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Learning Center

FAQs
 

Hurricane Preparation Information

 

1. Safeguard your possessions.
Create a personal flood file containing information about all your valuable possessions and keep it in a secure place, such as a safe deposit box or waterproof container. This file should include: 

  •  A copy of your insurance policies with your agents’ contact information.
  •  A household inventory. For insurance purposes be sure to keep a written and visual (i.e., videotaped or photographed) record of all major household items and valuables, even those stored in basements, attics or garages. Create files that include serial numbers and store receipts for major appliances and electronics. Have jewelry and artwork appraised. These documents are citically important when filing insurance claims. 
  • Copies of all other critical documents, including finance recores or receipts of major purchases.  

2. Prepare your house.

  • Inspect your sump pump. If you have a sump pump, make sure it’s working and then install a battery-operated backup, in case of a power failure. Installing a water alarm will also let you know if water is accumulating in your basement.
  • Clear debris from gutters and downspouts.
  • Anchor fuel tanks.
  • Raise your electrical components (switches, sockets, circuit breakers, and wiring) at least 12 inches above your home's projected flood elevation.
  • Place the furnace, water heater, washer, and dryer on cement blocks at least 12 inches above the projected flood elevation.
  • Move furniture, valuables, and important documents to a safe place.

3. Develop a family emergency plan.

  • Create a safety kit with drinking water, canned food, first aid, blankets, a radio, and a flashlight.
  • Post emergency telephone numbers by the phone and teach your children how to dial 911.
  • Plan and practice a flood evacuation route with your family. Know safe routes from home, work, and school that are on higher ground.
  • Ask an out-of-state relative or friend to be your emergency family contact.
  • Have a plan to protect your pets.

If you should sustain any damage, you can file a claim online through the Partners Insurance Group website. Just click the “File A Claim" link located on the homepage.


Windshield Wipers On - Lights On 

 A new law went into effect on April 7, 2015, requiring drivers to turn on their headlights whenever weather conditions warrant the use of windshield wipers.

The law allows a minimal violation fine which could put a "minor surcharge traffic violation" on your driving record and in some circumstances, affect your auto insurance rates.

 

What should I do if I'm in an automobile accident?

If you are involved in an auto accident, knowing what to do can help you stay calm and get the necessary information to make things easier down the road.

Start by checking to make sure everyone involved is all right and call 911 if necessary. Protect yourself and your property from further injury or damage (ex: cautiously moving to an area on the side of the road away from moving vehicles). Consider notifying the police.

Exchange information with the other driver. Be sure to get the name, address, phone number, date of birth, license number, license expiration date and insurance company name of the driver; the year, make and model of the car as well as the license plate numbers; and the name, address, phone number and insurance company of the person to whom the vehicle is registered.

If there are any witnesses to the accident, ask for their names, addresses and telephone numbers.

If the police have been notified, take down the name and badge number of all law enforcement officers who arrive at the scene. Ask them where and when you will be able to get a copy of the accident report. If you are given a traffic ticket, sign the ticket (not signing could result in your being arrested) but do not pay the fee until you talk to your insurance agent.

Try to document the accident by making a diagram, writing down everything you remember, and, if possible, taking pictures of the scene and the position of the cars. Details are important, so note down everything you can - your speed, the weather, road conditions, skid marks and whether the streetlights are on if the accident takes place at night.

During your conversations with people at the scene, including police officers, do not volunteer any information about who was to blame for the accident. You may think you are in the wrong and then learn that the other driver is as much or more to blame than you are, or vice versa. You should first talk to your insurance agent, your lawyer or both. Anything you say to the police or the other driver can be used against you later.

Call your insurance agent as soon as possible to file a claim.

 

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Is my teenage driver safe?

Even with driver's education, driving is considered by many to be the most dangerous activity in which teens will participate. Even a careful driver is likely to get into an accident during the first few years behind the wheel. To ensure the safety of your teen driver, auto insurance is a very important first step. Getting the proper coverage for a younger driver is essential. If you are looking to do more, you may want to consider advanced driver education classes such as those offered by In Control Advanced Driver Training. These classes provide additional training on how to handle emergency situations and raise drivers awareness of some of the dangers on the road. Sites on driver safety, including SaferCar.gov and TeenDriving.com, offer tips and information to new and experienced drivers alike.

 

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Are there steps I can take to prepare for a flood? What can I do to minimize flood damage?

In addition to getting flood insurance, there are a number of steps you can take to prepare for a flood and minimize damage. Make sure your sump pump is working properly and install a battery-operated backup since there is a chance you may lose power during a severe storm. Elevate your furnace, water heater, washer, dryer, and all electrical components (fuse box, circuit breakers, wiring) at least 12inches above the projected flood line. Creating an inventory of all your possessions, accompanied by pictures and receipts, will come in useful if there is any damage to the contents of your house. Be sure to keep that information along with your policy information and any important documents in a secure, waterproof box or a safe deposit box. Prepare your family for a flood by developing an emergency plan and a safety kit with water, blankets, non-perishable food, first-aid supplies and a flashlight.

For more information on flood insurance and preparing for a flood, as well as tips on what to do during and after a flood, visit http://www.floodsmart.gov/floodsmart/.

 

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