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All Posts in Category: Safety

New Year Resolution

7 Tips to Help Your New Year’s Resolution Stick

New Year ResolutionAs the year winds down, people will be making New Year’s resolutions—and lots of them. This year, many Americans will make a New Year’s resolution to get fit, stop smoking, learn French, stress less and onward and so on.

And yet…

Anyone who has witnessed a crowded January gym slow to a trickle by February knows that many resolutions just don’t stick. Some studies have reported that as few as 8 percent of people actually succeed in keeping their resolution.

So, how can you be among the few who see their promise through? Here are a few ideas to make it go right.

TIPS FOR KEEPING YOUR NEW YEAR’S RESOLUTION

  • Make a mini resolution. Who says you have to run a marathon or model your home after Martha Stewart’s? There’s nothing wrong with making less ambitious, but more achievable, goals like running a 5K or organizing your most out-of-control closet.
  • Be specific. Lots of people fail because they make resolutions that are too general or too difficult to measure. Examples include “get healthy” or “spend more time with my spouse.” Instead, vow to “Walk an extra 20 minutes every day” or “Schedule a weekly date night with my spouse.”

    Related: 5 Quick Ways to Make Your Home Safer This Year 

  • Plan, plan, plan. Maybe you have a big goal like “start a business.” If so, you’ll have more success if you plot out the many steps it takes to make it a reality. Buy a goal-setting journal or download an app to break down your plan by month, week and day. (And if you do want to start that business this year, learn more about business insurance – it’s essential for protecting your investment of time and money.)

    Related: A Simple Guide to Business Insurance for Startups and New Businesses

  • Take it public. Some people feel that they’re more likely to keep a New Year’s resolution when they tell others. Still, others prefer to keep it private – and that’s OK! If you’ve been keeping your resolution to yourself the past few years but haven’t seen results… consider giving this strategy a try.
  • Find a buddy. A friend who shares your New Year’s resolutions can provide a massive dose of motivation.

MORE ADVICE FOR THE NEW YEAR

Want to take a different approach? Then you might consider some unconventional methods to your resolution.

  • Consider a disincentive. On Stickk.com, you can have your credit card charged each time you fall short of your goal. You can direct the money to go anywhere — but you might consider sending it to an organization you detest. (Two ideas include a political party you’d never support or a university that’s the arch rival of the one you attended.)
  • Make a resolution to enjoy and protect what you already have. Perhaps you recently invested in something big, like a new home or a renovation project. If so, take the time to enjoy what you already have before thinking ahead to the next thing you need or want.

That’s where it helps to have the right insurance. After all, insurance is designed to protect the things you’ve worked hard to achieve and that matter most to you.

At Erie Insurance, we have a genuine enthusiasm for our customer’s successes. Whether you’re renovating your home, starting a family or changing direction in life, we’re eager to offer our encouragement and expertise.

See what makes our home insurance different
 or find a local ERIE agent in your neighborhood who can give you a customized quote.

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Hurricane-Insurance

Hurricane Florence – Be Prepared

Hurricane Florence has the potential to bring heavy rains and high winds to coastal areas starting Thursday evening, with the chance of inland flooding for North Carolina and Virginia. Both states have declared a state of emergency.

If you experience a loss covered by your policy and need to file a claim, Erie Insurance and your Agent are here to help.

We encourage you to stay off the roads during heavy rains and follow these tips to reduce damage and stay safe during the storm:

• Bring in garbage cans, lawn furniture, bikes, toys, hanging plants and lawn decorations. If possible, remove the swings on your child’s swing set to prevent unnecessary damage.
• Move furnishings and valuables to the highest point in your house.
• Keep a supply of flashlights and extra batteries handy in case of loss of power. Avoid open flames, such as candles and kerosene lamps, as a source of light.
• If you lose power, turn off all major appliances to avoid a power surge when the power is turned back on.
• Do not drive or walk through standing water. Water can be deeper than it appears, and two feet of water can sweep away most cars and six inches of moving water can sweep you away when walking.

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Find more helpful tips on erieinsurance.com:

What to do Before, During and After the Storm

Preparing for a Flood and Lessening Water Damage

How Named Storms Affect Your Insurance Coverage

Video: What We Learned from Hurricane Katrina and Affected Cars

*Note: New insurance and certain changes to existing insurance may not be available when there is a known threat of severe weather or in the immediate aftermath of a severe weather event. Talk to your Agent.
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Should you experience damage from a storm that is covered by your insurance policy and wish to file a claim, please contact your ERIE Agent. For claims service during evenings and weekends, call (800) 367-3743.

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Business Risks

4 Overlooked Business Risks Covered

The success of any business depends on hard work and ingenuity. Should disaster strike, business insurance helps protect the effort and money you’ve invested in your business. But because businesses are so diverse, you should consider a variety of optional coverages too. These extras are added to your business insurance policy as endorsements. Here’s how endorsements can help cover four common business risks.

1. Data breaches: Any business that has personal or medical information about its customers, tenants or employees is at risk for a data breach. Most states have breach notification laws that not only require a business owner to inform any affected individuals (customers) of a data breach but also specify the manner and period in which the business owner must inform customers. Here are coverages you may want to consider:

  • Data Breach Response ExpensesIt could cover the expenses you incur when notifying affected individuals of a breach per state laws.
  • Data Breach Liability Coverage: It could cover damages that you are legally obligated to pay when your customers’ nonpublic personal information that is lost, stolen or accidentally released is used fraudulently. It also covers the cost to defend lawsuits seeking damages.

2. Employment practices liability: These days, hiring, firing and day-to-day employee management can be risky business. You’d like to think that your employees would never dream of filing a claim or suit against you or your business for discrimination, wrongful termination, harassment or sexual harassment. Unfortunately, it does happen. Responding to claims or suits like these will require time and money.

With Employment Practices Liability Coverage, you will not have to face an employment claim on your own. It can help protect you against liability damages and cover defense costs.

3. Professional liability: You’re expected to have technical knowledge or training in a particular area of expertise or perform certain services according to the standards of your profession. If you fail, you could be held responsible for any harm that you caused to another person or business. Professional liability coverage can provide you with protection for claims arising from negligent business or professional practices.

4. Identity theft: As a small business owner, your personal credit may be tied closely to your business. Having your own identity stolen, could jeopardize your credit and affect your business operations. ERIE’s Identity Theft Recovery coverage can be added to a business insurance policy and provide coverage1 for:

  • Certain legal fees, such as those incurred while defending any civil suits brought against you by creditors or collection agencies.
  • Lost wages.
  • Credit reports and postage, phone and shipping fees related to resolving identity theft and fraud.

Your business needs protection provided by a company and insurance adviser that you can trust.

Similar Erie Insurance May Articles

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DistractedDriving2018

Can You Guess Our Biggest Driving Distraction?

Of the more than 172,000 people killed in car crashes over the past five years, one in 10 were in crashes where at least one of the drivers involved was distracted. These statistics come from data analyzed by Erie Insurance housed in the Fatality Analysis Reporting System, a nationwide census of fatal motor vehicle traffic crashes maintained by the National Highway Traffic Safety Administration. Erie Insurance consulted with the Insurance Institute for Highway Safety in its analysis.

But distracted driving doesn’t just mean being distracted by your cell phone.  ERIE’s analysis found daydreaming or being “generally distracted” (being inattentive, careless, or distracted–details unknown) or “lost in thought” was the number one distraction associated with fatal crashes. (See the infographic below for the full top 10 list.)

“Some people see driving as a time to relax and unwind and let their minds drift off, but that’s actually one of the worst things you can do,” said Jon Bloom, vice president of personal auto, Erie Insurance. “Most people know about the dangers of texting while driving, but daydreaming while driving is an almost invisible distraction – people do it automatically without even realizing the risk.”

The Erie Insurance analysis of police data from 2012-2016 showed the majority of drivers who were distracted were “generally distracted” or “lost in thought.” In fact, police report that 61 percent of distracted drivers were daydreaming at the time of a fatal crash, compared with 14 percent of drivers who were distracted by cell phone use.  Erie Insurance did a similar analysis five years ago and revisited the data to see if the types of distractions had changed over the years. The analysis found the distractions were largely the same.

HERE ARE THE TOP 10 DISTRACTIONS INVOLVED IN FATAL CAR CRASHES:

Distracted Driving 2018

Bloom said that because FARS data on distraction is based largely on police officers’ judgment at the time of the crash, and because people involved in a crash may be reluctant to admit to distracted driving behaviors when being interviewed by police, the numbers are difficult to verify. And they may, in fact, under-represent the seriousness and prevalence of driving distractions.

 

CAUGHT IN THE MIDDLE OF A DAYDREAM?

To help drivers avoid daydreaming while driving, Erie Insurance reached out to Paul Atchley, Ph.D., an internationally recognized cognitive behavioral researcher. Atchley has studied distracted driving and worked with numerous national safety organizations to reduce it.

“One effective strategy to counteract daydreaming is to keep your mind alert with so-called passive forms of engagement, like listening to a radio show or a podcast,” Atchley said. “The beauty of passive engagement is that your mind will automatically tune it out when it needs to. So, if something out of the ordinary suddenly happens in your environment, your brain won’t even hear what’s on the radio anymore. It will be fully focused on the task at hand.”

Dr. Atchley cautioned against listening to a playlist of songs you’ve heard again and again, which is not recommended. Listening to something too familiar could actually encourage your mind to drift off.

Atchley offers these additional tips to help drivers keep their attention on the road:

  • Don’t replace boredom with a distraction. For example, never send or read a text to alleviate boredom. Instead, play verbal road games that help you focus, like “I Spy.” Make it even more effective by saying “I Spy a Distracted Driver” which will help your mind focus even more on the road and defensive driving.
  • Keep your hazard perception skills sharp. This means knowing where to look on the road ahead and watching for situations that may require you to take an action, such as changing speed or direction. Examples include a car entering an intersection or a pedestrian crossing the road.
  • Consider carpooling with another experienced driver. Just as professional truck drivers sometimes enlist a partner to share the driving duties, Atchley says having a co-driver can also work for everyday people. Another experienced driver sitting in the passenger seat next to you can serve as a second set of eyes.And, engaging in light conversation while you’re both looking at the road ahead can help keep your mind alert.

April is dedicated to Distracted Driving Awareness. It’s important to think about all the ways we can be distracted while driving all the time.  “We’re always looking after our Customers; we want to not only insure their cars but also protect their lives,” said Bloom, “so that’s why we’re drawing attention to the dangers of distracted driving, including driving while daydreaming.”

https://www.erieinsurance.com/blog/distracted-driving-study-2018

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IIHS-Safety

IIHS Safest 2018 Cars

Thinking about shopping for a new car? Then you’ll want to check out what vehicles are considered the safest to buy.

https://www.erieinsurance.com/blog/iihs-safest-2018-carsFrom small cars and sedans to SUVs and large luxury vehicles, you’ll find 62 of the 2018 models deemed safe by the Insurance Institute for Highway Safety (IIHS).

Each year the safety experts at the nonprofit research and education organization determine which vehicles do the best job of protecting people in the most common kinds of crashes—front, side, rollover and rear—based on ratings in IIHS evaluations. The current list of award winners is smaller than usual because IIHS raised the bar on its test criteria, adding passenger-side crash tests and headlight ratings to their list of considerations.

No minivans, pickups or minicars earned the highest award, Top Safety Pick+, and just 15 vehicles qualified, having good-rated headlights and good or acceptable passenger-side protection in small overlap front crashes. Models from a wider range of vehicle types—47 in all— earned the second-tier award, Top Safety Pick, but no minicars made the cut in that category either.

Hyundai and Subaru lead the way
Leading the pack of manufacturers of the 15 Top Safety Pick+ vehiclesare Hyundai Motor Company, which owns the Hyundai, Kia and Genesis brands and has six awards, and Subaru, which has four. Mercedes-Benz has two, while Toyota, BMW and Ford Motor Company have one each.

Small cars

Kia Forte sedan

Kia Soul

Subaru Impreza (4-door sedan | 4-door wagon)

Subaru WRX

Large luxury cars

BMW 5 series

Genesis G80

Genesis G90

Lincoln Continental

Mercedes-Benz E-Class sedan

Midsize cars

Subaru Legacy

Subaru Outback

Toyota Camry

Midsize SUVs

Hyundai Santa Fe

Hyundai Santa Fe Sport

Midsize luxury SUV

Mercedes-Benz GLC

 

The frontrunner among the 47 second-tier award winners is Toyota Motor Corporation with 10 vehicles. Hyundai is the runner-up with nine.

IIHS has awarded Top Safety Pick honors to qualifying vehicles since the 2006 model year. It adjusts the list of winners throughout the year as it evaluates new models. Learn more about the vehicles that are in the winner’s circle by watching the video above or reading the source article at iihs.org.

How to get a quote and avoid car insurance rate hikes
If you’re shopping for a new car, you’ll also need car insurance. You may want to get an auto insurance quote now or check out these helpful resources:

An insurance professional like an Erie Insurance Agent in your community can provide you with more information about auto coverage.

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Holiday Up in Flames

Don’t let a fire take the merry out of your holidays.

The Holidays are a time of year to enjoy friends and family, but sometimes they don’t always go as planned. Don’t believe us? Check out this experiment we did with our Erie, Pennsylvania, City of Erie Fire Department.

ERIE staged a fire in a vacant home which showed how a Christmas tree fire can fill a room with toxic smoke in just 30 seconds and burn down an entire living room in one minute.

“Many people love their Christmas decorations and choose to leave them up for a few weeks after the holiday, but when it comes to a dried-out live Christmas tree, that’s a dangerous risk to take,” said  Gary Sullivan , vice president of property and subrogation claims, Erie Insurance. “We want families to enjoy the post-holiday season safely; we don’t want them to be displaced from their homes due to a fire, or even worse, caught in a life-threatening situation.”

Recent national reporting done by the National Fire Protection Association showed Christmas trees resulted in an annual average of seven civilian fire deaths, 19 civilian fire injuries and $17.5 million in direct property damage during a four-year period. Make sure to take care of your tree to ensure a safe and happy holiday.

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