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Insurance Explained: "Acts of God"

9/29/2022

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“Act of God” is a commonly used insurance term, but you may not know exactly what it means. When it comes to weather and other unpreventable events, it’s important to understand acts of God so you can protect your property by making sure you have the right insurance coverage.

Keep reading to learn what an act of God is, the types of events that qualify and how it all factors into home and auto insurance policies.
 
What does “act of God” mean?

Simply put, an act of God (in property and car insurance policy terms) refers to events, such as extreme weather, that are out of your control.

If it’s something you can’t prevent, it’s likely an act of God.

What types of events qualify as an act of God?

Examples of acts of God include windstorms, lightning strikes, hail storms, wildfires, hurricanes, tornadoes, floods and earthquakes. However, not every act of God is included in a standard insurance policy. You may need additional coverage.

Does auto insurance cover acts of God?  

Car insurance will cover acts of God if you sign up for comprehensive coverage. This type of auto insurance covers natural disasters as well as other types of damage not caused by a collision. For example, if your car is vandalized or an animal runs out in front of you, comprehensive coverage can help you pay for repairs or a total loss.

What about home insurance?

A standard homeowners policy usually covers some acts of God. Flooding and earthquakes are two common exceptions. If you live in a flood zone or an area prone to earthquakes, you’ll need separate coverage for those natural disasters.

Is an act of God the same as a force majeure?

The two terms are similar; however, the term force majeure is more commonly used in business and construction contracts. It refers to unforeseeable circumstances that prevent a contract from being fulfilled.

Have questions about your insurance coverage for acts of God? Just reach out, and we’ll be happy to help.
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High-tech Cars: what's new in car saftey features?

4/22/2022

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​High-tech cars are here to stay. Car safety technology is evolving quickly, bringing scores of often unpronounceable abbreviations for new systems that promise to keep us safer. Can a car read a street sign? Can the family wagon's safety systems react to a sudden traffic change faster than a seasoned driver? Automakers say yes.

We're all familiar with established safety systems like Anti-Lock Braking Systems (ABS) and Traction Control. ABS dates back to the late 1920's when it was first developed for aircraft, although it wasn't until 50 years later that this now nearly ubiquitous technology reached the highway. Technology is advancing faster now than ever before, bringing inventive new safety systems to your dashboard and automobile chassis. Let's take a look under the hood of today's high tech cars to see what some of the most intriguing new technologies offer and how they can make your commute safer and less stressful.
  • What Are Advanced Driver Assistance Systems? Often referred to as ADAS, Advanced Driver Assistance Systems offer a broad range of safety-enhancing features for vehicles. These systems range from sensors that can detect drowsiness in drivers to pedestrian detection and avoidance systems — or even onboard cameras that can read road signs, warning you about speed limit changes or stop signs via dash alerts.
 
  • Automatic Emergency Braking Systems (AEBS). Going a step beyond simpler and possibly distracting collision warning systems, AEBS puts the brakes on rear-end collisions. Sensors continually monitor the distance of vehicles in front of the car. If the system detects that a collision is imminent, it intervenes, assisting with braking if the driver is braking (but not hard enough) or automatically applying the vehicle's brakes if the driver doesn't respond. The National Highway Transportation Safety Administration (NHTSA) reports that up to a third of police-reported crashes involve a rear-end collision.
 
  • Lane Keeping Assist. Some of the leading reasons for lane-drift crashes are driver distraction, illness, and drivers who have drifted off themselves — and are sleeping at the wheel. Lane Keeping Assist raises the bar above Lane Departure Warning systems, which provide audible warnings and are often manually disabled by drivers, by taking corrective action to keep the vehicle centered in the lane.
 
  • Drowsiness Detection System. Building on the technology that powers Lane Departure Warning, Drowsiness Detection Systems monitor how often you drift from your lane, watching for changes in driving patterns that can indicate fatigue or microsleep, the type of sleeping that happens when you doze off momentarily. Microsleep in your recliner at home is safe. When driving, those seconds spent in slumber-land can be dangerous or even deadly. More advanced systems use sensors that watch the driver's face and glance patterns for signs of drowsiness.
 
  • Pedestrian Automatic Emergency Braking. Warning systems that detect pedestrians (or bicycles) are becoming more prevalent but face the same challenge as many onboard warning systems. Audible warnings can be a distraction as you try to figure out what's making that beeping sound — and why. More advanced systems use cameras or radar to detect pedestrians in your path and then automatically apply the brakes if you don't respond quickly enough.
 
  • Traffic Sign Recognition. We've all had some moments of apprehension because we didn't notice a stop sign or a street sign indicating a speed limit change. Fortunately, the new wave of high-tech cars remains ever attentive, and a growing number of vehicles can read the street signs that we might miss and then relay that information on the dash or head-up display.
 
  • Vehicle-to-Vehicle Communication for High Tech Cars. The NHTSA is studying Vehicle-to-Vehicle (V2V) communication, specifically as it relates to two safety systems for cars: Left Turn Assist (LTA), which warns of oncoming traffic when turning left, and Intersection Movement Assist (IMA), which warns if it's unsafe to enter an intersection.2 The NHTSA estimates that these safety systems, powered by cars that communicate with other cars on the road, could save over 1,000 lives per year.
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Increased safety is the goal many of the advanced systems in cars now – and of those planned for the future. But the enhanced vehicle safety can pay dividends in other ways by helping to reduce accidents, sparing costly deductibles, while also keeping your driving record pristine. The safety features of today's high-tech cars are as exciting as they are practical, and automakers are continually innovating to meet consumer demand. When it's time to shop for a new car, ask about its ADAS features, for safety's sake
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choosing safe cars for teens

4/22/2022

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​If your teenager has just gotten a driver's license, it may be hard to imagine handing over the keys to your brand new car, but that may be the smartest vehicle to choose.

However, the Insurance Institute for Highway Safety (IIHS) and the Insurance Information Institute (I.I.I.) say there is something worried parents can do to protect their teens — choose a safe vehicle.
  • Avoid vehicles that encourage reckless driving. Teen drivers not only lack experience, but may also lack maturity. As a result, speeding and reckless driving are common. When you are picking a vehicle for your teen, avoid sports cars or other vehicles with high performance features that could encourage speeding or other reckless driving.
 
  • Do not let your teen drive an unstable vehicle. Sport utility vehicles, especially the smaller ones, are inherently less stable than cars because of their higher centers of gravity. Abrupt steering maneuvers — the kind that can occur when teens are distracted or over-correcting a driver error — can be more likely to cause rollovers. A more stable car would, at worst, skid or spin out.
  • Pick a vehicle that offers good crash protection. Teenagers should drive vehicles that offer state-of-the-art protection in case they do crash.
 
  • Do not let your teen drive a small vehicle. Small vehicles offer much less protection in crashes than larger ones. However, this does not mean you should put your child in the largest vehicle you can find. Many mid- and full-size cars offer more than adequate crash protection. Check out the safety ratings for mid-size and larger cars.
 
  • Avoid older vehicles. Most of today's cars are better designed for crash protection than cars of six to ten years ago. For example, a newer, mid-size car with airbags would be a better choice than an older, larger car without airbags. Before you make a final choice on the car your teenager will drive, consult the U.S. Department of Transportation or the Insurance Institute for Highway Safety.
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The importance of regular car maintenance

4/15/2022

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​Your car is made up of a number of different parts, and like any well-oiled machine, every part needs to be in tip-top shape to run smoothly. If one part starts to fail, it could affect how the whole car runs. There are a number of things you should do to help keep your car maintained, but do you know why performing certain regular maintenance checks on your car is important? From monitoring fluid levels to testing brakes, understanding your car’s needs can help you identify potential issues.

Monitor Car Fluid Levels

Cars rely on a number of fluids to help keep them running properly. While you may turn to your mechanic during routine maintenance visits, it’s a good idea to perform your own checks in between car inspections. Here’s a roundup of some car fluids to keep an eye on in case they run low, or else they could result in your vehicle not functioning properly.
  • Oil. Car engines need oil to lubricate the metal in the engine. If you allow the engine to run out of oil completely, friction caused by metal rubbing against each other could produce unnecessary heat and could make the metal meld together.1 If there is still oil present but it appears to be dirty, consider changing it. Dirty oil is thick and erosive, and any contaminants could start to erode the metal in your car.
  • Transmission fluid. Much like engine oil, transmission fluid helps keep a key part lubricated and functioning properly: the transmission. If transmission fluid runs low, it could result in contaminants forming, and can shorten the transmission’s life.
  • Coolant. Made up of ethylene or propylene and water, coolant helps to absorb heat and pass it through the radiator. Coolant breaks down over time because of the hot environment it lives in. As a result, the lack of coolant’s rust inhibitors could cause rust to form, blocking any cooling paths and overheating your engine.
  • Brake fluid. While brake fluid doesn’t get dirty or evaporate, it can potentially absorb moisture from the atmosphere. Since water boils at a lower temperature than brake fluid, it can lead to air forming in your brake lines.
  • Steering fluid. The power steering fluid helps to make steering easier – if you don’t change it, it could make the steering wheel difficult to turn.

Check Your Tire Pressure and Alignment

If you ever expect to make it from Point A to Point B, you can’t over- or underestimate the amount of air your tires need. Tire pressure that is too high or too low could affect your car’s cornering, braking and stability. When you have high tire pressure, less of the tire touches the ground, affecting your car’s traction and stopping distance. Low tire pressure means more of the tire touches the road; the tires could wear out more quickly and the risk of your tires overheating could increase due to friction against the ground. Check your owner’s manual to determine the recommended tire pressure for your car.

It is also important to check your tire alignment to ensure your vehicle’s suspension is performing properly. Bad tire alignment can cause your car to veer toward one direction or even result in vibrations while driving. If you notice your car has uneven tread wear, your vehicle pulls to one side over another, your straightened steering wheel appears off center or you experience vibration through your steering wheel, you should take your car to a service technician.

Perform Routine Brake Checks

Depending on where your morning commute takes you, driving in areas that feature more stop lights and stop signs could mean you are stepping on the brakes more often than if you normally take the highway. Your brakes are a hydraulic system made up of a set of pads that squeeze together when prompted, and run on brake fluid. If the pads wear too thin, it makes it harder to slow or stop. Your car likely has a service light that would turn on when it’s time to check your brakes, but don’t just rely on that technology; if you see any leaking fluids, notice how thick or thin your pads have become or hear a grinding sound, it may be time to replace your brakes.
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As a car owner, it is your responsibility to regularly maintain your car like you would any other type of property you own. If you ignore your car, it could put your safety at risk.
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Car sAFTEY tECHNology

4/15/2022

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We take it for granted, the automatic way we take the wheel and set out to drive from Point A to Point B expecting to have a smooth, uneventful ride. Since the introduction of the automobile, driving has been a convenience that has transformed our lives. But driving comes with no guarantees of avoiding mishaps, and unseen, unpredictable safety challenges can occur.

Fortunately, in the many decades in which driving has become a given, a number of innovative technologies have been introduced to help make driving a safer experience every time.

It may not exactly be artificial intelligence, but some technologies are able to react to specific situations. Other technologies are like an extra set of eyes to help alert you to potential dangers, and help you to react in time to avoid harm to yourself, your vehicle or those around you as you drive. Here’s a roundup of some of the technologies available to bolster your driving experience.

Reactive and Responsive Features

Adaptive cruise control is the next-generation version of this technology that allows drivers to select and maintain a constant speed without using the accelerator. Adaptive cruise control systems can sense vehicles ahead and adjust your speed to keep a safe following distance. Some (but not all!) systems also incorporate emergency braking to help slow your vehicle to avoid a collision.

Another responsive technology that’s come along are adaptive headlights. Designed to help illuminate the road ahead during turns, adaptive headlights can help improve nighttime visibility on curved roads. As you turn, the lights adjust to illuminate the roadway ahead.

The Anti-Lock Braking System (ABS) has been around for years, to the point that many drivers may not realize this feature is a built-in safety requirement to keep their brakes from locking up when they stop. Even though ABS may not always help you stop more quickly, it can help you maintain control of your vehicle when you stop by preventing your wheels from skidding.

The Ease of Automation

There are some things that technology simply does better than our human limitations allow us to do ourselves. Take, for example, automatic lights. You’re driving into a tunnel. Before you have to flip a switch, the automatic light system in your car turns on your headlights to guide you through the temporary darkness. Once you emerge from the tunnel, the system turns off the lights, eliminating your need for reactive or proactive thinking and helping to keep your focus on your driving.

Likewise, the skillfulness required to park your car can be left to the car itself, thanks to automatic parking systems. Once you have placed your vehicle in a position where the automatic parking system can take over, multiple sensors detect obstacles and calculate steering angles while guiding your vehicle into a parking spot.

When You Don’t Have That 360-Degree View

Obstacle avoidance can be challenging from the driver’s seat, and innovators have taken that challenge seriously with technologies that help. Is there an object behind you? Backup alarms can alert you to it, and backup cameras can help you to see behind your vehicle in spots that otherwise might not be seen. Likewise, blind spot monitoring technology can give you a heads up when another car is in your blind spot. Sensors around your vehicle give you a warning when another car is detected. Depending on the vehicle, warnings can be visual, audible or tactile.

Maintaining control of your vehicle and being prepared for a possible crash have generated other technological advances – both new and tried-and-true. Among the ones to consider:

  • Electronic Stability Control (ESC) has been around since the late ‘90s, and as of 2012 was required in all newly manufactured personal passenger vehicles sold in the U.S. The system can help detect when a skid is about to occur or is occurring, and can help you stay in control by selectively applying the brakes to different wheels.
  • A Forward Collision Warning system may use radar, laser or camera sensors to detect when a crash is imminent. Once detected, the system alerts the driver to take action. Some of these systems are capable of braking automatically and preparing for a crash by pre-charging the brakes and tightening seat belts.
  • Long drives and weariness can make it tough to stay alert. Lane Departure Warning Systems alert you with a warning if you drift out of your lane.
These technologies are changing how we drive and helping to make driving safer. But no matter how amazing these advances are, it is important to remember who is really in the driver’s seat. Drive at safe speeds, watch your blind spots and stay attentive, even if your vehicle has technology designed to help you with these important tasks.
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How to Protect Your Car From Theft

12/1/2021

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Technology has helped to change auto theft in significant ways. Engine immobilizers, audible alarms and vehicle recovery systems have made cars harder to steal and easier to recover. Today’s thefts are often the product of opportunity, with would-be thieves looking for unsuspecting drivers who leave their cars unattended.

While motor vehicle theft rates have declined 42% over the past decade,¹  a car is still stolen every 44 seconds in the United States.² Between 40-50% of thefts are due to driver error,³ including doors that are left unlocked or keys that are left in plain sight.
 
In order to help protect your vehicle from a crime of opportunity, you need to take some preliminary steps to slow down any potential thieves. Try to avoid parking in places where a thief will have time to bypass the ignition system. And even if you are running a quick errand, always lock and set the alarm on your car. Be sure to bring inviting items, including your keys, phone, GPS, laptop, and wallet with you, or stow them out of sight. 

Stow Valuables Before You Park

Many thieves watch parking lots looking for people who leave valuables in their cars.  Stow valuables out of sight before you park so not to attract the attention of thieves.

Park in Plain Sight

Always remember to park your car in a safe and visible location. Thieves will act even in broad daylight if they can find cover. Look for well-lit areas and open, unblocked spaces when you park.

Do Not Leave Your Vehicle Unattended While Idling

Even if you are just making a brief stop, always take your keys with you. Thieves tend to frequent convenience store parking lots and gas stations, where people may leave their cars running and keys in the ignition. During cold weather, it might be tempting to let your vehicle idle to warm up. This makes an inviting target for car thieves.

Hide All Electronic Cords

Avoid unintentional visual tips for thieves, which include leaving chargers for phones and gadgets as well as holsters for navigational equipment in plain sight.

Take Precautions and Make Tracing Your Car Easier

When leaving your car, lock all doors, roll up the windows and remove the keys. If you have one, activate the alarm and set the parking brake. Install wheel locks to prevent theft of wheels and tires. Consider an after-market steering wheel/brake lock if you are in a high-crime area. Having your vehicle’s VIN etched on all windows can also help deter thieves.

If You Believe Your Car was Stolen:
  • Verify that it was actually stolen and not parked or moved by someone else with access to your vehicle.
  • Call the police.
  • If you have a vehicle recovery device or vehicle assistance plan or system, contact the company to activate the locator.
  • Notify your agent or insurance company.
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6 Steps to Take After a Car Accident

10/12/2021

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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.
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5 Questions to Ask Your Car Insurance Rep

6/23/2021

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When it comes to choosing a car insurance policy, many of us let premium price drive our decisions. But cutting corners on cost could leave you underinsured and overexposed to the risks of the road.

Fortunately, it’s easy to strike a balance between affordability and adequate coverage when you have the right information. Remember: your insurance representative is a valuable resource. Asking these five questions before you purchase a car policy can help you get the protection you need at a price you decide is right for you.

1. Do I Have All the Coverage I Need? 
This first answer to this question will depend on the state where you live. At a minimum, most states require liability insurance, which covers the cost of accident-related injury, death, vehicle damage, property damage and legal fees.

Once the minimum requirements are met, ask your insurance rep to explain and recommend additional coverage options best suited for your individual needs.

These commonly include collision, comprehensive, uninsured and underinsurance motorist protection (UM/UIM). Your rep should also explain how each will affect your premium and “out-of-pocket” expenses after an accident.
If you have a lot of personal assets to protect, you may also want to discuss excess liability insurance with your insurance rep. This is a separate, personal liability policy that can kick in to cover costs where your car (or homeowners) insurance leaves off.  
 
2. Am I Getting All the Discounts and Savings I Can? 
The cost of insurance partly depends on the coverages, deductibles and policy limits you choose. It is also based on your “risk rating” — a calculation used to determine the likelihood that you will be making a claim in the future. Factors such as the age, gender, driving record, insurance score and garaging location of the vehicles on your policy will largely determine the price of your premium.

While there is not much wiggle room to affect your risk rating and its effect on the price of your policy premium, there are many discounts designed to help lower premiums.

Savings are commonly found in safe driver, continuous insurance, multi-policy, multi-car and good student discounts for those who qualify. Additional discounts may be available if you are insuring a new or hybrid/electric car, or own a home. How and when you pay can affect your premium, too. Your insurance company may offer discounts if you pay in full, by electronic funds transfer (EFT) or by payroll deduction, as well as if you pay on time.  

Ask your insurance rep to ensure you are getting all the discounts for which you are eligible.

3. What Is Covered if My Car Is in an Accident or Gets Damaged? 
It is a popular misconception that car insurance will automatically cover the replacement or repair of your car, as well as towing or rental car fees, after an accident. The reality is, without the right coverages, you may not have these benefits.

Liability insurance typically pays for damage to another driver’s vehicle or someone else’s property if you cause an accident, and is the minimum coverage required in most states. To cover repair and replacement of your own car, you will need collision coverage for accident-related damage and comprehensive coverage for non-accident incidents, such as theft, vandalism, hitting an animal or storm damage. 

Be sure to ask your insurance rep whether optional coverages like roadside assistance and
 rental reimbursement are right for you.

Another important coverage to discuss with your rep is uninsured/underinsured motorist insurance, which can help pay for damages and medical expenses if you get hit by a driver who has no insurance or inadequate coverage.

If you have a lease or loan on your car, ask your insurance rep about gap insurance, too. This coverage may pay the difference between what your car is worth and what you still owe on it if your car is totaled.

4. What is Covered if My Car Is in an Accident and Someone Is Injured or Dies? 
Protecting drivers, passengers and pedestrians who are injured — or worse — in an accident is a top priority. That’s why bodily injury liability insurance is the most important auto coverage a driver can have, covering accident-related expenses such as hospital and medical bills, lost wages, rehabilitation and legal fees.

While bodily injury liability insurance is a requirement in most states, the minimum level of coverage may not offer adequate protection. Discuss policy limits with your insurance rep before purchasing car insurance. Remember: you will be personally responsible to cover any costs above this limit.
Ask your insurance rep to help you determine your need for additional coverage options and protections, too. Depending on where you live, these can include:
  • Personal injury protection.
  • Medical payments coverage.
  • Uninsured/underinsured motorist coverage.
  • Total disability.
  • Work/income loss coverage.
  • Accidental death benefits.
  • Funeral expense coverage.
  • First party benefits.
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5. What Costs Will I Need to Cover “Out-of-Pocket” if I Am in an Accident?
How much you will pay out-of-pocket for accident-related expenses depends on your policy limits, coverages and deductibles, as well as the specific circumstances of the incident.
If you did not cause the accident, the driver who did — and his or her insurance company — is typically responsible to pay for any resulting damages or injury. However, if the at-fault driver has no insurance or is underinsured, you may be left holding the bill. Ask your insurance rep what you can do to ensure your policy will protect you in this situation, such as adding collision or uninsured/underinsured motorist coverage. 

If you are at fault for an accident, your insurance typically provides coverage for repairs, medical, legal and other related expenses up to your policy limits once you pay your deductibles. For example, let’s say your car is damaged in a covered accident you caused, you have collision coverage with a policy limit of up to $10,000 and your deductible is $2,000.

If the cost to repair your car is $1,500, you will pay the entire $1,500 since it is less than your deductible. If the cost to repair your car is $8,000, you will pay your deductible of $2,000 and your insurer will pay the remaining $6,000. If the cost to repair your car is $12,000, you will pay $4,000 (your deductible, plus the $2,000 above your policy limit) and your insurer will pay $8,000.

To keep monthly premiums low, drivers often opt for higher deductibles and lower policy limits. But if you can’t pay your deductible or accident-related expenses above and beyond your policy limits, you may find yourself in financial crisis. Before purchasing any policy, have your insurance rep go over all the scenarios with you. Work together to create a policy that balances your individual needs with a premium, deductible and policy limit you can afford.
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10 Tips to Reduce Distracted Driving

6/2/2021

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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.
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  1. Stow your phone. Turning off the phone and putting it in “do not disturb” mode can help remove the temptation to browse online at a red light or respond right away to a text message.
  2. Vow not to multi-task. Anything that occupies your mind or vision can be a distraction behind the wheel. Make time at home to eat meals or put on makeup, so you can focus on the road.
  3. Don’t be a distraction. Avoid calling or texting family members and friends when you know they are driving to avoid distracting them.
  4. Talk to your employer. Responding to texts or taking calls for work while driving can be dangerous. Encourage your employer to have a distracted driving policy that includes waiting to talk with employees until they are safely parked.
  5. Keep kids and pets safe. Make sure kids are in proper car seats and that pets stay secured in their zone in the back of your vehicle. It can also help reduce distractions if pets are not roaming about the car.
  6. Set a good example. Parents can model good behavior for their children by demonstrating attentive driving. Avoid texting, eating, grooming or calling someone while behind the wheel.
  7. Plan your route before you go. Programming your navigation system while you drive can take your eyes off the road. It’s better to ask a passenger to do it or to enter your destination before you leave home.
  8. Speak up. If you see someone texting or otherwise driving while distracted, say something and let them know that you are not comfortable with that behavior. Encourage your children to do the same when they are passengers in a friend’s car. It could save a life.
  9. Set rules of the road. Consider restricting the number of passengers until your teen or new driver gains experience behind the wheel.
  10. Avoiding reaching. Resist the urge to reach for items if they fall while driving.

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. 
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5 Tips for a Great At-Home Car Wash

5/18/2021

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How clean is your car? If you don’t wash it regularly, you could end up with costly maintenance and safety issues. 
You might occasionally run your vehicle through a car wash. But there are benefits to doing the job yourself — including preserving the paint and being able to get into every nook and cranny.
Ready to get started? Follow these five tips to wash your car thoroughly and correctly.
  • Wait for the right weather.

    Instead of washing your car on a sunny day, wait for overcast skies or park in a shady area. Direct sunlight can dry the soap too quickly, leaving streaks and spots behind. 

  • Work from top to bottom.

    Hose off your car first, and then use a soft sponge to apply auto shampoo. Starting at the top, wash and rinse your vehicle in sections such as the roof and windows, rear, sides and front. When you get to the front, take a rag and wipe down your windshield wipers. 

  • Don’t forget the wheels and undercarriage.

    Your wheel wells and bottom framework can collect dirt, grime and debris. Use a scratch-proof brush and a gentle cleaner for these areas.

  • Dry with a microfiber or chamois cloth.

    Letting your car air dry will leave streaks. Seal in the hard work you just did by carefully hand drying the exterior and windows.

  • Finish with wax.

    This extra step gives your vehicle a cleaner finish, protects against the elements and makes it easier to clean next time.
A clean car is a comfortable car, and a well-maintained one retains its value longer. Do you have questions about your auto insurance policy? Reach out anytime.

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    ​Davidson Calfee is the Owner and President of Operations, overseeing overall portfolio management, agency relations and new business generation.  He has a natural ability to manage complex situations and achieve outstanding results for his clients.
     
    Calfee is constantly looking for ways to improve professionally and has worked diligently to revamp his team’s handling of the needs and expectations of his clients. 
     
    Calfee specializes in developing, designing and implementing complex property catastrophe insurance programs for his clients.  His market knowledge and client service skills have made Calfee a sought-after property resource for Massachusetts coastal residents.
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    This blog is intended to promote local events, businesses & non-profit organizations through out our network.  


    Our mission is to promote our clients and help them connect AND build longstanding relationships with members of the local community.

    The Arthur D. Calfee Insurance Agency, Inc., is a 2nd generation, family run insurance agency with offices located in Falmouth & North Falmouth, Cape Cod, MA.  Arthur began the business in 1980 out of his house, then soon grew to serving over 3,000 people in the area.  The agency can offer various competitive Car, Home, Business, Disability & Life Insurance policies.  Over the years, the agency has built strong relationships with various insurance companies to offer the most competitive policies in the region.  They work with such companies as Arbella, Safety, Encompass, UPC, Plymouth Rock, Travelers, Preferred Mutual, CNA, Lloyds of London, Scottsdale, Lexington, & MPIUA just to name a few. 

    Davidson Calfee, President of Calfee Insurance grew up in the insurance business by working part-time in the family business.  

    He obtained his bachelor of science degree and became the Alumni Class Director at the Conrad N. Hilton College of Hotel & Restaurant Management at the University of Houston, TX.  Davidson learned quickly about flood insurance after the  2001 Tropical Storm Allison in Houston when the entire city was under water.

    After college, Davidson completed his Marketing Management Training Program at the Isle of Capri Casino Resort & Hotel located along the Gulf Coast in Biloxi, Mississippi.  Then Davidson learned more about the insurance industry when Hurricane Katrina hit the Gulf Coast in September, 2005.

    Learning from his past experiences with natural catastrophes, Davidson grew a natural passion to help his home town Cape Cod residents understand insurance and it's complexities.

    Quickly settling on Cape Cod after the Katrina, Davidson became the Founding Chairman of the Falmouth Young Professionals, President ofBNI - Team Advantage, Treasurer of the Falmouth Education Committeeand the Director of Automation with the Cape Cod Insurance Agent's Association.  In the past, Davidson has held positions such as the Ambassador to the Conrad N. Hilton College, the Falmouth Chamber of Commerce and the Canal Region Chamber of Commerce.  

    In 2012, the Falmouth Chamber of Commerce voted him on to theirBoard of Directors.  The Falmouth Community Television Stationawarded Davidson with their prestigious "Volunteer of the Year" award during their Annual Dinner for many events & special productions including The Village Green, Live Election Coverage, Young Professional Television and special government meetings, to name a few. 

    Arthur D. Calfee, Davidson's father and founder of Calfee Insurance, has 50 years of experience in the insurance industry. 

    He worked in the Boston claims office of the Boston Old Colony Insurance Company from 1960 to 1966, when he moved to Falmouth. 

    After 14 years working for a local agency, Art opened his own agency in 1980. 

    In 1988 he purchased the Everitt W. Noyes Insurance Agency in North Falmouth. 
    In 1990 he purchased the Gordon W. Bryden Insurance Agency and merged it into the North Falmouth office. 

    Today the agency's Falmouth and North Falmouth offices serve the insurance needs of more than 500 businesses and more than 3,500 individuals throughout Massachusetts and beyond.

    In 1997 Art was named the town's "Outstanding Citizen of the Year" by the Falmouth Chamber of Commerce" for many years of dedicated service, leadership and achievements that have made Falmouth and Cape Cod a very special place to live," an honor recognized by citations from the State Senate and House of Representatives.  Arthur has also received similar community awards such as the Falmouth Heritage Award. 

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    Proudly doing business in the following Cape Cod, Massachusetts towns and villages: Barnstable, Bourne, Brewster, Buzzards Bay, Centerville,
    Chatham, Cotuit, Craigville, Dennis, Eastham, Falmouth, Harwich, Hyannis, Hyannisort, Marstons Mills, Mashpee, Orleans, Osterville, Provincetown,
    Sandwich, Truro, Wellfleet, Woods Hole, Yarmouth, Yarmouthport  
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Arthur D. Calfee Insurance Agency, Inc. is a friendly local insurance agency proudly offering Massachusetts, Cape Cod and the Islands.  A-Excellent AM Best rating, A+ Excellent by the BBB
Using innovative thinking, cutting-edge tools and expert resources at national and local levels, we deliver the best possible outcome on every policy we manage.  Need Home Insurance?  Easy, Fast, & Secure Home Insurance.  Get Free Quotes 100% Online Now!  Available 24/7.  Affordable Rates.  Cover Your Biggest Investments.  Get a homeowners insurance quote, find coverage options.  We'll help you understand and customize the right home insurance coverage for you. 

​Home is where your heart is—along with a healthy chunk of your net worth. Get started today with a free homeowner's quote. 

Compare home insurance quotes today and save on protection for your biggest investment. Build a Custom Policy & Make the Switch! Our local underwriting professionals focus exclusively on finding the best home insurance, homeowner's insurance, hazard insurance, investment property insurance, flood insurance, flood zone information, vacation home insurance, second home insurance, auto insurance, collector car insurance, business insurance, general liability insurance, property insurance, professional liability insurance, contractor's liability insurance, worker's comp insurance, key man insurance, whole life insurance, term life insurance, group or personal disability, & long-term care insurance policies to patrons in the following Cape Cod, Massachusetts towns, communities and villages: Barnstable, Bourne, Pocasset, Brewster, Buzzards Bay, Centerville, Chatham, Cotuit, Craigville, Dennis, East Dennis, Eastham, Falmouth, East Falmouth, Hatchville, West Falmouth, North Falmouth, Woods Hole, Harwich, Hyannis, Hyannisport, Martha's Vineyard, Nantucket, Marstons Mills, Mashpee, Orleans, Osterville, Provincetown, Sandwich, Sagamore, Sagamore Beach, Truro, Wellfleet, Yarmouth, and Yarmouthport.  Real-Time Pricing. Insurance coverage: Wind Damage, Fire Loss, Water Damage. Protect your home and belongings. Low Rates For Your Best Options to Save Money On Great Coverage! Get a quote today. Home insurance helps protect your house and your family. 

Testimonials & Endorsements for the Best Insurance Agent on Cape Cod, MA


CAPE COD MASSACHUSETTS HOME INSURANCE

Arthur D. Calfee Insurance Agency, Inc.


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​Please note: The above is meant as general information to help you understand the different aspects of insurance. This information is not an insurance policy, does not refer to any specific insurance policy, and does not modify any provisions, limitations, or exclusions expressly stated in any insurance policy. Descriptions of all coverages and other features on this page are necessarily brief; in order to fully understand the coverages and other features of a specific insurance policy, we encourage you to read the applicable policy and/or speak to an insurance representative. Coverages and other features vary between insurers, vary by state, and are not available in all states. Whether an accident or other loss is covered is subject to the terms and conditions of the actual insurance policy or policies involved in the claim. References to average or typical premiums, amounts of losses, deductibles, costs of coverages/repair, etc., are illustrative and may not apply to your situation. We are not responsible for the content of any third-party sites linked from this page.
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