Protect Your Property from Fallen Trees with the Right Property Damage

Protect Your Property from Fallen Trees with the Right Property DamageDetermine what you need to know about fallen trees and your insurance coverage.

Trees a wonder of Mother Nature. They provide plenty of shade in the summer and plenty of oxygen year-round. However, during the summer months, when more thunderstorms are likely to occur, it’s important that you take care to use precautions to avoid fallen trees. Despite your best efforts, sometimes fallen trees can cause serious damage to your property. Find out what you need to know about fallen trees and your insurance so that you’re well protected.

Property Damage.

If a tree falls and causes damage to the structure of your home, your homeowners insurance will likely give you some coverage to help remove the tree and fix the structure. However, it’s important to note that if the tree fell due to a lack of maintenance your insurance won’t cover you. Ensure that you stay up on your home maintenance and remove any dead tree limbs or limbs that are too close to the structure of your home.

Car Damage.

Should a car fall on your tree, you’re likely covered under your auto insurance policy. However, it’s important to check the specifics of your policy to make sure. While your coverage will help to make repairs to your vehicle, the removal of the tree is likely not covered under your policy.

No Damage.

In some instances, a tree will fall but cause no damage. Under these circumstances, you’re then responsible for removing the fallen tree out of pocket since there had been no physical damage to the structure of your home.

When it comes to fallen trees, ensure that you have the tools that you need to protect you, and invest in the right insurance policies. For all of your insurance needs, contact Miller Insurance Associates in Carlisle, Pennsylvania.

Safe Driving Habits to Teach Your Teen

Teen Drivers & Auto Insurance Carlisle, PA

The better you prepare your teen driver, the safer they will stay on the road.

Watching your teenager drive off on their own for the first time after getting their license can be a stressful moment as a parent. Knowing that you have given them the tools and know-how they need to stay safe can help to limit that stress. Follow these tips to help your child cultivate safe driving habits.

  • Buckle up – you should always put your seatbelt on when you get into the car, even if you are just driving down the road.
  • Stash the phone – sending a text, making a call, or looking at a picture on a cell phone all increase the chances of getting into an accident.
  • Slow down – many teen drivers tend to speed down the road. Explain to your teen the importance of following the speed limit to stay safe.
  • Avoid night driving – dark roads can be much more dangerous than roads during the day. Unless it is absolutely necessary, avoid driving at night.
  • Check the weather – little experience behind the wheel mixed with harsh weather conditions can lead to serious danger. Teach your teen to check the weather report before they head out the door each day.

Most importantly, make sure your teen is covered with the right auto insurance policy. Contact Miller Insurance Associates in Carlisle, Pennsylvania for all of your car insurance coverage needs.

Warm Up Your Car for Winter

Car care tips to keep your vehicle running smoothly through winter and beyond!

Heading out in a poorly maintained car in winter is a bad mistake to make. The winter weather brings cooler temperatures, deadly ice, and puts a huge strain on your vehicle. Regular maintenance is always advised, but pre-winter preparation is vital for your vehicle!

Use these tips to keep your ride running:

  • Get the engine evaluated for any drivability problems
  • Replace dirty filters such as air, fuel, and PVC
  • As the subzero temperatures approach, add a bottle of fuel deicer to your tank once a month
  • Change your oil and oil filter as specified
  • Check that the heater and defroster are in good working condition
  • Replace old wiper blades for best visibility
  • Have your battery checked by a professional
  • Inspect all lights and bulbs
  • Examine tires for wear, uneven tread, and any damage. Also check the tire pressure is at the recommended psi.
  • Ensure that your spare tire and jack are in good condition.
  • Check your brakes.
  • Always carry an emergency kit with you!

In addition, review your car insurance so that you maintain the correct coverage for your car. Don’t be left in the cold this winter! Contact Miller Insurance Associates, located in Carlisle, Pennsylvania, for the auto insurance that will keep you protected for every turn in the road.

What Does Tire Pressure Mean?

Understanding Tire PressureHow to Understand the Tire Pressure Monitoring System

The Tire Pressure Monitoring System, or TPMS, light was added to the dashboard to alert the driver about an issue with the tires. But what does that mean?

Low Pressure
The TPMS light does not illuminate until the tires are significantly underinflated, 25% below the tire pressure recommended by the vehicle manufacturer. You can find the optimum pressure on a notice on the driver’s door jam. Low pressure can cause hydroplaning, decreased grip on the road, and reduced control of steering. This can cause accidents which will lead to financial strain and a lack of transportation.

When The Light Illuminates
As soon as you can, stop and inflate your tires. If you see the light come on, and disappear after a few moments, it is most likely because your tires were under inflated to near the 25% below threshold. An increase in the external temperature can change the tire pressure by 1 – 2 psi (pounds per square inch).

Regardless of conditions, correctly inflated tires are an important safety precaution that should not be overlooked. Maintain your car in it’s best condition by fully insuring it. Talk to an agent at Miller Insurance Associates for the best auto insurance for you and your vehicle.

Top Ten: Causes Of Distracted Driving

Car Insurance Carlisle PAAre You Avoiding These Common Distractors?

We all know how easy it can be to get distracted behind the wheel. Whether you have reached for a CD or taken a phone call, you have probably diverted your attention from the road at some point. You have also (hopefully) put that kind of behavior behind you now, knowing that distracted driving is extremely dangerous. It is also extremely common. According to the National Highway Traffic Safety Administration and Virginia Tech Transportation Institute, here are the top ten most common driver distractions.

  1. Wireless devices (e.g. cellphone) usage
  2. Interacting with passengers
  3. Reach for something in the car, including CDs, food, or fallen items
  4. Playing with the dashboard controls (e.g. programming radio stations)
  5. Attending to personal hygiene, including using an electric razor and applying makeup
  6. Eating movements, like unwrapping food or opening a drink
  7. External distractions (e.g. an interesting billboard)
  8. Talking/singing to oneself
  9. Smoking
  10. Daydreaming

You would never allow any of these distractions to take your focus from the road, and your clean driving record shows it. To learn about how your safe driving can help you save on your insurance coverage, contact Miller Insurance Associates in Carlisle. We are here for all of your Pennsylvania car insurance needs.

Helpful Advice For What To Do After A Car Accident

Car Accident Reporting Tips

Getting in an accident is never an easy experience, but if it is your first one it can be downright frightening. To ensure that you can handle this experience with efficiency and ease, we have gathered some helpful advice for what to do after a car accident:

  • If anyone is injured, you must call 911 immediately. If nobody is injured, simply call the local police or fire department so that you can report your accident.
  • While you may think it is best to keep the scene of the accident intact, it is safest and most courteous to pull over to exchange information.
  • In exchanging information, you will want to collect and give out the following: name, address, driver license number and state of issue, make of all involved vehicles, phone number to all involved, including witnesses, insurance company name, model and year of vehicle, description of all damage caused, and pictures of the accident and all involved vehicles.
  • Once you have safely returned home, you must call your insurance agent. Some insurance companies have stricter deadlines than others, but making this call will ease your worries significantly as you pass on many of the responsibilities to your agent.

Contact Miller Insurance Associates in Carlisle for all of your Pennsylvania car insurance needs. We will guide you through the process of filing a claim.