Falling asteroids and meteors and satellites. OH MY!

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I don’t know about you – but up until last week when I’d think of a meteor the thought that would come to my mind would be of trying to catch a beautiful display of “shooting stars” streaking through the night sky.  While I’ve watched enough sci-fi movies to be aware of a perceived danger from world ending asteroids, I’ve admittedly never really contemplated the real life danger from such a phenomenon.

Granted, I was familiar with the story of Ann Hodges who was taking an afternoon nap on her couch before being rudely, “rocked” awake by a meteorite that crashed through her ceiling, hit her radio console and smashed into her hip, but I figured she was just unlucky. Now after seeing all of the photos and videos of meteor that hit Russia, it leaves me wondering what the chances are of something like this happening close to home. (Not to mention my sudden curiosity as to why so many Russian drivers have dash cams installed in their cars?!?)

While I can’t address the probability of us being struck by a meteor, I can help address who would pay for the damages should your house suddenly be rocked by a meteor – or a more likely case of “blue ice” for that matter.

Standard homeowners insurance polices provide coverage for falling objects – including satellites, asteroids, meteors and space debris when the falling object causes to the structure of the home, as well as to property or belongings damaged within the building.

If a satellite, meteor or asteroid falls on your car, coverage is provided under the optional comprehensive portion of a car insurance policy. And if falling debris causes an auto accident, the liability portion of the policy would come into play.

In the tragic event that space debris were to strike a person, his or her injuries would be covered under health insurance and, in the event of a death, existing life insurance policies would kick in.

So, even when the sky seems to be falling, insurance can provide peace of mind.


Contact me if you would like to be discuss your home insurance so we can be sure you have the proper coverage in place for life’s next phenomenon. 

Don’t ____ & Drive:

Distracted Driving is Deadly!

Each day, more than 15 people are killed and more than 1,200 people are injured as the result of a distracted driver being behind the wheel.1 Multi-tasking is a trait that we all must adapt to in order to survive in as our society continues to become more and more fast paced. The more we try to do at once, the more we are driven to distraction

Every time you get behind the wheel,  you will be faced with many opportunities for distractions, such as eating a cheeseburger, texting a boyfriend, or surfing the radio stations. The act of texting takes your eyes off the road for 4.6 seconds.  At 55 MPH, that’s like driving the length of an entire football field…. blindfolded.2  A few seconds may not seem like a lot of time, but that extra second can mean the difference between safety and tragedy for any driver.

Driven to Distraction Infographic

[Source: Bolt Insurance]

1 CDC: Distracted Driving
2 Distraction.Gov

Car Safety in 2011

You are probably aware that your car insurance rate is based on many factors such as age and gender and the type of car that you drive. However many individuals assume that the performance of their car is the main rating factor – and while that certianly is factored in, an even larger factor is the safety of the car.

With improvements in modern technology, cars have become much safer and improved your chances of crash survival.  That is why it is important that safety features aren’t overlooked when you’re shopping for your next car.

Consumer Reports recently released this guide of safety features to look for when car shopping. This infographic outlines the car safety measures that were implemented in 2011.

The Worst Times to Drive

Recently I posted about the most dangerous days of the year to drive a car, but now we may be able to narrow it down even further by examining the most dangerous times of day to drive.

It appears as if the month of October is one of the most dangerous months for teen drivers, with reports noting a 15% increase in incidents compared to other months!

IGottaDrive.com has put together this infograhic to help display the worst times to drive: