Scary Drivers……..How to Handle Road Rage

Image result for road rage car crashes

If you find that you have agitated another driver, whether the fault is truly yours or not, don’t react to or retaliate against the other driver on the road, according to SafeMotorist.com. Engaging with the other driver will only cause the situation to escalate. Remind yourself that the other driver is just bad at handling stress, avoid eye contact and continue to practice safe driving habits.

All you can do is be a considerate, aware driver who follows the rules of the road. While it may be difficult in the heat of the moment, don’t give in to feelings of anger or rage on the road. Think twice before you honk the horn or flip that finger, because you never know what may set off the person in the cars around you. Getting home or to work safely is more important than teaching someone a dangerous lesson.

Police say if you are involved in a road rage incident, stay in your car and call for help. If you can, drive to a well-lit area with people or to a local police or fire station.

 

Ways to avoid road rage encounters

Here are some additional pointers to help avoid road rage encounters:

  • Don’t assume other drivers are evil. Sometimes, people make mistakes, or they might be driving more slowly for a reason. Do not assume that they are driving slowly just to annoy you. Put yourself in the other driver’s shoes.
  • Don’t honk your horn insistently. It might make you feel better, but it’s really kind of silly. And when everyone does it in a traffic jam, it’s really annoying and increases everyone’s stress level.
  • If someone is tailgating you, don’t aggravate yourself and the other driver by playing cat and mouse with your speed. Move out of the way and let the other driver pass you.
  • Cranks some tunes, not the engine. Instead of listening to your own muttering, try listening to music as it can help keep you calm.
  • Leave space to pull around the car in front of you. This seems simple, but in heavy traffic, people tend to drive bumper-to-bumper. Leaving some wiggle room can reduce vulnerability if the driver in front of you gets aggressive. Allow at least a two-second space between your vehicle and the one ahead of you.
  • Try not to run late. When you’re in a hurry, your patience is short, and you’re much more likely to become aggravated. Try to give yourself a few extra minutes to get where you need to go.
  • Avoid cutting other drivers off in traffic.
  • Signal several hundred feet before you change lanes or make a turn.
  • Avoid making any gestures or eye contact with another driver.
  • Be courteous in the use of high-beam headlights.
  • Obey speed limits.
  • Drive in the right or middle lane; pass on the left.
  • Stop at stop signs and red lights; don’t run yellow lights.
  • Don’t block intersections.
  • Report any aggressive driving incidents to the police immediately.

Important note: Police and safety officials say drivers snapping pictures or videos of others is unsafe and could lead to dangerous road-rage incidents.

If you are prone to road rage

  • Get sufficient rest. Lack of sleep leads to loss of control.
  • Limit alcohol Alcohol can make you rageful, not to mention impair your driving in other ways.
  • Play soothing music. This can really help.
  • Be aware of your driving. Leon James, PhD, professor of psychology at the University of Hawaii and author of Road Rage and Aggressive Driving: Steering Clear of Highway Warfare, recommends watching yourself—what makes you angry, how long do you stay angry. Tell yourself, “It was not their fault—it was the guy in front of them.”
  • Put pictures of your loved ones on the dashboard. You want to come home to them.
  • Remember, this behavior can cost you in more ways than one. Road rage can have a high price tag even if no one is hurt or killed: tickets, lawyers, court costs, damage to vehicles, and higher insurance rates.

Don’t engage other drivers

  • Avoid engaging other drivers, even if they have done something to make you angry or vice versa.
  • Put as much distance between you and the other driver as possible and avoid making eye contact.
  • Never pull off a roadway to confront another driver.
  • Keep your doors locked and give yourself room at intersections to drive away.
  • If possible, take down the license plate number of the vehicle and report the driver’s behavior to police so they won’t hurt themselves or someone else.

Taken from By Jayleen R. Heft, PropertyCasualty360.com

Do I need Uninsured Motorist Coverage if I have Health Insurance?

Here is the Question?

If I have Medicare or Health insurance, will it respond if I am injured in an auto accident? Do I need Uninsured Motorist coverage if I have Medicare or Health Insurance?

In Florida, your auto insurance policy should include Personal Injury Protection (PIP-No Fault), Medical Payments, Bodily Injury and Property Damage Liability Coverage and Uninsured Motorist Coverage.

If you or a family member were injured in the accident, the first coverage to respond is PIP, which will provide reimbursement for medical bills and lost wages up to a typical coverage amount of $ 10,000. (other options are available). Medical payments would reimburse medical expenses up to the purchased limit of coverage (typically- $ 5,000). You would then be able to submit claims to your Health Insurance carrier for medical bills ONLY.  You would want to let your Health carrier know about the accident immediately so that they could co ordinate benefits going forward.  So, yes your medical insurance will respond if you were injured in an auto accident……..However, medical bills are only a part of the TOTAL COSTS of being injured. The following is a list of costs actually incurred by a real person, who we will call Bill.

Bill has Liability Limits of $ 50,000/$100,000., Basic PIP ($10,000.), Medical Payments ($5,000.) and UM of $ 50,000./$ 100,000. As a result of an accident the following expenses and losses were incurred by Bill.

  • $75,000 for prior medical bills.
  • $175,000 for future medical bills.
  • $20,000 for prior lost wages.
  • $300,000 for future lost wages.
  • $1,000 for a wheelchair since Bill is unable to walk now.
  • $10,000 for future wheelchairs.
  • $30,000 for a special van to transport Bill and his wheel chair.
  • $90,000 for future vans.
  • $20,000 to retrofit the house to accommodate the wheel chair.
  • $25,000 for a yard service for Bill’s remaining life expectancy, since he is unable to cut the yard now.
  • $100,000 for future pain and suffering.
  • $100,000 for the loss of “family comfort” with his wife.
  • $100,000 for the loss of the ability to coach youth softball.
  • $200,000 for future loss of the enjoyment of life.

Bill is able to collect $ 65,000. from his auto carrier.  So…..what choices does Bill now have. If he were not at fault in the accident, and did not purchase Uninsured Motorist coverage at adequate coverage limits, he will have to hire a lawyer, wait…..and share any recovery with the attorney. BUT…..what if he had purchased Liability Limits and Stacked UM coverage of $250k/$500k and he owned three cars with the same coverage?   He would have $ 750,000 of Bodily Injury Liability Coverage available to pay his claim for damages. All of the items noted above could be paid by his carrier.

The PROBLEM…….Remember, In Florida, a driver is not required to have or prove any auto insurance coverage in order to receive a driver’s license.  Second, a driver in Florida is only required to have Personal Injury Protection (PIP-No Fault) and Property Damage Liability coverage to register a vehicle.  He is not required to purchase or carry Bodily Injury Liability coverage until after he causes a serious loss.

So, Let’s read that again……Florida Law does not require Bodily Injury Liability coverage on your vehicle until after you are at fault in an accident. This is why Uninsured Motorist Coverage exists…….It is estimated that about 24% of the vehicles and drivers on Florida’s roads are Uninsured, about 1 in 4.  

Protect your family, always purchase Uninsured Motorist at the same limits as your Bodily Injury limits….Always purchase Stacked UM limits…the cost is small, but the potential benefit is huge.  

Call SWFL Insurance Agency, Inc. for a complete review of your Personal Auto policy and a No Obligation premium proposal.

239-265-9577     www.SWFLAgency.com

 

 

 

 

 

 

 

SWFL Insurance Agency. August Newsletter

         INSURANCE NEWSLETTER                                                                            August 18, 2015

Timely and Important Topics that can Save Money and Protect Your Wealth

  • Attention Condo Owners on Fort Myers Beach and Sanibel….We now offer Condo Owners Insurance Policies that include Wind and Flood coverage. These policies provide coverage for “weekly rentals”. Call 239-265-9577 for a comparison premium quote.
  • We offer very competitive Auto Insurance Premium rates for “Seniors” through the Travelers Insurance Company. Call us at 239-265-9577 or request a quote at  www.SWFLAgency.com.
  • It is Hurricane season again….Make sure your Homeowners, Condo Owners and Flood Policies are up date and that the insured values are accurate. Do not assume that everything is fine, have your policies reviewed today. Make sure your “Replacement Cost” has been evaluated. We offer free reviews and premium quotations with no obligation.
  • Dairyland Motorcycle Insurance can Save you Money   !!!!! By Combining Multiple Discounts, Dairyland may be the Best Deal in Florida. Save up to 7% with Dairyland, when your Homeowners policy is provided by SWFL Insurance Agency.   Rider Group Discounts for Members of HOG, and some 30 additional groups.  Special Discounts for Military Rider Groups, both active and retired.
  • Flood Facts…To be considered a flood, the water that causes damage must have covered at least two acres or have affected at least one other property. Also, if your home sustains any mold or mildew damage that you could have prevented from occurring, your policy won’t cover such damage. Additional living expenses and business interruption is not covered.  Call if you have questions.
  • If you have had a Wind Mitigation Inspection of your home, you may be able to create serious premium savings for years to come by having your roof truss to wall metal connection updated by adding nails. Give us a call to discuss. Every home is different. We will need to review your wind mitigation report, so have it handy when you call. Some of our clients have saved as much as $900.+ per year.
  • Watch for future Newsletters with new topics of interest. Don’t miss our timely articles on our Blog at www.SWFLAgency.com

Call 239-265-9577 for Quick Quotes or visit www.SWFLAgency.com 

Providing Auto, Motorcycle, Golf Cart, Home, Condo, Flood, Business Insurance

                                      Health, Medicare and Life Insurance  

                 SWFL Insurance Agency, Inc.               SWFL Insurance Associates, Inc.

     Lee County                        8595 College Pkwy, Suite 160, Fort Myers         239-265-9577

     Charlotte County            3718 Tamiami Trail, Unit C, Port Charlotte     941-624-3444

     Collier County                  2500 Tamiami Trail N. Unit 113, Naples            239-649-4442

SWFL Insurance Agency. July Newsletter

     INSURANCE NEWSLETTER

Timely and Important Topics that can Save Money and Protect Your Wealth

Most Homeowners policies today have very limited or no “Animal Liability” coverage. Most policies have a “Bad Dog” List. Do not go without the proper coverage. We have stand alone Animal Liability coverage available.

Remember Insurance is all about protecting your Wealth. If you own a Home, you should have an Umbrella Liability Policy with limits that protect your Wealth. Should a court find you “Liable” in a Bodily Injury case involving your property, automobiles or actions. Will your present coverage limits be enough to avoid having to cash in your property, stocks, retirement funds and possibly your home? Umbrella Liability Policies start as low as $ 250. Annually. Call us for a “Risk” review today.

It is Hurricane season again….Make sure your Homeowners, Condo Owners and Flood Policies are up to date and that the insured values are accurate. Do not assume that everything is fine, have your policies reviewed today. Make sure the “Replacement Cost” of your Home has been evaluated. We offer free reviews and premium quotations with no obligation.  Condo Owners should review your “Additions and Alterations” limits.  Typically, you should consider everything inside the unpainted “perimeter” walls of your unit as yours.  The “Basic Limit” of $1,000. will never be enough.  Do not be caught underinsured.

If your home’s elevation is at or below the required Flood Elevation, your Flood Insurance premiums are probably way out of hand. If so, you should talk with us about Private Flood Insurance. We can probably save you money.

A Wind Mitigation Inspection of your home can provide you with exceptional premium credit savings. Give us a few minutes to discuss your home and we can evaluate where you can increase you premium savings.

Watch for future Newsletters with new topics of interest. Don’t miss our timely articles on our Blog at www.SWFLAgency.com

Call 239-265-9577 for Quick Quotes or visit www.SWFLAgency.com

Providing Auto, Motorcycle, Golf Cart, Home, Condo, Flood, Business Insurance

as well as Health, Medicare and Life Insurance

 

SWFL Insurance Agency, Inc.         SWFL Insurance Associates, Inc.

Lee County                     8595 College Pkwy, Suite 160, Fort Myers     239-265-9577

Charlotte County        3718 Tamiami Trail, Unit C, Port Charlotte   941-624-3444

Collier County              2500 Tamiami Trail N. Unit 113, Naples         239-649-4442

Auto Insurance Basics 101

Overview of Your Personal Auto Policy

Liability Coverage (Bodily Injury & Property Damage)

If you are deemed to be at fault in an accident that’s covered by your auto policy and other people or property are injured or damaged, liability coverage helps protect you and pay the cost of these damages. Everyone has different needs, so we can customize your liability coverage to suit your personal needs. Remember when your insurance coverage limits are exhausted, you will be paying out of your pocket. Our recommendation for bodily injury limits is $ 50k per person / $ 100k per accident, property damage limits is a minimum of 50k per accident.  This coverage helps to pay for damage to another driver’s property (car, house, fence, etc). With pickup trucks costing in excess of $ 50k these days, many vehicles have values in excess of the state requirement of $10k. That’s why we recommend the higher coverage. This increased coverage is usually very affordable, sometimes as little as a few dollars extra per month.

Medical Payment Coverage (Med Pay)

Medical payment coverage helps pay for medical expenses for accident-related injuries to your family and passengers, no matter who is at-fault. These expenses can include; hospital stays, doctor visits, x-rays, surgery, and even funeral expenses should the worst happen. Medical payment coverage covers you, your passengers, and other family members. This is a valuable protection that is fairly inexpensive to add to your policy.

Uninsured Motorist Coverage (UM)

This coverage helps pay for medical expenses and other damages incurred by your family and passengers when the other driver carries little or no bodily injury liability insurance. A recent survey found that about 20% of drivers in SWFL either have no insurance or carry the state minimum. That’s why UM coverage is a valuable addition to any auto insurance policy.

 Personal Injury Protection (PIP)

Personal Injury Protection coverage (or PIP) is required by the state, and covers $10k in medical expenses and other expenses regardless of who’s at fault. The way PIP pays out is a little more complicated, so please call or stop by for a more in depth explanation.

 Collision Coverage

This covers your vehicle if you’re in an accident that involves a “collision” with another car or cars or objects (trees, house, etc). Collision coverage helps pay for repairs to your vehicle up to the ACV (actual cash value) of your car less the applicable deductible. Typically, you can select a deductible from $100 up to $1000. Keep in mind, that you can save money by choosing a the higher the premium.

 Comprehensive Coverage

This coverage helps pay for losses that result from everything that is “not a collision”. This can include; fire, theft, vandalism, storms, or even a tree falling on your vehicle. This coverage also provides coverage for broken glass and/or windshields. Like collision, comprehensive coverage carries a deductible, and can affect your premium based on how high or low of a deductible you chose.

Other Coverage that can be added.

Towing and Labor—This option will help reimburse you for the expense of having your vehicle towed, as well as other basic roadside services. You usually have a couple of coverage options; either $50 or $100 per occurrence.

Rental Car Reimbursement—This feature would pay a set amount ($20, 30, 40, etc) for you to rent a vehicle while your car is in the shop being repaired due to accident. The coverage typically pays for a maximum of 30 days. A nice feature, if you only have one vehicle in the household, or if you need a vehicle to get to and from work.

Customizing Equipment—Custom wheels, gauges, and other aftermarket products that are permanently installed to the vehicle.  Stated amount coverage is available for values over $ 5,000.

Loan Payoff Coverage—Pays for the difference between the actual cash value and any greater amount that you may owe under a finance or lease agreement to a financial institution.  Limited to 25% of actual cash value. Some conditions apply.

Typical Available Discounts –  How Many do you qualify for?

Advance quote discount

Multi Car discount

Continuous coverage discount

Paid in Full discount

Three year Safe Driving discount

Five Year Accident Free discount

Vehicle Anti Lock Brake, Airbag, Passive Anti-Theft discounts

Multi-Policy Discount

Senior Citizen discount

 

We have Great Auto Insurance Rates.  See how many Discounts you may qualify for. 

Request a Quick Quote from Website or Call 239-265-9577.