Help Curtail Aggression Behind the Wheel

Join Insurance Advisors, Inc and Safeco Insurance in taking a pledge to be a more courteous driver in Drive It Forward Fridays (#DIFF)

SafeCo drive it forward Fridays logoSummer travel season has started, and you have a chance to help make driving in and around Minnesota more pleasant and safer for everyone.

We at Insurance Advisors, Inc are joining Safeco Insurance in asking drivers to participate in Drive It Forward Fridays (DIFF). To take part, drivers can visit www.safeco.com/diff or use the hashtag #DIFF on Twitter to pledge to be a more courteous driver and to share their positive driving actions.

“Helping to promote better driving makes the roads safer for everyone in our community,” said Patty Czock, Vice President, Insurance Advisors, Inc.

A new Safeco Insurance survey found that more than four out of five drivers have experienced others’ aggressive driving behavior, and it impacts them negatively.

Only 36 percent of those surveyed admitted to driving aggressively. Yet, 85 percent describe other drivers as aggressive, and 82 percent said it’s others’ behavior on the road that makes driving a negative experience.

Not all the news is bad. Of those surveyed, 72 percent said that they’d be willing to make at least one change to their own behavior to make driving more pleasant for everyone. So as the summer travel season kicked off, Safeco Insurance launched the Drive It Forward Fridays campaign to encourage drivers to take positive steps to counter negative driving behavior that can be dangerous.

Insurance Advisors, Inc. is proud to support Drive it Forward Fridays and we’ve made our pledge!

School Bus Safety & Awareness

School Bus Safety Tips & Facts

School bus safety awareness.It’s that time of year where the dog days of summer goes from swimsuit clad kids to kids loaded with school supplies and heading to the bus stop!

While Waiting for the Bus

  • Arrive with plenty of time to spare; rushing to catch the bus can lead to injuries.
  • Walk on the sidewalk or if no sidewalk is available walk on the left side of the road facing traffic.
  • Always walk to the bus stop
  • Stay six feet from the curb so the bus driver can see you. That’s 3 big steps for most kids.
  • Never speak to strangers and NEVER get into a car with a stranger (Parents inform your kids about the lost puppy/kitten ploy strangers may use to get them in the car)

On the Bus

  • Find a seat right away and sit down
  • Don’t hang out the window or throw things out the window
  • Use your indoor voice on the bus
  • In an emergency, listen to the driver and follow directions

Exiting the Bus

  • When leaving the bus walk six feet away from the door (three big steps)
  • Stay clear of the bus wheels and watch for moving cars
  • Never try to return to the bus for anything you may have left behind, the driver may not see you returning

Drivers Be Alert for Students and Buses

  • If you drive in a school zone during your commute be aware of the schools start and end times. Consider an alternate route to help reduce traffic congestion in the area of the school
  • Follow posted speed limits in school zones.
  • Do not pass a stopped bus if the red lights are flashing and the stop sign is extended
  • Wait for the flashing lights to stop and the bus to begin moving before proceeding

School Bus Facts*

  • School buses are designed to be safer than passenger vehicles in avoiding crashes and prevent injury
  • School buses are the safest mode of transportation for getting children to and from school
  • School buses keep an estimated 17.3 million cars off roads surrounding schools each morning

*These facts were provided by the National Highway Traffic Safety Administration

If your children ride the bus or walk to school from a childcare provider’s home, you should check with that provider to make sure that they have the proper liability coverage to protect your child in the event something should happen off the child care provider’s property.   Homeowner’s liability coverage is premise only coverage.

By: Chistine Gaffron, Insurance Advisors Inc.

College Student Renters Insurance

As you start to gather all the necessary items your college bound child needs for school don’t forget to think about insurance!

College student with parent looking over handbook.What’s Covered?

Most homeowners’ policies will provide coverage a student’s personal property if the student is living in dorms or university owned housing.  It is usually around 10% of what a parents’ coverage is; if a parents personal property coverage is $100,000, a students’ personal property coverage would be $10,000.

Know what they took to college!

When you and your student pack for college, take the time to make an itemized list and photograph each item, and if available include a copy of the purchase receipt.  This will make the claims process go much smoother if an item is lost, stolen or damaged.

Students living off campus might not be covered by their parent’s homeowner’s policy.    A student can purchase their own renters policy that typically cost about $100 – $150 per year for $15,000 worth of coverage.

Coverage may vary from one insurance company to another, be sure to check with Insurance Advisors, Inc. for exact details of your policy.

By: Chistine Gaffron

Download our free insurance claims process tip-sheet!
Download our free insurance claims process tip sheet.