Month: November 2015

Improve Your Winter Driving Skills

Posted on by AgentInsure

You should always be looking to improve your driving skills. As you drive throughout Washington, you may experience snow, ice, and even freezing rain. There are ways for you to improve your skills so that you can navigate the road in a more expert way, and reduce the chance of being involved in an accident.

One of the most important things to do to improve your driving skills is to have the right equipment. This includes having snow tires on your car. If you have 4-wheel drive, it can help with your traction, but don’t depend on it for everything. You still need to exercise caution when it comes to taking turns as well as braking.

Another thing you want to do is stock your car with supplies. This includes gloves and a hat, jumper cables, as well as a shovel. A flashlight can also be helpful if you encounter a problem at night.

Watch what is going on as you drive. Don’t look at the car in front of you only – look several feet ahead. There may be an animal getting ready to cross the road or there may be shadows from buildings or billboards that could be hiding a patch of ice.

Approximately 80% of collisions can be avoided simply by being more alert. Be ready for anything. By not following too closely, you can make sure you have enough room to brake without hitting the car in front of you, too.

At Linda Dugan Insurance, we can help you to find an affordable auto insurance policy in Longview, Washington. Call and speak to one of our agents today so we can answer questions you have, provide you with more winter driving skills, and get quotes from some of the top insurance companies in the state.

 

How To Decide On Home Liability Coverage

Posted on by AgentInsure

Deciding on home liability coverage in Washington can be difficult. You want to make sure that you have sufficient coverage so that you don’t spend a fortune of your own money in the event someone gets injured on your property. You are the homeowner and therefore you are often held liable if someone slips and falls, burns themselves, or potentially even dies.

There is a significant amount of expenses that can be incurred. These include:

  • Legal costs
  • Medical bills
  • Pain and suffering
  • Death benefits
  • Lost wages

You don’t want to be responsible for all of these expenses on your own. It is easier to have them encompassed within home liability coverage, which is part of your homeowner’s insurance policy. When you purchase your homeowner’s policy, you can determine what level of coverage you have in place for home liability. This is going to involve working with an independent insurance agent who can guide you through all of the options.

You can choose to add various scenarios where home liability coverage will take care of the incident. This can include basic negligence as well as if someone were to leave your property inebriated and get into an accident.

As the homeowner, you can be held responsible for all sorts of incidents and the financial repercussions can be astounding. You can increase the limits as high as you want to minimize the chance of having to pay out-of-pocket. You can also choose to add a personal umbrella policy as optional coverage, providing additional liability protection.

At Linda Dugan Insurance, we’re here to work with you on homeowner’s insurance in Longview. Let us get quotes and answer questions you may have about home liability coverage. We can help you to find an affordable policy.