Insurance Blog
Wednesday, 14 February 2018 17:31

Don’t Get Scammed Online for Valentine’s Day

Valentine’s Day is today, February 14. The U.S. Department of Homeland Security (DHS) offers tips for protecting yourself online before, during and after the “day of love”:

  • Be wary of "too good to be true" deals. Free flower bouquet offers, all-expense paid trips, free gift cards – if a deal sounds too good to be true, it probably is. Slow down and think twice before clicking on such deals, especially around holidays.
  • Recognize an online dating scam artist. Online dating is more popular than ever. Look for signs that your suitor may be only interested in your money – if they press you to leave the dating website you met through and to communicate using personal e-mail or instant messaging, profess instant feelings of love, or ask for money for a variety of suspicious reasons.
  • Protect yourself and your personal information. Limit the amount of personal information you post online and use privacy settings to avoid sharing information widely. Be careful of where and when you choose to meet someone you’ve met online. Pick public places, let others know where you are going beforehand, and be cautious of what personal information you provide about yourself early on in a date.

Be aware, be prepared. Happy Valentine's Day!

Wednesday, 31 January 2018 19:51

Common Exposures of Ride-sharing Apps

Ever since the first ride-sharing app debuted in 2011, they’ve experienced exponential growth in usage. In fact, in the cities where such apps have joined the market, taxi ridership has declined anywhere from 10 to 30 percent. However, while the popularity of ride-sharing apps is increasing, so is the host of risks associated with using them. Most of the companies are in the stages of infancy, and the situations they’re facing are in uncharted territory.

How Ride-sharing Apps Work

While they’re most commonly referred to as ride-sharing apps, any company that uses an online platform to connect passengers with drivers (using the driver’s own vehicle) is called a transportation network company (TNC). These companies each have their own unique differences, but they all operate under the same basic concept.
Through their smartphones, passengers are matched with available drivers via GPS. Most apps display the driver’s route and estimated time of arrival, in addition to the driver’s name, photo and vehicle information. The TNC gets a cut of the fare, typically between 20 to 25 percent, for each ride a driver completes.

The apps are convenient for passengers and for drivers looking to supplement their income. Still, they’re not without flaws. For example, it can be difficult to determine what regulations the TNC and its drivers need to follow, what insurance coverages apply to them and who is considered liable in the event of an accident.

Tuesday, 30 January 2018 23:48

Safe Driving: Look Ahead, Scan The Roads

Safe Driving Advice from Massachusetts Traffic Safety Coalition

Scanning the road ahead prepares you for hazards in advance. Try to avoid only staring at the pavement directly in front of your vehicle when traveling. Instead, spend more time focused 10-15 seconds down the road and let your peripheral vision pick up any issues immediately in front of you. By focusing further ahead you give yourself an opportunity to react to future emergencies like disabled cars, sudden braking ahead or even a pedestrian about to approach a crosswalk.

It may feel natural to want to focus on what is immediately in front of you, but it’s far safer to keep your eyes on what lies ahead. At 50 MPH you should try to scan ½ mile to a full mile down the road. This will alert you of upcoming issues and help your navigate safely before it’s too late for you to react. With practice, it will be easier and will keep you and your passengers much safer in the process. #MARoadSafety

Source: Massachusetts Road Safety

 

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