Four-Leaf Clovers Don’t Save Lives: Sober Drivers Do

clover cuffsThis Sunday is St. Patrick’s Day – and you know what that means:green clothing, green decorations and even green beer. But if you’re going to have a glass of that festive brew, be sure to hand over your keys first – because luck won’t keep you out of a jam on St. Patrick’s Day.

 
St. Patrick’s Day has become a popular night out to celebrate with friends and family.  Unfortunately, it has also become a very dangerous night due to the large volume of drunk drivers.

In 2010, more than 10,000 people died in alcohol-impaired driving crashes – that’s one every 51 minutes!!1  That is 10,000 too many! 80% deaths on St. Patty’s Day involved drunk drivers who were nearly twice the legal limit!2

If you decide to imbibe and opt to enjoy an Irish Car Bomb, don’t rely on the Luck of the Irish to get you home – opt to get a Designated O’Driver!

Irish eyes smile upon the designated sober driver:

Designate a Sober Driver

Don’t bet on your Irish Luck this St. Patrick’s Day – or this could be you!

Finding a designated driver on St. Patrick’s Day isn’t Luck. It’s Smart!!

Sources:
1. Imparired Driving on St. Patrick’s Day | NHTSA
2. St. Patrick’s Day Safe Driving Campaign

Don’t let Fido become a distraction – or a missile!

At just 30mph a 80-pound pet becomes a 2,400 pound projectile!

Although I consider myself to be a pretty passionate safety advocate against distracted driving, as well as having a huge heart for animals I have an embarrassing confession to make: Everytime I take my boys for a car ride I become a distracted driver, while also putting my four-legged kids in harm’s way. I’ve never really taken the time to think about the distraction that having Cheech & Diesel in the car brings. A survey of drivers who travel with their dogs showed 56% of pet owners have driven with their dog in a vehicle at least once a month over the past year. (Guilty)

Sixty-five percent of dog owners admit to engaging in at least one potentially distracting activity while driving with their dog:

  • 52% admit to petting their dog (Guilty)
  • 23% admit to using their hands/arms to keep their dog from seat hopping (Guilty)
  • 18% admit to reaching in the back seat to interact with their dog (Guilty)
  • 3% admit to taking a photo of their dog (Only guilty when my husband is driving, but I am sure that is just as distracting)

In addition to the driving distraction that Cheech & Diesel present as passengers in the car, they also pose another safety hazard — becoming a flying missile in the event of a sudden stop. At an abrupt stop Cheech & Diesel would keep moving at whatever speed the car was traveling.  In the event of a crash, even if I was only going 30 mph, Diesel’s 80 pound frame would exert about 2,400 pounds of force.There are some auto insurance policies that now offer coverage for pet injuries sustained as the result of an accident — however there is no coverage for the unbearable heartache one would endure in such a tragedy.

Tips for a safer trip:

BoxerinHarness

  1. Large dogs (such as Diesel) should be restrained with harnesses linked to a car’s seat belt.  Smaller pets should ride in crates or a travel-safe dog bed.
  2. Dogs should never ride on the driver’s lap.
  3. Don’t let your dog stick their head out the window — even though they love it.  Dirt and debris can cause injury or infection.

NEVER leave an animal in a parked car, even if the windows are partially open. Even on pleasant days the temperature inside a car can soar to well over 100 degrees in less than 10 minutes, placing your pet at risk for heatstroke and possibly death. Pets can very quickly suffer just like humans, from heat stroke or heat exhaustion. On very cold days, hypothermia is a risk.

If you live in Indiana and would like to discuss your insurance with me Click Here. 

Sources:

A coverage checklist for home insurance

As a homeowner, it is imperative that you understand what is covered, or more imporantly — what’s NOT covered.

Not all policies are created equal

There are many different options with home insurance, so it is important to first know what is included in a standard home insurance policy. Simply because you have a policy does not mean you have obtained proper protection, and sadly most people only come to realize this when it is most important — when you need to file a claim.

For example: One common exclusion in standard home insurance policies is damage caused by water back-up of sewers and drains. However most insurers provide the option to add the coverage back for a nominal cost. I include this coverage on every single proposal I deliver. If the client opts to decline and sign off on this coverage it is because they have made the decision to remove the coverage — not because I made the decision for them in an effort to be the cheapest.

I never want to find myself on the phone with an angry client standing in two inches of their own crap, wondering why in the hell I wouldn’t have told them about this inexpensive coverage in the first place. That would be, well…crappy.

Do you’re homework and find out how well you are (or aren’t) protected:


Don’t depend on dumb luck this St. Patrick’s Day

This Saturday is St. Patrick’s Day – and you know what that means – booze.

St. Patrick’s Day has become a popular night out to celebrate with friends and family.  Unfortunately, it has also become a very dangerous night due to the large volume of drunk drivers.

In 2009 there were 103 crash fatalities on St. Patrick’s Day.  Of these fatalities 37% involved alcohol-impaired drivers with a BAC of .08 or higher. (NHTSA)

If you decide to imbibe and opt to enjoy an Irish Car Bomb, don’t rely on the Luck of the Irish to get you home – designate a sober driver.

Irish eyes smile upon the designated sober driver:

Don’t bet on your Irish Luck this St. Patrick’s Day – or this could be you!