Insurance Blog
Items filtered by date: August 2018

While the students enjoy the freedom and fun of summer, the parents start to count down the days until school starts again. One of the more daunting yet exciting times for both parents and teenagers happens during the summer between graduating high school and starting their freshman year of college. This is the start of many big life changes for everyone, which can also bring a lot of stress and questions. As a parent, an important question you may not be thinking about is what coverage your student will have when they go off to college. Are they covered under your homeowners policy? Do they need more coverage?

Many homeowners’ insurance policies provide coverage for your college student while they are away at school. If they are residents of a college dorm, most insurance carriers provide coverage for their personal liability and personal property under the parents’ homeowners’ policy.

Published in Homeowners

One conundrum many drivers face is knowing when to file an auto claim. This is one of the most perplexing questions, especially since there are financial and time constraints tied to claims submissions.

First and foremost, filing a claim can be dependent upon requirements mandated by your auto insurer and state regulations. Time is of the essence; it is imperative for a claims adjuster to be able to investigate the damage in a timely fashion. Here are some situations that can help you determine if you need to submit a claim or not.

Scenarios when a claim must be filed:

  • If you are involved in an auto accident and anyone is injured, you need to file a claim. This is especially important if you may be found at-fault in the accident. Not filing a claim can leave you open to litigation, since injuries may result in medical expenses.
  • Accidents where it isn’t clear who is at fault. A claim should be submitted for auto accidents that result in either injuries and/or property damage as a result of a crash with another party. This allows your insurer to properly represent you. Vehicle damages that may appear minor can actually be deceivingly expensive. Also, sometimes injuries manifest 24 to 48 hours after a crash.
  • Weather-related damage and vandalism. Significant vehicle damage caused by a storm (downed limbs, flooding, etc.) necessitates a claim. As does vehicle vandalism caused by an anonymous vandal.

Claims should be submitted as quickly as possible. Thanks to mobile devices, many people can now file claims directly at the scene of an accident. Steps to consider when filing a claim:

Published in Auto Insurance

Who doesn’t love the sunny, warm days of summer? They’re delightful! But, keep in mind that more time spent outdoors in the heat and humidity can bring on a multitude of risks for pets. As the temperature rises, be mindful of these important safety concerns to help keep your pets safe all season long.

Heat-related tips:

  • The number one heat-related rule, and we’ve all heard this before, is never, ever leave your pet in the car unattended. Even if you park in the shade. Even if you leave the windows open. Even for just a few minutes. Just don’t do it. The temperature can rise to over 100 degrees in a matter of minutes, and it’s even illegal in some states.
  • If taking your dog for walks or playing outside, try to do so in the morning or evening when it may be cooler.
  • Try to avoid prolonged exposure to hot asphalt or sand, both of which can burn the pads on your dog’s paws.
  • Provide ample shade for your pet, with tree shade and tarps being better options than doghouses. Your pet’s doghouse can actually trap heat rather than provide relief from it.
  • Make sure your pet has plenty of cool, fresh water. This goes for drinking and, well, just sitting in it. Many lucky dogs love to take a quick dip in a child’s wading pool filled with clean, cool water. And if they are like my dog, they’ll drink it while they’re sitting in it. Multi-tasking at its best!
  • Believe it or not, you can apply sunblock to your pet’s least hair-covered spots, which are ears, nose, and bellies on dogs, and ears and around eyes on cats. Make sure the sunblock is pet safe, such as epi-Pet Sun Protector Sunscreen. Some typical sunblocks such as zinc oxide can be toxic to pets. And don’t cut your pet’s hair too short. Groomed pet hair, even if it’s long, helps regulate body temperature.
Published in Pet Safety
Wednesday, 01 August 2018 06:02

Camp Fire Safety Tips

How to Build, Maintain & Extinguish Your Campfire

A camp fire can be one of the best parts of camping, or provide necessary warmth to hunters and other outdoor enthusiasts. Just don’t forget your responsibility to maintain and extinguish it to prevent wild fires. With the wild fires in California happening right now, it's time to talk about fire safety to prevent damaging and life-threatening fires wherever you travel.

Keep your camp fire from becoming a wild fire!

BEFORE ...

  • Choose a spot that’s protected from wind gusts and at least 15 feet from your tent, gear, and anything ammable.
  • Clear a 10-foot diameter area around your camp re spot by removing leaves, grass, and anything burnable down to the dirt.
  • Don’t build your camp re near plants or under tree limbs or other ammable material hanging overhead.
  • If allowed, dig a pit for your camp fire, about 1-foot deep, in the center of the cleared area.
  • Build a fire ring around the pit with rocks to create a barrier.
  • Don’t use any type of ammable liquid to start your fire.
  • Gather three types of wood to build your camp re and add them in this order:
    • Tinder - small twigs, dry Kindling – dry sticks leaves or grass, dry needles
    • Kindling - dry sticks leaves or grass, dry needles. smaller than 1” around
    • Firewood - larger, dry pieces of wood up to about 10” around.
Published in Outdoor Tips
Wednesday, 01 August 2018 05:49

6 Essential Travel Tips

Vacations are for reducing stress, not adding to it. Unfortunately, things can happen to make any vacation a stressful experience, no matter how beautiful the locale or destination.

Some things you are not able to control, such as the weather or flight delays. Other things, such as missing documents or stolen credit cards, have the potential to interrupt your fun but do not have to end your vacation if you are prepared.

Before you pack your bags and turn on your email out-of-office message, here are six tips to make your vacation one for the books:

Published in Travel Tips

This article was orginally published by our friends at Plymouth Rock on August 29, 2017. As of this publishing date, all locations mentioned in the article were still open for business. We recommend that you call the restaurant before for you travel.

Craving fried seafood? Whether you live in New England or you’re just visiting, be sure to check out these delicious and authentic New England seafood spots in your area!

Published in Driving Tips
Wednesday, 01 August 2018 04:26

4 Useful Summer Health Hacks You Need to Know

Heatstroke, sunburn, creepy crawlies, and dehydration, oh my! While summer means lots of fun (think, sunshine, sweat and cookouts) it also brings health hazards. Plymouth Rock reviewed four common dangers and got summer health tips from the experts to help keep you and your family safe.

Heatstroke

What it is: Heatstroke is caused by the body overheating, usually from excessive exposure to, or strenuous activity in, high temperatures. Other contributing factors include wearing excess clothing, alcohol consumption and dehydration.

How to treat it: You, or someone you know, might have heatstroke if they are overheated and show unusual signs, including:

  • Slurred speech
  • Nausea
  • Flushed skin
  • Rapid breathing or racing heart rate
  • Throbbing headache

If you start to see some of those signs, seek emergency help immediately. While you wait for emergency personnel, cool down as quickly as you can by moving indoors or into the shade, and removing excessive clothing.

How to avoid it: Avoid activity during the hottest parts of the day. Wear loose clothing, sunscreen, a wide-brimmed hat and drink plenty of water. If you take medications, check to see if they affect your body’s level of hydration. Also, never leave anyone, including pets, in a parked vehicle.

Sunburn

What it is: Literally skin that’s been burned by too much exposure to ultraviolet (UV) light. Skin may be pink or red, feel warm to the touch, swell, be tender, itch or develop blisters. Severe sunburn may be accompanied by a headache, fever, chills and fatigue.

How to treat it: Over-the-counter pain relievers may help reduce pain and swelling from sunburn. Applying moisturizer or aloe vera may also help reduce pain and swelling, and encourage healing. Drink plenty of water to help the skin recover.

How to avoid it: Base tans won’t protect you. Instead, try a broad-spectrum sunscreen with an SPF of 30 or more, and apply it often and generously. You can also sport sunglasses, wide-brimmed hats and special clothing with SPF protection. Read more about protective clothing and its unique SPF rating system.

Creepy Crawlies (Who Knew This Was A Thing?)

What it is: An allergic reaction to a bite or sting from any one of the many bugs that come out to play during the summer. It could be mosquitoes, spiders, bees or ants. You don’t need to have a history of severe allergic reactions to experience one. If you have difficulty breathing, swelling of the lips, eyelids or throat, or have dizziness, hives or similar symptoms, seek emergency help immediately.

How to treat it: If you’re bitten or stung, move away from the area to avoid more bites or stings. Once you’re safe, remove any stingers, if needed, and wash the area with soap and water. Follow with a cold compress to reduce pain and swelling. Over-the-counter medications can also help.

How to avoid it: Bug sprays will help keep some bugs, like mosquitoes, at bay. When it comes to other bugs such as spiders or wasps, be aware of your surroundings. One summer, I accidently upset a yellow jacket nest. The scariest part is that they will chase you when you run. The bad news is swatting at them only makes them angrier. If that happens, try to stay calm (easier said than done, I know), cover your face and run as fast as you can. In my case, I had to grab a garden hose to get them off me.

Dehydration

What it is: When your body uses or loses more fluid than it takes in, it can’t carry out normal functions.

How to treat it: Mild dehydration can usually be reversed by drinking more water. If you’re experiencing extreme thirst, little or no urination, shriveled skin, dizziness and confusion, seek help right away.

How to avoid it: Drink plenty of water or sports drinks and eat foods that have high water content, like fruits and veggies. On really humid days, you’ll want to drink extra water to make up for the extra sweat factor. According to the Institute of Medicine, men should drink 13 eight-ounce glasses of water in a day and ladies should drink nine eight-ounce glasses of water in a day.

Baldwin | Welsh & Parker and Plymouth Rock hope everyone has a safe, healthy and fun summer. 

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Source: Our thanks to PlymouthRock (original articel contains a few small edits)

 

Published in Personal Safety

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