Loudoun Insurance and South Riding Insurance, Northern Virginia Zip 201-221, Near 20152

Does Your Auto Insurance Policy Cover Your GPS?

2008-09-04T12:39:00.003-04:00

Does Your Auto Insurance Policy Cover Your GPS?

If you've recently gone somewhere on vacation and your car did not have a Global Positioning System (GPS), you probably wish it did. GPS systems have become increasingly popular as their prices have dropped. Navigationally challenged drivers who used to decipher hard-to-read maps can now rely on these small devices to help them reach their destinations. However, the popularity of GPS devices makes them particularly attractive to thieves. They are also susceptible to damage in car crashes, like any other item in a car. How will an auto insurance policy cover a stolen or damaged GPS?

Unfortunately, standard policies provide little or no coverage for a GPS. Many older policy editions explicitly state that they do not cover losses to any electronic equipment that receives or transmits data signals. A GPS would seem to fall within that description. More recent policy editions may cover electronic equipment, but only if it is permanently installed in the vehicle. These policies provide a small amount of insurance for electronic equipment; $1,000 coverage is typical.

It is often possible to buy additional coverage for GPS devices. Any car owner with equipment worth more than $1,000 should speak with her insurance agent about buying a special policy form. It increases the coverage to a specific amount shown on the form. Typically, insurance companies will not offer more than $5,000 coverage. Check with your Insurance Agent for details. (www.loudoun-insurance.com)

If the policyholder has an older edition of the policy, she will need a different form to cover a GPS. This form covers sound reproducing equipment; audio, visual and data electronic equipment; and tapes, records and disks while in a vehicle. A GPS device falls within the data electronic equipment category. Coverage applies if the unit is permanently installed in the vehicle or if it is removable from a permanently installed housing unit, designed to be powered solely by the car's electrical system, and in or upon the car at the time of the loss. The form provides coverage for devices in cars the policyholder owns and those she rents or borrows. As with the other form, she can buy coverage in amounts up to $5,000. Check with your Insurance Agent for details. (www.south-riding-insurance.com)

The additional premium for this coverage is normally small. A approx. rate of $4 for every $100 of coverage is typical. For example, the cost for $2,500 of coverage might be around $100.
As car buyers ask carmakers to add more and more gadgets to cars, insurance coverage for those gadgets will continue to evolve. It is unwise to assume that an insurance policy automatically provides much coverage for these gadgets. All insurance buyers should carefully review their policies and ask their agents questions if GPS coverage is a concern. With a GPS and the right insurance coverage, a driver can be confident that she's going in the right direction.
Call us here, at NOVA Insurance Group, for details.

Changing Driving Habits Can Lead to Car Insurance Savings

2008-08-13T16:01:00.004-04:00

Changing Driving Habits Can Lead to Car Insurance Savings

Most Americans are driving less in order to save money on gas. However, decreasing the time you spend in your car can actually make you eligible for another savings opportunity, paying less for your car insurance. If you’ve cut back on your driving, it’s a good idea to contact your agent.
Consumers who are making greater use of public transportation or participating in car pools should contact their insurance company, because significantly reducing the number of miles driven each week could lower the cost of their auto insurance premiums.

Many companies offer low mileage discounts to motorists who drive fewer than 7,000 miles a year. Even though each insurance company calculates rates differently, they all consider how many miles a motorist drives because the risk of an accident increases the more time you spend behind the wheel. (http://www.loudoun-insurance.com/)

However, decreasing the risk of accidents isn’t the only benefit to driving less. The money you can potentially save on premiums is significant. A motorist who drops from the average of 15,000 miles driven per year to 8,000 miles could qualify for a 5 percent premium discount. A driver who goes from 15,000 miles per year down to 5,000 could possibly receive a 15 percent discount. Keep in mind that your insurance carrier may ask for an annual odometer reading to calculate annual mileage. (http://www.south-riding-insurance.com/)

The Insurance Information Institute noted some other ways drivers could save on auto insurance rates. SUV and truck owners who exchange their vehicles for a more fuel-efficient car might also reduce their auto insurance costs. Premiums are generally lower for a $30,000 mid-size sedan than for a large $60,000 SUV. Besides sticker price, an insurance company will determine the coverage rate for an individual vehicle based on factors such as the cost to repair it, its overall safety record and the likelihood that it will be stolen.

Drivers can also lower their auto insurance premiums by taking a higher deductible, maintaining good credit, and dropping unnecessary coverages. If you insure your boat, RV, or motorcycle with the same company, you may qualify for an extra discount on your auto coverage. Feel free to call Khalid Umerani, Agent (NOVA Insurance Group) to discuss further.

Yard Sales can be Risky Endeavours Without Enough Coverage

2008-07-31T12:30:00.004-04:00

Yard Sales Can Be Risky Endeavours Without Enough Coverage

One of the favorite rituals of the spring season is the yard sale. Homeowners, here in South Riding Virginia 20152 like everywhere else, love them because they change cleaning from a dreaded chore into a profitable enterprise. However, the whole experience can quickly turn into a nightmare should someone slip and fall, and you are considered legally liable. That’s why it is necessary to know exactly what your homeowner's insurance covers before you tag the first piece of merchandise. (www.south-riding-insurance.com)

The standard homeowner's policy provides you with $100,000 liability coverage for bodily injury or property damage that you or your family members cause to other people. This coverage extends to both the cost of defending you in court and any judgments against you, up to the limit of your policy. We, here at NOVA Insurance Group (www.loudoun-insurance.com), we feel $300,000 to $500,000 is a more adequate limit in Loudoun & Fairfax counties.

Another feature of the liability protection provided by your homeowner's insurance is the no-fault medical coverage. This is designed to permit a person who is injured on your property to submit their medical bills directly to your insurance company, eliminating the need for a lawsuit. Most policies include between $1,000 to $5,000 worth of no-fault medical coverage.

Of course, we live in a society that loves any opportunity to sue, so it may be wise to add to your liability protection. As a first step you can increase the amount of liability coverage provided by your homeowner's policy to $300,000 or $500,000. For additional protection, you need an umbrella or excess liability policy. This type of coverage typically costs between $200 to $350 per year for $1,000,000 of additional liability protection.

The Insurance Information Institute (I.I.I.) offers the following list of points you should consider about insuring your yard sale:

One-Time Event - Yard sales that are one-time events for the sole purpose of selling unwanted personal items are usually covered under a standard homeowner's policy. However, it is important to have enough coverage, so be sure to check with your insurance agent.

Frequent Yard Sales - If you plan to have frequent yard sales, you should purchase a separate policy for business liability, or an in-home business policy.

Charity Fund Raiser- If the purpose of the sale is to raise money for a charity; you will probably be covered under your homeowner's insurance policy. But it's also a good idea to contact the charity to see what type of insurance protection they can extend you.

Ways to Reduce Your Motorcycle Premiums

2008-07-15T09:47:00.003-04:00

Ways to Reduce Your Motorcycle Premiums

Buying insurance coverage for your motorcycle can be expensive as bikes present a higher risk than automobiles. They’re more susceptible to accidents caused by bad weather and poor road conditions. They are also less visible to other drivers, and less stable than cars. Want a competitive quote; contact us at www.loudoun-insurance.com or at NOVA Insurance Group (tel: 703-263-7800). We're centrally located at the Chantilly (20151), Fairfax County / South Riding (20152), Loudoun County border.

In spite of this, you want to be sure you have sufficient coverage for your bike, because you‘ve likely invested a lot of money in it. To help you find the best coverage for the best rates, the Insurance Information Institute offers the following tips:

Get seasonal coverage - Most bikers aren’t road warriors who consistently ride their bikes all year long. If you store your bike for several months out of the year, there's no need to fully insure it. Many insurers offer seasonal policies that cover your bike for six to nine month periods of actual usage.

Take a motorcycle-safety course - Some states require these courses before they'll issue a motorcycle license. Even if your home state doesn’t require it, you may be eligible for a 10 to 15 percent discount on your policy for completing one. Before signing up for a program, it’s a good idea to contact your insurer. Some companies only recognize certain programs. If you've been riding for a while, you might be able to get a discount for taking a refresher course.

Increase deductibles - A deductible is the amount of money you have to pay before the coverage kicks in. The higher your deductible, the lower your premiums. When choosing a deductible, make sure you can afford to pay out-of-pocket for any costs that are incurred before your insurance kicks in.

Ask about multiple bike discounts - If you've got more than one bike, or live with someone else who rides, you can usually get a discount. Likewise, it might be worthwhile to insure your motorcycle with the same company that covers your car. Call us at NOVA Insurance Group (www.south-riding-insurance.com) 703-263-7800.

Install anti-theft devices - If you financed your bike, you've probably taken out comprehensive coverage. Comprehensive protects against theft, fire, and other damages not caused by an accident. Some companies offer a discount on comprehensive coverage if you utilize an anti-theft device.

Maintain a good driving record - Insurance companies analyze your driving history to determine rates. How you drive a car usually indicates how you'll ride a motorcycle. If you've only recently obtained a driver's license, you might want to wait a year or two before getting a motorcycle. If you maintain a good driving record, your rates will be lower once you're considered an "experienced" driver.

Ride with a group - Membership in a motorcycle club, such as the American Motorcycle Association, BMW Motorcycle Owners of America, Harley Owners Group or Retreads can also save you some money on your the insurance premium.

U.S. Coast Guard Safety Initiative Asks You to Boat Responsibly

2008-07-01T09:22:00.005-04:00

U.S. Coast Guard Safety Initiative Asks You to Boat Responsibly

As boating season approaches, the U.S. Coast Guard is once again expressing concern over the continuing increase in boating fatalities and injuries, and plans to step up its safety education for boaters. Statistics show that for the second consecutive year boating fatalities increased (710 deaths in 2006) as did the number of reported injuries. The reports also reveal some other disturbing facts:

Two-thirds of all fatalities were due to drowning and 90 percent of the victims were not wearing a life jacket. Simply put, over 50% of boating deaths could have been prevented if the victims had worn a life jacket.

Alcohol was the leading contributing factor in approximately one-fifth of all boating fatalities.
About 70 percent of all boating fatalities occurred on boats where the operator had not received boating safety instruction.

The most reported type of accident was a collision with another vessel. (Talk to www.south-riding-insurance or www.loudoun-insurance.com for a comprehensive Boat Insurance Policy). However, capsizing and falls overboard are the most reported types of fatal accidents and accounted for the vast majority (59 percent) of all boating fatalities.

Overall, operator inattention, carelessness/reckless operation, excessive speed and passenger/skier behavior are the leading contributing factors of all reported accidents.

Here are some simple tips boat owners and their passengers can take to insure their safety while enjoying recreational boating:

Wear your life jacket - As evidenced above, wearing a life jacket is the single most important thing you can do to ensure your safety on the water. And it doesn't matter how great of a swimmer you are, you should still wear a life jacket!

Take boating safety courses - Boat owners, operators and passengers should complete courses offered by the U.S. Coast Guard Auxiliary and others. The Coast Guard Auxiliary encourages everyone who might be put in a position of having to take command due to incapacity of the owner/operator to take a basic safety course. Here at NOVA Insurance Group, we can provide you some additional info. materials.

America’s Boating Course (ABC) is a new electronic, basic boating course produced through a partnership between the U.S. Coast Guard Auxiliary and the United States Power Squadrons®. It’s available online at www.AmericasBoatingCourse.com and on CD-ROM.

Get a free Vessel Safety Check - Boat owners are encouraged to take advantage of free safety checks offered by the U.S. Coast Guard Auxiliary. It’s your best way to learn about potential problems that might put you in violation of state or federal laws, or — worse — create danger for you or your passengers on the water. Vessel Examiners issue no citations. And there are no penalties for not successfully completing a Vessel Safety Check.

Don't drink and boat - In the marine environment — motion, vibration, engine noise, sun, wind, and spray intensify the effect of alcohol and drugs. These “stressors” cause fatigue — and dramatically affect a boat operator’s coordination, judgment, vision, and reaction time.
Levels of blood alcohol or medications that would have little impact on land can potentially cause a much greater degree of impairment for the operator of a boat. So never boat under the influence!

The complete 2006 Boating Statistics report is available from the U.S. Coast Guard Office of Auxiliary and Boating at http://www.uscgboating.org/statistics/boating_statistics_2006.pdf.

Outstanding Loudoun Insurance - Allstate Regional Champion's Award

2008-06-21T08:08:00.004-04:00

Allstate Loudoun Insurance Award!

Khalid Umerani of Chantilly (Fairfax County and Loudoun County Insurance) has been recognized by Allstate Insurance Company for high standards in customer satisfaction, customer retention and financial service sales. Umerani has achieved the distinctive Allstate Regional Champion's award, which is Allstate's symbol of outstanding achievement. Khalid Umerani can be reached at 703-263-7800.

Dulles South - Loudoun Insurance Press Release

Endorsement or Separate Policy - What's the Best Way to Insure Your Motorcycle?

2008-06-18T14:45:00.004-04:00

Endorsement or Separate Policy: What's the Best Way to Insure Your Motorcycle?

As the weather warms up, more and more riders will be hitting the streets with their motorcycles, here in South Riding 20152, Stone Ridge 20105 and Brambleton 20148. Whether you’re a weekend rider or a hardcore road warrior, you want to be sure your valuable bike is covered for any contingency.

As a motorcycle owner, you are faced with the decision of whether to insure your bike by adding an endorsement to your auto insurance policy, or by buying a separate policy. It’s important to understand the differences between the two so you can choose the option that best suits your needs. Remember, different insurance companies offer varied coverages and policy types, whether it's Fairfax or Loudoun County Insurance your'e obtaining!

An endorsement is a document that is added to a basic policy either at the time the policy is purchased, or during its term, which becomes part of the policy and increases the coverage provided by that policy. If you insure your motorcycle by adding an endorsement to your Fairfax or Loudoun auto insurance, you will only have one insurance bill to pay to cover both your car and your bike.

However, there are certain disadvantages to insuring your motorcycle this way. In most cases, you cannot customize your insurance with an endorsement. You are locked in to the same coverages, limits, and exceptions for your bike that apply to your car. That’s why it is important to discuss with your insurance agent what a motorcycle endorsement covers and how it's covered before you add it to your auto policy.

Your insurer may offer you the choice of purchasing separate coverage for your motorcycle. While motorcycle insurance does vary by state and insurance company, one thing remains the same; your driving history and credit score may impact your eligibility. Riding a motorcycle is a higher risk activity than driving a car; if you have a number of tickets or accidents on your driving record, you may be considered too high a risk for the insurance company to extend separate coverage.

If you qualify, there are certain advantages to having a separate policy. Because these policies are created specifically for motorcycles, they offer more coverage options. For example, a motorcycle policy allows you to choose higher liability limits than you have on your auto insurance.

One of the great things about owning a bike is the ability to personalize it, but many of these customizations aren’t covered unless you purchase a separate motorcycle policy. Typically, a basic motorcycle policy will extend coverage for custom parts and equipment up to a specific limit, such as $1,000. If your custom accessories or parts are worth more than the basic policy limit, it's a good idea to purchase additional coverage to cover those parts in case they're ever damaged. Also, be sure to ask for a list of the specific custom parts that are covered, and any exclusions that may apply.

Keep in mind that although you will be paying a separate premium for motorcycle insurance, you may qualify for discounts, here at NOVA Loudoun Insurance Group. Many insurers offer discounts for multi-motorcycle policies, mature drivers, and insuring both your auto and motorcycle with the same company. In some instances, you can receive a discount for attending safety training programs, or for becoming a certified motorcycle safety instructor.

Understanding and Preventing Carbon Monoxide Poisoning

2008-06-10T10:03:00.005-04:00

Understanding and Preventing Carbon Monoxide Poisoning

A chill is in the air, signaling that it's time to make preparations for winter. One preparation you should incorporate into your yearly routine is to check your carbon monoxide (CO) detector and make your home safe for the winter. http://www.south-riding-insurance.com/

Carbon monoxide is an odorless, colorless, invisible gas that is created by the incomplete combustion of fossil fuels such as gas, wood, propane, and oil. Carbon monoxide does damage by replacing oxygen in bloodstream, leading to suffocation. Symptoms of carbon monoxide poisoning vary from flu-like symptoms such as headache, nausea, and dizziness, to more severe symptoms such as difficulty breathing and unconsciousness. Carbon monoxide poisoning can result in death.

The good news is that you can prevent carbon monoxide from ever becoming a threat to you and your family. Routine maintenance of your home heating and cooking sources, as well as vehicles and generators, can make the difference in your exposure to carbon monoxide. The U.S. National Safety Council states that of deaths involving unintentional poisoning by gas or vapors, more than one-third involve motor vehicle exhaust and more than one-fourth involve heating or cooking equipment.

The National Fire Protection Association recommends installing carbon monoxide alarms in your home. It is critical that you follow the guidelines to ensure safe and proper usage of the alarms.
o Only purchase an alarm that is listed by a qualified, independent testing laboratory.
o Many alarms need replacing within two to five years. Make sure to note the date you installed your alarm so you can comply with the manufacturer's suggestions for replacement.
o If you purchase a battery-powered alarm, examine the type of batteries required. Some alarms have special battery packs designed to last approximately two years, while others may need to be changed yearly.
o Locate the alarm in a central location outside each sleeping area in the immediate vicinity of the bedrooms.
o Keep your local fire department's number for carbon monoxide calls with your other emergency numbers for quick access.
o Test the alarms once every month to ensure they are in good working order.

If your carbon monoxide alarm should go off, leave the building immediately. Leave the doors open when you leave and turn off heating and cooking equipment. Call your local fire department and following an all-clear, have all your equipment inspected by a qualified technician. And lastly, get medical attention as necessary. Do not ignore signs of carbon monoxide poisoning, even if they appear to be minor. By following these tips, you can ensure your safety from carbon monoxide throughout the winter and year-round. (http://www.loudoun-insurance.com/)

Factors to Consider Before You File a Claim

2008-05-27T11:25:00.004-04:00

Factors to Consider Before You File a Claim

Most of us have had insurable homeowner's or automobile losses at one time or another and wondered whether or not to file a claim. The two questions that run through one's mind during such trying times are fairly uniform - If I file a claim will my insurer raise my rates? Or - will they drop me like a hot potato?

Often, small claims under $500 may not affect your individual premiums if they are few and far between. Insurers vary, however, in their underwriting of accounts with losses, particularly "at-fault" losses. Two or three claims a year on a given policy will signal to most insurers that you are a problem insured. To complicate matters, you need to consider the effect of even one claim on your ability to obtain insurance elsewhere. Some companies take a long hard look at any applicant who has had claims with their current or previous carriers in the past three years. For our clients living in Chantilly 20151, South Riding 20152, Brambleton / Ashburn 20148, and Aldie / Stone Ridge 20105, we always engage in a meaningful discussion before proceeding further with filing a claim.

Consumer watchdog groups have been critical of one method used by most insurers in the underwriting process for personal lines applicants - the use of a shared database called CLUE (Comprehensive Loss Underwriting Exchange). This database is tapped by insurers not only to investigate the person or persons behind the application, but in the case of homeowner's insurance, the property as well. Participating insurers report all claims, large and small, even ones not resulting in a payout. Realtors hate this system because it often signals problems with properties that they feel unnecessarily complicate a home sale. You need to know that your record is affected by the reporting of the claim much in the same way that your credit is affected by late payments or financial default. South-Riding-Insurance and Loudoun-Insurance are equally affected by this database.

So when should you file a claim with your auto or homeowner's insurance? Common sense says if the repairs cost less than the deductible, you're better off paying for the repairs on your own. With this in mind, you may even want to consider taking a higher deductible on your insurance to lower your rates. Take the money you save on the lower rates and deposit it into a savings account. In the event you are involved in an accident, you will have the money for the repairs even if the cost is slightly higher than your deductible.

If you have an automobile accident and there is another car involved, or there is someone else in the car with you, you definitely need to let your insurance company know about the accident - regardless of deductible or repair costs. Same with a third party slip and fall in your home. This protects you and your insurance company, as you can never be certain if the other driver, additional passenger or any other third party will decide to file a claim at a later date. When someone else is involved, it is important to get your side of the story on record with your insurer and, in many cases, the police as well. Keep in mind that each claim scenario is different and has different implications for you as an insured. If your windshield cracks as a result of a stone hitting it on the highway, your insurer will consider it an "act of nature" and will not assign fault to you as the driver. On the other hand, if the damage is only slightly higher than the deductible and the claim comes close on the heels of another recent and more serious claim, you may do well to bite the bullet and pay the difference out of your own pocket. We, at NOVA Insurance Group (in South Riding, VA 20152) can help you assess the likely costs and benefits of filing a borderline claim. It is important to note that policy language varies from company to company with respect to your responsibility to report a claim, i.e. information needed, timeliness of reporting, etc. Read the policy carefully and consult with your agent any time a significant property loss occurs and/or a threat of legal action or actual lawsuit develops. Do not let indecision or carelessness prejudice your ability to rely on the coverage you may one day desperately need.

Using a Cell Phone While Driving Is Similar to Driving Under the Influence

2008-05-22T10:17:00.006-04:00

Using a Cell Phone While Driving Is Similar to Driving Under the Influence

A 2005 study conducted by the Insurance Institute for Highway Safety found that drivers who use cell phones while driving were four times more likely to get involved in an accident. It also concluded that accident risk wasn’t affected by whether the driver was using a hand-held phone or a hands-free phone. Reference cell-phone restrictions, in Virginia (including Loudoun county - South Riding 20152, Stone Ridge / Aldie 20105 and Ashburn / Brambleton 20148; and Fairfax county - Chantilly 20151), there is currently no hand-held ban, except drivers younger than 18, and school bus drivers. www.south-riding-insurance.com

New research from Carnegie Mellon University shows that just listening on a cell phone while driving is enough to distract a driver. In this study, 29 volunteers used a driving simulator while inside an MRI brain scanner. They steered a car along a virtual winding road, driving at a high, fixed rate of speed. They were tested while driving undisturbed, and while driving and trying to decide whether a sentence they heard was true or false. The researchers measured activity in 20,000 brain locations, each about the size of a peppercorn.

After a thorough analysis of the data, the researchers were able to conclude that:
When the drivers were tested while listening to the sentence to see if it was true or false, they lost 37 percent of the normal activity of their brain’s parietal lobe. This is significant because this area of the brain is the one motorists rely on the most when driving. The parietal lobe assimilates all the information the body receives from the senses, and uses it to determine how near/far perceived objects are. There was also a decrease in the activity of the occipital lobe, which assimilates visual information.

When the drivers were tested while listening, they lost their ability to control the car. They not only were unable to stay in their lane, but they frequently hit objects such as guardrails. These are the kinds of driving errors most closely associated with motorists who drive while under the influence of alcohol. www.loudoun-insurance.com

Protect Your Precious Cargo on the Road This Summer

2008-05-14T14:53:00.006-04:00

Protect Your Precious Cargo on the Road This Summer

With the warmer months upon us, many families are planning to hit the road for their beloved summer vacation. If you are traveling with children this season, you’ll need to take some extra precautions.

Because babies and children can cause countless distractions like crying, spills and sibling scuffles in the backseat, parents often lose their focus on the road. While these disturbances are usually unavoidable, there are some things you can do to ensure that your family arrives safely.
As you make your way towards your final destination, remember that your family’s safety should always come first.

Here are a few tips to keep in mind as you load up the family car for this year’s road trip:

- Review your insurance coverage
A couple of weeks before you hit the road, take a look at your auto insurance plan. You may find that it’s time to upgrade your policy, especially now that you are traveling with a baby or young child. Faced with huge responsibility of raising a child, new parents often decide to increase their liability or property damage coverage to ensure their family is protected financially. Allow our agency, NOVA Insurance Group in Chantilly / South Riding 20152 to review your existing insurance policy paperwork. (www.Loudoun-Insurance.com)

- Double check child seats
Many parents unknowingly make mistakes while installing child safety seats and booster seats in their cars. Sadly, children suffer from serious injuries and die in car crashes every day due to the misuse and incorrect installation of child seats, according to the National Safety Belt Coalition.
Are you certain that your child’s seat is installed properly? Even if you think your seats are good to go, it’s well worth double checking. Visit http://www.nhtsa.dot.gov/people/injury/childps/Contacts/index.cfm for a listing of certified child passenger safety technicians in your town. One of these experts can show you how to correctly install and use your child’s safety or booster seat. The fire depts. in Brambleton 20148 and Aldie / Stone Ridge 20105 can assist with this effort also!

- Play it safe with special mirrors
Child safety mirrors are extremely popular with parents who frequently travel with their kids in tow. These mirrors, which easily attach to your rear view mirror, allow you to keep your eyes on the road while occasionally checking on your kids in the backseat. It’s like having another pair of eyes in the back of your head—your kids know you can see them at all times, so they’ll be less likely to start trouble.

If you are traveling with a baby in a rear-facing car seat, you may consider installing an infant mirror. These mirrors attach to the back window or back seat headrest so you can see what your baby is up to every time you peek in your rear view mirror. An added plus is that baby gets to check out his reflection on the road—an activity that provides endless entertainment for many infants.

- Keep the kids entertained
We all know that as soon as kids get bored, they start acting up. Try to keep the kids entertained on the road by packing some fun activities, like puzzles, games or coloring books. You may even consider purchasing a portable DVD player so they can watch their favorite movies or play video games in the car. The happier your kids are on the road, the fewer distractions they’ll create. This will help you stay focused on driving safely. (www.south-riding.insurance.com)

- Make frequent pit stops
If you’re on a particularly long drive, make sure to take plenty of breaks. Try to stop every couple of hours at a park, restaurant or even an interesting historical site. This will allow everyone to stretch their legs, burn some energy and feel refreshed and ready to face the rest of the trip.

Northern Virginia and Loudoun Long Term Care Insurance

2008-05-11T09:50:00.001-04:00

Virginia Long-Term Care Insurance is a fairly recent phenomenon, due in part to the rapidly aging yet longer-living population, retirement planning of the "baby boomers", and quickly escalating long-term health and medical costs that aren't typically covered by traditional health insurance or Medicare. This type of insurance is especially helpful for those who develop disabilities or chronic (long-lasting) illnesses later in life. Long-term care services range from home- and community-based services to services provided in an assisted living, retirement or nursing facility. All services are typically designed and intended to improve or maintain an individual's health in the least restrictive setting that ensures their physical and mental health, safety, and welfare. As well, services facilitated by long-term care insurance providers include help with daily living activities among the wide variety of home, facility and community settings.

Read more about Northern Virginia and Loudoun Long Term Care Insurance....

Ensure Your Boating Experience Is a Real Pleasure Cruise

2008-05-07T16:03:00.004-04:00

Ensure Your Boating Experience Is a Real Pleasure Cruise

Published reports from the U.S. Coast Guard show that boating deaths and injuries increased for the second consecutive year in 2006. Aside from the disturbing trend in boating deaths, the biggest change was actually in the amount of property damage, $43 million in 2006 as compared with $38 million in 2005. www.south-riding-insurance.com

These statistics should serve as a powerful reminder to all watercraft owners to review their insurance coverage. Owners of canoes, small sailboats, and small engine powerboats (many of them residing in South Riding 20152, Chantilly 20151, Aldie / Stone Ridge 20105 and Ashburn / Brambleton 20148) generally have limited coverage for physical damage included with their homeowner's insurance policy, but liability coverage has to be added as a policy endorsement. Physical damage coverage is typically equal to 10 percent or less of their home's property value. If you find the coverage limits offered by your homeowner's policy to be insufficient, you'll likely need a separate boat insurance policy.

Since no coverage exists under a homeowner's policy for larger boats, yachts, jet skis and wave runners, a separate boat insurance policy is a must. Coverage for physical damage includes the hull, machinery, fittings, furnishings and permanently attached equipment up to pre-determined amount. Such policies also provide additional protection for:

- Injuries to another person
- Damage to someone else’s property
- Legal expenses incurred by someone using the boat with the owner’s permission
- Injuries to the boat owner and other passengers

Even though you may have solid Boat insurance coverage thru NOVA Insurance Group in South Riding 20152 (Virginia), www.loudoun-insurance.com the Insurance Information Institute (III) offers the following suggestions to help you avoid having to file a claim:
- Check weather forecasts before heading out.
- Let someone know where you’re going and when you expect to return.
- Check engine, fuel, electrical and steering systems, especially for exhaust-system leaks.
- Carry one or more fire extinguishers, matched to the size and type of boat. Keep them readily accessible and in condition for immediate use.
- Equip the vessel with required navigation lights and with a whistle, horn or bell.
- Don’t overload. Distribute weight evenly.
- Don’t stand up or shift weight suddenly in a small boat; and don’t permit riding on the bow, seatbacks or gunwales.
- Be sure you bring paddles or oars, a first-aid kit, a supply of fresh water, a tool kit and spare parts, a flashlight, flares and a radio.
- Make sure that every person on board wears a life jacket.
- Never operate a boat while under the influence of alcohol or drugs.

Get a Clue on the Claims History of Your Future Home

2008-04-25T11:31:00.004-04:00

Get a Clue on the Claims History of Your Future Home

Buying a home can be a minefield if you don’t educate yourself about the process first. Many of the savviest homebuyers don’t have a clue as to the importance of a CLUE report.

The Comprehensive Loss Underwriting Exchange (CLUE) database is maintained by ChoicePoint, one of the country's largest compilers of personal consumer data. It is designed to permit homeowner and auto insurers to exchange information about claims for loss of property, without notice to you unless required by your state. Approximately 90 percent of all insurance companies that underwrite homeowner's insurance are subscribers of the service. www.south-riding-insurance.com

Actual property loss claims, as well as inquiries about coverage, are entered into this central database. When you buy a house and apply for homeowner's insurance, the insurance company can access the CLUE database and see both the past claims filed on the house and any inquiries about damages, even if no claim was ever filed. This information may cause your dream house to become an insurance nightmare if no insurer is willing to cover it. CLUE database covers properties in Loudoun County (South Riding 20152, Stone Ridge/Aldie 20105, Brambleton/Ashburn 20148) as well as Fairfax County (Chantilly 20151).

What’s more, it isn’t only your new house’s past claims that insurers examine. Your old claims could come back to haunt you. In fact, you may find that your new homeowner's policy comes with a high price tag because of the previous claim history on your old home.

So, how can you keep CLUE from blocking your ability to obtain insurance or causing you to pay higher premiums? Know your rights. CLUE reports are treated like any other credit report under the Fair Credit Reporting Act (FCRA).

According to The Privacy Rights Clearinghouse, you are entitled to:
- Obtain a copy of your CLUE report and insurance scores. Under recent amendments to the FCRA, called the FACT Act, you are entitled to one free copy of your CLUE report each year.
Be notified by the insurer if they intend to take an "adverse action" based on information in the CLUE report. Examples of adverse actions include denial of a new policy or a new policy premium that costs more because of negative factors.
- Obtain another copy of your CLUE report, in addition to the free one you are entitled to annually, if you have been denied insurance, your policy has been cancelled, your coverage has been limited, or your premiums have increased.
- Dispute inaccurate or incomplete information included in the CLUE report. ChoicePoint must investigate disputes.
- File a statement that must be included in all future reports if you are not satisfied with the investigation.

If you need to dispute information on your CLUE report, log on to the ChoicePoint site at http://www.consumerdisclosure.com/, and follow the instructions.

Keep in mind, that when buying a home, your real estate agent will need to help you obtain a CLUE report on the property because you cannot request a report on a house you don’t own.
www.loudoun-insurance.com

Is a Home Security System Right for You?

2008-04-18T11:41:00.004-04:00

Is a Home Security System Right for You?

We are a nation of conspicuous consumers, filling our homes with all kinds of electronics from computers to Wii consoles. While all of these gadgets are designed to make staying at home more fun, owning them can make your home an attractive target for burglars. According to 2006 FBI crime statistics, 66.2 percent of all reported burglaries were home break-ins. The average dollar loss per burglary offense in 2006 was $1,834. If you have a lot of expensive personal belongings, installing a home security system may be a good idea, even here in South Riding 20152 and Aldie / Stone Ridge 20105 (Loudoun County), and Chantilly 20151 (Fairfax County). Contact us via http://www.south-riding-insurance.com/.

In addition to protecting your valuables, you may also want to consider the need to protect your family’s safety. FBI statistics show that 63.1 percent of all home burglaries in 2006 happened during the day. What would happen to you and your family if a burglar attempted to break in while you were home? Installing a home security system provides you with peace if mind, knowing that your loved ones are protected.

When you are tying to decide if you should install a security system, here are some other things you should consider:

- Are you living in a high-crime area? (usually NOT a problem for South Riding 20152, Stone Ridge / Aldie 20105, Ashburn / Brambleton 20148 or Chantilly 20151) – Long time residents in a neighborhood know the likelihood of their home being burglarized. If you live in a high-crime area, you probably need a security system. If you’ve just moved into a neighborhood, do some research to find out how high a risk there is for being burglarized so you can determine if you need additional security.

- Is your home inviting to burglars? – There are certain circumstances that mark your home as a target, such as living in a ground floor apartment, being surrounded by thick bushes and trees, having old doors and windows that are easy to break into, or living on a poorly-lit street where people are seldom around. If any of these descriptions apply to your home, you may want to consider a home security system. Fell free to connect with us at NOVA Insurance Group.

- How expensive is it to own a system? – There are a number of security systems to choose from, with a wide range of prices. Keep in mind that the more sophisticated the technology, the higher the price. However, you should be able to find something within your budget that will give you the protection you need.

- Does your homeowners insurance offer a discount if you install a system? – Most insurance companies will give you a premium discount if you install any kind of home security system. The amount of the discount will depend on the type of system you choose. If you install a home security system that has monitoring services, the discount can range up to 20 percent. Check with your insurance agent (http://www.loudoun-insurance.com/) to see what your insurer offers.

- Are there steps you can take to minimize the need for a security system? – There are some low tech ways to burglar proof your home, such as, installing dead-bolt locks, replacing hollow doors with doors made of metal or solid hard wood, installing a wide-angle peephole in the door, replacing old or cracked windows, installing removable rods to prevent windows from being opened, and pruning bushes and trees that surround your house.

- Consider also installing Security Screens or Alarm Screens - allowing fresh air and light in, while keeping intruders out. National Security Screens is a reputable local provider of this type of security.

Ensure Your Next Party Doesn't Turn into a Liability

2008-04-11T17:00:00.004-04:00

Ensure Your Next Party Doesn't Turn into a Liability

There’s nothing like the combination of good food and good friends. Whether it’s a potluck dinner for a few of the neighbors, or a wedding for 500 guests, these are events that make memories. However, those memories could easily turn into bad ones if one of your guests leaves your home intoxicated and gets behind the wheel.

Most people are aware that businesses like restaurants and bars have legal obligations to stop serving alcohol to visibly intoxicated patrons. But you may not be aware that in some states, individual hosts also have legal responsibilities when it comes to serving alcohol. Legislation called “social host” laws makes you responsible for the actions of your inebriated guests after they leave your party venue. Currently, 33 states and the District of Columbia have social host laws according to Mothers Against Drunk Driving (MADD). One needs to pay special attention to similar laws, even here in South Riding (20152), Chantilly (20151), Aldie and Stone Ridge (20105) and Brambleton (20148), all located in Fairfax and Loudoun Counties. www.south-riding-insurance.com

There are specific circumstances that must be present for a social host to be liable for the injury or damage caused by an intoxicated guest:
- They were aware, or should have been aware, that the guest who caused the injury/damage was intoxicated.
- They knew that the guest who caused the injury/damage would be driving after they left the gathering.
- There are some ways to protect yourself from liability if you do serve alcohol at your next party:
- Stop serving alcohol after a couple of hours and serve coffee instead.
- Make sure there is plenty of food available for your guests to eat while they are drinking.
- Have designated drivers to take intoxicated guests home.
- Keep a list of cab companies’ phone numbers by the telephone so that it is accessible if you need to call a cab for a guest who shouldn’t drive.
- Remain sober so that you can monitor your guests’ sobriety level.
- Another good way to protect yourself from liability is to check your homeowner's policy before your next party to determine what your coverage is for property damage and liability. In the event of an incident, your homeowner's policy would pay for covered liabilities up to the policy limit. You should also consider purchasing a personal liability umbrella policy for increased protection.
- Apartment dwellers and owners of condos and co-ops typically aren’t covered for liability and personal property damage under their building’s insurance policy. Generally, the building policy only covers the common areas. That’s why renters should have renter's insurance, and condo and co-op owners should purchase a HO-6 homeowner's policy that is specifically designed for their needs. They should also review their condominium or co-op association's master policy to determine what their responsibilities are in the event of an incident.

If you hire professional caterers and bartenders for your event, don’t assume that you are covered under their liability insurance. You must be specifically named on the policy to be covered in the event of an accident. However, if you are named on your party professionals’ liability policy, their insurance company will defend you if you are sued. That’s why it’s important to verify that they have liability insurance, the specific situations that are covered, any exclusions, and if you can be a named insured on the policy. www.loudoun-insurance.com

NAIC Offers Tips to Expedite Your Insurance Claim

2008-03-21T16:42:00.004-04:00

NAIC Offers Tips to Expedite Your Insurance Claim

Filing an insurance claim can seem like an overwhelming task, but it does not have to be. The National Association of Insurance Commissioners has put together the following tips to help policyholders facilitate the process:

Know your policy - Your insurance policy is a contract between you and your insurance company. Know the terms of that contract, including what's covered, what's excluded and the amount of any deductibles.

File claims as soon as possible - Call your agent or your insurer's claims hotline as soon as possible. Your policy might require notification within a certain time frame.

Provide complete, correct information, including city, state and ZIP, such as Chantilly 20151, South Riding 20152 and Aldie 20105 (Stone Ridge) - Be certain to give your insurance company all the information they need. Incorrect or incomplete information will only cause a delay in processing your claim.

Keep copies of all correspondence - Write down information about your telephone and in-person contacts, including the date, name and title of the person you spoke with and what was said. Also, keep a record of your time and expenses.

Ask questions - If there is a disagreement about the claim settlement, ask the insurer for the specific language in the policy that explains the reason why the claim was settled in that manner. If this disagreement results in a claim denial, make sure you obtain a written letter explaining the reason for the denial and the specific policy language under which the claim is being denied. If you have a dispute with your insurer about the amount or terms of the claim settlement, you should contact your state insurance department for assistance.

Make temporary repairs to protect property from further damage - Your auto/homeowners policy might require you to make temporary repairs. If possible, take photographs or video of the damage before making such repairs. Your policy should cover the cost of temporary repairs, so keep all receipts. Also, maintain any damaged personal property for the adjuster to inspect.
Don't make permanent repairs - An insurance company may deny a claim if you make permanent repairs before the damage has been inspected.

Try to determine what it will cost to repair your property before you meet with the claims adjuster - Provide the claims adjuster with records of any improvements you made to your property. Ask the claims adjuster for an itemized explanation of the claim settlement offer.
Don't rush into a settlement - If the first offer made by an insurance company does not meet your expectations, be prepared to negotiate. If you have any questions regarding the fairness of your settlement, seek professional advice.

Candle Fires Present a Burning Problem

2008-03-04T14:22:00.005-05:00

Candle Fires Present a Burning Problem

The National Fire Protection Association (NFPA) estimates that in 2005, the most recent year for which statistics are available, candles caused at least 15,600 home fires (Property / Homeowners Insurance losses), accounting for 4 percent of all reported home fires that year. These fires resulted in an estimated 150 deaths, 1,270 injuries and direct property losses totaling $539 million, including in Fairfax (Chantilly) and Loudoun Counties (South Riding) - ZIP 20151, 20152, 20147, 20148, 20105, 20170, 20171, 20120, 20121, 20175, 20176 etc.

Most common causes of candle fires:
-50 percent were caused when combustible material was placed too close to a lit candle.
-18 percent were caused when a lit candle was left unattended.
-12 percent were caused when someone fell asleep while a candle was still burning.

NFPA data shows that 38 percent of all reported candle fires started in the bedroom. However, the living room, family room, and den were most often the scene of deaths caused by candle-related fires. Why is the number of candle-related fires so high? It has grown in direct proportion to the increase in candle usage in this country. The National Candle Association (NCA) estimates U.S. retail sales of candles at approximately $2 billion annually, excluding sales of candle accessories. www.south-riding-insurance.com

To help keep consumers safe while enjoying their candles, the NCA offers the following tips:
- Keep a burning candle within sight. Extinguish all candles when leaving a room or before going to sleep.
- Move burning candles away from furniture, drapes, bedding, carpets, books, paper, flammable decorations, etc.
- Do not place lighted candles where they can be knocked over by children, pets or anyone else.
- Trim candlewicks to ¼ inch each time before burning.
- Use a candleholder that is heat resistant, sturdy and large enough to contain any drips or melted wax.
- Place the candleholder on a stable, heat-resistant surface.
- Keep the wax pool free of wick trimmings, matches and debris at all times.
- Don't burn a candle longer than the manufacturer recommends.
- Keep burning candles away from drafts, vents, ceiling fans and air currents to prevent rapid, uneven burning, and avoid flame flare-ups.
- Burn candles in a well-ventilated room.
- Stop burning a candle when 2 inches of wax remains or ½ inch if in a container.
- Never touch a burning candle or move a votive or container candle when the wax is liquid.
- Never use a knife or sharp object to remove wax drippings from a glass holder because it might scratch, weaken, or cause the glass to break upon subsequent use.
- Use a candlesnuffer to extinguish a candle so hot wax doesn't splatter.
- Never extinguish candles with water because it may cause the hot wax to splatter.
- Use flashlights and other battery-powered lights during a power failure.
- Make sure a candle is completely extinguished and the wick ember is no longer glowing before leaving the room.
- Extinguish a candle if it smokes, flickers repeatedly, or the flame becomes too high.
- Never use a candle as a night-light.
www.loudoun-insurance.com

Timing Is Everything When It Comes to Car Buying

2008-02-21T12:25:00.005-05:00

Timing Is Everything When It Comes to Car Buying

You’ve been eyeing that new car for some time now, and finally your budget gives you the green light to go for it. So should you rush right out to the dealerships in South Riding & Chantilly (20151, 20152, 20153)? Only if you want to pay more than you should.

That’s because finding the best car deal is affected by when you purchase. For the optimum bargaining position, the first thing you need to pay attention to is the time of the month. Both the dealership and its sales personnel have to meet monthly quotas. Shopping just before the month is about to end gives you more leverage because sales figures will soon be turned in for the month. A salesperson that has a slow month will be eager to make a deal to give those figures a last minute boost. www.loudoun-insurance.com

The second time factor that affects the deal is the season of the year. In early fall, dealerships are anticipating receiving inventories of next year’s models. To make room, they put remaining inventories of the current year’s models on sale. Typically this means taking significant markdowns so they can move the merchandise, which means big savings for you. The other seasonal advantage comes at Christmas time when shoppers are busy buying gifts, not cars. The light showroom traffic makes salespersons anxious to close the deal with a serious shopper.
Even the weather comes into play when you are trying to negotiate. Bad weather is another time when a dealer’s showroom will be empty. That leaves more time for a salesperson to try and make you happy enough to leave the lot the proud owner of a new car. www.south-riding-insurance.com

Of course, timing alone isn’t enough to put you in the driver’s seat without spending a fortune. You also need to do your homework and research prices before you set foot on any showroom floor, many of which are located in Fairfax and Loudoun Counties (Chantilly, South Riding, Ashburn, Leesburg, Sterling, Aldie, Arcola (20107), Stone Ridge & Brambleton (20148)). The Internet is the best place to find the information you need. Call us at NOVA Insurance Group (http://www.loudoun-insurance.com/ or http://www.south-riding-insurance.com/) for competitive insurance premiums!

There are three web sites that you can use to research the dealer cost (invoice price), and the manufacturers suggested retail price (MSRP), or list price of the model you’re interested in:
1. Kelley Blue Book (http://www.kbb.com/)
2. Edmunds (http://www.edmunds.com/)
3. MSN Autos (http://www.autos.msn.com/Default.aspx)

Always start your negotiations from the invoice price, not the MSRP.

You can also use Kelley Blue Book and Edmunds to find out what car buyers actually paid for the model in your region, based on your zip code, such as 20151, 20152, 20105, 20147 and 20148. When you are using these sites to research a car model, don’t forget to use the “incentives” tab to see if the manufacturer is offering purchasers any kind of rebate. You can also find a full list of rebates on MSN Autos by logging on to http://autos.msn.com/home/rebates_all.aspx.

Could Your Old Furnace Be Deadly?

2008-02-13T13:23:00.003-05:00

Could Your Old Furnace Be Deadly?

An old furnace is like an old friend, and like an old friend; you know all of its quirks. You recognize that reassuring hum and know that means everything is running smoothly. You can just as easily detect the telltale sounds that something may be wrong. But problems with your furnace may not be as obvious as you might think. It could be sending up a little more than heat to permeate your home without your ever suspecting. That little "extra" might be a lethal dose of carbon monoxide. This could be happening in the older Chantilly (Fairfax County) or newer South Riding, Ashburn, Leesburg, and Brambleton (Loudoun County) properties.

Carbon monoxide is a colorless, odorless, poisonous gas, produced by incomplete burning of carbon-based fuels like oil. When it gets into the body, the carbon monoxide combines with chemicals in the blood and prevents the blood from delivering oxygen to cells, tissues and organs.
These body parts need oxygen to function; so prolonged exposure to carbon monoxide can cause serious health effects. After only a limited exposure, you and your family can get severe headaches, experience shortness of breath, become dizzy, mentally confused, nauseated, or feel faint. Long-term exposure can be fatal or at a minimum lead to chronic health problems. Since many of these symptoms are similar to those of the flu, you may not suspect that carbon monoxide poisoning is the cause.

What can you do to protect yourself? The U.S. Consumer Product Safety Commission (CPSC) urges consumers to have a professional inspection of all fuel-burning heating systems, including furnaces, boilers, fireplaces, water heaters, and space heaters. Your oil or gas supplier should perform this service on a yearly basis as part of your maintenance contract. If you do not have a maintenance contract, find a heating professional licensed to do this type inspection in your local telephone directory.

When they perform the inspection, ensure that they complete the following:
Check all furnace safety and operating controls for proper operation.
Check the vent for adequate draft.
Inspect combustion chambers and heat exchangers to see that they are functioning correctly.
Oil the motors, if applicable.
Inspect fan belts for wear and tension and replace them if necessary.
Examine the pilot light, if applicable.
Inspect furnace filters and change them as needed.
Check for leaks and repair them immediately.

The CPSC also recommends that the inspection include checking chimneys, flues and vents for leakage or blockage by debris, and to make sure that they are not loose or disconnected. Birds and other animals can build nests in chimneys resulting in blockages that cause deadly exhaust to enter your home.

To be safe, every home should have a carbon monoxide alarm in the hallway near bedrooms. The CPSC recommends that your alarm meet one of these standards: Canadian Standards Association 6.19-01, 2001; Underwriters Laboratories Inc. 2034, Second Edition, October 1998; or the International Approval Services 6-96, Second Edition, June 1, 1998. It's also a good idea to check the batteries in your alarm monthly and to replace them twice a year when you change your clocks in the spring and fall.

Monitor Your Teens' Behavior When They're Behind the Wheel

2008-02-05T15:28:00.002-05:00

Monitor Your Teens’ Behavior When They’re Behind the Wheel

Author Dorothy Parker once wrote: “The best way to keep children at home is to make the home atmosphere pleasant, and let the air out of the tires.” However, if you’re one of those people here in South Riding, (adjacent to Aldie, Arcola, Brambleton, Chantilly, Ashburn, Leesburg etc. in the counties of Loudoun & Fairfax) who insist on keeping your tires inflated, you’re probably going to have to let your teenagers borrow the car. (http://www.south-riding-insurance.com/)

If the thought of your teen behind the wheel sends a little shiver down your spine, there are a few things you can do to relieve your uneasiness:

· Talk to your kids. Have an open and frank discussion with your teens to find out their attitudes about driving. Be sure you talk about the consequences of actions like speeding, or ignoring stop signs and stoplights. Establish ground rules, such as the number of people allowed in the car (keeping in mind any state laws about the number of unrelated teen passengers permitted in a car with a teen driver), where the car may be taken and how long your teenager is permitted to stay out with the car.

· Enroll in an emergency roadside service. Be sure that the motor club you belong to provides 24-hour emergency road service. That way, your teenager can call for help any time he or she needs it. You also can arrange with the motor club to provide service if your teen is riding in someone else’s car.

· Discuss the consequences of driving under the influence. Most parents want to believe that their teenager will never be foolish enough to drive while intoxicated. However, you need to be realistic and realize that no matter how levelheaded your teen may be, peers have a great influence. Your teen could be at a party and be coaxed into drinking alcohol. That’s why you should make it understood that driving after drinking is not acceptable, nor is it acceptable to get into a car with someone who has been drinking. Make sure you teen knows that he or she can call you at any time of the day or night, and that you will come to get them.

· Install a speed-monitoring device. This type of device is commonly referred to as a “governor.” Its purpose is to restrict fuel injection, which stops the car from being driven over a certain speed. A governor may help prevent your teenager from driving over the speed limit.

· Install a Global Positioning System (GPS). This device can help you keep track of where your teen is driving. You establish a radius of operation and the GPS will alert you if your teen has taken the car outside that radius. It also alerts you when your teenager is driving above the speed limit, or if the car is being kept out past curfew.

As your teen matures and gains experience behind the wheel, you can reconsider the need for some of these measures, such as the speed-monitoring device. In the meantime, you are helping your teen to develop safe driving habits, and giving yourself some peace of mind.
http://www.loudoun-insurance.com/

Wise Up When It Comes to Auto Theft

2008-01-24T14:38:00.002-05:00

Wise Up When It Comes to Auto Theft

In 2006, almost 1.2 million vehicles were reported stolen in the United States, according to the annual Hot Wheels study from the National Insurance Crime Bureau (NICB). The 1995 Honda Civic topped the most-stolen-vehicle list, followed by the 1991 Honda Accord. Car thieves continue to prefer imports to domestic brands, and vehicles that are 10 or more model years old over newer models. That’s because these cars have been consistent top sellers for many years and some of their parts are interchangeable. Thieves steal these cars for their parts.
www.south-riding-insurance.com

Anyone can be a potential car theft victim, even here in Fairfax & Loudoun Counties (South Riding, Ashburn, Sterling, Stone Ridge, Leesburg, Brambleton, Aldie, Arcola & Chantilly). Since just 59% of stolen vehicles were recovered, according to the study, all car owners have a strong motivation to do what they can to protect their vehicles. To help consumers lessen their risk of auto theft, the Council of Better Business Bureaus and the Insurance Information Institute have joined forces to create the “Wiser Drivers Wise Up” program. Here are some of the tips from this program:

· Don’t rely solely on manufacturer-installed vehicle theft protection. Experienced thieves can disable these devices, as well as unlock a Club and other such anti-theft deterrents. Aftermarket vehicle anti-theft systems are usually more sophisticated and are worth paying a professional to install.

· Don’t think your old clunker is safer than a new model. It is also a myth that a luxury sedan is more attractive to thieves than a less expensive model. Older vehicles are usually stolen for their parts, which are no longer being manufactured; newer cars are stolen for their popularity.

· If your car is stolen, contact the police immediately, preferably while still at the scene of the crime. Speed is essential to recovering stolen cars, since any delay means your car is more likely to be in a chop shop or driven out of town. In addition to knowing the make, color and model of your car, you should also know the license plate number and vehicle identification number (VIN). Keep a copy of these identifying numbers and your insurance card in your wallet, and keep a photocopy of your registration and insurance card at home, so you can provide information quickly to both law enforcement and insurance claims agents.

· Don’t assume your insurance covers you for all the costs associated with having a vehicle stolen. Review your policy to see if you are covered for a replacement rental car after a theft, and if there’s a waiting period before you’re allowed to rent a car. Many people waive the rental car coverage, even though it costs only a few dollars a month.

· Make sure you have roadside assistance. Your insurance company will likely offer this for a few dollars per term, or you can go through an outside company such as AAA or even your automaker. Be sure you understand the terms of the coverage.

· Don’t overlook simple theft deterrents. Park in well-lit areas. If you park in a lot, resist the temptation to park near the exit, because it makes your vehicle a more likely target for thieves. According to the FBI, more than one-third of all vehicle thefts occur at a home or residence. Always lock your car, even in your own driveway.

Following these simple tips can help you avoid being an auto-theft victim, and minimize your damages and inconvenience in the event that you are one. www.loudoun-insurance.com

Learn to Safely Navigate Winter's Driving Conditions

2008-01-15T13:08:00.001-05:00

Learn to Safely Navigate Winter's Driving Conditions

The hazards of the road increase in winter, as the weather becomes less predictable. To avoid these conditions, you might be able to cut down on your driving, but you probably can't eliminate it altogether...and maybe you wouldn't want to. Therefore, it's essential that you take steps to lessen your risk. Even in moderate weather areas of Loudoun and Fairfax counties in Northern Virginia (South Riding, Chantilly, Ashburn, Sterling, Aldie, Arcola, Brambleton etc.), one must exercise caution.

As with many things in life, preparation is the key to managing winter driving hazards. The following tips can help to keep you safe on the road, regardless of the weather:

Check tire pressure monthly. Keep your vehicle's tires inflated at the manufacturer's recommended pressure for maximum performance on icy roads. It's important that you perform a pressure check monthly because a change in temperature of 10 degrees Fahrenheit changes the tire pressure about one pound per square inch. Added benefits of keeping tires properly inflated include better gas mileage and increased tire life.

Have your battery checked. Cold slows down the chemical reaction in a car's battery, which decreases its power output. In fact, starting power drops dramatically below 77 degrees Fahrenheit. Be sure your car's battery is fully charged to compensate for the drop in output.
Know what your car is capable of handling. Your vehicle may have all-wheel drive, anti-lock brakes and all-weather tires. However, don't be fooled into thinking that these features are a panacea for all the problems associated with winter driving. Becoming too complacent about the car's ability to handle tough road conditions is a sure fire way to find yourself in a bad situation.
Learn to stay focused. When you drive, focus all of your attention on the road so you can anticipate hazards. Keeping your mind on the road ahead allows you to plan for areas that usually remain icy even when roads are clear, like bridges, overpasses and heavily shaded spots. The more aware you are, the better your ability to respond.

Exercise extra caution when necessary. Intersections with stoplights or stop signs can become deceptively treacherous when the weather is bad. Because so much traffic slides to a halt in the same location, the snow tends to become packed, and develops a slick icy surface. Drivers who spin their tires when starting up from a stopped position compound the problem. To compensate for these conditions, begin braking sooner when approaching an intersection. This will allow you more time to make necessary adjustments.

Plan when and how you will travel. Travel during daylight hours and wear sunglasses that provide UV protection to shield your eyes from snow and ice glare. Take the most direct route possible to your destination, and allow extra travel time in case you encounter unexpected problems.

Keep your vehicle stocked for an emergency. Be sure to have blankets and snacks in your car or truck to tide you over if you are stranded or stopped by bad road conditions.

Maintaining Your Home's Fire Alarm System

2008-01-03T15:26:00.001-05:00

Maintaining Your Home’s Fire Alarm System

One of the most important household safety techniques you can implement is the purchase and proper installation of an adequate number of smoke alarms in your home. The National Fire Protection Association (NFPA) offers the following facts regarding smoke alarms and fires. www.south-riding-insurance.com

* One-half of home fire deaths occur in the 6 percent of homes without smoke alarms.
* Homes with smoke alarms typically have a death rate that is 40 to 50 percent less than the rate in homes without alarms.
* In three of every ten reported fires in homes equipped with smoke alarms, the devices were not operational.

The NFPA offers safety tips regarding smoke alarms for you to consider.
* New batteries should be installed in all smoke alarms annually or when the alarm chirps to warn that the battery is weak.
* Smoke alarms should be tested monthly.
* Smoke alarms should be placed outside each sleeping area and on each floor of the home, including the basement.
* Smoke alarms should be interconnected, so if one goes off, they all go off.
* Smoke alarms should be replaced every 10 years.
(www.loudoun-insurance.com)

Excessive Holiday Drinking and Driving Don't Mix

2007-11-26T10:39:00.001-05:00

Excessive Holiday Drinking and Driving Don't Mix

The weeks between Thanksgiving and New Year's Day include the most important entertaining season on many people's social calendars. While these festivities are a wonderful part of the holiday season, they do bring with them a very serious problem-partygoers who drink too much and then get behind the wheel of a car. Here in Virginia, the consequences can be serious; the drivers in South Riding (www.south-riding-insurance.com), Chantilly, Brambleton, Arcola, Aldie, Ashburn, Sterling, Leesburg, Stone Ridge, Kirk Patrick Farms, and adjoining Loudoun (www.loudoun-insurance.com) and Fairfax County areas can suffer heavy fines and long-term DMV licensing issues!

Many people downplay the issue, but statistics prove how serious it is. According to the Community Alcohol Information Program (CAIP), a non-profit agency that provides alcohol education, assessment and evaluation services to persons convicted of alcohol-related offenses in New Hampshire, two million alcohol-impaired driving collisions occur each year in this country. Accidents caused by alcohol-impaired drivers are the most frequently committed violent crimes in America today.

CAIP offers these other sobering statistics about drinking and driving:

The average alcohol-impaired driver arrested on the highway has a blood alcohol concentration (BAC) of .20%, more than double the level for presumed intoxication in most states. This level represents 14 drinks of 86-proof liquor (or 14 beers) in a four-hour period for a man weighing 180 lbs.

Between 7 p.m. and 3 a.m. on weekends, in some parts of the country, 10% of all drivers are legally impaired. Most Americans drink alcohol, and more than 80% admit to driving after drinking.

When drinkers are at the presumed level of intoxication, the risk of their causing an accident is six times greater than for non-drinking drivers.

Some people persist in drinking and driving based on myths about how the body reacts to alcohol and its ability to overcome alcohol's effects. Scientific studies supported by the National Institute on Alcohol Abuse and Alcoholism (NIAAA) provide important information that belies two commonly held beliefs about drinking and driving:

Myth: You can drive as long as you aren't slurring words or acting erratically. Fact: The skills and coordination needed for driving are compromised long before the obvious signs of intoxication are visible. In addition, the sedative effects of alcohol, combined with late night hours, place you at much greater risk of nodding off or losing attention behind the wheel.

Myth: Drink coffee because caffeine will sober you up. Fact: Caffeine may help with drowsiness, but it doesn't counteract the effects of alcohol on decision-making or coordination. The body needs time to metabolize (break down) alcohol and even more time to return to normal. There are no quick cures.

Alcohol affects the brain and body long after you stop drinking. Any alcohol that remains in the stomach and intestine continues to enter the bloodstream and circulate through the body. That means judgment and coordination can be affected for hours after you've taken that last drink. Also keep in mind that alcohol heightens feelings of stress or anxiety, which can lead to violent behavior.

Does this mean you can't have a few drinks at a holiday party? No, but what it does mean is that you need to be responsible if you do drink. Here are a few tips to remember:

Know your limits and never drink more than you can safely handle.

Don't get behind the wheel if you drink. Ask a sober driver to escort you home.

Don't drink if there is someone at the gathering with whom you have a grievance.

Offer to be a designated driver for a friend.

Call law enforcement if you see someone driving erratically.

Keeping these tips in mind can help avoid tragedy during the holiday season.

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