If you run a
business, you know insurance is important. Especially if part of your
company's services requires putting employees behind the wheel. But
what should you look for when it comes to choosing a car insurance plan?
This is one choice you don't
want to speed through. While commercial auto insurance premiums can
often be more expensive, they can save you money in the long run.
Here are some questions you should consider when shopping for a policy for your business.
What kind of cars will be covered?
Depending
on your company's business model you may or may not own the cars being
driven by your employees. Regardless, if your workers are driving for
your company, you'll want to make sure any vehicles they're operating
are protected in case of an accident.
>Many
companies offer "hired or non-owned" car insurance options. These
additions can cover any vehicle operated by employees, regardless of
ownership. It can even include protection for rented cars.
Do you need a personal or commercial policy?
As
mentioned earlier, commercial insurance is generally much more
expensive. However, it's not always required for a business. If your
name is on a car's title, than you have to get personal insurance.
However, if your company is listed as the vehicle's owner, than a
commercial policy is required.
But
just because you can get away with a cheaper personal policy, doing so
might not be the best choice. Some features, like business interruption
coverage, are only available under commercial policies. That
particular option is important if your driver is injured on the job. It
can allow you to recoup lost income while your employee is recovering.
(source)
Thursday, May 31, 2012
Monday, April 30, 2012
Online Auto Insurance: Penn. Fund Recoveries Stress Regulators’ Role
Regulators in Pennsylvania recently announced that they recovered $3.4 million in restitution funds, emphasizing the consumer protection role that they play in the entire industry, according to Online Auto Insurance.
Any shopper looking for cheap auto insurance quotes may also want to keep in mind the level of claims-satisfaction rates for insurers with rock-bottom prices. State regulators regularly post reports on complaints filed about insurers, and more than half of all complaints filed with regulators from 2009-11 were related to denials of claims or compensation delays, according to data compiled by the National Association of Insurance Commissioners (NAIC).
OAI recommends that consumers peruse the complaint listings on those websites along with user-submitted reviews on other websites to get the fullest picture of an insurer’s quality.
The recently recovered funds in Pennsylvania came from 3,211 written consumer complaints and inquiries submitted during the first quarter of 2012 and 27 enforcement actions. Regulators also reported collecting $71,000 in fines and penalties.
One of regulators’ investigations looked into Travelers, identifying violations in how the insurer deals with nonrenewals and midterm cancellations of policies for commercial vehicles, finding instances where Travelers failed to return unearned premiums within the required time period after midterm cancellations.
Auditors also noted a concern they had with a nonrenewal in which “notes indicated that if other lines of business were not written with Travelers, the company would have to request coverage be placed elsewhere.”
Regulators said the practice, called “forced bundling,” was unacceptable.
“The company must ensure this practice will not occur in the future,” regulators stated in their report.
In other nonrenewal cases, travelers failed to document notices that are required to be sent to policyholders when an insurer does not continue business with them, according to regulators.
Regulators found no violations related to Travelers’ personal auto policies. The entire case was closed in February.
(Source)
Any shopper looking for cheap auto insurance quotes may also want to keep in mind the level of claims-satisfaction rates for insurers with rock-bottom prices. State regulators regularly post reports on complaints filed about insurers, and more than half of all complaints filed with regulators from 2009-11 were related to denials of claims or compensation delays, according to data compiled by the National Association of Insurance Commissioners (NAIC).
OAI recommends that consumers peruse the complaint listings on those websites along with user-submitted reviews on other websites to get the fullest picture of an insurer’s quality.
The recently recovered funds in Pennsylvania came from 3,211 written consumer complaints and inquiries submitted during the first quarter of 2012 and 27 enforcement actions. Regulators also reported collecting $71,000 in fines and penalties.
One of regulators’ investigations looked into Travelers, identifying violations in how the insurer deals with nonrenewals and midterm cancellations of policies for commercial vehicles, finding instances where Travelers failed to return unearned premiums within the required time period after midterm cancellations.
Auditors also noted a concern they had with a nonrenewal in which “notes indicated that if other lines of business were not written with Travelers, the company would have to request coverage be placed elsewhere.”
Regulators said the practice, called “forced bundling,” was unacceptable.
“The company must ensure this practice will not occur in the future,” regulators stated in their report.
In other nonrenewal cases, travelers failed to document notices that are required to be sent to policyholders when an insurer does not continue business with them, according to regulators.
Regulators found no violations related to Travelers’ personal auto policies. The entire case was closed in February.
(Source)
Wednesday, March 21, 2012
The Importance of Insurance
Insurance is an important element of any sound financial plan. Different kinds of insurance help protect you and your loved ones in different ways against the cost of accidents, illness, and death.
The insurance decisions you make should be based on your family, age, and economic situation. There are many forms of insurance and, unfortunately, no one-size-fits-all policy. Life insurance, for example, can be a virtual necessity, especially if you have a spouse and children.
Auto Insurance
Auto insurance helps protect you from damage to the often-considerable investment in a car and/or from liability for damage or injury caused by you or someone driving your vehicle. It can also help cover expenses you or anyone in your car may incur as a result of an accident with an uninsured motorist.
Auto liability coverage is necessary for anyone who owns a car. Many states require you to have liability insurance before you can register a vehicle. State-required minimum coverage, however, is often too skimpy to provide adequate protection. Collision, fire, and theft coverage is also advisable for a vehicle having more than minimal value.
The cost of auto insurance varies greatly, depending on the company and agent offering it, your choice of coverage and deductible, where you live, the kind of vehicle, and the ages of drivers in the family. Substantial discounts are often available to safe drivers, nonsmokers, and those who commute to work via public transportation.
Homeowners insurance should allow you to rebuild and refurnish your home after a catastrophe and help cover to costs of lawsuits if someone is injured on your property. Coverage of at least 80% of your home's replacement value, minus the value of land and foundation, is necessary for you to be covered for the cost of repairs.
There are several grades of policies, ranging from HO-1 to HO-8, with increasingly comprehensive coverage and cost. Unless you increase coverage, most homeowners policies cover the contents of the house for 50% to 75% of the amount for which the house is insured. The liability coverage in many homeowners policies is $300,000.
Umbrella liability coverage takes effect when the personal liability and lawsuit coverage in other policies is exhausted. The cost for $1 million worth of protection - especially necessary for high-income individuals and those with considerable assets - may be only a few hundred dollars a year.
Life insurance, payable when you die, can provide a surviving spouse, children, and other dependents the funds necessary to help maintain their standards of living, can help repay debt, and can help fund education tuition costs. The amount you need depends on your situation. If you make $100,000 a year, have a sizable mortgage, and two kids headed to a good college, you could need as much as $1 million in coverage.
Value-accumulating whole life or universal insurance is often offered as death benefit protection with a cash value component that you can borrow against or eventually cash in by surrendering the policy. Term insurance costs less, but may remain in effect only for a specified term of years. For many families, a combination of whole life and term insurance may provide for current and future needs.
Monday, February 6, 2012
Risk Management in Business
When starting a new business, one of the many things you must consider is risk management. Most professional businesses and insurances divide up risk management into 5 categories. These categories are: property, auto, business interaction, liability, and worker's compensation.
Many people get confused with what property insurance covers. Property insurance covers: building, furniture, inventory, and general equipment and tools. It does not include automotive. Therefore to continue to a coverage you will have to have auto insurance for your premises. Another thing to note is “transit liability” and "premises liability." Transit liability will cover your shipping to customers if anything is missing and/or broke on arrival, and premises liability will cover any accidents inside the store. Business interruption is sometimes included under the broad category of "property" because it typically results from damage to business property. This risk can be the most devastating to businesses, particularly small businesses. Finally there is worker's compensation. This would cover any injury or even death that may occur to an employee.
Each of these are extremely important to make sure your business is entirely insured. Whether it be a customer injury, property insurance, auto insurance, business interruption, or workers compensation, everything is covered with this method. To find more information about our commercial insurance policies visit our website here.
( Source )
Saturday, December 31, 2011
Happy New Year, please celebrate responsibly: Designated Driver Programs In Your Area
At Main Line Insurance, we offer a variety of types of auto insurance coverage in Pennsylvania, New Jersey, Delaware, Maryland, Virginia and Florida. One way that you can help yourself keep your rates down is to drive and celebrate responsibly this New Year's Eve. Below we have listed several agencies depending upon the area you live in. For a more expansive list, feel free to click here for the AAA 'Sober Ride' program listing.
Some of these services are free, while others charge a fee. Please check ahead of time.
PENNSYLVANIA
BUCKS
Designated Driving Service
Phone: 215-444-0530
Hours: 9p.m.-2a.m. Thursday-Saturday;
7p.m.-11p.m. Sunday
Details: A shared van takes you home
http://www.designateddriverservices.org/
MONTGOMERY
Designated Driving Service
Phone: 215-444-0530
Hours: 9p.m.-2a.m. Thursday-Saturday;
7p.m.-11p.m. Sunday Details: A shared van takes you home
http://www.designateddriverservices.org/
PHILADELPHIA
Sober Sam
Phone: 856-520-5679
Hours: 12p.m.-4a.m.
Details: ride home in your own car
Safe Ride Solutions
Phone: 208-938-4500
Hours: 24/7
Details: For corporations and companies
https://www.saferidesolutions.net/index.html
PITTSBURGH
Safe Ride Solutions
Phone: 208-938-4500
Hours: 24/7
Details: For corporations and companies
https://www.saferidesolutions.net/index.html
The Pear Transportation Company
Phone: 412-324-8000
Hours: 4p.m.-4a.m. Monday-Friday;
24 hours Saturday, Sunday and holidays
Details: A driver takes you home in your own car
http://www.thepearcares.com/index.shtml
DELAWARE
NEW CASTLE
Delware Designated Drives Inc.
Phone: 302-999-9079
Hours: 10p.m.-2a.m. Friday-Saturday
Details: A driver drives you home in your own vehicle for free
http://www.delawaredd.org/index.htm
NEW JERSEY
ATLANTIC
Sober Sam
Phone: 856-520-5679
Hours: 12p.m.-4a.m.
Details: ride home in your own car
http://sobersam.com/
BERGE
Safe Ride Solutions
Phone: 208-938-4500
Hours: 24/7
Details: For corporations and companies
https://www.saferidesolutions.net/index.html
Sober Sam
Phone: 856-520-5679
Hours: 12p.m.-4a.m.
Details: ride home in your own car
http://sobersam.com/
BURLINGTON
Safe Ride Solutions
Phone: 208-938-4500
Hours: 24/7
Details: For corporations and companies
https://www.saferidesolutions.net/index.html
Sober Sam
Phone: 856-520-5679
Hours: 12p.m.-4a.m.
Details: ride home in your own car
http://sobersam.com/
CAMDEN
Sober Sam
Phone: 856-520-5679
Hours: 12p.m.-4a.m.
Details: ride home in your own car
http://sobersam.com/
CAPE MAY
I’ll Drive
Phone: 6090-425-9480
Hours: 6p.m.-3a.m. Friday-Saturday;
Tuesday-Thursday reservation only
Details: A driver takes you home in you own car
Sober Sam
Phone: 856-520-5679
Hours: 12p.m.-4a.m.
Details: ride home in your own car
http://sobersam.com/
CUMBERLAND
Sober Sam
Phone: 856-520-5679
Hours: 12p.m.-4a.m.
Details: ride home in your own car
http://sobersam.com/
ESSEX
Safe Ride Solutions
Phone: 208-938-4500
Hours: 24/7
Details: For corporations and companies
https://www.saferidesolutions.net/index.html
GLOUCESTER
Sober Sam
Phone: 856-520-5679
Hours: 12p.m.-4a.m.
Details: ride home in your own car
http://sobersam.com/
HUDSON
Sober Sam
Phone: 856-520-5679
Hours: 12p.m.-4a.m.
Details: ride home in your own car
http://sobersam.com/
HUNTERDON
Sober Sam
Phone: 856-520-5679
Hours: 12p.m.-4a.m.
Details: ride home in your own car
http://sobersam.com/
MERCER
Sober Sam
Phone: 856-520-5679
Hours: 12p.m.-4a.m.
Details: ride home in your own car
http://sobersam.com/
MIDDLESEX
Sober Sam
Phone: 856-520-5679
Hours: 12p.m.-4a.m.
Details: ride home in your own car
http://sobersam.com/
MONMOUTH
Sober Sam
Phone: 856-520-5679
Hours: 12p.m.-4a.m.
Details: ride home in your own car
http://sobersam.com/
MORRIS
Sober Sam
Phone: 856-520-5679
Hours: 12p.m.-4a.m.
Details: ride home in your own car
http://sobersam.com/
OCEAN
Sober Sam
Phone: 856-520-5679
Hours: 12p.m.-4a.m.
Details: ride home in your own car
http://sobersam.com/
PASSAIC
Sober Sam
Phone: 856-520-5679
Hours: 12p.m.-4a.m.
Details: ride home in your own car
http://sobersam.com/
SALEM
Sober Sam
Phone: 856-520-5679
Hours: 12p.m.-4a.m.
Details: ride home in your own car
http://sobersam.com/
SOMERSET
Sober Sam
Phone: 856-520-5679
Hours: 12p.m.-4a.m.
Details: ride home in your own car
http://sobersam.com/
SUSSEX
Sober Sam
Phone: 856-520-5679
Hours: 12p.m.-4a.m.
Details: ride home in your own car
http://sobersam.com/
UNION
Sober Sam
Phone: 856-520-5679
Hours: 12p.m.-4a.m.
Details: ride home in your own car
http://sobersam.com/
WARREN
Sober Sam
Phone: 856-520-5679
Hours: 12p.m.-4a.m.
Details: ride home in your own car
http://sobersam.com
MARYLAND
BALTIMORE
Safe Ride Solutions
Phone: 208-938-4500
Hours: 24/7
Details: For corporations and companies
https://www.saferidesolutions.net/index.html
BOWIE
SoberRide
Phone: 1-800-200-8294
Hours: 10p.m-6a.m. during Dec/Jan. holiday season,
St. Patrick’s Day, Independence Day and Halloween
Details: Free cab ride home
COLLEGE PARK
SoberRide
Phone: 1-800-200-8294
Hours: 10p.m-6a.m. during Dec/Jan. holiday season,
St. Patrick’s Day, Independence Day and Halloween
Details: Free cab ride home
GAITHERSBURG
SoberRide
Phone: 1-800-200-8294
Hours: 10p.m-6a.m. during Dec/Jan. holiday season,
St. Patrick’s Day, Independence Day and Halloween
Details: Free cab ride home
GREENBELT
SoberRide
Phone: 1-800-200-8294
Hours: 10p.m-6a.m. during Dec/Jan. holiday season,
St. Patrick’s Day, Independence Day and Halloween
Details: Free cab ride home
MONTGOMERY COUNTY
SoberRide
Phone: 1-800-200-8294
Hours: 10p.m-6a.m. during Dec/Jan. holiday season,
St. Patrick’s Day, Independence Day and Halloween
Details: Free cab ride home
PRINCE GEORGE’S COUNTY
SoberRide
Phone: 1-800-200-8294
Hours: 10p.m-6a.m. during Dec/Jan. holiday season,
St. Patrick’s Day, Independence Day and Halloween
Details: Free cab ride home
ROCKVILLE
SoberRide
Phone: 1-800-200-8294
Hours: 10p.m-6a.m. during Dec/Jan. holiday season,
St. Patrick’s Day, Independence Day and Halloween
Details: Free cab ride home
TAKOMA PARK
SoberRide
Phone: 1-800-200-8294
Hours: 10p.m-6a.m. during Dec/Jan. holiday season,
St. Patrick’s Day, Independence Day and Halloween
Details: Free cab ride home
VIRGINIA
ALEXANDRIA
Drivers Incorporated
Phone: 703-994-3931
Hours: 24/7
Details: A driver takes you home in your own car
http://driversincorporated.com/index.html
ARLINGTON
SoberRide
Phone: 1-800-200-8294
Hours: 10p.m-6a.m. during Dec/Jan. holiday season,
St. Patrick’s Day, Independence Day and Halloween
Details: Free cab ride home up
BLACKSBURG
HooptieRide
Phone: 540-449-DRIV
Hours: On call 7-days a week beginning at 7p.m.
Details: Group bus ride home
http://www.hooptieride.com/main/index.php
FAIRFAX
Drivers Incorporated
Phone: 703-994-3931
Hours: 24/7
Details: A driver takes you home in your own car
http://driversincorporated.com/index.html
SoberRide
Phone: 1-800-200-8294
Hours: 10p.m-6a.m. during Dec/Jan. holiday season, St. Patrick’s Day,
Independence Day and Halloween
Details: Free cab ride home
FALLS CHURCH
Drivers Incorporated
Phone: 703-994-3931
Hours: 24/7
Details: A driver takes you home in your own car
http://driversincorporated.com/index.html
SoberRide
Phone: 1-800-200-8294
Hours: 10p.m-6a.m. during Dec/Jan. holiday season,
St. Patrick’s Day, Independence Day and Halloween
Details: Free cab ride home
GRUNDY
Hooptie Ride
Phone: 540-998-STYL
Hours: On call 7-days a week beginning at 7p.m.
Details: Group bus ride home
http://www.hooptieride.com/main/index.php
MANASSAS
SoberRide
Phone: 1-800-200-8294
Hours: 10p.m-6a.m. during Dec/Jan. holiday season, St. Patrick’s Day, Independence Day and Halloween
Details: Free cab ride home
MANASSAS PARK
SoberRide
Phone: 1-800-200-8294
Hours: 10p.m-6a.m. during Dec/Jan. holiday season, St. Patrick’s Day, Independence Day and Halloween
Details: Free cab ride home
MCLEAN
Drivers Incorporated
Phone: 703-994-3931
Hours: 24/7
Details: A driver takes you home in your own car
http://driversincorporated.com/index.html
RADFORD
Hooptie Ride
Phone: 540-639-HOOP
Hours: On call 7-days a week beginning at 7p.m.
Details: Group bus ride home
http://www.hooptieride.com/main/index.php
RESTON
Drivers Incorporated
Phone: 703-994-3931
Hours: 24/7
Details: A driver takes you home in your own car
http://driversincorporated.com/index.html
FLORIDA
JACKSONVILLE
Designated Drivers of Jacksonville
Phone: 904-639-5250
Hours: 24/7
Details: A driver drives you home in your own vehicle;
bar hopping drivers are also available
http://www.designateddriversofjax.com/id3.html
DUI Patrol
Phone: 904-655-4666
Hours:7p.m.-2:30a.m Sunday-Thursday;
4p.m.-3a.m. Friday-Saturday
Details: A driver drives you home in your own vehicle
http://www.drinkinganddriving.org/tools/duipatrol.pdf
Safe Ride Solutions
Phone: 208-938-4500
Hours: 24/7
Details: For corporations and companies
https://www.saferidesolutions.net/index.html
HILLSBOROUGH
Zingo
Phone: 888-ZINGO-11
Hours: 8:00p.m.-2:00a.m. Tuesday-Thursday;
8:00p.m.-3:00a.m. Friday-Saturday
Details: A driver takes you home in your own vehicle
http://www.zingoportrichey.com/
MIAMI DADE
Safe Ride Solutions
Phone: 208-938-4500
Hours: 24/7
Details: For corporations and companies
https://www.saferidesolutions.net/index.html
ORANGE
Zingo
Phone: 888-GO-ZINGO
Hours: 8:00p.m.-2:00a.m. Tuesday-Thursday;
8:00p.m.-3:00a.m. Friday-Saturday
Details: A driver takes you home in your own vehicle
http://www.zingotampa.com/
PASCO
Zingo
Phone: 888-ZINGO-11
Hours: 8:00p.m.-2:00a.m. Tuesday-Thursday;
8:00p.m.-3:00a.m. Friday-Saturday
Details: A driver takes you home in your own vehicle
http://www.zingoportrichey.com/
PINELLAS
Zingo
Phone: 888-ZINGO-11
Hours: 8:00p.m.-2:00a.m. Tuesday-Thursday;
8:00p.m.-3:00a.m. Friday-Saturday
Details: A driver takes you home in your own vehicle
http://www.zingoportrichey.com/
TAMPA BAY
Safe Ride Solutions
Phone: 208-938-4500
Hours: 24/7
Details: For corporations and companies
https://www.saferidesolutions.net/index.html
Some of these services are free, while others charge a fee. Please check ahead of time.
PENNSYLVANIA
BUCKS
Designated Driving Service
Phone: 215-444-0530
Hours: 9p.m.-2a.m. Thursday-Saturday;
7p.m.-11p.m. Sunday
Details: A shared van takes you home
http://www.designateddriverservices.org/
MONTGOMERY
Designated Driving Service
Phone: 215-444-0530
Hours: 9p.m.-2a.m. Thursday-Saturday;
7p.m.-11p.m. Sunday Details: A shared van takes you home
http://www.designateddriverservices.org/
PHILADELPHIA
Sober Sam
Phone: 856-520-5679
Hours: 12p.m.-4a.m.
Details: ride home in your own car
Safe Ride Solutions
Phone: 208-938-4500
Hours: 24/7
Details: For corporations and companies
https://www.saferidesolutions.net/index.html
PITTSBURGH
Safe Ride Solutions
Phone: 208-938-4500
Hours: 24/7
Details: For corporations and companies
https://www.saferidesolutions.net/index.html
The Pear Transportation Company
Phone: 412-324-8000
Hours: 4p.m.-4a.m. Monday-Friday;
24 hours Saturday, Sunday and holidays
Details: A driver takes you home in your own car
http://www.thepearcares.com/index.shtml
DELAWARE
NEW CASTLE
Delware Designated Drives Inc.
Phone: 302-999-9079
Hours: 10p.m.-2a.m. Friday-Saturday
Details: A driver drives you home in your own vehicle for free
http://www.delawaredd.org/index.htm
NEW JERSEY
ATLANTIC
Sober Sam
Phone: 856-520-5679
Hours: 12p.m.-4a.m.
Details: ride home in your own car
http://sobersam.com/
BERGE
Safe Ride Solutions
Phone: 208-938-4500
Hours: 24/7
Details: For corporations and companies
https://www.saferidesolutions.net/index.html
Sober Sam
Phone: 856-520-5679
Hours: 12p.m.-4a.m.
Details: ride home in your own car
http://sobersam.com/
BURLINGTON
Safe Ride Solutions
Phone: 208-938-4500
Hours: 24/7
Details: For corporations and companies
https://www.saferidesolutions.net/index.html
Sober Sam
Phone: 856-520-5679
Hours: 12p.m.-4a.m.
Details: ride home in your own car
http://sobersam.com/
CAMDEN
Sober Sam
Phone: 856-520-5679
Hours: 12p.m.-4a.m.
Details: ride home in your own car
http://sobersam.com/
CAPE MAY
I’ll Drive
Phone: 6090-425-9480
Hours: 6p.m.-3a.m. Friday-Saturday;
Tuesday-Thursday reservation only
Details: A driver takes you home in you own car
Sober Sam
Phone: 856-520-5679
Hours: 12p.m.-4a.m.
Details: ride home in your own car
http://sobersam.com/
CUMBERLAND
Sober Sam
Phone: 856-520-5679
Hours: 12p.m.-4a.m.
Details: ride home in your own car
http://sobersam.com/
ESSEX
Safe Ride Solutions
Phone: 208-938-4500
Hours: 24/7
Details: For corporations and companies
https://www.saferidesolutions.net/index.html
GLOUCESTER
Sober Sam
Phone: 856-520-5679
Hours: 12p.m.-4a.m.
Details: ride home in your own car
http://sobersam.com/
HUDSON
Sober Sam
Phone: 856-520-5679
Hours: 12p.m.-4a.m.
Details: ride home in your own car
http://sobersam.com/
HUNTERDON
Sober Sam
Phone: 856-520-5679
Hours: 12p.m.-4a.m.
Details: ride home in your own car
http://sobersam.com/
MERCER
Sober Sam
Phone: 856-520-5679
Hours: 12p.m.-4a.m.
Details: ride home in your own car
http://sobersam.com/
MIDDLESEX
Sober Sam
Phone: 856-520-5679
Hours: 12p.m.-4a.m.
Details: ride home in your own car
http://sobersam.com/
MONMOUTH
Sober Sam
Phone: 856-520-5679
Hours: 12p.m.-4a.m.
Details: ride home in your own car
http://sobersam.com/
MORRIS
Sober Sam
Phone: 856-520-5679
Hours: 12p.m.-4a.m.
Details: ride home in your own car
http://sobersam.com/
OCEAN
Sober Sam
Phone: 856-520-5679
Hours: 12p.m.-4a.m.
Details: ride home in your own car
http://sobersam.com/
PASSAIC
Sober Sam
Phone: 856-520-5679
Hours: 12p.m.-4a.m.
Details: ride home in your own car
http://sobersam.com/
SALEM
Sober Sam
Phone: 856-520-5679
Hours: 12p.m.-4a.m.
Details: ride home in your own car
http://sobersam.com/
SOMERSET
Sober Sam
Phone: 856-520-5679
Hours: 12p.m.-4a.m.
Details: ride home in your own car
http://sobersam.com/
SUSSEX
Sober Sam
Phone: 856-520-5679
Hours: 12p.m.-4a.m.
Details: ride home in your own car
http://sobersam.com/
UNION
Sober Sam
Phone: 856-520-5679
Hours: 12p.m.-4a.m.
Details: ride home in your own car
http://sobersam.com/
WARREN
Sober Sam
Phone: 856-520-5679
Hours: 12p.m.-4a.m.
Details: ride home in your own car
http://sobersam.com
MARYLAND
BALTIMORE
Safe Ride Solutions
Phone: 208-938-4500
Hours: 24/7
Details: For corporations and companies
https://www.saferidesolutions.net/index.html
BOWIE
SoberRide
Phone: 1-800-200-8294
Hours: 10p.m-6a.m. during Dec/Jan. holiday season,
St. Patrick’s Day, Independence Day and Halloween
Details: Free cab ride home
COLLEGE PARK
SoberRide
Phone: 1-800-200-8294
Hours: 10p.m-6a.m. during Dec/Jan. holiday season,
St. Patrick’s Day, Independence Day and Halloween
Details: Free cab ride home
GAITHERSBURG
SoberRide
Phone: 1-800-200-8294
Hours: 10p.m-6a.m. during Dec/Jan. holiday season,
St. Patrick’s Day, Independence Day and Halloween
Details: Free cab ride home
GREENBELT
SoberRide
Phone: 1-800-200-8294
Hours: 10p.m-6a.m. during Dec/Jan. holiday season,
St. Patrick’s Day, Independence Day and Halloween
Details: Free cab ride home
MONTGOMERY COUNTY
SoberRide
Phone: 1-800-200-8294
Hours: 10p.m-6a.m. during Dec/Jan. holiday season,
St. Patrick’s Day, Independence Day and Halloween
Details: Free cab ride home
PRINCE GEORGE’S COUNTY
SoberRide
Phone: 1-800-200-8294
Hours: 10p.m-6a.m. during Dec/Jan. holiday season,
St. Patrick’s Day, Independence Day and Halloween
Details: Free cab ride home
ROCKVILLE
SoberRide
Phone: 1-800-200-8294
Hours: 10p.m-6a.m. during Dec/Jan. holiday season,
St. Patrick’s Day, Independence Day and Halloween
Details: Free cab ride home
TAKOMA PARK
SoberRide
Phone: 1-800-200-8294
Hours: 10p.m-6a.m. during Dec/Jan. holiday season,
St. Patrick’s Day, Independence Day and Halloween
Details: Free cab ride home
VIRGINIA
ALEXANDRIA
Drivers Incorporated
Phone: 703-994-3931
Hours: 24/7
Details: A driver takes you home in your own car
http://driversincorporated.com/index.html
ARLINGTON
SoberRide
Phone: 1-800-200-8294
Hours: 10p.m-6a.m. during Dec/Jan. holiday season,
St. Patrick’s Day, Independence Day and Halloween
Details: Free cab ride home up
BLACKSBURG
HooptieRide
Phone: 540-449-DRIV
Hours: On call 7-days a week beginning at 7p.m.
Details: Group bus ride home
http://www.hooptieride.com/main/index.php
FAIRFAX
Drivers Incorporated
Phone: 703-994-3931
Hours: 24/7
Details: A driver takes you home in your own car
http://driversincorporated.com/index.html
SoberRide
Phone: 1-800-200-8294
Hours: 10p.m-6a.m. during Dec/Jan. holiday season, St. Patrick’s Day,
Independence Day and Halloween
Details: Free cab ride home
FALLS CHURCH
Drivers Incorporated
Phone: 703-994-3931
Hours: 24/7
Details: A driver takes you home in your own car
http://driversincorporated.com/index.html
SoberRide
Phone: 1-800-200-8294
Hours: 10p.m-6a.m. during Dec/Jan. holiday season,
St. Patrick’s Day, Independence Day and Halloween
Details: Free cab ride home
GRUNDY
Hooptie Ride
Phone: 540-998-STYL
Hours: On call 7-days a week beginning at 7p.m.
Details: Group bus ride home
http://www.hooptieride.com/main/index.php
MANASSAS
SoberRide
Phone: 1-800-200-8294
Hours: 10p.m-6a.m. during Dec/Jan. holiday season, St. Patrick’s Day, Independence Day and Halloween
Details: Free cab ride home
MANASSAS PARK
SoberRide
Phone: 1-800-200-8294
Hours: 10p.m-6a.m. during Dec/Jan. holiday season, St. Patrick’s Day, Independence Day and Halloween
Details: Free cab ride home
MCLEAN
Drivers Incorporated
Phone: 703-994-3931
Hours: 24/7
Details: A driver takes you home in your own car
http://driversincorporated.com/index.html
RADFORD
Hooptie Ride
Phone: 540-639-HOOP
Hours: On call 7-days a week beginning at 7p.m.
Details: Group bus ride home
http://www.hooptieride.com/main/index.php
RESTON
Drivers Incorporated
Phone: 703-994-3931
Hours: 24/7
Details: A driver takes you home in your own car
http://driversincorporated.com/index.html
FLORIDA
JACKSONVILLE
Designated Drivers of Jacksonville
Phone: 904-639-5250
Hours: 24/7
Details: A driver drives you home in your own vehicle;
bar hopping drivers are also available
http://www.designateddriversofjax.com/id3.html
DUI Patrol
Phone: 904-655-4666
Hours:7p.m.-2:30a.m Sunday-Thursday;
4p.m.-3a.m. Friday-Saturday
Details: A driver drives you home in your own vehicle
http://www.drinkinganddriving.org/tools/duipatrol.pdf
Safe Ride Solutions
Phone: 208-938-4500
Hours: 24/7
Details: For corporations and companies
https://www.saferidesolutions.net/index.html
HILLSBOROUGH
Zingo
Phone: 888-ZINGO-11
Hours: 8:00p.m.-2:00a.m. Tuesday-Thursday;
8:00p.m.-3:00a.m. Friday-Saturday
Details: A driver takes you home in your own vehicle
http://www.zingoportrichey.com/
MIAMI DADE
Safe Ride Solutions
Phone: 208-938-4500
Hours: 24/7
Details: For corporations and companies
https://www.saferidesolutions.net/index.html
ORANGE
Zingo
Phone: 888-GO-ZINGO
Hours: 8:00p.m.-2:00a.m. Tuesday-Thursday;
8:00p.m.-3:00a.m. Friday-Saturday
Details: A driver takes you home in your own vehicle
http://www.zingotampa.com/
PASCO
Zingo
Phone: 888-ZINGO-11
Hours: 8:00p.m.-2:00a.m. Tuesday-Thursday;
8:00p.m.-3:00a.m. Friday-Saturday
Details: A driver takes you home in your own vehicle
http://www.zingoportrichey.com/
PINELLAS
Zingo
Phone: 888-ZINGO-11
Hours: 8:00p.m.-2:00a.m. Tuesday-Thursday;
8:00p.m.-3:00a.m. Friday-Saturday
Details: A driver takes you home in your own vehicle
http://www.zingoportrichey.com/
TAMPA BAY
Safe Ride Solutions
Phone: 208-938-4500
Hours: 24/7
Details: For corporations and companies
https://www.saferidesolutions.net/index.html
Wednesday, November 30, 2011
Checklist of tasks to prepare for old man winter
- Turn off water to hoses and lawn sprinklers. When temperatures fall below freezing, water in the pipes freeze and pipes burst. Turn off water from the indoor supply valve and drain all residual water out of faucet and systems.
- Cover your room air conditioner or take it down and store it.
- Cover outdoor central air conditioner unit to protect from winter weather and debris.
- Clean out gutters – clogged gutters can lead to ice dams which can create leaks along the roof edge.
- Move piles of leaves, compost and wood away from house or other structures. Wood attracts termites which may migrate into your home, and rodents and small animals like to nest in leaves and debris.
- Check windows and doors for air leaks. Leaks can be sealed with caulking, expanding foam, foam board, or weather stripping.
- Have furnace checked and serviced. Remember to change furnace filters monthly.
- Have your chimney inspected and cleaned. If you have a wood stove make sure to move all combustibles away from the appliance and make sure floor protection extends at least 18” on all sides of the appliance.
- Check smoke detectors and fire extinguishers.
- Prepare for power outages with flashlights and fresh batteries as well as non-perishable food staples.
- Keep cell phones charged but also have a corded phone in the event cell towers experience outages.
- If you have a generator, test it. If you are considering purchasing a generator, make sure it is properly installed.
- Have snow shovels, sand and ice melt handy.
- Test your snow blower.
Tuesday, November 29, 2011
Tips for winter insurance from New Jersey Commissioner Considine
In a recent article, the New Jersey Department of Banking and Insurance (DOBI) commissioner issued several updates for insurance policy holders in the state. A few key points that are worth mentioning deal specifically with homeowners and auto insurance. Most principle of those notes were the following:
Homeowners and Renters Insurance
At home, it is important for property owners to understand the types of winter storm-related damages covered by their homeowners policy. Standard homeowners policies typically cover damage caused by falling trees and limbs, collapses caused by the weight of ice and snow or ice dam leakage.
Homeowners policies also generally include liability coverage for accidents such as slip and falls on snow or ice as well as medical payments for others, up to certain limits, regardless of liability.
Before heading to the ski lodge, you should check your homeowners or renters policy. Your ski or snowboarding equipment will generally be covered by your homeowners or renters policy up to a certain limit. Check the limit in your policy and decide if that will be enough to replace the gear if it is damaged or stolen. When checking, remember to factor in your deductible.
Auto Insurance
Standard auto insurance policies do not include coverage for snowmobiles. If you are planning to purchase a snowmobile, consult with your insurer about your coverage needs. Be aware that if you plan to take your snowmobile off your private property, you should probably maintain a separate snowmobile policy and carry proof of insurance. If you are traveling and plan to rent a snowmobile, you may want to consider rental insurance.
Helping friends by volunteering to remove the snow in their driveway with your own plow should not lead to problems. Your personal auto policy should cover any liability or property damage you might cause but check your policy to make sure. However, if you use the plow commercially, you should contact your auto insurance company to determine if a commercial auto policy is required.
Homeowners and Renters Insurance
At home, it is important for property owners to understand the types of winter storm-related damages covered by their homeowners policy. Standard homeowners policies typically cover damage caused by falling trees and limbs, collapses caused by the weight of ice and snow or ice dam leakage.
Homeowners policies also generally include liability coverage for accidents such as slip and falls on snow or ice as well as medical payments for others, up to certain limits, regardless of liability.
Before heading to the ski lodge, you should check your homeowners or renters policy. Your ski or snowboarding equipment will generally be covered by your homeowners or renters policy up to a certain limit. Check the limit in your policy and decide if that will be enough to replace the gear if it is damaged or stolen. When checking, remember to factor in your deductible.
Auto Insurance
Standard auto insurance policies do not include coverage for snowmobiles. If you are planning to purchase a snowmobile, consult with your insurer about your coverage needs. Be aware that if you plan to take your snowmobile off your private property, you should probably maintain a separate snowmobile policy and carry proof of insurance. If you are traveling and plan to rent a snowmobile, you may want to consider rental insurance.
Helping friends by volunteering to remove the snow in their driveway with your own plow should not lead to problems. Your personal auto policy should cover any liability or property damage you might cause but check your policy to make sure. However, if you use the plow commercially, you should contact your auto insurance company to determine if a commercial auto policy is required.
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