store, or you’re headed all the way to Santa Fe.

  1. Make sure your vehicle’s lights are in good working condition. And not just headlights, but turn signals, taillights, etc.
  2. Avoid speeding. Leave a bigger cushion between you and other cars than you would during daylight hours. Leave yourself more time for the trip.
  3. Be more aware of your surroundings. You shouldn’t be using your phone, messing around with the radio or trying to find something on the floor while you’re on the road anyway — and distractions are even more deadly at night.

 Of course, if you’re not comfortable driving at night, the best thing is to avoid it altogether if possible. There’s nothing wrong with asking for a ride from a trusted safe driver or waiting for the sun to come out!

Contact Us!

At Brown & Brown Insurance, we can work with you to make sure you’ve got the coverage you need, while at the same time using all possible credits and discounts to make that coverage affordable. Just give us a call at 505-821-5888 or send us a note at info@bbnm.com. We want to help you meet your goals, and make sure what’s important to you is protected!

 

Content provided by Safeco Insurance

Distracted Driver

Avoiding distractions while driving could save your life

You’ve seen them on the roads; you might even know a few of them.

And you could be one yourself.

Distracted drivers in come in all shapes, sizes, ages and experience levels. Even if you’re not one today, you could become one at any moment — in the time it takes you to answer your cell phone or check the kids in the back seat when you’re driving through AlbuquerqueDistracted Driver.

If you or someone else you know thinks you can drive just fine while talking on your phone, think about this: More than 450,000 people were injured in crashes that reportedly involved distracted driving in 2009, according to the National Highway Traffic Safety Administration. More than 5,000 of those people died.

Distractions on the road come in many forms, according to www.distraction.gov, a U.S. Department of Transportation website. There are three main kinds of distractions:

Visual – taking your eyes off the road

Manual –taking your hands off the wheel

Cognitive – taking your mind off what you’re doing

 

To help you avoid all three kinds of distractions the next time you’re behind the wheel of your car  here are a few tips:
Put your phone in silent mode and store it away from the front seat or in a purse or bag. This helps reduce temptation.
Have a passenger answer your phone or return text messages for you. If a call or a text can’t wait, pull over in a safe spot before using your phone.
This one seems obvious, but finish shaving or applying makeup before you get in the car!
If you’re emotional, wait until you’ve calmed down before hitting the road.
Avoid road rage. You’ll be happier and safer.

Whenever you’re on the road, it’s not a time to multi-task. Focus on driving safely.

 

Wildfire Prevention Event

Thursday, June 23, 2016, Chubb hosted the “Wildfire Prevention Event” at the Albuquerque Country Club. The Chubb Wildfire Defense Service is coverage that is initially written on your Chubb home policy. The insured would need to contact their agent or go online to register each location on their policy. Registering your policy consists of an agreement to let Chubb enter your property in the event of a wildfire emergency and adding phone numbers to be contacted at.

After enrolling your home for the service Chubb will inspect the exterior of your home and give helpful tips and advice to help mitigate exposure on the property. Example would be if you had a wood pile against your home, they would advise to move the wood pile away from the home about 30ft.

Having this coverage will give you that extra piece of the puzzle that most home policies don’t have. Knowing that a qualified wildfire service provider will come out to help protect your home  from damage as best as possible and to keep you updated during the event can give you much needed peace of mind.  For more information regarding this coverage call us at 505-821-5888.

Wildfire Prevention Event

 

Visit firewise.org for more helpful tips to protect your home

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