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1Safeco will review policies twice a year. Customers must have zero claims reported on their Safeco Auto policy in the prior six months
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JAN 24, 2018 | BY DENNY JACOB, PROPERTYCASUALTY360
The AAA Foundation for Traffic Safety compared drivers’ odds of crash involvement when using a cell phone relative to driving without performing any observable secondary tasks
The role of cell phones in our society faces greater scrutiny in recent years, particularly when it comes to the world of driving.
Distracted driving can happen in a number of ways, but smartphones are often behind a case of distracted driving more often than not.
A study conducted by the AAA Foundation for Traffic Safety compared drivers’ odds of crash involvement when using a cell phone relative to driving without performing any observable secondary tasks, both overall and stratified by selected environmental and crash-related factors.
Data came from a sample of 3,593 drivers, whose driving was monitored using in-vehicle video and other data collection equipment for a period of several months between Oct. 2010 and Dec. 2013. Men (1,712) and women (1,878) represented age groups ranging from 16 years old to 75 years old.
Making roads safer
While the great debate over cell phones — along with many other topics, such as the future of autonomous vehicles — and distracted driving has no end in sight, studies like this one will prove useful for researchers, the automotive and electronics industries, and traffic safety advocates, among others, in making tomorrow’s roads a safer place for drivers and pedestrians alike.
Asterisks in tables denote instances in which there were too few crashes and/or baseline epochs involving a specific cell phone task to compute an odds ratio.(Photo: Crash Risk of Cell Phone Use While Driving: A Case-Crossover Analysis of Naturalistic Driving Data)
The study found that “visual-manual interaction with cell phones while driving, particularly but not exclusively relative to text messaging, was associated with approximately double the incidence of crash involvement relative to driving without performing any observable secondary tasks.”
Notably, 42 of 65 crashes that involved any form of visual-manual interaction with cell phones involved texting. Hand-held cell phone conversation, location/reaching for/answering the phone, and overall cell phone use (all manner of cell phone use combined) were associated with elevated risk of crash involvement.
Assocations between visual-manual cell phone interaction and crash risk tended to be stronger in free-flow traffic and in types of crashes in which the subject driver played a clear role, such as rear-end and road-departure crashes.
While hopes for a world without distracted driving may be ways away, drivers who continue to use their cell phones on the road will remain an issue for the foreseeable future. Until then, drivers must remember that driving is a privilege, and that the road is a shared space between drivers and pedestrians alike.
For your auto insurance quote visit: Scott Lynch Agency
Your days are long and your to-do list is even longer. Owning a business is more than your full-time job, it’s your life. We understand the day-to-day want to help make things easier for you. That’s why our business insurance is as flexible and hard working as you are.
Why ERIE’s business insurance, coverage can be customized to fit your exact needs. Our expert, independent agents understand your business and are aware of the specific risks you face and our claims team is always available when your need us.
Get to Know Us Since 1925, we’ve had our Home Office in the city that bears our name, Erie, Pennsylvania. Today, we’re spread across a 12-state footprint and the District of Columbia. Find out more about ERIE and what makes us different.
Ready to talk? Give us a call or send us an email at email@example.com to learn more about how we can help protect your business and everything you’ve worked to grow.
by Erie Insurance on
As a party host, you probably don’t want to think about your potential liquor liability. But it’s something you’ll want to consider as your party planning gets under way this holiday season.
That’s because most states hold party hosts who offer excessive alcohol to their guests responsible for those guests’ actions behind the wheel. In those states, anyone injured by a drunk driver has the right to sue the host of the party who served the alcohol. Sometimes, criminal charges may even apply.
Recommendations on how to host your holiday party
This doesn’t mean you need to call off your party. Instead, keeping a few things in mind may significantly reduce your exposure to social host liquor liability.
- Limit guests to people you actually know—and seriously consider cutting from your list anyone who habitually overindulges.
- Encourage your guests to choose a designated driver before they arrive.
- Serve plenty of nonalcoholic drinks and food to help counter the effects of the alcohol.
- Have activities like dancing or games going on that don’t involve alcohol.
- Stop serving alcohol well before the party ends.
- Offer to call a cab or be the designated driver for anyone who appears intoxicated.
To limit your exposure to liquor liability even more, consider:
- Hosting the event at a restaurant or bar that has a liquor license rather than at your home.
- Hiring a professional bartender. Pros may be better able to recognize the signs of intoxication—and it’s easier to cut off someone you don’t know. This is especially true if a bartender completed the ServSafe® Alcohol program.
As a final precaution, review your homeowners or renters policy. It may offer coverage for damages sought by someone injured by a party guest.
For more information on liability insurance, contact an ERIE Agent in your community.
Looking for a great deal on Auto, Home, Business or Life Insurance? Call us at (317) 886-0081 to discuss our options for you. You may also visit our website: Scott Lynch Agency
by Erie Insurance on
There’s almost nothing more convenient than online ordering. But when your work hours don’t align with the delivery schedule, it can leave a nice crime of opportunity for package thieves. One study by InsuranceQuotes.com estimates that 23 million Americans have had a package swiped from their doorstep before they could retrieve it. With two-thirds of Americans reporting they shop online at least once a month, the problem is likely to stick around. Here are a few steps to protect your deliveries from so-called “porch pirates.”
Go-go gadget. Various smart gadgets on the market can be helpful devices when it comes to securing packages. A video doorbell could let you view and speak to the delivery person at your door through your mobile device, so you can simply request they leave the package in a less conspicuous spot — or you can activate your smart lock and have them leave it inside your door.
Contact your carrier. Do a little detective work, and you may uncover some options through the delivery service. Many carriers now offer flexible options that let you schedule or reroute deliveries. For example, you could have them dropped off and held at a retailer near you, or deposited in a secure locker. Before you order, check the alternative offerings from the carrier.
Check your credit card policies. Some credit card companies offer protection against package theft to help you recover your losses. For specifics, get in touch with your credit card company to find out if this protection is available and for how much.
Alternative deliveries. Avoid the unwanted situation altogether and send the deliveries where swiping is far less likely. Your workplace, if your employer allows it, is one excellent option. You can also ask neighbors or family members who are home during the day to accept your deliveries and have your packages routed to their place. Just be sure to give them a little something for their trouble.
Finally, read about holiday burglaries.
To review your home insurance, call us at (317) 886-0081 or visit www.lynchagency.com.
by Jennifer Sonntag on
The holidays are an exciting time of year full of get togethers, gifts and delicious food. While we’re focused on a season full of parties and fun times, a pet might think differently. Extra noise and visitors can leave pets feeling stressed. As we keep holiday and winter tips in mind for people, there are holiday and winter tips for our furry friends, too.
Here’s what to you need to know to keep pets safe this holiday season.
We all know there’s an overabundance of food during the holidays. From sweet treats, to delicious meals, it’s easy to give in to the begging eyes of a four-legged companion. However, it’s important to note that just because food and drinks are people-friendly; it’s not the same for pets. Here’s a list of what foods to avoid giving your pet.
Say no to sweets. We’ve all heard that dark chocolate is dangerous for dogs, however, bread dough and cookie batter are just as dangerous. Dough can actually rise in your pet’s stomach, casing bloating and severe pain. Plus, just like their owners, pets can get salmonella poisoning from raw eggs in cookie batter.
Bones and beyond. It’s tempting to offer your dog a special holiday “bone” right from the turkey your family just enjoyed. However, bones can get stuck in their intestines if they are brittle. On that note, make sure you dispose of bones carefully, just in case a sensitive nose goes sniffing where it shouldn’t.
Skin from a turkey is also a no-no. The skin is full of fatty juices and butter, and can be difficult for your pet to digest. High-fat foods can also lead to pancreatitis.
H2O only. While we know pets shouldn’t consume anything other than water, you may find your pet taking a sip or two from an unattended glass, filled with an adult beverage. While dogs love the smell of beer, the hops in beer are toxic to a dog’s system.
Spice is not so nice. On your pet’s digestive system that is. Sage is a popular seasoning used at Thanksgiving, and while it’s delicious for pet owners, it can cause pets to have upset stomachs or even more serious digestive trouble.
Nutmeg is another culprit that can wreak havoc on your pet. The popular spice used in pumpkin pie can cause seizures and central nervous system problems if your pet digests it. Pumpkin on its own is a safe treat for pets. Just avoid anything that is seasoned with nutmeg.
From trimming the tree, to stringing the lights and all the holiday ambiance we create in between, decorations definitely pique pets’ curiosity this time of year. Here’s what to keep in mind when you’re setting up and displaying your holiday décor.
Trimming the tree. Cats have been known for seeing a Christmas tree as the ultimate climbing tower. Make sure your tree is securely anchored to avoid a serious fall. If you have a real tree, it’s important to keep pets away from the tree water, which can be a breeding ground for bacteria, not to mention toxic depending upon the tree food you use. There are several recipes online for creating your own non-toxic tree food to keep your tree lasting throughout the holiday season.
Tinsel gets tangled. Tinsel is especially dangerous for cats. Its shiny appearance is a magnet for inquisitive cats. However, if ingested, the tinsel can wrap around the intestines or get balled up in the stomach causing severe pain and (expensive) surgical removal.
Ornaments are not toys. Holiday ornaments add an element of beauty and tradition to your Christmas tree, however, it’s important to recognize that glass ornaments could cut your pet’s mouth or digestive system if swallowed or damage their paws if stepped on. Other ornaments to watch for are homemade salt ornaments. While fun to make, salt ornaments can be fatal to a pet because of the high amount of salt at one time.
DeLIGHTful holidays. Lights are everywhere during the holidays—indoors and out. Try to keep electrical cords out of the reach of pets. Inquiring minds could confuse lights as a new chew toy and end up with a shocking surprise.
Adding spark to the holidays. Make sure your pets steer clear, or better yet, can’t reach any candles this holiday season. While candles are an integral part of holiday celebrations and traditions, our pets aren’t as careful as we are. Make sure candles are out of reach of paws (and tails), or better yet, choose a flameless battery option that you can “light” without worry.
Holiday plants are often purchased or given to enhance a home’s décor during this festive time of year. Here are three popular holiday plants that can be dangerous to pets.
Forgetta the poinsettia? Actually, this popular Christmas plant isn’t as dangerous for pets as people think, but it can make pets sick. According to the Pet Poison Helpline, poinsettias have milky white sap that when ingested can cause skin irritation and mild vomiting and drooling. There is a low level of toxicity, if a poinsettia is ingested.
Holly doesn’t equal jolly. Your pet will be feeling anything but jolly, if a holly berry or leaf is ingested. Nausea, vomiting and diarrhea could occur almost immediately after your furry friend takes a bite.
Skip the kiss. If you find you and your pet under the mistletoe…run. Mistletoe, while fun to have around, is very dangerous for pets. If ingested, mistletoe can cause gastrointestinal and cardiovascular problems.
Your best bet? Purchase silk or plastic versions of these popular holiday plants to avoid any unwanted trips to the pet ER.
It’s great to include your pets in family celebrations, holiday parties and holiday road trips. There are special considerations to keep in mind when your pets are involved with your holiday traditions.
Ringing in the New Year. Whether you’re ringing in the New Year with a small group of family or friends, or having a mini Times Square celebration in your house, make sure you think of your pet. Noise makers can scare pets or even cause damage to their sensitive ears, while confetti can get stuck in your cat’s intestines if ingested. An increased number of party-goers can also cause added stress to your pet. It might be a good idea to make sure your pet is in a secure and comfortable place before the clock strikes midnight.
Traveling with pets. From packing their “belongings,” to preparing for travel in a car or plane, pets have their own checklists for travel. Here’s what you need to keep in mind before you travel with your pet this holiday season.
Keeping pets warm. As the temperatures drop, it’s important to think of our four-legged friends. From dressing smaller dogs in sweaters or coats (gift idea perhaps?) to keep them warm, or booties to protect paws of all sizes, there are many “clothing” items and options available to keep our pets warm this winter. If your pet has to be outside during the day, make sure their enclosure is protected from the wind. Finally, keep your pet’s age in mind. Just as humans are more sensitive to the elements as we grow older, so are our pets.
If you’ve read through this post, you know we love our pets! They have special places in our hearts during the holidays and throughout the year. Enjoy this holiday season with your pets (and family).
To ensure that your family is properly protected this Holiday Season, call us at (317) 886-0081 or (317) 420-2867. You can also visit us online at: Lynch Insurance Agency
October 3, 1863
By the President of the United States of America.
The year that is drawing towards its close, has been filled with the blessings of fruitful fields and healthful skies. To these bounties, which are so constantly enjoyed that we are prone to forget the source from which they come, others have been added, which are of so extraordinary a nature, that they cannot fail to penetrate and soften even the heart which is habitually insensible to the ever watchful providence of Almighty God. In the midst of a civil war of unequalled magnitude and severity, which has sometimes seemed to foreign States to invite and to provoke their aggression, peace has been preserved with all nations, order has been maintained, the laws have been respected and obeyed, and harmony has prevailed everywhere except in the theatre of military conflict; while that theatre has been greatly contracted by the advancing armies and navies of the Union. Needful diversions of wealth and of strength from the fields of peaceful industry to the national defence, have not arrested the plough, the shuttle or the ship; the axe has enlarged the borders of our settlements, and the mines, as well of iron and coal as of the precious metals, have yielded even more abundantly than heretofore. Population has steadily increased, notwithstanding the waste that has been made in the camp, the siege and the battle-field; and the country, rejoicing in the consciousness of augmented strength and vigor, is permitted to expect continuance of years with large increase of freedom. No human counsel hath devised nor hath any mortal hand worked out these great things. They are the gracious gifts of the Most High God, who, while dealing with us in anger for our sins, hath nevertheless remembered mercy. It has seemed to me fit and proper that they should be solemnly, reverently and gratefully acknowledged as with one heart and one voice by the whole American People. I do therefore invite my fellow citizens in every part of the United States, and also those who are at sea and those who are sojourning in foreign lands, to set apart and observe the last Thursday of November next, as a day of Thanksgiving and Praise to our beneficent Father who dwelleth in the Heavens. And I recommend to them that while offering up the ascriptions justly due to Him for such singular deliverances and blessings, they do also, with humble penitence for our national perverseness and disobedience, commend to His tender care all those who have become widows, orphans, mourners or sufferers in the lamentable civil strife in which we are unavoidably engaged, and fervently implore the interposition of the Almighty Hand to heal the wounds of the nation and to restore it as soon as may be consistent with the Divine purposes to the full enjoyment of peace, harmony, tranquillity and Union.
In testimony whereof, I have hereunto set my hand and caused the Seal of the United States to be affixed.
Done at the City of Washington, this Third day of October, in the year of our Lord one thousand eight hundred and sixty-three, and of the Independence of the United States the Eighty-eighth.
By the President: Abraham Lincoln
William H. Seward,
Secretary of State