Understand The Risks of Syncing Your Phone With a Rental Vehicle

BE AN INFORMED CONSUMER: During the holiday season many of us rely on rental cars to reach our destinations. With today’s technology making hands free calls, streaming music, and access to the internet so easy, it might be tempting to sync your phone with your rental car. Not so fast, the stored information on your mobile device can put you at risk for having your personal information stolen. It is possible for an unauthorized person to gain access to things such as your home address, contacts, and messages. Your name and navigation history is valuable personal information. Combine this with some open source intelligence, such as social media profiles, and it’s easy to track down an individual. If you use GPS in a rental to get home or to a loved one’s house a robber could find the address and even reveal your identity with this information. Lots of information can be saved when you connect to a car:

*GPS history

*Device Name

*Address Book

*In-Car internet search history

*Call Log and Text messaging

If you choose to sync your mobile device to a rental car protect yourself and take a few minutes to delete your data before returning the car. Go to the system settings or Bluetooth set up and delete your device from the paired phone list. Currently there are no government standards for infotainment systems and major car rental companies have no sensitive information policies in place. The threat may seem remote now but it’s better to be safe than sorry. So the next time you rent a car think twice before you sync your mobile device with the rental.

How to protect yourself from a liability claim at your holiday party in Boynton Beach, FL

Hosting a holiday party? 3 Things to Keep in Mind.

How to protect yourself from a liability claim at your holiday party in Boynton Beach, FLThere are many factors that go into hosting a great holiday party. Whether it’s prepping your family’s homemade, traditional recipes, cleaning your home for guests or decorating for the perfect holiday festivity, hosting a party is a lot of work! At the same time, it can be fun & your guests may look forward to your party for weeks. While we wish parties could be all fun and games, there are some risks you should be aware of.

Alcohol

We all know and understand the risks of drinking too much alcohol. However, when you are the host of a party and serving alcohol, you could be liable if someone leaves your home after drinking too much and gets into a car accident. As a host, be aware of how much your guests are drinking and ensure they have a safe ride home. Even if that means calling a taxi or Uber for them.

Tripping Hazards

There are many ways a guest could trip and fall inside or outside your home. You can be liable and a home insurance claim may need to be placed if a guest is injured on your property. Here are a few things to consider to avoid a tripping hazard.

  • Have a clear walkway path from your driveway to front door. Ensure there are no extension cords, cracks in the sidewalk or an icy path where your guest could fall.
  • Clear toys, decorations or other objects from the hallways or stair case in your home.
  • Ensure your rugs aren’t bunched where a guest could trip.

Distracted Cooking

Did you know cooking is the number #1 reason for home fires? It’s easy to get distracted when you’re hosting a party and trying to cook your meal at the same time. However, don’t allow yourself to multi-task or leave the kitchen while heating elements are running.  Other things to consider:

  • Know where your fire extinguisher is located in your home.
  • If a grease or oven caught fire, would you know what to do? For a grease fire, don’t throw water on it, but instead, smother it. For an oven fire, keep the door closed and turn off the oven.
  • If you like to deep fry turkeys, keep it at least 10 feet away from your home.

Holiday parties give lasting memories for not only the host, but the guests as well. However, being prepared is crucial to protect yourself from liability. For questions about your home or liability insurance, contact our agency!

Uninsured motorist coverage in Boynton Beach, FL

I Got Hit By Someone Who Doesn’t Have Insurance – Now What?

Uninsured motorist coverage in Boynton Beach, FLAccording to a recent study by the National Association of Insurance Commissioners, approximately one out of every 8 drivers in the United States are uninsured. That’s a staggering figure when you think about your chances of being struck by one.  So, what can you do to protect yourself from an uninsured driver?

The good news is there is a line of insurance coverage for your auto insurance specifically for uninsured motorists, called (you guessed it) Uninsured Motorist Property Damage & Uninsured Motorist Bodily Injury coverage. This is an optional coverage that is available to most drivers. Let’s take a closer look at these coverages and see how they work.

Uninsured Motorist Property Damage

Uninsured Motorist Property Damage (commonly referred to as UMPD) pays for losses incurred to your vehicle when it is hit by an uninsured motorist. This coverage may also pay for damages associated with a hit and run driver.

Uninsured Motorist Bodily Injury

Uninsured Motorist Bodily Injury (commonly referred to as UMBI or UM) pays for your medical expenses when involved in an accident with an uninsured driver. UMBI may also cover your passengers who are in your vehicle during a covered loss.

Underinsured Motorist (UIM)

Underinsured Motorist Coverage pays for injuries such as medical expenses, lost wages and settlements from a driver who is at-fault and does not carry enough insurance to cover your losses.

You should also carefully deliberate the amount of insurance coverage that you need. Available options, limits and coverages vary by state. Each state has different requirements and laws when it comes to uninsured motorist insurance. Be sure to ask an agent in our office about these coverages if you’d like them. Contact us.