Prepare for Hurricane Season

The Insurance Information Institute (iii.org) suggests the following steps to prepare for a hurricane and other disasters:

  1. Review Your Insurance Coverage
    The time to review your insurance policy is before you have to file a claim. You should have enough insurance to rebuild your home and replace all of its contents. Read More

Distracted Driving

Put Your Phone Down

Just Don’t Do It!

With the increase of seasonal visitors and traffic, driving on Aquidneck Island can be frustrating at this time of year. Combining our busy schedules with extra traffic can tempt us all to multi-task behind the wheel. But don’t do it! Here’s why you should hang up and just drive…

Driver distractions or inattentive driving play a part in one out of every four motor vehicle crashes. That is more than 1.5 million collisions a year and 4,300 crashes daily, according to the National Highway Traffic Safety Administration.

Distracted Driving, Don't Do It!

According to Distraction.gov there are three main types of distraction:

  1. Manual: taking your hands off of the wheel.
  2. Visual: taking your eyes off of the road.
  3. Cognitive: taking your mind off of driving.
  • Pull Off the Road
    Don’t drive while calling or texting; pull off the road to a safe location.
  • Use Speed Dialing
    Program frequently called numbers into your phone for easy, one-touch dialing.
  • Never Dial While Driving
    If you must dial manually, do so only when stopped. Pull off the road, or have a passenger dial for you.
  • Take a Message
    Let your voice mail pick up your calls in tricky driving situations.
  • Know When to Stop Talking
    Keep conversations brief so you can concentrate on your driving. If a long discussion is required, if the topic is stressful or emotional, or if driving becomes hazardous, end your conversation and continue it once you are off the road.
  • Don’t Eat or Drink While Driving
    Spills, both hot and cold, can easily cause an accident. If you have to stop short, you could also be severely burned.
  • Groom Yourself At Home
    Shaving, putting on makeup, combing your hair or other forms of preening are distractions and should be done at home, not while driving.

Remember just one distraction is all it takes…

Content Sources: Information Insurance Institute, National Highway Traffic Safety Administration, Distraction.gov
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Get Ready to Splash Your Craft

9 Steps to Prepare Your Boat for the Season

The temperature is rising and it’s time to get your boat on the water. Make sure you perform these checks before you go out to avoid preventable issues. Read More

Helping Young Drivers

Child Driver

There are several things parents can do to help keep their teenagers safe behind the wheel. Here are a few tips:

Read More

Buying A Boat?

Read This First!

This is the time of year when many people start to consider purchasing a sailboat or powerboat. Many people, however, are unaware of the significant loss exposure this creates, and some people mistakenly believe that there is coverage available under their personal auto policy. The auto policy, however, does not provide any liability or physical damage coverage for boats. Other people may look to their homeowners policy for coverage. Most homeowners policies, however, only cover certain low-valued or low-powered boats. Thus, you should contact your agent before buying a boat to discuss the proper insurance protection for it. The following tips will assist you in this process.

    • If you purchase a boat valued over $1,500, you probably lack proper coverage under your homeowners policy for physical damage losses to the boat itself. A separate watercraft or boat owners policy is necessary to cover boats over this value.
    • If you are considering the purchase of a sailboat, inquire about its length. If the length is 26 feet or more, there is no liability coverage under your homeowners policy. For motorboats, there are severe horsepower restrictions for liability coverage. For example, only boats with outboard motors of 25 horsepower or less have liability coverage under most homeowners policies. Yet normally any type of powerboat will have a motor with horsepower way beyond this amount. This liability restriction also necessitates the purchase of separate watercraft insurance.
    • Talk to us about the types of boats you are considering. For example, some insurance policies decline to insure personal watercraft such as jet skis and wave runners, since some of these craft can reach speeds of 60 mph. The United States Coast Guard reports that personal watercraft account for a disproportionately high number of accidents. Many insurance underwriters also refuse to cover houseboats, homemade or kit boats, competition bass boats, and speedboats. You may need specialty coverage to insure these types of craft, but no worries, we can help you determine best available option for your boat.
    • Be wary of purchasing older watercraft. Many underwriters reject boats over 15 or 20 years of age because they normally account for more losses than newer boats. Here again, we can help with coverage for boats of all ages including classics.
    • If you do purchase an older boat, consider ordering a marine survey or inspection of it prior to the sale. This survey will point out deficiencies in the boat that may cause you to reconsider the purchase or renegotiate its price.
    • Ask us about procuring a personal umbrella policy in addition to a watercraft policy, particularly if you purchase a speedboat, a boat designed for water skiing, or some other craft with a higher potential to cause damage or loss of life. The personal umbrella policy provides excess liability limits above those offered by a watercraft policy. It is usually best to use the same insurance company that writes your homeowners and personal auto policies for your personal umbrella policy.

Finally, call us at 401-846-9629 to discuss! As fellow boaters we can help you to navigate watercraft coverage options and we’ll always do what’s best for you!

Copyright, International Risk Management Institute, Inc.
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6 Questions To Consider…

insurance policy checkup

One recent insurance survey suggests that over 30 million U.S. households own insurance policies that are seriously out-of-date. As a result, the following questions should be asked. If the answer to one or more of these questions is yes, then you should contact your insurance agent as soon as possible so your insurance policies can be appropriately updated. Read More

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