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Summer Kid Safety Tips

Summer is a time for relaxing and fun, but all that can be ruined if one of your children are injured. It is important that you take the necessary safety precautions to ensure your summer is unforgettable for the right reasons.

  • Avoid tick bites by dressing your children in protective clothing and putting tick, insect, and bug repellant where skin is exposed. Also, try to keep your child away from overgrown grassy areas. After outdoor fun, you should perform a tick check on each family member in your home.
  • If your child will be using a bicycle, scooter, skates, rollerblades, skateboard, or any other fun riding equipment, be sure to follow helmet safety. Be a good example and wear a helmet yourself! They protect us from serious head injuries.
  • Be sure to practice sun safety. Dress your children in protective clothing and apply a sunscreen with an SPF of at least 15. Sunscreen should be reapplied throughout the day.

Contact the insurance experts at Save-On Insurance Services for all of your Los Angeles health insurance needs. We are available around the clock to answer any and all of your questions.

 

Documents You’ll Need After An Accident

No matter how prepared you are, getting in an accident is a traumatizing experience that leaves you feeling stressed and overwhelmed. The best way to ease these worries is to prepare yourself for the unexpected so that you will be able to focus most of your time and energy on reliving the trauma. Compiled is a list of the essentials you should have in your car so that you will be better prepared if an accident were to occur:

  • Proof of Insurance – If you keep your insurance card with you or in your car, you’ll save the hassle of trying to prove you are insured. This will also help you avoid any penalties if you are pulled over for a traffic violation.
  • Vehicle Registration – You should have a physical copy of your vehicle registration in your car at all times. Like your insurance card, failure to provide proof may result in a fine by the DMV.
  • Accident Preparedness Kit – Have a camera, pen, and paper ready to take down the other driver’s license plate number, driver’s license number, make and model of the car, and auto insurance policy and company information.

Contact the insurance experts at Save-On Insurance Services for all of your Los Angeles auto insurance needs.

 

Would I Benefit From An Umbrella Policy?

An umbrella policy offers additional protection for expenses that exceed your standard homeowners and liability insurance policies. The extra protection offered through an umbrella policy is relatively inexpensive and well worth the extra expense. Once you do the math, you’ll realize adopting an umbrella policy will only cost you about a $1 a day. Lawsuit numbers are on the rise and having an umbrella policy can help you avoid the hassle of dealing with a liability lawsuit that leaves you in financial ruin.

If you answer yes to any of the questions below, you would benefit from an umbrella policy:

  • Are your assets greater than my insurance liability limits?
  • Are you financially responsible for any children?
  • Do you own a Jacuzzi or pool?
  • Do you own a watercraft or off-road vehicle?
  • Do you own a rental property?
  • Do you invite guests into your home frequently?

Contact the insurance experts at Save-On Insurance Services to add an umbrella policy to your existing insurance coverage. We are available around the clock to help assess whether or not you would benefit from an umbrella policy.

What a Basic Auto Insurance Policy Covers

Every state in the US mandates that car owners have insurance if their vehicles are to be driven on public roads. For most people, it’s worth it to buy more types of auto coverage than is mandated, but for some, the minimum is enough.

What do get with the most basic coverage? The laws in each state are slightly different, but a basic auto insurance policy will typically cover liability for bodily injury and property damage. Coverage for your own medical expenses if you are injured in an accident is also common, though this part can be waived in some states if you already have a health insurance policy that covers such things.

The main thing to keep in mind is that the coverage on a basic car insurance policy covers your liability to other people. It doesn’t cover your own expenses for fixing your car, and unless you have the personal injury protection (PIP) component, it won’t cover your own injury expenses. Therefore, you may want to add more coverage types, such as collision and comprehensive, to beef up your policy.

For more information about auto insurance in California or to get a quote, please contact Save-On Insurance Services in Los Angeles.