You’ve always been a good driver; and now your good driving can be rewarded. Through our RightTrack® program, you can install a device in your car that recognizes your safe driving habits, which could earn you a discount of up to 30%. Call (317) 886-0081 to discuss.
Summer is a favorite time of the year for many with warm, sunny days. But it’s important to remember extremely hot summer temperatures can be dangerous and even deadly.
During periods of elevated temperature, your body must work more intensely to maintain its internal temperature of 98.6 degrees, leading to the threat of dehydration, among other things. Beyond the risks to people, extreme heat increases a number of exposures. For example, vehicles can break down if there aren’t enough fluids to keep the car cool and functional as it reacts to the increased heat.
Of the numerous risks that can occur with increased heat, a heatstroke is often overlooked. Children, especially those under a year old, are at risk because their body’s temperature rises 3 to 5 times faster than an adult’s, and they’re often too young to alert others for help.
In the span of 10 minutes, a car can heat up by 20 degrees — enough to kill a child left alone in a vehicle. On July 31, National Highway Traffic Safety Administration (NHTSA) will tweet every 15 minutes for 24 hours to raise awareness about the dangers of heatstroke. You can follow the conversation through NHTSA’s Twitter page and participate using the hashtag #HeatstrokeKills.
The risks of vehicular heatstroke
Vehicular heatstroke happens when a child is left or trapped inside a car or truck. As NHTSA explains, the temperature inside a vehicle can quickly rise high enough to kill a child—even when it doesn’t feel that hot outside. Understanding how and why these tragedies happen is the key to protecting our children. In 54% of cases, the child was forgotten by the caregiver. In 28% of cases, children got into the vehicle on their own.
High body temperatures can cause permanent injury or even death. It begins when the core body temperature reaches about 104 degrees and the thermoregulatory system is overwhelmed. A core temperature of about 107 degrees is lethal.
Regardless of the temperature, heatstrokes pose a risk at any given time; they can occur in temperatures as low as 57 degrees. Heatstroke fatalities have occurred even in vehicles parked in shaded areas and when the air temperature was 80 degrees Fahrenheit or less — rolling down a window does little keep a vehicle cool.
The warning signs of a heatstroke can vary, but may include: red, hot, and moist or dry skin; no sweating; a strong rapid pulse or a slow weak pulse; a throbbing headache; dizziness; nausea; confusion; being grouchy or acting strangely.
Follow these five tips from NHTSA to keep children safe from vehicular heatstroke:
Look before you lock
Get into the routine of always checking the back seats of your vehicle before you lock it and walk away. It sounds unthinkable that you’d forget your child in the back seat, but if the child is asleep and you’re distracted or in a rush to get somewhere, it does happen.
Have a gentle reminder
Keep a stuffed animal or another memento in your child’s car seat when it’s empty, and move it to the front seat as a visual reminder when your child is in the back seat. Or place your phone, briefcase or purse in the back seat when traveling with your child.
Do a routine check
If someone else is driving your child, or your daily routine has been altered, always check to make sure your child has arrived safely. Set a reminder on your phone to call and check in.
Keep track of your car keys
Keep your vehicle locked and keep your keys out of reach; nearly 3 in 10 heatstroke deaths happen when an unattended child gains access to a vehicle.
If you have a newer model car that has a keyless entry, check with the vehicle’s manufacturer on ways to keep children from getting into the car unsupervised.
Act to save a life
You should act if you see a child alone in a vehicle. Call law enforcement immediately, and free the child from the vehicle to protect that child’s life. Don’t be afraid to break a window if necessary.
After listening to Danica’s message visit us at: Scott Lynch Agency or call us at (317) 420-2867 to discuss your options.
For Seriously Good Car Insurance visit: Scott Lynch Agency or call (317) 420-2867
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.
For seriously good insurance for your business or personal needs, call us at (317) 420-2867 or visit our webpage Scott Lynch Agency.
What Should I Do if I Start Hydroplaning?
If you can’t avoid traveling on wet roads altogether, it’s best to drive slow and steady. But what should you do if you start hydroplaning anyway?
The first thing to do is relax, as frantic movements will only make your situation worse. As you feel your car lose contact with the road, calmly but firmly grip the steering wheel with both hands. Don’t slam on the brakes or make dramatic motions with the steering wheel – these actions will jeopardize your control of the car.
Instead, aim the nose of your vehicle forward and calmly make slight adjustments with the steering wheel to keep your vehicle going in the right direction. Then take your foot off the gas and allow your car to slow down naturally as you continue to navigate. Resist the urge to slam on the brakes.
But what if you are going to hit something?
If you’re heading toward another car, tree or median, then you may be forced to apply the brakes. How you should apply the brakes depends on the car you drive.
If your car is equipped with regular brakes, pump them regularly and lightly as you continue to steer in the direction you want to go. If your car has anti-lock brakes, you should brake as normal by applying steady pressure to the brakes. Just try not to slam on the brakes. The process for braking when you’re hydroplaning is actually very similar to braking when you’re skidding on ice.
Hydroplaning is scary, but you truly can handle it with extra precaution and a little knowledge.
Original article: A Blog from Erie Insurance