MN Auto Insurance: Required Coverage

Who is covered by your policy?Minnesota Auto Insurance

You are covered by the policy in your name. Any relative living in your home, who does not have a policy of his or her own is covered by YOUR policy. This includes a spouse, children, or a minor in your custody or  the custody of a relative. A driver using your car with your permission, who is not covered by another policy, will be covered by your policy.

What are the types of coverage that are required in Minnesota?

Personal Injury Protection  (PIP) provides basic economic loss benefits. If you are injured in an accident, this portion of your policy pays you and members of your household, within the stated limits, for medical expenses, lost wages, and replacement services. These costs are paid no matter who is at fault. This is what is known as “NO FAULT” coverage.

Liability covers claims to your policy from another driver. It is also the portion of your policy that covers damages to another’s vehicle, within the stated limits, when an accident is your fault.

Underinsured coverage pays within stated limits, only for medical claims of those covered by your policy. These benefits are in addition to your PIP benefits and are used when the other driver is held responsible for the accident and does not have enough liability coverage to cover your medical claims.

Uninsured pays for your medical expenses after you have exhausted your PIP benefits and when the other driver is held responsible for the accident but is not covered by insurance.

Minnesota Auto Insurance: Required Coverage
Minnesota Auto Insurance: Optional Coverage
Minnesota Auto Insurance: Renting & Loaning
Minnesota Auto Insurance: No-Fault Coverage
Minnesota Auto Insurance: What Affects Policy Cost?

MNDepartment of Commerce

 

Snow, Ice, & Freezing Rain: Buckle Up

Safe Winter DrivingWinter Driving Safety

The snow is a sign that winter has officially started, here are a few tips for safe winter driving. Don’t go out during a snowstorm if you can avoid it. If you do, buckle up!  If you must go out, here are some tips to share the road with snow plows:

  • Give snowplows room to work; don’t tailgate or try to pass.
  • Keep in mind, there are times when several plow trucks may block all lanes on major highways, take it slow.
  • Stay at least 4 car lengths back from snowplows and equipment.
  • Spreaders on trucks can throw salt, sand etc. that can damage close- following vehicles; again, give them room to do their job.
  • Trucks carrying salt and sand often have a sign on the back warning people to stay back. That is for your safety as well as the drivers.
  • Plow truck operators have to focus on snow removal and cannot always watch out for the drivers surrounding them; so if you try to pass, you could collide with the equipment or another vehicle.
  • Drive even slower in construction zones, even though they are inactive in winter weather.
  • Always have your headlights on, plenty of fuel and wiper fluid, and tires with ample tread.
  • Remember that a snowplow operator’s field of vision is restricted. You may see them, but they may not see you.
  • Don’t text and drive and only use your phone if you have to.

What Causes Pipes To Burst?

WaterIt’s a simple scientific explanation:Ice has about 10% more mass than water. When a pressurized plumbing pipe is subjected to freezing temperatures, water turns to ice and the ice often times subjects more pressure than the pipe or the plumbing fixtures containing the water can handle.  The result:  Burst pipes and fixtures!

PEX Vs. Copper Piping

There has been a fairly large swing from traditional copper pipes to PEX pipes. They are less likely to split and break open since they have more flexibility; however, they can break at joints and at fixtures. Some plumbers still prefer the copper, but PEX is less costly per foot and typically faster to install. If your property utilizes PEX plumbing, you still can suffer pipe breaks, but do not have “pinhole leaks.”

When a water pipe bursts in your home, it’s easy to panic. The inconvenience and damage of excess water damage following a frozen or pipe burst is significant. Be sure to get in touch with Insurance Advisors if you have a incident involving any type of water damage and we will put you in touch with an industry leader in clean-up and restoration.

Information Gathered from: 24Restore.com

Protect Your Home: Cold Weather Damage

5 Ways To Protect Your House From Cold Weather DamageWater Spigot

1.Outside Spigots – Shut off and bleed.  It’s not enough to turn the faucet off. You have to bleed the pipe of all water by opening the faucet fully after the supply is turned off. This is the most common pipe to burst from freeze up.

2.Main Water Shut-Off and Freeze Alarm Systems – When traveling out of town for more than 24 hours, take precaution. There are a number of steps to follow. 1) Shut off the water in front of the water main and again bleed the system by opening faucets in the home. 2) Install a freeze alarm that will alert you when the temperature of the home drops below a certain temperature. DO NOT SET THE TEMPERATURE BELOW 55 DEGREES.

3.Furnace Maintenance –  It is advised to have your furnace serviced annually. This will not only keep the furnace running efficiently, it will prevent potential “puff back” or furnace fire claims and will improve the indoor air quality inside the home.

4.Check for Insulation Deficiencies – Heat loss through the attic or ceiling can cause the build-up of ice dams which can lead to water intrusion into the home. Proper insulation in the attic can also prevent condensation  which can warp roof decking and also add humidity and water to the attic. Also, check exterior walls with plumbing for adequate insulation and wrap any exposed pipes on exterior walls with pipe wrap or heat tape.

5.Clean your Gutters – Clogged or improperly draining gutter systems are a major contributor to many ice dam claims. When gutters have standing water in them from being unable to drain, they start the ice build up as soon as the freezing weather sets in. Even with the “maintenance free” gutter guard products, your gutters can and do get clogged. Make sure you check them before the freezing weather sets in.

Vitamin C: The Benefits

How Does Vitamin C Help You?Vitamin C | Oranges

It’s well known that Vitamin C helps fight the common cold and helps keep your immune system up, but there are other great benefits that it can help your body with. Vitamin C can help lower blood pressure, blood vessel dilation, lowers blood lead levels, & eye functionality.

Lower Blood Pressure: With lower blood pressure you reduce the probability of hypertension, which can lead to cardiovascular disease, heart attack, or even a stroke.

 

Blood Vessel Dilation: Properly dilated blood vessels an help prevent  diseases like atherosclerosis, congestive heart failure, angina pectoris (inadequate supply of blood to the heart), and stroke.

Lead Levels: A low level of lead exposure to adults isn’t dangerous, but in infants and developing children a small amount can be extremely harmful. Some possible complications include behavior or attention problems, hearing problems, kidney damage, and slowed body growth. Seizures, coma, and death can happen at higher levels of exposure.

Eye functionality: Without vitamin C your chances of forming cataracts and vision loss from macular degeneration greatly increase. Some studies show that long-term consumption and a higher intake of vitamin C may reduce and fight these diseases.

Information gathered from: Healthdiaries.com

Neurology.org

Kidshealth.org

Nlm.nih.gov

Allabouthvision.com