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“It Can Wait” Texting and Driving Do Not Mix
April 3, 2016
If you drive the highways around the Southern Tier of NY you have likely seen the green New York State “Text Stop” signs along the side of the road. The signs are placed to remind drivers that texting while driving is not only illegal, but is also highly dangerous. According a Center for Disease Control (CDC) study 9 people are Continue Reading
If you drive the highways around the Southern Tier of NY you have likely seen the green New York State “Text Stop” signs along the side of the road. The signs are placed to remind drivers that texting while driving is not only illegal, but is also highly dangerous.
According a Center for Disease Control (CDC) study 9 people are killed on US roadways every day as the result of distracted driving which includes texting while behind the wheel. More, the National Safety Council estimates 341,000 of crashes in 2013 involved text messaging.
There is no questions that cell phones make staying in touch with family and friends easier. They are also an effective tool in responding to and reporting an emergency. Easy to carry, simple to use, it is hard to imagine a time without the convenience of the nearly instantaneous communication they provide to us. That being said, texting while driving is on of the most dangerous forms of distracting driving for several reasons:
In response to the dangers of texting while driving many manufactures are equipping their new cars with a hands free text reader feature. The feature connects to your cell phone via Bluetooth and will “read” any incoming text messages out loud through your car’s audio system. The feature may also allow you to respond to text messages via voice commands. Though new technology such as the hands free feature may help with lessening the risk, bottomline, as the New York State signs say - “It Can Wait”. There is no text message that is more important than is you arriving safely at your destination. Keeping your eyes on the road, your hands on the wheel and to avoid the temptation of looking at a text message when driving, placing your cell phone out of sight will help keep you, your passengers and your fellow drivers safe.
Have questions about how your safe driving can affect your auto insurance cost? We would LOVE to help. Please feel welcome to call us at 607-324-7500.
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“Am I covered if I drive someone else’s car?” Or, “Am I covered if someone else drives mine?”
Many don’t realize that the insurance industry is one of the country's most regulated business segments, especially in New York State. The New York State Department of Financial Services (NYS DFS) wields significant control over the insurance business and has a stated goal of protecting consumers.
Most property insurance companies offer Actual Cash Value or Replacement Cost settlement options. Typically, insurance companies will require that you insure the property to the settlement value you choose. If you select Actual Cash Value, the amount you may be required to insure the property for will be less than the corresponding Replacement Value.
In that spirit, the Ryan Agency is sponsoring a Stearns BBQ Dinner pickup at our office on 57 Broadway Mall in Hornell on September 12th from 3:00 PM to 4:30 PM.
Today, an individual’s credit history can play a more significant role than any one of those traditional factors. Good Credit Scores lead to a Positive Insurance score. A good Insurance Score greatly influences what someone will pay to insure their vehicles.
Insurance companies offer various discounts for which their policyholders may qualify.
Great Eight number Six (6) suggests taking a look at removing Comprehensive and Collision on Older Vehicles.
By reducing the number of claims in your insurance history, you can significantly affect your rates in the future.
Sometimes, this concept meets with resistance from policyholders. The thought of paying more in the event of a claim is off-putting to some. Even if that means I pay more for my insurance.
OK. Admittedly, this strategy doesn't benefit everyone, but it can be very beneficial for those it does. You may have unique home or auto insurance needs that prevent you from bundling with the same company. Alternatively… you might have a better rate without the bundle discount by splitting up your insurance between multiple carriers.
