We never expect to get in a car accident. And even though accidents are common, they feel like a big deal when they happen to us.
It’s natural to experience shock, anger, fear and other emotions in the moment and after the fact. But, preparing in advance can help make a collision more manageable.
If you're ever involved in a car accident, taking these six steps can help you better handle the experience.
Step 1: Make sure no one is hurt.
Call 911 if you, another driver, any passengers or any bystanders need immediate medical attention.
Step 2: Keep everyone safe.
The accident scene can be a hazard for other drivers. If the collision is minor, move the vehicles to the side of the road or the nearest parking lot. If the accident is major, carefully exit your car and walk to a safe place.
Step 3: Call the police.
Ideally, law enforcement will come to the scene quickly and take an official report. However, the local police department may not have the resources to respond to a minor accident, in which case you can file a police report yourself later.
Step 4: Gather necessary information.
Use your phone's camera or a pen and paper to note the other driver's name, address, phone number and insurance information. Record the other vehicle's license plate, vehicle identification number, make and model.
Step 5: Document the accident.
Take photos, videos and voice recordings to capture vehicle damage, road conditions and any details you remember about the events leading up to the crash.
Step 6: File a claim.
Get in touch as soon as possible to get your claim started. We can work to get your car repaired or replaced and minimize the disruption to your life.
Reach out if you have questions about your accident coverage or anything else.
Car insurance is a necessary expense for many people, and there are a variety of ways to save on this household cost once you know what it takes. To get started, gather your personal information, determine your budget and then consider the insurance coverage that you think will best safeguard you and your lifestyle.
Here are 10 ways to save on your car insurance:
1. Gather Specifics About Your Car and Its Primary Drivers
One way to begin the process of shopping for car insurance to get the most value for your money is to gather all of the information an insurance carrier needs to offer you the best possible rate.1 Start by compiling this basic information before you shop for quotes:
With this information, an insurance carrier can suggest the best coverage and rates for you and your lifestyle.
2. Research How Much Car Insurance Costs Before You Buy or Lease
When you buy or lease a car, it can be tempting to get a brand-new car or trade in your practical family vehicle for a sports car. Just keep in mind that the type of car you drive may impact your insurance coverage and rate. Be sure to check the cost of insurance before you finalize your car purchase or lease. Insurance rates may vary widely depending on the type of car, repair costs, safety record and many other subjective points.2
3. Research All Car Insurance Coverage Requirements
Each state has specific requirements for car insurance coverage.3 Coverage may become more complicated when a financial institution owns the vehicle you drive, so if you’re taking out a loan to make the car purchase, keep in mind that the lender may require you to have specific insurance that might otherwise be optional.4 One example is collision insurance that pays for the repairs of damage to your car sustained during an accident. Another example is comprehensive coverage, which typically covers the loss of the car for theft, fire and other damage due to non-accidents. Find out what coverage you need and the cost before you buy or lease.
4. Decide What Additional Coverage You Need
It may seem counter-intuitive but buying additional car insurance coverage may save you money.
Weighing the options for additional coverage will help you to ensure you are well protected. Consider how your finances might be impacted if you're involved in an accident, and the injuries or damages exceed the amount covered by insurance. You purchase car insurance to help protect against the potential costs of a theft or accident, so be sure to talk to your insurance agent or carrier for professional guidance on the appropriate level of coverage for you.
In addition, there are other coverage options that may save you money. What if your financed car is totaled? Can you afford to pay the entire loan? In this case, you may want to consider GAP insurance, which covers the difference between what your vehicle is currently worth, which is what your standard insurance typically will pay, and the amount you owe on it.
Again, your insurance agent or carrier can help guide you through the available options.
5. Save Money with Accident Forgiveness
Having a clean driving record is one thing that typically can help you to qualify for lower premiums. But there are times when even a good driver can have an accident. You may want to consider looking into potential savings through Accident Forgiveness and Minor Violation Forgiveness, if available in your state. These optional features can help you avoid a premium increase following your first covered accident or minor violation. There are also other features that can help provide peace of mind, such as Decreasing Deductible and a Total Loss Deductible Waiver. Ask your insurance agent about these plans, if you fit the bill as being a responsible driver because of your good driving record. Some carriers – in select states – also offer a program that uses smartphone technology to capture and score driving behavior of drivers covered on your policy, which could result in savings both in your first term and at renewal. It’s another option to explore when you’re a good driver and looking to save on your car insurance.
6. Determine What Car Insurance You May Not Need
If you own an older car and are looking to trim your expenses, you may consider dropping collision and comprehensive coverage. You’ll want to consider how much your older car is worth when you consider the cost of your premium including collision and comprehensive coverage. Be sure to also consider your individual driving situation to base your cost-cutting efforts on all the factors that could help you determine if this is a wise choice for you. With an older car, you may be paying premiums that total more than your car's value. Typically, if your car is worth less than 10 times the insurance premium, it may not be cost effective to keep that part of your coverage.
7. Life Cycle Events Can Save Car Insurance Costs
One thing you can count on is that life will sometimes bring changes in your lifestyle and circumstances, so it’s smart to consider how these changes may or could affect your car insurance costs. For example, did your child go away to school? Perhaps there’s a Student Away at School discount you can explore. Did you buy a home? Maybe you can explore a Multi-Policy Discount and get the benefit of bundling your policies. These are some of the events that may help lower your car insurance rate. It’s a good idea to notify your car insurance agent when you have a major life event such as these, to have a conversation to ensure you’ve got the best coverage for your current life needs.
8. Choose the Deductible That Is Right for You
Your car insurance deductible is the amount you’ll pay out of pocket before your insurance kicks in. The lower the deductible, the less you’ll pay out of pocket if an accident occurs. Selecting a higher deductible may lower your car insurance premiums.
For example, if you choose a $1,000 deductible and have an accident causing $2,000 in damage, you would pay the first $1,000 of a covered loss before insurance kicks in.
9. Compare Car Insurance Companies and Costs
With many things we buy nowadays there are choices. Many of us wouldn't think of buying a product or service without comparing prices, the value you get for your money, and the reputation of the provider. You may want to consider using the same philosophy when you purchase car insurance. Do your homework and then talk to your insurance agent or carrier about what your needs are.8
10. Ask Your Agent About Available Discounts
It’s a good practice to check in with your insurance agent at least annually to find out if you are eligible for a better car insurance rate. You may receive discounts if you bundle coverage, such as buying insurance for your home and car from the same company. As mentioned earlier, safe driving records and extra safety features on a car may also lower rates. Ask your insurance agent about any new offerings or gaps in your coverage to determine the best coverage for you.
Now that you’ve got some ideas on how to save on your car insurance, you may want to check with your carrier to review your coverage.
Maybe you’ve heard that people who drive red cars get pulled over more, so insurers charge them higher rates. Or that if you let someone else drive your car, their policy will cover an accident.
Well, when it comes to auto insurance, you shouldn’t always believe what you hear.
Get the facts about common car insurance myths, and reach out to make sure you have the coverage you need.
Myth #1: A ticket automatically increases your rate.
A moving violation doesn't have to increase your insurance rate unless it's a frequent occurrence. You may be able to take a driving course to maintain your rate and even pay less for your ticket.
Myth #2: Car color affects your insurance rate.
The truth is that the color of your vehicle most likely doesn’t affect your premiums. However, there are special cases where color can raise the value of your car — like a custom paint job — which could potentially increase your rates.
Myth #3: Older cars need less coverage.
If you don't have a loan on your car, you may not have to carry comprehensive and collision coverage, only the liability coverage required by the state. But you may not want to drop or lower your optional coverage if your car still has significant value, as it would be pricey to repair or replace.
Myth #4: Someone borrowing your vehicle is covered by their own insurance.
Laws vary by state, but usually the insurance covers the vehicle. Before you drive someone else's car, verify that it's insured. Don't assume that your own policy will cover an accident.
Myth #5: You only need the auto liability insurance that's required by law.
It's smart to buy more than the minimum, because personal liability for an at-fault auto accident can be expensive. Adding a personal umbrella policy for additional coverage can be a wise decision, especially when you have assets to protect.
Get in touch today with any questions you have about your policy.
Summer is the perfect time for a road trip. Whether you’re getting away to the nearest lake or crossing state lines to visit friends or family, you want to get there safely.
Here’s a quick refresher on how you can prevent common driving mistakes and make sure you have a smoother trip.
3 Mistakes to Avoid
1. Not inspecting your tires. If you drive a newer car, the instrument panel might notify you when your tires need air. If not, use a tire pressure gauge to check. Low pressure plus hot weather can cause a blowout, especially under the added weight of luggage and passengers.
Equally important, check your tires’ tread depth. Worn tires make it harder to brake, especially on wet roads. Better yet, ask your mechanic to make sure your car is in top shape before you leave.
2. Forgetting to pack a car emergency kit. Even with a recently tuned-up vehicle, things can happen that may leave you stuck on the road longer than you planned. A car emergency kit can help you handle these incidents with less stress. Include plenty of food and cold water for people and pets, plus items like jumper cables, a functional spare tire and a working flashlight.
3. Skipping a traffic check before you head out. An app like Google Maps can tell you if there’s a major traffic jam in your way. Be prepared to plan an alternate route or adjust your schedule if necessary. After all, no one likes getting stuck in bad road conditions
Another common driving mistake is not having enough insurance coverage. Before you hit the road, reach out to make sure you’re fully protected.
More than 40,000 Americans died on the roads in 2016, the most significant increase in deaths over a two-year period in more than 50 years.1 Whether someone you love has been known to text and drive, or you have found yourself distracted behind the wheel, these tips can help avoid dangerous activity on the road.
Taking your eyes off the road to search for an item can make you more likely to have an accident.
Share these tips to help keep others safe.
When you ask, “Should I lease a car?” you likely hear one of two words: "Do" or "Don't.’
That makes it difficult to decipher the pros and cons of leasing a vehicle. The answer to the question, like many financial decisions, depends on a host of individual details including price, terms, driving record, insurance history and more.
Misinformation and even some long-held biases on the pros and cons of leasing add to the confusion. But leasing a car makes sense for many people.
Are you among them?
The best way to judge is to understand the pros and cons of leasing a car, how leasing a car works and what insider tips for leasing a car might help you get the best deal.
Here are some of the particulars you might consider:
What Is a Car Lease?
You'll often hear car leasing likened to apartment leasing. There are plentiful similarities. When you lease a car or an apartment, you lease the property for a specific amount of time. You and the property owner have a mutual understanding that the assets will be returned in good condition.
Yet there are significant differences between leasing a car and leasing property or even other equipment. Many car lease agreements last two to three years and often allow you to purchase the car at the end of the term. Car lease agreements limit the number of miles the vehicle can be driven annually, generally between 12,000 to 15,000 miles. Those that exceed the agreed upon mileage are often responsible for paying 10 to 25 cents per mile. You may be able to increase the number of miles you can drive without a per-mile penalty, but the cost can be steep.1
How to Lease a Car
On the surface, it's easy to understand how leasing a car works.
Review car dealership websites. Then call or visit the dealership. That's how you'll find lease specials and selections.
One major difference between shopping for a traditional car loan and a lease is what you'd focus your energy on. With a traditional purchase, getting the lowest sale price is typically the goal, as that price, combined with the annual percentage rate (APR) of your loan’s interest as well as taxes on the vehicle, will be spread out over the course of a multi-year loan When leasing, your energy is better spent trying to determine the lowest possible payment, including all taxes and fees,2 since the term of the lease is typically shorter than a car loan term.
Shop at different dealerships before you select a car to lease, just as you would if you bought a car.
One tip: Don't forget to ask for all lease terms, from each dealership, in writing so that you can compare all fees, prices and terms.
Why Do People Lease Cars?
Some people choose to lease a car because it allows them to drive higher-end cars for a more affordable monthly payment. Plus, a two- to three-year car lease allows drivers to easily and frequently upgrade their rides.
Of course, not everyone leases because they want luxury wheels. Lower down payments, warranties, and free routine maintenance are among the benefits lease customers often receive.
Another bonus is that depreciation of the car is deducted from the total lease cost you pay. And some who end their lease find the car is more highly valued than predicted. That may entitle the lease owner to a payout or credit.3 An easy way to determine if you might be entitled to a payout or credit would be to evaluate your vehicle's value online and compare that value to your payoff amount. If your car is worth more than your payoff, you may want to discuss this issue with the dealership, to find out if you may be due some cash.
Many dealerships also offer leases for used cars. Those are usually certified preowned (CPO) cars. Those cars are generally newer, have low mileage and were inspected and repaired or refurbished.
What Are Some of the Downside of Car Leases?
The obvious downside to leasing a car is that you don't own the car at the end of the lease. That means you don't have a trade-in if you decide to purchase a car. Those that routinely lease cars over many years may pay more money than they would if they had initially bought the car.
Another thing to consider: You can break an auto lease, but it will likely cost you a hefty fee. Yes, you can sign a long-term lease, but that may negate the monetary benefits of leasing instead of buying a car. That’s because leasing typically costs you more than what you might have taken out in a long-term car loan. You’ll want to do the math to figure out if the numbers work in your favor to sign a long-term lease.
Should I Buy My Leased Car?
Just as you consider many factors when you lease a car, you need to analyze the costs and benefits of buying the car at the end of the lease.
First, do you like the car? Do you enjoy driving it and does it suit your needs?
That may seem like a funny question but consider your lifestyle. If you leased a small, compact car so you can easily maneuver through traffic, for example, and are moving to a rural area where you may need a vehicle that has sturdier road handling capabilities, you may find the compact car unsuitable for your new location. On the other hand, you may not want to drive a large SUV if you are moving to a congested urban area.
Are you happy with the car's performance?
Do you find gas mileage is reasonable?
Is the car always in the shop for warranty work? Analyze how much the car's upkeep will cost you if you do buy it.
If you decide the leased car is the one you want to buy, look at the residual value. How much is the car worth and how much would you pay to get out of your lease before it expires?4
There are various strategies to save money when buying your leased car, including financing through your bank or working directly with the lender (the creditor that owns the car). If you decide to buy the leased car, explore all options.
As with most personal financial decisions, the pros and cons of leasing a car come down to a host of individual factors. Analyze your needs and budget and then shop to make sure you make the right decision for you.
Send me a Home Insurance Quote Cape Cod Massachusetts -How to Get the Most Out of Your Car
Whether your car is brand new or getting up there in mileage, you probably want it to keep running smoothly for as long as possible.
You already know that maintenance tasks, driving habits and more can all affect your vehicle’s overall health. But are you doing everything you can?
Here are a few obvious and not-so-obvious ways you can give your car the attention it needs to keep you safe and comfortable for another few years of driving.
1. Stick to the right maintenance schedule.
Regular maintenance, including basic oil changes and brake, fluid and filter checkups, can help keep your vehicle running strong. Your trusted mechanic and your owner’s manual can help you follow the recommended maintenance schedule.
2. Avoid short trips.
Frequent, short drives may not give your engine a chance to reach optimal operating temperature and can be hard on your vehicle. When you can, group your errands and other short trips as much as possible.
3. Keep it clean.
Help protect your car’s interior and exterior from wear and decay by cleaning both regularly. Remember, the tires and undercarriage should also be washed regularly to prevent corrosion and other issues.
4. Practice smart driving habits.
Everyday careful driving can also go a long way toward prolonging the life of your car. Follow the speed limit, avoid sudden braking and acceleration, and of course, avoid distracted driving.
5. Stay observant.
Use your senses to look out for anything out of the ordinary and be sure to follow up with your mechanic if you notice any strange sounds, smells or problems with your tires.
Have questions about your vehicle coverage or anything else? Reach out anytime.
The economic shifts resulting from the COVID-19 pandemic likely mean that your business has changed; it may have shrunk or grown substantially since the onset. This may mean changes in operations, staffing and transportation schedules, all of which may change again as social distancing restrictions ease and your business returns to a new normal. Whether you transport cargo or have employees driving regularly for work, some adjustments are likely as you respond to the crisis and adapt to new ways of doing business.
One of the most important things you can do is to engage your employees in the process of restoring operations. Review employee standard operating procedures (SOP). As needed, update procedures, including your employee handbook. Provide training to employee groups on new SOP and include supervisors in the training. Reinforce any new SOP through ongoing supervisory communication and utilize existing corrective action programs to ensure compliance. Consider organizing a COVID response committee, which can help connect management and employees to gather feedback on coordinating both reopening and future concerns.
Before operations ramp up, make sure you review any instructions or requirements from state or local authorities that may be applicable to your business. If reopening, you may want to consider a thorough disinfection of your facility and any tools, vehicles or equipment that are used by your employees. Be sure to include desks, washrooms and break rooms. Product to be delivered may need to be sanitized as well. Consider establishing a program to continue an ongoing cleaning and disinfecting process.
Consider a process for wellness checks and procedures for employees reporting or displaying signs of illness. Work with legal counsel to make sure you are complying with laws and regulations related to employees' health and privacy. Develop social distancing and personal protective equipment (PPE) policies, taking into consideration state and local public health guidance and overall employee safety.
Consider limiting visitors to your facility.
Driving and Transportation
Just as it is important to disinfect your facility, be sure to clean and disinfect all vehicles. This includes cleaning between shifts and drivers. Make disinfecting supplies available to your drivers and vehicle maintenance staff, and stock these supplies in every vehicle.
Your pool of drivers has likely changed since the onset of the COVID-19 pandemic. If commercial drivers were furloughed or laid off, review the hiring requirements from the Federal Motor Carrier Safety Administration (FMCSA) to determine if new applications or drug and alcohol testing are required. Many organizations are revisiting hiring decisions made during the COVID-19 pandemic to ensure new drivers meet company hiring standards.
Carefully review staffing levels as your operational pace increases. While it may be tempting to try to do more with fewer drivers, over time, fatigued drivers can lead to increased motor vehicle crashes and workplace injuries.
Customer or Delivery Sites
Coordinate safe work practices with your customers before beginning deliveries. Ask about changes to delivery procedures or physical controls at locations where you make deliveries. Work with each customer and supplier to establish a new practice that can help limit contact between delivery employees and customers' employees. For example, delivery employees may need access to a safe waiting area or restrooms within a customer's facility. Also, there will likely be a shift to e-signatures over wet signatures for delivery confirmations. Make sure employees are trained in new delivery practices.
Review routine activities, such as updates to licensing, certification renewals or medical screenings, that may not have been completed as normally required. Revisit any scheduled training or maintenance on vehicles or equipment that may have lapsed.
With the ongoing COVID-19 pandemic, it is crucial to review and update policies for cleaning and disinfecting your facility, equipment and vehicles. It is recommended that you increase the frequency of cleaning and disinfecting high-touch surfaces, which may include door pushes, handles, touchpads, elevator buttons, faucets, sinks and electronic devices, as well as common areas, such as entryways, lobbies, hallways and restrooms. The Centers for Disease Control and Prevention (CDC) offers steps for properly cleaning and disinfecting facilities.
If infected persons have been in your facility, the CDC provides additional considerations:
How to Clean and Disinfect
Hard (Non-porous) Surfaces
Non-porous surfaces should be cleaned using a detergent or soap and water prior to disinfection.
When cleaning and disinfecting soft (porous) surfaces like carpets, drapes and other woven fabrics, first clean these surfaces with soap and water or other suitable cleaners. Avoid shaking drapes to make sure you do not make the virus airborne. Then, if possible, launder these items following the manufacturer’s directions. When laundering items, use the warmest water setting appropriate for the items and dry completely. Otherwise, use EPA-registered disinfectants for SARS-CoV-2 for porous surfaces.
Clean and disinfect electronics regularly, especially if they have been used by an infected person. Electronic devices may include cell phones, tablets, touchscreens, keyboards, remote controls and ATMs. Remember to focus on frequently touched surfaces. When cleaning and disinfecting electronics – both shared and personal – follow the manufacturer’s instructions on appropriate products to use. If there are no cleaning and disinfecting guidelines provided by the manufacturer, consider using disinfectant products such as wipes or sprays with at least 70 percent alcohol.
Develop and consistently follow cleaning and disinfection procedures for vehicles, with a focus on commonly touched surfaces. Conduct these procedures at the beginning and end of each driver’s shift. Maintain adequate ventilation of the vehicle while cleaning and disinfecting. Refer to the sections on PPE and hand hygiene below.
Wash or sanitize hands immediately after cleaning and disinfecting, removing gloves or other PPE, or coming into contact with an infected person. To thoroughly wash hands, use soap and water for 20 seconds. When washing hands is not possible, and as long as hands are not visibly dirty, use an alcohol-based hand sanitizer made of at least 60 percent alcohol. Other key times to clean hands are after coughing, sneezing, blowing your nose or using the restroom; prior to preparing food or eating; or after public visits or interactions.
Personal Protective Equipment (PPE)
It is important to develop and implement procedures and policies that address the use of PPE.
If a repair is urgent, use these safety guidelinesUnless your car needs repairs immediately, skip the shop — at least in the short term.
That's the advice of Pat Carroll, M.D., chief medical officer of the San Francisco–based telemedicine platform Hims and Hers.
"This pandemic is a significant and serious health concern,” he said. “As people are postponing their own routine health care, you should most definitely postpone routine car care."
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Of course, some vehicle maintenance can't wait. To determine if yours can, call your repair shop and ask, says James Garnand, owner of Hi-Tech Car Care in Phoenix and president of the Network of Neighborhood Auto Repair Professionals. “The service technician can also explain how you might be able to make a simple repair yourself,” he says. “We appreciate your interest and would like to help you."
How to keep the virus at bayBut you can protect yourself if you need service because of a coolant leak, faulty battery or other serious malfunction. Don't rely entirely on the quick-service centers, even those that work under your car from pits, suggests Brian Haggerty, owner of Cross Island Collision in Floral Park, New York. Ask before you go. “If you don't have to get out of your car, then that's great,” he says. “I think they do want to drive the cars in themselves. They don't let you do that due to liability."
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Many towing companies are taking extra precautions to prevent the spread of COVID-19.
Expect tow truck operators to wear gloves and masks; they'll expect you to do the same. But prepare for the worst before you get behind the wheel.
• Keep antiseptic wipes, gloves and a mask in your car.
• Assume you won't get a ride home from the tow truck driver.
• Ask the towing company to help you arrange for transportation home if you don't have it.
• Wash your hands and face as soon as you can afterward.
"Caution is the operative word,” says Patrick Carroll, M.D., chief medical officer of the San Francisco–based telemedicine platform Hims and Hers. “It's probably a time in our lives when it's good to be a little bit obsessive-compulsive and just assume that [the virus] is deposited in a lot of the hard surfaces."
Even if you find a shop that allows you to drive in and out, Haggerty recommends wearing gloves and a mask. And make sure the technician does the same. Roll the window down only slightly to pay, and disinfect your credit card before you put it away.
No matter what shop you frequent, Haggerty, Garnand and other experts suggest the following precautions.
Follow CDC guidelines and expect others to do so.
“Wear a mask and gloves, and choose a facility that will [mandate employees] do the same,” Haggerty says. “Call and ask if the facility is doing that. We only greet customers when we have gloves and masks on. And we do six feet of social distancing."
Don't touch unsanitized items.
Keys and paperwork are dropped onto counters and sanitized before Haggerty's customers touch them.
Make sure the repair shop sanitizes your car.
"Do not be afraid of asking, ‘How did you make sure my vehicle is safe?’ “ Garnand says. Even better, ask technicians to disinfect the car while you watch.
Wipe down your car, too. Don't rely on others, Haggerty recommends. Disinfect your vehicle even if the technician did so.
Clean hidden spots. Wipe down dashboards, gear shifts, seat belts and any other exposed surface, advises Ragina C. Ali, public and government affairs manager at Wilmington, Delaware–based AAA Mid-Atlantic.
Although cleaning is vital, take care not to use alcohol or bleach on leather or vinyl, she warns, as it could crack and discolor your seats and steering wheel. Check your owner's manual for products that thoroughly but safely clean car surfaces. The Environmental Protection Agency also has a list of criteria for effective cleaning products.
Stay alert at the pumpCustomers with vehicles in service bays aren't the only ones who could be exposed to the coronavirus; rather, those who perform routine actions, such as pumping their own gas, increase their risk of infection.
"Assume that all the surfaces have droplets,” Carroll says. “You should wear protective gloves. If you can, [use a disinfectant] to wipe down the pump surface and handle.” Also, take care not to let your hair or clothes come in contact with the gas pump, he says.
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"Those are portals of entry for the virus,” Carroll explains. “As soon as you get home, thoroughly wash your hands, your hair and anything that might have come in contact with the pump."
He also recommends washing your face and around your ears. Yet that's not enough. Most of us reach for our wallets and credit cards after pumping gas. Even if you wear rubber gloves when handling those items, they still could transmit the virus to you. So wipe down gloves with antiseptic and wash them or throw them away.
"You have to be fastidious about limiting your exposure to other individuals except when it's absolutely necessary,” Carroll stresses. “Those over 50 are at increased risk, and there's even more risk for those over age 65. You really should be minimizing your contact with people outside of your immediate household."