Car batteries have varying life spans that depend on where you live, what type of battery you have and more. Get your battery checked out at each oil change, and test it once a year after the three-year mark. It’s also important to know the signs of a dying battery so you don’t end up stuck somewhere with a car that won’t start. Keep reading to understand the factors that can shorten or extend your battery life, as well as what to consider when it’s time for a new battery. What factors affect the life of a car battery?
What are the signs that a battery needs to be replaced? Have your battery tested immediately if you notice:
How to Select a New Battery You should replace your old battery with an identical model. Be sure to look for:
Want to discuss your car insurance policy? Reach out for assistance.
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Keeping your vehicle in good condition is essential to your safety. Plus, a well-maintained car can help you save money in the long run. That’s why it’s important to get regular service for your vehicle, such as inspections, oil changes and tire rotations. But you should also know the signs that something may be wrong — when it’s time for a professional to look at your car for anything beyond regular maintenance.
Reach out if you have any questions about car care or your auto policy. Most homeowners would probably love to reduce their utility bills while making a positive impact on the environment. Does that sound like you?
Good news: Installing a renewable energy system in your home can provide clean electricity and heat while lowering or eliminating your energy bills. However, there are upfront costs and other considerations involved. Want to learn about your options for renewable energy systems? What are the options for renewable energy?
What to Consider Before Installing a Renewable Energy System Check with local and state governments for any regulations you need to follow. The company you choose for installation should also be able to help you research and understand:
How to Determine Your Electricity Needs Be sure you know how much electricity you’ll need your system to generate by calculating your current consumption. You may be able to get this information from your utility company or renewable energy company. You can also get a close estimate by multiplying the wattage of each appliance in your home by the approximate number of hours it’s used per day. Reach out if you have questions about how your homeowners insurance policy may be affected by the installation of a renewable energy system. A pair of climate scientists are proposing a sixth category for hurricanes as climate change increasingly intensifies these storms, according to a new research study. In a study, published Monday in the Proceedings of the National Academy of Sciences, the two scientists argued the “open-ended” Saffir Simpson hurricane wind scale is becoming increasingly “inadequate” as the globe continues to warm. The scale, developed in the early 1970s, may not reflect the true intensity of some storms, argued study co-authors Michael F. Wehner — a climate scientist at the Lawrence Berkeley National Lab — and James P. Kossin — a former NOAA climate and hurricane researcher. A Category 6 designation would apply to storms with winds that exceed 192 miles per hour under their proposal. Storms with winds of 157 mph or higher are currently ranked Category 5, an open-ended approach that fails to adequately warn people of the dangers of higher wind speeds, the study contended. The study’s co-authors believe the open-ended nature of the current scale will prompt people to underestimate the risk of some hurricanes, which will become “increasingly problematic in a warming world.” “We find that a number of recent storms have already achieved this hypothetical category 6 intensity and based on multiple independent lines of evidence examining the highest simulated and potential peak wind speeds, more such storms are projected as the climate continues to warm,” the study stated. Does the hurricane intensity scale need a new 'category 6'?Since 2013, five — all in the Pacific — reached wind speeds of 192 mph or higher, with warming conditions expected to bring even stronger weather, The Associated Press reported. “Climate change is making the worst storms worse,” Wehner told the news wire. Some experts told The AP they do not believe another category is needed, and could give people the wrong impression as it’s based on wind speed, rather than water — the deadliest element of hurricanes. University of Miami hurricane researcher Brian McNoldy reportedly noted climate change is not causing more storms, but rather intensifying storms and increasing the proportion that qualify as major hurricanes. This is driven by warmer oceans, McNoldy said. Kossin told The AP pacific storms are stronger as there is less land to weaken them, in contrast to the Gulf of Mexico and Caribbean. While no Atlantic storm has reached the 192 mph threshold, Kossin and Wehner told the news wire the world warming will create a greater chance in the future. Jamie Rhome, deputy director of the National Hurricane Center, noted to the news wire that his office attempts “to steer the focus toward the individual hazards, which include storm surge, wind, rainfall, tornadoes and rip currents, instead of the particular category of the storm, which only provides information about the hazard from wind.” Rhome added a Category 5 already suggests “catastrophic damage” from wind so adding a higher category would not be necessary even in the case storms get stronger, the AP noted. No one wants to be in the position of filing a car or home insurance claim, but it may be necessary from time to time. Whether your home sustained damage or you were in an accident involving another vehicle, filing a claim starts the process of getting reimbursed. This may include repair costs, the value of lost or stolen property, or associated expenses (such as a rental car or hotel stay). Keep reading to learn when you should or shouldn’t file a claim and how the process works. When should you file a claim? Generally, it can be a good idea to file a claim on your homeowners or car insurance if:
When is it not necessarily worth it to make a claim? There are times when you may not benefit from filing an insurance claim; for example, if the damage to your car or home isn’t covered by your policy. Additionally, if the damage is so minimal that it doesn’t meet your deductible or isn’t worth potentially higher premiums, you may not want to make a claim. Filing several claims in a short time frame could result in higher rates. How to File a Claim If you do decide to file a claim, it’s important to do so as soon as possible. You should provide photos and relevant details and respond to requests for additional information. Call the police if you’ve been in a car accident or if your home has been burglarized. Obtain a copy of the police report to submit with your claim. Stop using the damaged vehicle (or part of your home) until it can be inspected. You don’t want to cause further damage while your claim is active. Reach out if you have questions about your insurance coverage. |
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