As a Katy insurance agency, we walk with our clients and community through car accidents and no matter the case they are always tough. But when it involves teens and young parents, it brings additional heartbreak. Within the last few months, the community of Katy, Texas has lost two young women because of distracted driving; one a young Katy mom and the second, a 2012 graduate of Katy High School. In 2010, 18% of injury crashes were reported as distracted affected crashes. You can read that statistic and dismiss it, but when it’s someone you know the reality of these statics begins to hit home.
The term “distracted driving” can refer texting, general cell phone use, grooming, eating, adjusting music or navigational systems or even just talking to fellow passengers. That being said, text messaging while driving poses the biggest threat to drivers. In fact, the risk of texting while driving increases the risk for a crash by 23 times as compared with an undistracted driver.
And of course, teens are at heightened risk for distracted driving. Not only are they inexperienced drivers, but they are also more confident in multi-tasking while using a mobile device. In essence, it’s second nature to the generation that has grown up with mobile technology. In fact, 40% of American teens say they have been in a car when the driver used a cell phone in a way that put people in danger (Pew).
In 2011, 3,331 people were killed in crashes involving a distracted driver (VTTI). What if you knew just one of these people? Would it change your view of distracted driving? We all falsely assume that these statistics and behaviors apply to everyone else. The deaths of these two young women in the Katy community should bring this delusion to a staggering halt.
Educate your teens on distracted driving, whether they are the driver or the passenger. And above all, be an example yourself. For more information and educational tools, visit www.distraction.gov. Please keep the Katy families mentioned in your prayers and don’t let another family have to go through this loss.
Remember the Disney movie Ratatouille? This film was a delight for all children and even adults! Disney movies are never a disappointment. While a rat as an all-star chef is cute and fun on screen, that is never the case in the real world. Rats in the restaurant
Eliminate excess food that may attract rats and mice. It is important to have a dumpster to properly discard of all leftovers.
Have a professional go through the building, checking the physical structure to a plumber coming in and checking pipes.
If you have a growing issue with rats, it is important to hire a professional rat remover company and have traps set up.
Another way to protect your restaurant is to look into a restaurant liability insurance policy. This policy is specially designed to cover the specific needs of the food industry. It can provide protection for the following: general liability, kitchen equipment, food spoilage, liquor liability, workers compensation, loss of business income and much more.
Sure, Remy the rat may know how to season a dish and cook exquisite meals but he is an exception!
This new year brings new initiatives and savings. Are you ready to save on policies in 2012? Many Americans are unaware of the minor changes and resolutions that can easily lower their insurance premiums. Luckily, our reliable Texas insurance agency has put together a quick list for you. Here are 10 easy ways you can start saving today!
Plan to quit smoking. Your premium for policies such as life and health are determined by your risks. Smoking is one of the greatest risks and those who are hooked on cigarettes will have a significantly higher premium than those who do not. Stick to this resolution for multiple savings- your premium, your wallet and your life.
Vow to eat healthier. Again, it all comes down to risks. If you are obese or have health issues, your premium is guaranteed to be higher. Find a healthy diet to follow and hit the gym. Losing weight is a great resolution!
Bundle your policies. You may have a few policies with one company and maybe one or two with another. Your best bet is to find one company to cover it all with. By combining and bundling your policies, you will save on your premiums.
f you can afford a higher deductible, go for it. You can save up to 25% or more by doing this.
Ask about discounts. There is literally a discount for everyone. If you do not ask, you will not know. Some of the many discounts include: good student, low mileage, good health, safety features, mature, military, membership, etc.
Avoid duplicating coverage. Do you have medical coverage on both your auto and health insurance plan? Figure out which one you can drop without a coverage gap. Many times, Americans actually have too much coverage.
Increase your safety. Additional safety and security will help lower your risks. Lower risks equal lower premiums.
Avoid paying monthly. Pay your bills every six months to a year if possible. When paying monthly, you will usually be paying a small additional fee.
Clean up your credit. Many insurance companies will use your credit score to determine your premium. Make sure you are paying bills on time to keep your credit score up.
Shop around. Never choose the first company you see on television. In order to get the best deals, it is best to shop around.
If you are ready to start saving money this year, these tips are sure to help you accomplish that goal…on the insurance end anyways! Be sure to speak with our Texas insurance agency on how you can start saving today, we would be happy to help!
#3: Improve safety in the workplace. Having extra safety features such as training programs and even a security system may help reduce your premium. Make sure your agent knows about these features!
#4: Reduce your coverage. Sounds weird, right? However, while your company needs coverage that does not mean that it needs EVERY single policy. Make sure you speak with your Texas insurance agency about putting the proper coverage in place without overdoing it.
#5: Consider relocation. Many times, your premium will be based on the location and area you are in. If your company is based in a high-crime or risky area, the premium will be much higher. It may be time to relocate!