Teen Driver Insurance Policy in Boynton Beach, FL

When to Add a Teen Driver to Your Insurance Policy

Teen Driver Insurance Policy in Boynton Beach, FLFor your teen, learning how to drive is one of the most exciting times of their lives. Finally, a means to freedom so they think. We all remember the excitement of getting our driver’s permit, then our driver’s license. While your teen driving has its benefits, it also comes with a great amount of responsibility. Reminding your child that driving is a privilege and not a right can help them to remain in control and not distracted while driving.

For you, it is important to understand when to add your teen driver to your insurance policy.  While each state requirements vary, in most cases your auto insurance policy will cover your permitted driver until they acquire their driver’s license. At that point, you’ll want to add them as a driver to the insurance policy even if they do not have their own vehicle.

Avoiding adding your teen driver to the policy is not only against your insurance policy language, but can lead to a dreaded claims denial if your teen is involved in an accident and it is determined you purposefully avoided adding them. Be sure to contact your agent to discuss your options and determine when the best time to add the driver to your policy is.

Some things to keep in mind:

  • Some carriers offer Good Student Discounts if your student keeps their grades up.
  • If your teen child is doing delivery as a job such as pizza delivery or newspapers, this requires a special commercial policy.
  • Even if your rates go up because your child is on your insurance policy, if they have their own vehicle this could net you a multi-vehicle discount on your policy.
  • Having your teen on their own policy will likely lead to higher premiums.

Keeping your teen safe on the road is your number one priority. Keeping your family insured with the right coverage is ours. If you have a teen driver in the household, be sure to contact our agency to discuss what options might be right for your situation.

If you have questions about your auto insurance, call the insurance agents at Leslie Kay’s Insurance.

Leslie Kay’s Insurance has been providing customers in the 48 contiguous states the best service and coverage for all their insurance needs since 2000. We work hard to find you the right insurance company for your specific needs. Because we are an independent insurance agent we can shop for a great rate on motorcycleautohome or RV through multiple carriers. Checkout our insurance website 24/7 or request a quote and an agent will call you back!

Protect Yourself While Riding with these Safety Tips

CAN YOU SEE ME NOW?

by Leslie Kay Drury

I see you?  Can you see me?  As riders of two wheeled machines we see many things.  Especially visible are trucks and cars (cages) all seemingly aiming to take our lives or at the minimum ruin our carefully planned ride.  Any trip we take has the possible misfortune of being interrupted by someone texting, Facebooking, applying mascara, or rubber necking at anything other than the road.  Some mishaps are simply unpreventable accidents.  Others may be prevented by taking some simple steps to stay visible.

Stay out of the No-Zone

The illustration below shows where a trucker will be unable to see you.  These blind spots are dangerous and need to be respected.  A tractor trailer takes

a lot longer to stop than a mini-van.  Keep plenty of distance between you and them.  All vehicles have blind spots.  Even other Motorcyclists.  If you are riding in a stagger with another biker be sure you can see their face in their mirror.  If you can see them they can see you.

Reflective Gear

Wearing reflective gear and using reflective tape when and where possible makes you visible. If you are traveling or even just doing day to day riding you may and probably will at some point be on your motorcycle at night.  Want to be seen?  Having reflective material on the back of your gloves and using your hand signals in addition to the signals on your cycle may make all the difference.  Is your motorcycle Basic Black?  Reflective tape on the back of your jacket and or helmet will add visibility for the drivers around you.

Wear Bright Colors

Road workers wear fluorescent orange and yellow for a reason. It can be seen.  High contrast clothing and clothing with reflective reports attracts the eye and can get you seen in time to prevent a collision.  OSHA has square inch recommendations for how much high vis gear a road worker needs to wear based on the speed of the surrounding traffic.  Guess what…the square inch requirement is highest for those nearest traffic.

Avoid putting yourself in a compromising situation

While we cannot avoid riding at night entirely we can limit it. The likelihood of a serious motorcycle accident significantly increases at night.

Common sense tells us that rush hour is not a place we want to be on purpose. Simple planning and time management can save your life.

Lighting

The National Highway Traffic Safety Administration has done the research and proven that conspicuous forward lighting assists in the prevention of motorcycle collisions. This includes daytime collisions as well as night time. Today’s available LED lights provide even greater visibility and therefore afford a higher degree of safety.

In the day to day hurry and hustle of our lives we never seem to slow down and just take our time.  Many of us bought our motorcycle as part of our recreational time.

recreation noun

  1. refreshment by means of some pastime, agreeable exercise, or the like.
  2. a pastime, diversion, exercise, or other resource affording relaxation and enjoyment.

Remember to Relax and enjoy your ride.  Enjoy the pastime and the diversion of it.  Good decision making and education should always part of the exercise of getting out on the roads.  There will always be people texting, Facebooking, rubbernecking, or just plain ignoring the rules of the road.  Take the steps to respect the “No Zone”, be visible, relax, and just ride.

Umbrella Insurance Policy in Boynton Beach, FL

How to Create a Great BBQ Party

Umbrella Insurance Policy in Boynton Beach, FLSummertime is one of the most popular seasons to BBQ with friends and family. Whether it’s grilling at your local park or in your backyard, gathering with friends and family on a sunny day always is a memorable event. What makes a BBQ party great? We give simple suggestions of how to create a party you and your guests will remember!

Create a Signature Drink 

  • Whether a great cocktail for the adults or fresh squeezed lemonade for kids, creating a signature drink for your BBQ party adds fun to the environment. Making one signature cocktail is much less work than playing bartender throughout the entire day. Think: sangria, mimosas, margaritas or Moscow mules. Many times you can make big pitchers to lessen the work load.

Prep in Pieces 

  • Instead of trying to do it all in one day, strategically plan to prep in pieces. Have one day where you just go to the grocery store. The next day, chop and prep your produce or make a side dish that can sit in the refrigerator overnight. On the day of your BBQ, setup your table or decorations.

Simple Entertainment 

  • One of the most simple forms of entertainment at a party is good music. Pick out a playlist or stream Pandora through your outdoor or bluetooth speaker. If you want to provide more entertainment, create an outdoor game competition like ladder golf, bocci ball, volleyball or corn hole. Squirt guns, a football/soccer ball or arts & crafts are easy to keep kids busy for hours.

Pick a Theme 

  • Theme parties can be even more memorable! Plus, you can match your food to your theme. If you don’t want to cook all of the food yourself and prefer a potluck style, give suggestions to your guests so they know exactly what to bring to fit your theme.

Buy Plastic Containers 

  • Obviously BBQs with plastic silverware and plates work great for easy cleanup but what about providing plastic take away containers for your guests? Especially if you have a lot of food leftover, plastic containers are a great way to share your food for another day. This also saves space in your own refrigerator! Ask your guests, “what food can I send you home with?”

While throwing a great BBQ party can make for great memories for you and your guests, being properly insured for any unexpected liabilities is also important. The good news is that umbrella insurance policies are relatively inexpensive. Contact an agent at our office for your personalized umbrella insurance quote today.

Leslie Kay’s Insurance has been providing customers in the 48 contiguous states the best service and coverage for all their insurance needs since 2000. We work hard to find you the right insurance company for your specific needs. Because we are an independent insurance agent we can shop for a great rate on motorcycleautohome or RV through multiple carriers. Checkout our insurance website 24/7 or request a quote and an agent will call you back!