Signs That Seniors Should Stop Driving

Seniors, watch out for these indications that it’s time to stop driving.Signs That Seniors Should Stop Driving

While it’s unpleasant to think about, there comes a time when you become too old to drive safely. While deciding to hang up your keys for good is an incredibly difficult decision to make, it’s important to remember your lapse in driving abilities could place innocent lives at risk. If you want to keep the roadways safe, look out for these signs that you are no longer safe to drive.

Physical Inability to Operate a Car

There are many physical indications that you are no longer safe to drive. For instance, if you struggle to hold the wheel straight, have difficulty turning the wheel, or have a hard time shifting your car into gear, this shows that you lack the physical strength and dexterity to safely operate a vehicle. Additionally, if you have trouble applying steady pressure on your gas and brake pedals, this too indicates that you should no longer drive.

Confusion and Lack of Awareness

Aside from physical signs, there are also indications that you lack the focus necessary to drive safely. For instance, if you find yourself confusing your gas and brake pedals, forgetting where you are going, or getting lost even in familiar areas, then these are all signs that you should give up your keys. Lack of awareness can also indicate an inability to drive safely. This can be difficult to diagnose on your own, but if passengers tell you that you regularly miss traffic signs (such as stop signs) and have difficulty keeping up with the flow of traffic (either driving too slowly or speeding), then you should probably stop driving.

These are some of the signs that indicate that you are no longer safe to drive.  Not ready to give up the keys but still want to stay safe behind the wheel?  Then make sure you have the right auto insurance protections in place.  For assistance with your coverage needs, contact Miller Carlisle Insurance Services today.

Insurance That College Students Need

Here are some of the coverages that your college student should have in place.Insurance That College Students Need

Is your child heading off to college this fall? If so, it’s important that they are ready to handle everything that comes their way. One of the best ways to ensure that they are prepared is by securing the right insurance coverage to meet their needs. Here are some of the coverages that your student might need this semester.

  • Renters Insurance

Whether your child is living on or off-campus, they will need protection for their personal belongings. Getting the right renters insurance will ensure that they have coverage for any possessions that are damaged or stolen. Additionally, securing the right renters policy will also ensure that they are covered in the event that a personal liability issue arises.

  • Auto Insurance

If your student plans on taking a car with them to campus, they will need to have the right auto insurance protections in place. If your child’s school is in-state, they will likely have coverage under your family’s existing auto policy. However, if they are attending school out-of-state or if they meet certain conditions, they may need their own policy. Be sure to speak to your auto insurance provider to learn about all their coverage options.

  • Health Insurance

Nowadays, colleges require students to have some minimum level of health insurance. Generally, schools offer students the option of enrolling in a school health program or showing proof of coverage under a parent’s policy. If you want to keep your child under your health policy, make sure you speak to your insurer and your child’s school to ensure that they will have adequate coverage.

These are some of the insurance protections that your college student should have in place.  Looking for assistance with your personal coverage needs?  Then contact the experts at Miller Carlisle Insurance Services today.

Breaking Down Your Auto Insurance Quote

Use this guide to help you decipher your auto insurance quote.Breaking Down Your Auto Insurance Quote

As a driver, you understand how important it is to have the right auto insurance protections in place. If you are looking for the right car insurance, you have likely requested a quote from different insurance companies. However, once you receive your quote, you might realize that you have no idea how to read it. If this is the case for you, don’t worry; you are not alone. Many people struggle to make sense of the information offered in their insurance quote. Use this information to help you break down your car insurance quote.

The Deck Page

The first page of your insurance quote is known as the declarations, or “deck” page. This page will include information that’s specific to you. For instance, it will show the car you want to insure, additional insured drivers, discounts, deductibles, and so on. In addition to this information, at the top of the page you will notice three numbers such as “50/150/35.” These numbers denote the dollar amounts (in thousands) of coverage you are quoted for. The first number refers to the maximum bodily injury coverage you will receive per person. Based on the given example, this would mean that your quote is offering you $50,000 of bodily injury coverage per person. The second number denotes the maximum bodily injury coverage you would receive for all injuries sustained in an accident. In this example, this would translate into $150,000 of total bodily injury coverage. Finally, the third number refers to the maximum property damage liability coverage you are quoted for. Based on the example, this would mean a coverage quote of $35,000 for property liability damage.

Available Coverages

Another important part of understanding your insurance quote is understanding all the different coverage options available to you. For instance, some of the most common auto coverages include:

  • Liability coverage: This coverage would protect you if you were responsible for causing injury or property damage to a third-party. This coverage would also kick in and cover your legal fees if the affected party attempted to sue you for the damages.
  • Collision coverage: This would cover the damages that your car might sustain during a collision event.
  • Comprehensive coverage: This would cover any damages that your car might sustain outside of a collision event, such as the damages caused by vandalism, fire, or an extreme weather event.
  • Medical payments coverage: This coverage would pay for the medical treatment that you and your passengers might require after a collision event. This is a ‘no-fault’ coverage meaning that you can access this coverage regardless of which driver was at fault for the accident.
  • Under/Uninsured motorist coverage: This would cover you in the event that you got into an accident with a driver who did not have adequate insurance coverage to address the cost of your repairs or medical costs.

Use this information to help you better understand your auto insurance quote.  Are you looking for further assistance with your auto insurance?  Then don’t hesitate to contact the experts at Miller Carlisle Insurance Services.  Our professionals are ready to get you the coverage that you need today.

Why You Should File a Police Report After an Accident

Filing a police report after an accident will protect you and assist with your insurance claim.Why You Should File a Police Report After an Accident

It’s no secret that dealing with a car accident is a hassle, which is why it might be tempting to forgo calling the police, especially if you’ve already assessed the damage and exchanged information with the other driver. However, failing to file a police report could be a costly mistake, especially if you are not at fault for the accident. Here’s why it always pays to file a police report.

Simply exchanging contact and insurance information with the other driver is not enough to ensure that you will receive the necessary compensation to address your car’s repairs. For instance, it’s possible that the other driver has given you false information. If this is the case, then you would have no way to track the other driver down and you would be left to cover the cost of your repairs on your own.

When you call the police to the scene of the accident, they will interview involved motorists, speak to witnesses, and investigate the scene of the accident. This ensures that there is documentation about what really happened. Additionally, this will ensure that the other driver does not suddenly change their story in a way that would make it seem like you are at fault.

Perhaps most importantly, having an official police report will expedite your insurance claims process. When your insurance company can reference the information included in the police report, they can verify the conditions under which the accident took place. This, in turn, will improve your chances of receiving compensation to address your car’s repairs and any injuries you might have sustained. If you forgo the police report, you risk receiving a lower insurance payout or, worse, not receiving compensation at all.

This is why you should always file a police report after being involved in an auto accident.  Do you have further questions regarding your auto insurance?  Then don’t hesitate to contact the experts at Miller Carlisle Insurance Services.  Our dedicated team is eager to get you the coverage that you need today.

What You Should Do as the Victim of a Hit-and-Run

Here’s what you should do after being involved in a hit-and-run accident.What You Should Do as the Victim of a Hit-and-Run

An accident is considered a hit-and-run anytime an involved driver leaves the scene of the collision. Oftentimes, these accidents unfold so quickly that you do not have time to react. If you are a victim of a hit-and-run accident, here are some of the things you should do to handle the situation.

  • Do Not Chase the Other Driver

While it may be tempting, it’s important that you do not chase after the other driver. This is because your pursuit might cause you to drive recklessly, placing yourself, your passengers, and other innocent parties in danger. Additionally, the driver that you are chasing after might actually be dangerous as well. Instead of getting involved in a dangerous pursuit, you should pull over to the side of the road and make sure that you and your passengers are all okay.

  • Remember Any Details

After the accident, you will probably feel shaken and overwhelmed. However, it’s important that you collect yourself and try to remember exactly what happened. Do your best to remember any details such as the color of the other car, the state on its license plate, and any physical features of the other driver. Every detail, no matter how seemingly minor, can help you with your case.

  • Call the Police

Even if you feel that you have nothing to report, you should still call the police to report the accident. This is because having an official police report will help you with your insurance claims process. When the police arrive at the scene, recount the details without assigning blame or admitting guilt. Allow the police to come to a conclusion on their own.

These are some of the steps that you should take after being involved in a hit-and-run accident.  Remember, the best way to protect yourself from the losses caused by a hit-and-run is by having the proper auto insurance protections in place.  To find the right policies to meet your needs, contact the experts at Miller Carlisle Insurance Services.  We are ready to get you covered today.

Why Auto Insurers Need This Information

Here’s why auto insurers ask you to provide this information.Why Auto Insurers Need This Information

When you are getting an auto insurance quote, the insurance company will ask you to provide several pieces of information. But why do they need this information to give you a quote? Read on to find out some of the reasons why.

  • Your Social Security Number

While you are not required to provide your social security number to get a quote, auto insurance companies do give you the option to provide this information. When you do supply your social security number, the car insurance company will use it to run a soft credit check on you. Because your credit rating significantly affects your insurance rates, this soft credit check will allow the company to give you the most accurate insurance quote possible.

  • Your Vehicle’s Identification Number (VIN)

When getting an auto insurance quote, the insurance company will ask you for your car’s year, make, and model. However, they will also ask you to provide your vehicle’s VIN. While this might seem like overkill, your VIN reveals specific information about your car that is not encompassed by your car’s year, make, and model. For instance, your car’s VIN will tell the insurance company what special safety features are installed in the vehicle. Understanding all your car’s features will help the company offer you a more accurate insurance quote.

  • Your Home Ownership Status

Why does your home ownership status matter to car insurance companies? Well, for starters, homeowners tend to be more cautious drivers, and therefore at lower risk for an accident. Additionally, homeowners might require higher coverage limits to protect their financial assets. Finally, being a homeowner might unlock special discounts on your auto insurance. All these factors will affect your car insurance quote.

Here’s why auto insurers request this information from you when giving you a quote.  Do you have further questions regarding your auto insurance?  Then don’t hesitate to contact the experts at Miller Carlisle Insurance Services.  Our dedicated team is ready to assist you with all your coverage needs today.

Should You Bundle Your Home and Auto Insurance?

Is a home and auto insurance bundle right for you?Should You Bundle Your Home and Auto Insurance?

While bundling your home and auto insurance together is generally a great way to save on both coverages, bundling isn’t always the best option for everyone. Need help deciding if you should bundle? Then here are some things that you should consider.

Are You Eligible?

If you live in an area prone to certain weather disasters, you might not be able to bundle your homeowners insurance with your auto or other insurance policies. So, before you spend too much time deciding whether you should bundle your insurance, make sure you are actually geographically eligible to do so.

Is each policy good on its own?

While most insurance companies sell various insurance products, sometimes one insurance offering is superior to the others. For instance, an insurer might offer particularly good service when it comes to auto insurance, but their other insurance products might be lacking in comparison. Before you decide to bundle your home and auto insurance, it’s important to consider each policy individually. If you find that one does not meet your standards, you should not bother bundling.

What are my overall benefits?

Finally, you need to compare the features, deductibles, and premiums for each policy. Oftentimes, discounts in one area distract from higher costs in another. Additionally, it’s important that you do not get too caught up in the amount of projected savings. While it’s great to save on your insurance, you should not sacrifice service or coverage to do so.

These are some of the things you should consider before deciding if a home and auto insurance bundle is right for you.  Are you looking for assistance with your home or auto insurance?  Then don’t hesitate to contact the experts at Miller Carlisle Insurance Services.  We are ready to assist you with all your insurance needs today.