Chips and Cracks: When to Repair Your Windshield

Chips and Cracks: When to Repair Your WindshielIf your windshield gets chipped or cracked, should you repair or replace your windshield? If you can, it’s best to get it repaired. 

Regardless of where you live, your windshield is likely to take a beating. Whether you’re driving behind a street truck salting the away the snow, a construction truck carrying pebble-sized debris, or a branch that all but waited to fall and crash onto your windshield. Windshield repairs are safer for your car; they keep the structural integrity of the vehicle intact and are less costly than a full replacement.

Large and Small Repairs

The bad news is that you have a crack in your windshield; the good news is that smaller chips and cracks can be professionally repaired for less than $100. A good way to measure if you need a repair, rather than a replacement, is by using the dollar bill technique. If you can cover the area of the crack with the bill, then a repair is likely all you’ll need.

The repair process works by injecting a special kind of resin into the chipped area. For cracks, holes may be drilled at the ends of the crack to prevent the further spread, as anyone with a cracked phone screen will tell you that little cracks only get longer and longer. Windshields are made of three layers: a layer of a polymer is sandwiched between two layers of glass. Drilling into, but not through, the plastic takes skilled hands, so it’s best to take it to a professional rather than do the project on your own.

A quality auto insurance policy, with comprehensive coverage, should step in to cover any costs relating to windshield damage! To learn more about how you can pay less for your auto insurance in Carlisle, Pennsylvania, contact Miller Insurance Associates.

Business Insurance Needs for Startups

Business Insurance Needs for StartupsBusiness insurance is not just for major corporations, but even for the smallest of home-based businesses as well.

For most companies, even little ones, business insurance should be considered as a quintessential necessity. In some states, some types of insurance are required by law. Others may not be legally required, but may be desired by business associates or investors. But, business insurance isn’t about meeting requirements; it’s about protecting your employees and your investment in the organization. Here are the kinds of business insurance policies all businesses should for their protection.

Types of Insurance Policies:

General Liability Insurance

This provides financial protection for your business in the event of lawsuits and claims. This usually covers injuries or property damage if your employees succumb to harm or illness at work and bring a lawsuit against you. This policy may include the legal fees associated with the suit.

Property Insurance

Property insurance covers your business’ physical building and assets. Fire, smoke, wind, hail storms, and theft are usually included. That means if there’s a big enough storm and it knocks over a tree or causes a short circuit causing your business burns to the ground, the coverage will take effect and pay for the repairs. Flood and earthquake damage are generally not covered by property insurance.

Business Owner’s Policy (BOP)

A BOP bundles general liability and commercial property coverages and is the most affordable choice because you are not purchasing two separate policies.

Small businesses are not immune to risks; life takes no breaks and tends does not discriminate its distribution of punishment. For all of your business insurance needs to ensure you have the right cyber liability coverage, contact Miller Insurance Associates in Carlisle, Pennsylvania.

How One Infraction Can Increase Your Auto Insurance Rate

Why Is My Home Insured for More Than It’s Worth?Failing to wear a seatbelt might be the last of the once great “minor infractions” left, as just about anything else increases your premium by about 20 percent.

There may have been a time where minor traffic tickets didn’t do much to your insurance premiums. But those days are long gone, there is no such thing as a minor traffic ticket. MIA likes to point out that the annual cost of auto insurance has been nearly flat in recent years, only rising from $798 to $815 over two years. The Bureau of Labor Statistics notes that the cost of insurance eats up 2 percent of the income in low-earning households. This strikes many as surprising because low-income drivers typically have high premiums.

The insurance market has stayed relatively low, only increasing 10 percent over the last decade. To put that in perspective, food costs grew by 21 percent; housing expenditures rose 29 percent, and out-of-pocket health care spending increased by a whopping 52 percent! All drivers benefit from the robust market of auto insurance where they can shop for the best policy at a competitive price.

While it isn’t as expensive as other everyday expenses, it isn’t exactly pocket change, either. It gets significantly costlier, however, when you commit “minor” infraction. Things like not signaling, failure to yield, not stopping for pedestrians, failure to stop at a signal, following too close, improper passing and speeding can all increase insurance rates at an average of 20 percent.

Insurance premiums are determined by combining your driving record and other factors into an equation that measures low- and high-risk drivers. The results generated from the equation determine your risk level and your monthly premium. Statistically, people with infractions are considered a higher risk, which explains the increase in premiums: companies now see you as a liability.

Being a safe driver will help you avoid high auto insurance premiums! To learn more about how you can pay less for your auto insurance in Carlisle, Pennsylvania, contact Miller Insurance Associates.

Why Is My Home Insured for More Than It’s Worth?

You may have noticed that your home is insured for more than its market value, which if you stop and think about it, actually makes sense.

While the market value of your home is commonly based on tax assessment records, real estate appraisals, or the recent selling value of homes around your neighborhood, your homeowners insurance policy limit is based on the cost it would take to replace your home if it were destroyed. This is frequently an amount greater than what your home could be sold for.  There are many factors that affect your home’s reconstruction value; here are a few that could do just that and why your insurance coverage is so much higher than what your home is worth.

Factors That Affect a Home’s Reconstruction Value

Many different factors affect how much it would cost to reconstruct your home entirely, but here are the main ones:

  • The local construction costs
  • The home’s square footage
  • Any improvements or additions made to the home
  • The materials used in the interior and exterior construction
  • The style of the house
  • Any unique or custom-built features like fireplaces or exterior trim

It’s important to note that it’s common for a house to have a significantly higher homeowners insurance limit when it’s an older home. The reason for this being that building materials common to older homes like plaster, hardwood floors, trim, and full-dimensional lumber come at greater costs than a modern home of the same size and style.

For all of your homeowners insurance needs to ensure your home is fully covered for a complete reconstruction, contact Miller Insurance Associates in Carlisle, Pennsylvania.

How Your Small Business Can Go Green

More and more companies are going Green, if you’re interested in converting your business into a Green business, follow these helpful tips.

Environmental consciousness is something that is important to consumers everywhere. In an age where human activity has planet-wide consequences, the eco-friendliness level of a business can often be the deciding factor in choosing one product over the other. As consumers are becoming more and more aware of the affect we are having on the earth. You may have seen some businesses around your neighborhood adapting to reduced energy usage, and have thought about going Green yourself. The resources below will provide great information on how you can make your small business environmentally friendly, appeal to customers, and save you money in the long-run.

  1. Leave Paper Behind – Whenever possible, avoid using paper entirely. If you have to print, use eco-friendly paper. Post-consumer waste (PCW) is made entirely from the paper we dump in recycling bins every day. Making PCW paper utilizes 45 percent less energy to produce and creates half the waste that traditional paper makes. Look out for the “ 100% PCW” label on your next ream.
  2. Replace Outdated Appliances – Energy Star appliances have labels that help you assess their energy consumption. Newer appliances use less energy because they are more efficient and have been made with climate change in mind.
  3. Alternative Energy Power – In many areas of the country, you can sign up to purchase “green power.” This energy is generated from renewable energy resources (e.g. wind, solar, geothermal, hydropower, plant matter, etc.) The investment is quite significant, but a lower energy bill will save you money in the long-run.

Going green is going to be critical for future businesses, so getting a jump-start is going to greatly benefit your organization. For all of your homeowners or business insurance needs to ensure you have the right cyber liability coverage, contact Miller Insurance Associates in Carlisle, Pennsylvania.

How to Stay Safe on Your Motorcycle This Summer

How to Stay Safe on Your Motorcycle This Summer

Motorcycles are a risk to operate on the road because of their tiny bodies and their speed.

Motorcycles are vehicles that have much less mass than their automobile counterparts. They also do not have a steel frame to protect them from direct collision with another vehicle. Their small size also doesn’t help, as many drivers aren’t looking out for tiny things in their side-view mirrors. Because of all of these factors, motorcycles are dangerous vehicles to maneuver. Driving safely, however, is not impossible. Here are a few tips on how you can you ride a motorcycle and keep you safe while treading the road.

  1. Be Visible

Being visible on your tiny bike is important. Remember that motorists often have trouble seeing motorcycles, and when they do, their reaction time isn’t that great. To ensure that they see you, always make sure that your headlights work and are bright enough to pierce the dark sky. And when you’re about to make lane switches, never assume they see you!

  1. Wear the Appropriate Gear

Wearing a helmet should be first on your list of safety. A DOT approved helmet is the best way to secure your brain’s safety. Concrete and craniums don’t mix very well. Gloves are also something you should invest in; the first thing you do when you fall is put your hands up to break your fall. Going at high speeds plus the pavement will shred your hands. A jacket is something you should purchase as well. A good jacket will protect your skin from the high friction that is produced between your body and the ground.

For more tips on how to ride safely during this season and beyond, contact Miller Insurance Associates in Carlisle, Pennsylvania. We’ll work with you to get you the best motorcycle insurance policy that meets all of your need.

Insuring Your Artwork

Insuring Your Artwork

Your art collection is something you hold very dear, and you may consider it priceless because they’re paintings or sculptures you selected; insuring them is the best way to protect their integrity.

Art insurance is something that you may have thought of and something that you may have already purchased. Read your policy again—for what is your artwork covered? If you already have art insurance, you may only see your coverages are against common things like fire, and flood/water damage—which are good to have—but if you’ve ever seen films like “Ocean’s 11” you know there exist thieves whose expertise is artwork. If your insurance doesn’t cover theft, you may be left in the dark should they ever be stolen.

“Theft insurance is way too expensive!”

The cost of theft insurance is rather expensive, but only if you protect an entire collection. Research shows that thieves rarely ever steal entire collection. They only steal parts of them, and usually pretty small parts. So insuring the value of an entire collection is not necessary. Theft insurance doesn’t cover specific works of art, rather, it covers “incidents.” Your insured for a set amount, no matter what gets stolen.

Insurance Tips:

  • Photograph and document your collection. Include current appraisals, original sales receipts, and any additional paperwork that speaks to the value of your art.
  • Make sure you understand your policy. That means that you understand the fine print and should ask any questions regarding your policy you’re still unsure about.
  • Invest in a quality security system. That means security cameras, motion sensors, pressure sensors, and frames that fasten on the wall well.

There’s no excuse for not purchasing theft insurance because you never know when your artwork will be targeted by Ocean and his boys to be stolen. Contact Miller Insurance Associates, Inc. for all of your insurance needs to be protected against any threat that poses a risk to your safety.