Road Rage and Auto Insurance

Want to know why “road rage” is not covered by many auto insurance policies? The simple answer is that property damage or liability claims resulting from aggressive driving are not considered to be accidental, but rather, an avoidable consequence of risky behavior.

Even if you’re feeling calm, you don’t want to become part of someone else’s auto accident as a result of their bad driving choices. The following tips may save your bacon on Houston’s high-octane highways:

  1. Stay far away: Slow down or change lanes to leave as much space between you and the offending driver as possible. If you are being tailgated, move aside to reduce the chance of being run into from behind if you are forced to brake sharply.
  2. Note the vehicle details: Pull over and report the aggressive driver to the police. Remember – do not make a call on your cell phone while driving!
  3. Don’t use hand gestures: A middle-finger salute could quickly escalate the situation out of hand if the other driver is already feeling angry, aggressive, or upset.
  4. Don’t confront another driver: In a moment of madness, it may be tempting to follow the person who just cut you off, force them off the road, and teach them a lesson using a tire iron or firearm. Don’t do this.
  5. Practice empathy: Maybe the aggressive driver is running late for work, or just had an argument with his wife. Perhaps the slow driver is lost, or has a mechanical issue with his vehicle. At some point, everyone has been one of those drivers – try not to take the bad driving of others personally.

Stay safe on those crazy roads and if you need auto insurance advice, call your friends at Memorial Insurance Agency in Houston, Texas!

Home Fire Safety Tips

Thank you to our friends at Lighthouse Insurance for the following essential safety advice.

“In a typical home fire, you may have as little as one to two minutes to escape safely from the time the smoke alarm sounds. That’s why home escape planning is so critical in a fire situation. It ensures that everyone in the household knows how to use that small window of time wisely.

Smoke alarms are a key part of a home fire escape plan. When there is a fire, smoke spreads fast. Smoke alarms give you an early warning, so you can get outside quickly.

SMOKE ALARM TIPS

•Install smoke alarms in every bedroom. They should also be outside each sleeping area and on every level of the home. Install alarms in the basement. Large homes may need extra smoke alarms.
•It is best to use interconnected smoke alarms. When one smoke alarm sounds, they all sound.
•Test all smoke alarms at least once a month. Press the test button to be sure the alarm is working.
•A smoke alarm should be on the ceiling or high on a wall. Keep smoke alarms away from the kitchen to reduce false alarms. They should be at least 10 feet (3 meters) from the stove.
•People who are hard-of-hearing or deaf can use special alarms. These alarms have strobe lights and bed shakers.
•Replace all smoke alarms when they are 10 years old.

IF THE ALARM SOUNDS

•If the smoke alarm sounds, get out and stay out. Never go back inside for people or pets.
•If you have to escape through smoke, get low and go under the smoke to find your way out.
•Call the fire department from outside your home.

GENERAL SAFETY TIPS

•Make a home escape plan. Draw a map of your home showing all doors and windows. Discuss the plan with everyone in your home.
•Know at least two ways out of every room, if possible. Make sure all doors and windows leading outside open easily.
•Have an outside meeting place (like a tree, light pole or mailbox) a safe distance from the home where everyone should meet.
•Practice your home fire drill at night and during the day with everyone in your home, twice a year.
•Practice using different ways out.
•Teach children how to escape on their own in case you can’t help them.
•Close doors behind you as you leave.

U.S. fire departments respond to a home fire every 86 seconds. That’s over 1,000 fires a day. Home fires can occur for a variety of reasons, but many are preventable. Over 365,000 fires and 2,650 civilian deaths occur every year, resulting in $7 billion in property damage. Memorial Insurance Agency can help tailor your policy to provide the best coverage for your home and needs in case of a fire”.

The original article can be found here: Home Fire Safety Tips.