Protect Your Pets from Hot Cars

by Jennifer Sonntag on July 7, 2017

To a dog, there’s nothing more exciting than going for a ride, having the window rolled down and feeling the wind in your ears. However, when the car stops and owners run a “quick” errand, what can happen to your pet is dangerous. According to the American Society for the Prevention of Cruelty to Animals (ASPCA), hundreds of pets die in hot cars each year. Time passes faster than owners realize and car temperatures can climb to well over 115 degrees, putting your pet’s life in danger.

How fast does a car’s temperature rise? Here are some examples:

When it’s 70 degrees outside, your car’s temperature inside is 89 degrees after just 10 minutes and up to 104 degrees after a half hour. If you’re traveling with your pet on an 85 degree day, your car’s temperature is 104 degrees after 10 minutes and nearly 120 degrees after a half hour. Pets cool themselves by panting and through their skin and have a harder time cooling down in hot weather. In a hot car, heat stroke can happen in just a few minutes.

What to do if you see a pet in a hot car

Take caution when you see a pet in a hot car. If you identify a pet is in distress in a hot vehicle, the best thing to do is contact local law enforcement. Some states have laws against leaving a pet in a hot car, however, it varies. Obtain guidance from law enforcement before taking action and breaking a car window on your own. Once you call law enforcement, stay by the vehicle and keep an eye on the pet until help arrives.

How to treat a pet with heat stroke
First, it’s important to know the signs of a heat stroke:

Warning signs: panting, drooling and lethargy
Advanced stage: grey or blue gums, limp body posture with heavy breathing and the pet may be in shock

Cooling the Pet Down

  • Get your pet to an air-conditioned environment
  • Work to cool the pet down by wetting the ears and pads of the feet with cool water (do not use frigid water, use cool water).
  • Place cool, wet towels over the shoulder/neck, under the front legs and in the groin area
  • Refresh the water frequently
  • If the pet will drink, provide cool water or small ice chips


What to do if the pet is unresponsive

  • Call an emergency veterinarian immediately and tell them you’re on your way.
  • If the gums are gray/blue, they are in need of immediate treatment and should be rushed to the nearest emergency treatment center.
  • They will help cool the dog and administer subcutaneous fluids.


Additional Tips for Pet Owners in the Summer

  • Short-nosed, long-haired and young dogs are more at risk and prone to heat stroke.
  • On hot days, limit exercising your pet to early morning or evening hours.
  • Asphalt gets very hot and could burn your pet’s paws.
  • Pets with light-colored noses or light-colored fur on their ears are vulnerable to sunburn and skin cancer. It’s safe to use sunscreen on their noses and ear tips.

If you’re going out during the summer, it’s best to keep your pet at home, in a cool, air conditioned environment.

To protect your family, visit Scott Lynch Agency

Seriously Good Car Insurance

Seriously Good Car Insurance

For Seriously Good Car Insurance visit: Scott Lynch Agency or call (317) 420-2867

Insurance Terms Made Easy: Subrogation

Watch this video to learn about Subrogation. For more information about insurance visit our website Scott Lynch Agency

Insurance Terms Made Easy: Subrogation

Insurance Terms Made Easy Subrogation

6 Free Apps for Contractors

by Amanda Prischak on April 4, 2017

Payroll, taxes, operations—there are lots of details to stay on top of when you run your own business.

Fortunately, today’s evolving technology makes it easier than ever to be organized. And small business owners rely on it: A survey conducted by the National Small Business Association revealed that 70 percent of small business owners said that technology is key to their success. 

Of course, more complex technology solutions can cost quite a bit. But many others charge only a modest fee—or are even free. That’s the case with the six phone apps below. They can help you get the job done at no extra cost. Read on to see how.

The app: Google Keep

Best for: Creating lists

What it does: When you need to offload an idea for later use, this is the app you’ll want to use. Google Keep lets you create notes and lists, set reminders, loop in a “collaborator” and more. Even better, it automatically syncs to your devices.

The app:Bubble Level (for Android) and iHandy Level (for iOS)

Best for: Calibrating surfaces

What it does: Forgot your level? That’s no problem when you have either of these apps. They’ll help you check surfaces, calculate angles and more. 

The app: Safety Meeting App

Best for: Getting help with OSHA compliance

What it does: With versions for 34 trade types, Safety Meeting App lets you track safety meetings, accidents, employee attendance and much more. It also has information on 950 safety topics. The first year is free.

The app: Wave

Best for: Staying on top of accounting

What it does: Whether you want to create and send an invoice, scan a receipt or create an accounting report, Wave has you covered. The free version offers a surprising number of services—and more complicated functions like paying employees are available for a fee.

The app: Construction Manager

Best for: Staying connected to the people in the office and the field

What it does: Whether you need to share project estimates, time sheets or maintenance logs, Construction Manager has you covered. It lets everyone stay in the loop, no matter where they may be. It also lets salespeople and estimators create on-site estimates for projects. The app is free, and you have the option of purchasing options that block advertising, give you unlimited form submissions and more.

The app: SignNow

Best for: Gathering signatures

What it does: How does signing a document or getting someone’s signature with no need to mail, fax or scan anything sound? SignNow makes that possible with just one simple finger stroke serving as your signature. The free version gives you five signatures a month—after that, it’s just $6.99 a month for the service.

Erie Insurance does not endorse the apps described above. Please do your own investigation and make up your own mind whether any of these apps is right for you.

For Business Insurance in Indiana visit: Scott Lynch Insurance

Video: Helpful Tips to Keep Kids Safe on Road Trips

Video: Family Road Trip: Car Seat Safety Checklist

Millions of Americans will take to the roads this summer. In addition to mapping out your route, packing snacks and making sure your car emergency kit is fully stocked, you’ll also want to think about how to keep kids safe on the road trip.

The National Highway Traffic Safety Administration estimates that nearly half of all child car seats are installed incorrectly. Not completely confident that your child’s car seat is safely installed? Then watch the short video above. It has helpful correct installation and more.

Also check out our top tips on buying and installing a child safety seat. Knowing your littlest passengers are safe gives you peace of mind so you can move on to other orders of business—like how to keep kids entertained during that long drive. (Good luck!)

For your auto insurance quote visit: Scott Lynch Agency


This video originally appeared on the CJ Pony Parts Blog.

by Erie Insurance on June 13, 2017

The Hidden Cost of Car Ownership

When you think about the costs of owning a car, what do you think of – the gas, maintenance or maybe insurance?  Actually, depreciation is often one of the larger expenses of car ownership.

According to U.S. News & World Report, new vehicles lose value at an average decline of 15-25 percent each year during the first five years. And whether new or used, all vehicles lose value over time.  Since the rate of depreciation varies by vehicle model, it’s a good idea to take resale value into consideration when shopping for your new ride.

According to the experts at Kelley Blue Book, picking a vehicle with excellent resale value is very likely the most important thing you can do when it comes to keeping costs down.  Paying a fair price for the car and securing a good loan rate can be undone by poor resale value, because eventually you’re going to sell it or trade it in.

Cars that retain a higher value

If you’re car shopping this year, it appears that bigger vehicles are depreciating better. Trucks and SUVs appear in nine of the top 10 spots on the Kelly Blue Book 2017 Best Resale Value Awards. Per Kelley, while the average new vehicle will be worth about 33 percent of its original sticker price after 60 months, the top 10 vehicles on their list will return an average of 50 percent to their owners at resale time.

The Kelley authorities say that choosing a car with good resale value can often save you more money in the long run than going for big rebates and other incentives.

New cars that may lose value the quickest

To highlight the other end of the spectrum, Forbes magazine shared the results of a study conducted by the used-vehicle website Carlypso.com.  Among the top 10 vehicles expected to have resale issues were the Nissan Leaf, Dodge Charger, Volkswagen Beetle, Mitsubishi Lancer and Kia Optima.

A little research goes a long way

When you’re ready to shop for your next vehicle, it will pay to do some research on resale value before making an investment. Whichever new (or used) car you choose, Erie Insurance can ensure that investment is protected with a great auto policy at a great price. And we can help you take care of the depreciation issue, too, with a coverage endorsement that provides true replacement value if you have an accident.

It’s called New Auto Security, and you can ask your agent to add it to your ERIE auto policy. If you’ve had your new car less than two years and it gets totaled, ERIE will reimburse you the cost to replace it with the newest model year. And if your new car is in an accident but it’s not a total loss, ERIE will pay to repair the vehicle without a deduction for depreciation.

If your vehicle is past its second birthday, ERIE will pay the cost to replace it with another vehicle of the same model that is two years newer. That means the coverage is good to have no matter what the age of your vehicle.

Reaching out to a local Erie Insurance agent  is a good way to start your research. He or she can explain the coverage details and get you a quote.

A vehicle is considered new when it is less than two years old and is owned by the original purchaser. Eligible vehicles must carry both comprehensive and collision coverage, and the policy deductible will be applied at the time of a claim. Insurance products are subject to terms, conditions and exclusions not described in this post. The endorsement is sold on a per-vehicle basis, not per policy, and contains the specific details of the coverages, terms, conditions and exclusions. Coverage is not available in all states. Please refer to our disclaimer and talk to an ERIE agent for policy details.

 

by Nancy Daniel on June 6, 2017

Uninsured-Underinsured Coverage

We speak your language. Why do you need uninsured or underinsured motorist coverage? Call us at (317) 420-2867 to find out why or visit us at Scott Lynch Agency