Safe2Drive Blog

7/8/2024

Natural Disasters and Car Insurance: Which Policy Covers You Best?

by Courtney Conley

Natural disasters can wreak havoc on our lives and property. Cars are particularly susceptible to damage as they are typically kept outdoors. A broken windshield from hail or a flooded car in a heavy storm can leave you stranded and cost a significant amount of money to replace. Luckily, car insurance can help in these scenarios, but only if you have the right coverage.

There are many different types of car insurance policies out there. You’re likely most familiar with liability insurance, as it’s usually required for all drivers. There are two types of liability insurance:

  1. Bodily Injury: this covers medical expenses, lost wages, and legal fees for the other people in a collision if you are at fault.
  2. Property Damage: this covers the damage done to someone else’s property when you’re at fault in a collision.
Totaled Car

While it’s vital to have liability coverage, it’s not going to help you much in the case of a natural disaster.

Here are a few more types of car insurance available on the market and what they’re used for:

  • Personal Injury Protection: this covers medical expenses, lost wages, and other expenses for you and your passengers regardless of who is at fault in the collision. Some states require this coverage (e.g., Delaware, Florida, Hawaii, Kansas, Massachusetts, Michigan, Minnesota, New Jersey , New York, North Dakota, Oregon, and Utah).
  • Uninsured/Underinsured Motorist: this coverage will protect you in the case of a collision where the other driver does not have insurance, or their coverage isn’t enough to take care of the damage. This is required in some states (e.g., Connecticut, Maine, Maryland, Minnesota, Nebraska, New Jersey, North Carolina, North Dakota, Oregon, South Dakota, Vermont, Virginia, and Wisconsin).
  • Gap Insurance: this is often required when you’re leasing a vehicle. It covers the difference (or "gap") between the amount of money you still owe on your loan or lease and the car’s actual value if it’s stolen or totaled.

Again, none of these policies are catered toward natural disasters. That’s where comprehensive insurance comes in.

Why Comprehensive Insurance is Important

When it comes to natural disasters, comprehensive insurance is the way to go. This isn’t usually required, but is a great add-on for those who may experience natural events beyond their control, such as:

  • Floods
  • Hail
  • Tornadoes
  • Wildfires
  • Earthquakes
  • Hurricanes
  • Falling objects (e.g., a tree)

If you live in an area that experiences these types of natural events, you should consider looking into adding comprehensive coverage to your car insurance plan. It’s most affordable when you add it before a disaster happens. If you try to add it the day of a hurricane, the insurance company will likely raise some eyebrows and deny the coverage.

With the cost of car insurance on the rise, it might not sound appealing to add an additional form of coverage, but you could be very thankful you have it later, especially if you live in an area prone to natural disasters. Talk to your insurance company about your options and to see if comprehensive insurance is right for you.

Interested in learning more about traffic safety?

Are you looking for defensive driving and traffic school courses? Do you want a discount on your auto insurance? Do you know a teen who’s ready to take an online driver education course?

Safe2Drive is here to help! We offer convenient online courses for drivers of any age! Visit our website today to learn about the online courses we offer in your state.

Natural disasters can wreak havoc on our lives and property. Cars are particularly susceptible to damage as they are typically kept outdoors. A broken windshield from hail or a flooded car in a heavy storm can leave you stranded and cost a significant amount of money to replace. Luckily, car insurance can help in these scenarios, but only if you have the right coverage.

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7/2/2024

Road Safety Tips for July 4th Weekend: Staying Safe During Peak Travel Times

by Courtney Conley

The 4th of July is one of the busiest travel weeks of the year, and 2024 is projected to continue that trend. Over 70 million travelers are anticipated this week, which means it’s time to brush up on some tips for navigating peak travel times!

Heavy Traffic

Avoid rush hour.

Plan your departure time to avoid heavy traffic. Consider leaving early in the morning or later in the evening to avoid peak travel hours. This won’t always be possible, so try to look for alternative routes when you can in order to avoid heavy traffic.

Plan ahead and expect delays.

Plan your route ahead of time to avoid last-minute decisions and minimize distractions while driving. Give yourself plenty of extra time to make it to your destination, as there will likely be delays.

Stay alert.

Stay alert and focused while driving, taking regular breaks to avoid fatigue. If you feel tired, switch drivers or take a break at a rest stop. Keep a close eye on your surroundings. Keep a safe distance from other vehicles, and be mindful of motorcyclists, bicyclists, and pedestrians sharing the road.

Check the weather.

Check the weather and be prepared for possible adverse weather, such as summer storms. Slow down and increase your following distance when driving in rain, fog, or other adverse conditions.

Minimize distractions from passengers (including kids and pets).

Make sure your passengers are properly secured in a seat belt, car seat, or pet carrier, depending on their needs! Pack mess-free activities for little ones and remind everyone to avoid distracting the driver.

Do not drive impaired.

If you plan on consuming alcohol or other drugs during your celebrations, make sure you have a designated driver or plan for alternative transportation. Do not, under any circumstances, get behind the wheel while impaired.

The 4th of July is a time to celebrate. Do so safely and responsibly by prioritizing safe travel.

Interested in learning more about traffic safety?

Are you looking for defensive driving and traffic school courses? Do you want a discount on your auto insurance? Do you know a teen who’s ready to take an online driver education course?

Safe2Drive is here to help! We offer convenient online courses for drivers of any age! Visit our website today to learn about the online courses we offer in your state.

The 4th of July is one of the busiest travel weeks of the year, and 2024 is projected to continue that trend. Over 70 million travelers are anticipated this week, which means it’s time to brush up on some tips for navigating peak travel times!

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6/24/2024

The Importance of Defensive Driving Courses: How They Can Save Lives

by Courtney Conley

Even with all of the advancements in vehicle technology and road infrastructure, we’re still seeing large numbers of collisions and fatalities on the roadway each year. The truth is that the leading cause of collisions is human error. Whether a driver is speeding, distracted, or impaired, the technology is simply not advanced enough to guarantee your safety on the road. That’s where defensive driving courses come in.

Young Adult Driver Looking in Rearview Mirror

Defining Defensive Driving

Defensive driving is when you’re constantly alert to potential hazards (i.e., debris in the road, the car ahead of you running a red light, children playing on the sidewalk) and you actively look for ways to keep you and your vehicle safe. It’s also driving to prevent crashes, driving carefully, and making allowances for other drivers. It starts from the moment you think about going somewhere until the moment you get to your destination and turn off your vehicle. It’s about making proactive decisions to minimize risk.

Skills Taught in Defensive Driving Courses

Defensive driving courses teach a variety of skills that go beyond the basics of vehicle operation and compliance with traffic laws. Some of the topics that are often included in defensive driving courses include:

  • Safe driving strategies
  • How to avoid distracted driving
  • Understanding how your emotions and attitude affect your driving
  • Learning how to handle driving emergencies
  • Learning how to spot and avoid impaired drivers
  • Occupant protection
  • Best practices for sharing the road with pedestrians and other roadway users
  • Using new technology safely

Understanding these topics and utilizing them to avoid collisions could be the difference between life and death on the road.

Finding the Right Course

There are various options when it comes to choosing the right defensive driving course for you. The course you choose will depend in part on why you’re taking the course in the first place. If you’re taking a defensive driving course for legal reasons, you’ll need to make sure you’re using a school that is approved in your state and by your court.

The other important thing to keep in mind when choosing a defensive driving course is what format is best for you. There are often options for in-person classes as well as online courses that you can take at your own pace on your own schedule. If you’re someone with a busy schedule, online courses will likely be the best choice for you.

Defensive driving courses are a great option for drivers of any experience level. Whether you are a new driver or an experienced one, consider enrolling in a defensive driving course to enhance your driving abilities and play your part in saving lives.

Interested in learning more about traffic safety?

Are you looking for defensive driving and traffic school courses? Do you want a discount on your auto insurance? Do you know a teen who’s ready to take an online driver education course?

Safe2Drive is here to help! We offer convenient online courses for drivers of any age! Visit our website today to learn about the online courses we offer in your state.

Even with all of the advancements in vehicle technology and road infrastructure, we’re still seeing large numbers of collisions and fatalities on the roadway each year. The truth is that the leading cause of collisions is human error. Whether a driver is speeding, distracted, or impaired, the technology is simply not advanced enough to guarantee your safety on the road. That’s where defensive driving courses come in.

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6/17/2024

Understanding the Impact of Weather on Summer Driving

by Courtney Conley

As the days get hotter and the sun shines brighter, lots of people are hitting the road for some summer fun. There's always a lot of talk about how to drive safely in winter weather, but there's not as much emphasis on safe driving in the summer. Let's explore some of the weather conditions you might encounter this summer and how they can affect your driving, plus what you can do to stay safe!

Extreme Heat

High temperatures can make your vehicle pretty miserable, leading to increased air pressure in your tires, a bigger chance of your engine overheating, and poor battery performance. Keep these things in mind this summer, and make sure you're checking your tire pressure, coolant, and battery regularly so you're not surprised on the road.

Heavy Rain and Thunderstorms

Wet Road

The hot summer sun often brings about heavy rain and thunderstorms, especially in the afternoon. Keep an eye on the forecast and be prepared for rain by keeping your windshield wipers in good condition, turning on your headlights when it starts to rain, and slowing down during storms. If you're ever caught in a storm where you don't feel safe continuing to drive, go ahead and pull over in a safe place and wait until the rain passes. Summer storms tend to be brief!

Sun Glare

Glare from the sun is so annoying. Make sure you have polarized sunglasses with you. Keeping your windshield clean is also going to help reduce glare.

Strong Winds

Strong winds can make it harder to maintain control of your vehicle, especially if you're driving a larger car or towing a trailer. Keep both hands firmly on the wheel and be prepared for sudden gusts. Slow down and be extra cautious when passing other cars and when being passed.

Staying aware of the challenges brought on by summer weather will help you adjust your driving and your vehicle so you can enjoy all this season has to offer.

Interested in learning more about traffic safety?

Are you looking for defensive driving and traffic school courses? Do you want a discount on your auto insurance? Do you know a teen who’s ready to take an online driver education course?

Safe2Drive is here to help! We offer convenient online courses for drivers of any age! Visit our website today to learn about the online courses we offer in your state.

As the days get hotter and the sun shines brighter, lots of people are hitting the road for some summer fun. There's always a lot of talk about how to drive safely in winter weather, but there's not as much emphasis on safe driving in the summer. Let's explore some of the weather conditions you might encounter this summer and how they can affect your driving, plus what you can do to stay safe!

Back to TopRead More
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