Posted on 4/10/2017 9:47 AM By Keith Savino
Ahhhh Spring! Finally, the snow and salt are gone, the car has been washed and waxed and after weeks of Netflix marathons, you are ready to head out to the open road. You cannot wait to push the accelerator, tune into your favorite songs and feel the wind in your hair.
Watch out! Beware the big orange cone!
Spring means many things, the robins return, the ice cream shops re-open and road crews are blocking lanes. It is a necessary evil. Winter can be brutal with potholes popping up, corrosion of overpasses and bridges, and erosion in safety lanes. The roadways need to be fixed for your safety and mine and many road crews put their lives in your hands when they step out onto the asphalt.
But on a recent trip, I happened to notice that many drivers are ignoring or forgetting some of the rules, regulations, laws and common sense learning that coincides with “sharing the road.”
So, a quick refresher on road safety inside and outside of work zones:
*THE PROBLEM OF POT HOLES: Just a few inc ...
Posted on 3/13/2017 5:08 AM By Rich Savino
When you notice them on the road, they really are a sight to behold. Sitting at a stop light, waiting for your turn to proceed, you look over at the driver in the lane next to you and there isn’t any one at the wheel of the car. You cannot help but do a double-take. Select states in the U.S. are currently testing sites for the autonomous car program including Nevada, Arizona and California, and there are plans to have the technology, sticker price and state laws in place to roll out to consumers by 2030.
Americans have been slow to warm up to the idea of surrendering the steering wheel. AAA released a poll this week that stated 78 percent of Americans are afraid to ride in a fully driverless car.
Between Jan. 5th and 8th, 2017, AAA interviewed 1,012 randomly selected adults via phone to gauge attitudes toward driverless cars. According to their responses, the AAA concluded that 78 percent of Americans are afraid to ride in a self-driving vehicle, while 19 percent would trust the vehicle. Only 10 ...
Posted on 2/21/2017 11:04 AM By Keith Savino
In the last week, the weather has been delightful. 60 degree temperatures and sunshine over the holiday weekend have resulted in the snow melting and the ground becoming muddy and saturated. Soon spring rains will come and add more water to the mix.
The only unfortunate aspect of the spring thaw is that it is also Flood Season. The months of March, April and May are usually the months that the insurance industry receives the most claim filings for flooding. And per the National Flood Insurance Program, 25% of claims are filed by people who live outside of high risk areas. Between 2010 and 2015 the average flood claim in the United States was over $51,000. A few inches of water in your basement, garage, first level of your home can lead to thousands of dollars’ worth of damage and repair.
Below are the special risks that present themselves in spring.
Thaw - April showers bring May flowers … But those showers can sometimes be heavy rain. There is at least ...
Posted on 2/13/2017 8:01 AM By Rich Savino
For High School Seniors, February and March are usually crunch time for making decisions on where they will be spending the next four years of their lives. If they are college bound, they will be heading to their new campuses in less than six months.Per the National Center for Education Statistics, 20.7 million students are expected to enroll at universities in the United States, for September 2017, 13.3 million will be living away from home studying and attending at four year colleges. Now is the time for choosing a college, finding a residence hall, looking for compatible roommates, chasing financial aid, and making endless lists of everything you will need to remember before you drop off your child and wave goodbye.
But something to keep in mind and add to that endless list of things to do in the next few months; think about college and how it effects your insurance.
1. AUTO INSURANCE – Whether your child takes his car to school, or leaves it home, it is always a wise idea to keep your c ...
Posted on 1/30/2017 11:24 AM By Rich Savino
Per the most recent statistics from the FBI, there were an estimated 7,993,631 property crimes, nationwide in 2015. 21% of those were home break-ins. The number fluctuates by year, but has steadily escalated over the last decade.
Closer to home, certain neighborhoods in Warwick have seen a recent rash of thefts in January 2017, from snowboards stolen from the back of Jeeps in driveways; to break-ins of sheds and garages. Locally the area is experiencing an uptick in property crime and theft of consumer goods. Warwick Police have indicated that these types of crimes can often be drug related, reselling hot merchandise for quick cash.
Beyond guard dogs, deadbolt locks, outside motion sensor lights or more expensive security such as the Slomin Shield and Honeywell, how can you protect yourself from having your home and property burglarized (without breaking the bank)?
Historically, homeowners often invested in a central monitoring home security system such as ADT. The process involved:
Posted on 1/16/2017 8:00 AM By Keith Savino
They seem so innocuous. Lining the walls of your home, blending into the rooms like pieces of the furniture. The only time you notice them is when you must plug in or unplug an appliance. Electrical outlets seem like such a low maintenance aspect of your home. Dust them occasionally when cleaning the floors and you are good to go.
Let’s try an experiment. BING the the term, “Electrical Outlet” and look under the NEWS headings. Astonishing, the amount of news stories appearing that deal with fires and fatalities determined to be caused by electrical outlets.
The Fire Department of New York released a report on 1/9/17 stating that: “The Highest Cause of Fire Deaths in 2016 was “electrical”. Per the department's statistics, 14 of the 48 fire-related deaths in New York City last year were due to electrical issues. Overworked, under-maintained sockets or power cords were to blame for the fatalities.***
So, how do you keep from having your home become a statistic? Th ...
Posted on 11/21/2016 8:01 AM By Rich Savino
In a few days, some of you will be taking to the highways to head home or maybe on vacation for the Thanksgiving Holiday. Others will be preparing meals for guests or deep frying turkeys in vats of peanut oil. There is a lot of activity happening in most people’s lives in the next week and although we look forward to the festive feasting and fun aspects of the holiday, safety-wise and statistically there are a few things that you will need to look out for:
TIME TO MAKE THE TURKEY – According to the American Red Cross, cooking fires nearly double on Thanksgiving Day, occurring more than twice as often as on any other day. Maybe it is because turkey is not something that is on our weekly menu and it needs special handling. Maybe it is because we often have so much to do to prepare for our feast that we are distracted while cooking. But whatever the reason, the last thing you want is an emergency room visit, or a house fire on the holiday. So here are some common-sense holiday cooking ti ...
Posted on 11/18/2016 11:19 AM By Keith Savino
You feel so very violated. You arrive home after a wonderful weeklong “de-stressing” vacation, park the car in the driveway, turn the key, open the door and step inside. Suddenly you realize that something is a bit askew. Nothing is where it should be.
And then you realize it. You have been robbed.
You don’t understand it. You stopped mail and newspaper delivery, had automatic timers placed on the lights and asked your neighbor to mow your lawn while you were gone, why did this happen? You did everything the checklist on the "Safety Tips Website" told you to.
Most thieves are not stupid. They read the same “Safety Tips” lists that you do. They know what you are thinking. Often, modern thieves do not pick a house at random. They have been scoping out the neighborhood long before you were the chosen one and they did their research before they decided to give you the honor of their breaking into your home.
Preparing to NOT be a victim happens long before you pack ...
Posted on 11/14/2016 8:01 AM By Rich Savino
Two of the saddest and most disturbing statistics I have ever read:
According to a recently released report from the National Highway Traffic Safety Administration:
1. Traffic fatalities in the Continental U.S. were up 10.4 percent in the first six months of 2016 over the same time period in 2015.
The assumption is that if there is an increase in fatalities, it exists as a direct correlation to an increase in driving. But the number of vehicles on the road only rose 3.3 percent during that period. And state highway officials dismiss the association. Having more cars on the road does not necessarily lead to more crashes. Crowded roads can sometimes have the exact opposite effect by forcing drivers to pay closer attention to what is happening around them. Most people are unaware of the fact that accident rates on country roads are statistically higher than city avenues.
2. Even more shocking is the 18 percent rise in traffic fatalities over the comparable 2014 statistics.
Posted on 11/7/2016 9:02 AM By Keith Savino
You cannot flip through the newspapers, listen to the radio or scroll through online headlines without hearing about, this organization or that business being hacked or having their computers infiltrated by a virus. Even with amazing anti-viral software, installed firewalls and constant software updates, Hackers are always changing it up, so that what is protected yesterday is vulnerable today.
So, with the constant cat and mouse game that seems to exist in the virtual world, how exactly do you know if your computer has been hacked or is experiencing a virus?
Here are some tell-tale signs:
1. Fake antivirus messages- We have all experienced it. To click onto a website and suddenly you receive the dreaded Fake Antivirus Warning Message. Once you see this message the damage has been done. Clicking “No” Or “Cancel will not stop the process, your system has been exploited.
2. Your Computer Seems to Be Going Nowhere: The fan is on, the disk is spinning away, but nothing’s happen ...