|Keep an Eye on Your Vision Health|
|Eye exams, like regular physicals, are an important part of routine preventative health care. Since many vision issues present limited symptoms, early detection, diagnosis and treatment is important for maintaining good vision.|
|Everyone should receive eye exams on a periodic basis, but the frequency will depend on your age, risk factors and physical condition. The following are general guidelines for when you and your family should receive eye exams:||
|It is estimated that approximately one in 20 preschool children and one in four school-aged children have an eye condition that could potentially cause permanent vision loss if left untreated. Make regular eye exams a staple in your child’s healthcare regimen.|
Congratulations, you got your driver’s licence! In addition to the being excited about the keys you’ve just been handed, you’re probably a bit apprehensive at the new responsibility you’ve just been given, too. To make sure that you keep your good driver standing and stay safe while on the road, remember these helpful safety tips.
Roadway Tips for Teens
Attention parents…Teen drivers tend to get distracted easily, especially when first getting their licence. During their first year of driving, do not allow teens to drive with more than one other person in the car to minimize the chance that they could become distracted by rowdy passengers.
When it comes to minimizing your risk of collision while driving, you’re in the driver’s seat. By simply practising safe driving techniques, you can significantly reduce your chances of being involved in an auto accident.
In addition to being aware of your surroundings and making smart driving decisions, the following tips will help you arrive at your destination safely.
Defensive driving requires you to be aware of driving errors made by other drivers around you, and consequently make adjustments to your driving to avoid accidents. expects you to be committed to defensive driving.
Get Plenty of Rest
Driving any distance, especially long distances, requires you to be physically and mentally well-rested. Fatigue plays a major role in motor vehicle accidents. If you become drowsy, pull off the road immediately and take a short nap.
Inspect Your Vehicle
Before you begin driving, inspect the lights, tires, brakes and windshield wipers of your vehicle. Obtain any necessary repairs before you depart.
Know Your Route
Before you set out for someplace new, become familiar with the general directions. If you need to check your map or call for directions along the way, pull over.
Avoid Speeding and Use Safety Devices
Provide yourself with ample travel time so you can avoid speeding. Be aware of construction zones, rush hour congestion and changing weather conditions when you are planning your route. Maintain safe following distances; braking might be difficult in poor weather. Always wear your seat belt and turn on your headlights.
Don’t Drink Alcohol
Alcohol is the single greatest contributing factor to fatal motor vehicle accidents. In addition, be aware that some prescription medications may have the same effect as alcohol. Do not drink alcoholic beverages before or during a driving trip, and consult your doctor about possible side effects of any medications you may be taking.
Planning for the Unexpected
If your home is your castle, the last thing you want to do is to come home to discover raw sewage seeping into your home’s basement or a toilet overflowing you’re your second-floor bathroom due to a broken sewer line. Both can create major and costly damage, but the good news is that both can be covered with an affordable sewer backup endorsement added to your homeowners insurance policy.
For an additional premium to your homeowners insurance policy, an endorsement for water backup and sump discharge will cover losses caused by:
The endorsement does not cover losses that involve owner negligence, such as from damage as the result of forgetting to turn on your sump pump, or damages caused by a flood. A separate flood insurance policy is available to cover losses due to flooding.
Some water and sewer backups are unavoidable, but there are some simple things you can do to prevent backups in your sewer line.
Water in Your Basement?
Often, water entering the basement is not due to a sewer backup but rather from poor soil grading around your home’s exterior. If you have a water problem and have ruled out sewer backup, making sure that water is draining away from your home’s foundation properly can often fix the problem.
Top Ways to Save on Your Premium:
Protect Your Property: Sewer and Water Backup
As a homeowner, you are responsible for the maintenance and repair of your home’s sewer lateral, which is the pipe that connects your city’s sanitary sewer main to your home. If your sewer line backs up, it can cause health and safety concerns as well as significant property damage. To help protect against losses, take some simple precautions and consider sewer backup coverage.
The Cost of Coverage
The cost of sewer backup coverage is affordable. Our personal lines team can provide you with more information about coverage costs, limits and deductibles. Call Dan Lawrie Insurance Brokers at 800-661-1518 to learn more about this coverage and all the affordable ways we can help you to protect your home and personal property.
Deciphering all of the parts of your homeowners insurance policy can be difficult. This article covers the basics so that you can understand your policy more easily. All homeowners insurance policies follow the same general format. They include a declarations page, a definitions section and sections for property insurance and liability insurance.
The declarations page of your homeowners insurance policy provides an overview of all details of your contract. Included on the declarations page are the following:
When you receive a copy of your policy, it’s important to review all of the information on the declarations page for accuracy. Keep a copy of your declarations page in your files in case you find yourself with questions about your policy. If you change or revise your policy at any time, a new declarations page will be issued to you reflecting the changes. Make sure to review and keep this new declarations page as well.
A homeowners insurance policy always includes a definitions page. This is where the “fine print” of your policy is located. The definitions page defines vocabulary in your policy to make it easier for you to understand. It also states your rights as the policy holder.
A standard homeowners insurance policy insures the home itself and the things you keep in it. It is typically a package policy, which means it covers both damage to your property and your liability or legal responsibility for any injuries and property damage you or members of your family cause to other people. Property damage coverage and liability coverage will be grouped in two separate sections on your policy.
Property Protection Coverage
This portion of your policy covers against lawsuits for bodily injury or property damage that you or family members may cause to other people. It pays for both the cost of litigation and any court awards, up to the limit of your policy. It covers you whether you are at home or away.
In the event that a visitor is injured in your home, you will not need to incur any expenses except for those associated with emergency first-aid (if applicable). All additional costs of the injury will be paid to the injured person up to the policy limit without a liability claim being filed against you.
What about disasters? Damage caused by many disasters is covered in a standard homeowners policy, but floods, earthquakes and other specific types of occurrences are generally excluded. Since policies can vary widely, the best way to be sure about specific exclusions is to read your own policy. Dan Lawrie Insurance Brokers can provide additional explanation if there is anything you don’t understand.
Make sure to set aside some time each year to review your policy and ensure that the limits and coverage you have selected are right for you. Evaluate your needs based on your provincial regulations, the value of your home, the money you have in savings and the amount of risk you feel comfortable taking. Then, make sure to read the entire insuring agreement—especially the exclusions—to guarantee that you are covered in every situation that is necessary for your lifestyle. If you have questions about your homeowners insurance policy, contact Dan Lawrie Insurance Brokers today!
Your Auto insurance rates are based on a variety of factors such as your driving record, mileage, the car you drive and your age.
Rates are highest for drivers in their teens and early 20, tend to fall for those aged 30 to 60-something, and then start climbing again around age 70. Although drivers in this age range tend to drive less and are more mature, their vision and reflexes are declining. They're also more likely to be injured in an accident than their younger counterparts, and to suffer more severely because they're physically weaker. Also. They often drive smaller cars, which are more vulnerable to damage.
Here are five ways that senior drivers can keep their Auto insurance rates affordable. :
Bear in mind that drivers can use some of these methods at any age and save on Auto insurance by raising their deductible or reducing coverage.
To make sure you get the protection you need at a cost you can afford, just give us a call.
Have you ever wondered about the three numbers that are part of your Auto Liability insurance, usually written in this form: XX/YY/ZZ?
The first number refers to the maximum amount of Bodily Injury Liability (BI) for an individual injured in an auto accident; the second is BI per coverage per accident; while the third covers Property Damage Liability (PD) per vehicle. For example a policy with 30/60/15 Liability coverage would pay up to $30,000 in BI per individual, $60,000 worth of BI per vehicle, and $15,000 in PD per vehicle.
Every province requires drivers to carry a minimum amount of Liability coverage under their Auto policy. Limits by province may vary. The numbers have remained fairly stable for a number of years.
However, because a car accident can cost far more than the Liability minimums that most states require, people usually carry more coverage. The Insurance Information Institute recommends that you have at least $100,000 of BI protection per person and $300,000 per accident (known as 100/300).
If you hold the minimum coverage required by your province and you're involved in an accident in another province that requires higher minimum coverage, the chances are that your policy limits will increase automatically to meet the other province's minimum requirements.
We'd be happy to make sure that this feature applies under your Auto insurance - and to discuss the most cost-effective ways of protect yourself and your family from liability for accidents behind the wheel (such as increasing your Liability coverage or choosing higher deductibles).
For a complimentary review of your policy, just give us a call.
If a disaster covered under your Homeowners insurance wrecks your home, you don't have to couch-surf until repairs are finished.
The standard Homeowners policy will pay for loss of use or Additional Living Expenses (ALE) - such as rental and hotel costs - while your dwelling remains uninhabitable
Check out these guidelines for using this valuable coverage:
For more information on your Additional Living Expenses coverage, please feel free to get in touch with us at any time.
With extreme storms such as Hurricane Sandy and the Nemo snowstorm becoming the "new normal" in the U.S., homeowners are increasingly vulnerable to bogus repair work by shady contractors.
A report by Environment America finds that extreme rainstorms and snowstorms have become 30% more frequent on average since 1948. Moreover, the biggest storms are producing an average of 10% more precipitation during the past 65 years. Higher damages from this extreme weather make the pickings ripe for home repair and rebuilding scams, often by dishonest drifters who go from door to door.
Insurance fraud experts warn against these seven common rip-offs:
Fixing bad repair work can mean months of headaches - and your Homeowner's policy might not cover fraudulent repairs! Also, bear in mind that even routine home fix-ups and remodeling can be an invitation for contract scammers.
If you have any questions or would like professional advice about dealing with a home repair contractor, just get in touch with us.
Wrecking a car and lying about it or staging an accident to get a payout are crimes that can cost a perpetrator dearly. Similarly, any inaccuracies reported (about a child's GPA, ZIP code where a car is garaged, etc.) for financial gain is also technically fraud.
This type of "soft fraud" is far more common than hard fraud -- and is much harder for the industry to deal with because it's so difficult to detect. Consider "claims padding," such as urging a body shop to fix dents that never happened after a car accident or claiming more serious pain or injuries than actually suffered.
Although perpetrators might think of these as victimless crimes, everyone with an Auto policy pays for them in higher rates needed to offset the cost of phony claims.
Here are a few common examples of soft fraud, as described by Allstate and the auto buying and research site, CarsDirect.com:
Soft fraud is usually treated as a misdemeanor. Depending on the seriousness of the offense, it could cost the scammer a fine of up to $15,000, jail or prison time, and probation -- not to mention the humiliation of going through the legal system.