Would You Know What To Do In the Event You Have a Driving Emergency?

Driving with Wildlife on road

Driving hazards present themselves daily and can occur year-round in every state. But, would you know what to do in the event a driving hazard presented itself? Driving with Wildlife on road

Wildlife: Hitting a deer in the roadway can be a traumatic experience, but it could also be deadly. The U.S. Dept. of Agriculture cites as many as 2 million collisions with animals occur each year in the U.S. Prepare by following these steps:

  • Stay alert: if you are driving in rural areas, be aware that wildlife is always nearby and keep a lookout towards the sides of the road.
  • Don’t swerve: Swerving cannot only results in a worse injury and more severe accident, but your insurance company might find you at fault if you swerve to miss a deer and end up hitting a tree or guard rail. Keep your car pointed forward and hit the brakes!
  • Be more aware at night: Animals can become more active in the evenings and some travel in groups. If you see one, chances are there are more nearby. If there are two lanes, drive in the lane farthest away from the side of the road.

Blown Tires: A blown tire can be a startling experience, but knowing what to do in the event you have one can save you from an accident. Keep these things in mind:

  • Don’t slam on the brakes: Slamming on the brakes with a blown tire will only make matters worse because it will cause your vehicle to pull hard in the direction of the flat. Slowly pull to the side of the roadway, as far away from traffic as possible.
  • Work to maintain your steering: If a front tire blows, it can really cause the vehicle to pull. Do your best not to overreact to the sudden jolt and swerve the other way. This could cause your vehicle to lose control.
  • Place your blown tire and wheel under the car slightly when changing your tire: So many injuries occur when a jack is improperly used. Placing your tire under the car can save you from being crushed if a jack fails.

Bugs in the Car: We’ve all experienced the spider in the car!

  • Pull over: While a spider or bee in the vehicle can be alarming, you have to remember – it is probably more afraid of you than you are of it! Carefully pull over to the side of the road and let your unwanted passenger out.
  • Don’t let it take your eyes off the road: It can be tempting to try to swat at the insect or arachnid while driving, but don’t. It will only increase the chances of causing a more serious crash.

Black Ice: It is getting to that time of year when black ice can occur on roadways. If your vehicle begins to slide on ice, it is important to understand what to do:

  • Let off the gas: Many vehicle have stability control and will work to auto-correct the problem. Stop accelerating and let your car recover.
  • Let off the brake: Applying the brakes on ice can unfortunately make matters worse. Never slam the brakes on, but gently apply them.
  • Drive slowly: if you notice the temperature beginning to plunge, drive more slowly. Less accidents occur when drivers keep the speeds under 45 MPH during icy conditions.

While we can’t always be in the car with you to avoid hazards, we can help you with your auto and truck insurance questions!

Do I need special insurance to drive for Uber or Lyft?

Rideshare Insurance Roseville, CA

Rideshare Insurance Roseville, CAWhether you are thinking of starting a new career or simply want to make some extra income during your down time, working for companies like Uber or Lyft can be a good move. However, you will need specific insurance to be fully covered as your personal auto insurance policy and the insurance provided by Rideshare companies provides gaps in coverage or potential excess liability.

Ridesharing is defined as: individuals who use their own vehicle to transport people from point A to point B in exchange for money.

If you are considering working for other companies such as DoorDash, Grubhub, Postmates, Uber Eats, Instacart or other delivery type companies, you would want a rideshare insurance policy as well.

A rideshare insurance policy provides coverage during:

  • Waiting for a ride request.
  • When you accept a ride request and are on the way to pick up the rider.
  • When you pick up the rider & drive to the destination.

In what situations does my personal auto insurance cover me?

  • When you are offline or not using the Uber/Lyft app.
  • The period after you’ve dropped off a passenger but are still logged in and are waiting to match with another passenger (for instance, you roll forward and hit another vehicle with no rider in your car).

Does Uber or Lyft or any other rideshare company provide insurance for you?

Uber maintains insurance on your behalf such as third party liability, uninsured/underinsured motorist bodily injury and contingent comprehensive and collision coverage.

However, your current auto insurance policy may offer a rideshare endorsement that can be added to your policy. You may receive additional coverage too that goes above and beyond the limits provided by the Rideshare company. Talk to one of our agents first. We’ll explain the difference in coverage options.

What if I don’t have rideshare insurance & I’m involved in an accident?

The consequences of not having a rideshare insurance endorsement could result in a denial of coverage by your main auto insurance company. Whether you fail to tell them you are using your car for rideshare services or simply didn’t know you needed the insurance endorsement on your main auto policy, could leave you liable for the entire loss. This leaves you with paying for injuries, medical bills, car repairs, property damage etc. if you get into an accident.

If you are considering a career or part time job for any rideshare company, reach out to our agency! Rules and regulations change regularly, so be sure to research yourself what changes may have occurred since this article was written. We can go over many coverage options with you to ensure you have the right insurance protection. Getting the right policy is easy, we just need to know that you’re driving for a Rideshare company and we can get you the right policy.

I Got Hit By Someone Who Doesn’t Have Insurance – Now What?

Uninsured motorist insurance Roseville, CA

Uninsured motorist insurance Roseville, CAAccording to a recent study by the National Association of Insurance Commissioners, approximately one out of every 8 drivers in the United States are uninsured. That’s a staggering figure when you think about your chances of being struck by one.  So, what can you do to protect yourself from an uninsured driver?

The good news is there is a line of insurance coverage specifically for uninsured motorists, called (you guessed it) Uninsured Motorist Property Damage & Uninsured Motorist Bodily Injury coverage. This is an optional coverage that is available to most drivers. Let’s take a closer look at these coverages and see how they work.

Uninsured Motorist Property Damage

Uninsured Motorist Property Damage (commonly referred to as UMPD) pays for losses incurred to your vehicle when it is hit by an uninsured motorist. This coverage may also pay for damages associated with a hit and run driver.

Uninsured Motorist Bodily Injury

Uninsured Motorist Bodily Injury (commonly referred to as UMBI or UM) pays for your medical expenses when involved in an accident with an uninsured driver. UMBI may also cover your passengers who are in your vehicle during a covered loss.

Underinsured Motorist (UIM)

Underinsured Motorist Coverage pays for injuries such as medical expenses, lost wages and settlements from a driver who is at-fault and does not carry enough insurance to cover your losses.

You should also carefully deliberate the amount of insurance coverage that you need. Available options, limits and coverages vary by state. Each state has different requirements and laws when it comes to uninsured motorist insurance. Be sure to ask an agent in our office about these coverages if you’d like them. Contact us with questions!