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Stay safe on flooded roads and avoid auto insurance claims - see Ewing, Hines & Associates, Kensington, MDWe have certainly had our share of rain-soaked days in the mid-Atlantic region lately, and flooded waterways, roads and homes are the result.  Local flooding happens when rainwater accumulates faster than it can either be carried away or absorbed by the soil.   Once the ground becomes saturated, then prolonged rain falling over several consecutive days or intense rain falling over even a short period of time, will typically overflow rivers and streams onto the surrounding area. 

Flash Flood Driving Risk

When a very large amount of rainfall occurs quickly as in a downpour or a string of thunderstorms brings repeated heavy rainfall to an area, flash flooding can occur with rapid overflow making roads impassable and dangerous.  The Centers for Disease Control and Prevention warn us to “Turn Around – Don’t Drown” since over half of all flood-related drownings occur when a vehicle is driven into hazardous flood water.

Driver Safety Tips If Flooding Occurs

  • If you find your vehicle suddenly surrounded by rushing water, exit immediately, being careful where you step as you head for higher ground. 
  • Never drive over downed power lines or drive through puddles that are in contact with such a line. Electrical current could be transmitted through the water and be potentially fatal even if you don’t touch the line itself.
  • Always obey barricades and signs that warn of road flooding. Even if the water looks shallow enough to cross, don't attempt it. Even a puddle that appears only a couple inches deep can be much deeper and can hide major road hazards like washed-out sections and holes in the road.
  • If you see flooding on the road ahead, don’t proceed. Turn around immediately and take a different road to reach your destination. Rushing water could cause your vehicle to float and perhaps even be carried away. As little as just 12 inches of rushing water can carry away most cars.
  • If you cannot avoid driving through deep puddles, then be sure to test your brake function immediately afterwards to be sure that you can stop your vehicle.

 Flood Waters Will Damage Your Car

So it stands to reason that one significant threat resulting from flooding is damage to your vehicle – whether from driving through high water or parked in standing water.

Depending on the circumstances and amount of exposure to the flood waters, your vehicle could incur even major damage such as failure of the electronics and computer system, drive train, transmission, brakes and even the air bags.  If you escape major damage, exposure to this type of water will likely lead to rusting, corrosion, mold or complete loss of part of your car’s interior.  One other concern, of course, is the car’s overall condition which could affect ongoing performance and even resale value.   

Auto Insurance Tip

Long before you find yourself in a potential flooding situation with your vehicle, you will want to know that you have insurance to cover the damages.  Ask your insurance agent about comprehensive coverage and what options you might have to protect yourself well in advance.  You don’t want to be worrying about these things when the water starts to rise.

Here at Ewing, Hines & Associates in Kensington MD, our very knowledgeable agents have the experience to assist you with any insurance needs. Before you find yourself driving in high water, be sure to contact us to check on your auto insurance coverage. We can answer your questions, refer you to other resources, offer a no-obligation policy review and discuss your options.

Friday, 09 August 2019 15:17

Who decides how much you pay for auto insurance and why?Do you know how your auto insurance premium is determined? 

Of course, type of coverage and amount of coverage make a big difference in the amount you pay; but you might not be aware of the many other elements that insurers must consider in order to arrive at your premium.  The relative importance and weight of these elements will vary from insurer to insurer. Some but not all of the information factored in will be out of your control.  

You can probably see the need to consult with a trusted insurance agent before purchasing your Auto Insurance.  Ideally, this will be an agent who knows you and your circumstances.  This will give you the chance to ask questions and fully understand the process involved in determining how much you pay for car insurance.

But first, take a look at this infographic from the Insurance Information Institute to see the WHAT and WHY of factors that impact your auto insurance premium. 

If you already have Auto Insurance coverage, think about sitting down with your agent to review your coverage and determine whether you have the best policy for your needs at the best price available. 

The scope of your insurance coverage and options depend entirely upon the policy and the insurance company providing it.  This website is not intended to advise, offer or bind coverage.  You should always discuss your insurance issues with professionals such as a licensed and qualified insurance agent before making any decisions or choosing a course of action.  Ewing Hines & Associates is a full-service insurance agency offering auto insurance for your vehicle, home insurance for homeowners, renters and condo dwellers, business/commercial insurance and life insurance to all of Maryland (MD), Virginia (VA), Washington DC since 1960. Our experienced insurance agents at our office in Kensington, MD welcome your inquiries and are glad to discuss your coverage needs at any time.

Wednesday, 20 March 2019 10:38

Are you one of the many who makes New Year’s resolutions each year? 

If you’re like most people, you usually resolve to enhance your health or your appearance, and those are admirable goals.

But if you’re ready for something fresh – something that will polish your skills and keep you safe at the same time, then consider gearing this year’s resolutions around becoming a better driver.

To make it a little easier for you, click on READ MORE below for some suggested resolutions to keep you safe on the road...

Saturday, 05 January 2019 12:50

With the holidays fast approaching, you might be thinking about raising money so that you can afford to purchase gifts for friends and family. One way to raise the funds is by taking a second job often known as "Moonlighting"..

Just what are the benefits to having a side job? Who is likely to have one? What are the most popular side jobs?

According to a recent article from Erie Insurance, the Bureau of Labor Statistics says that nearly 6.8 million Americans work more than one job. That equates to 4.6 percent of all employed people.

Read the entire article…> to learn the who, what, and why of side jobs as well as some practical concerns if you are seeking such a job.

Insurance Tip for Moonlighting
Depending upon what sort of side job you decide to take, you might have certain risks to consider.  To be sure that you are protected, it's advisable to check with your insurance agent who can tell you whether you should have extra insurance protection.  This is particularly important if you will be an independent contractor and/or working from your home or other building that belongs to you. 

The scope of your insurance coverage and options depend entirely upon the policy and the insurance company providing it.  This website is not intended to advise, offer or bind coverage.  You should always discuss your insurance issues with professionals such as a licensed and qualified insurance agent before making any decisions or choosing a course of action.  Ewing Hines 7 Associates is a full-service insurance agency offering auto insurance for your vehicle, home insurance for homeowners, renters and condo dwellers, business/commercial insurance and life insurance to all of Maryland (MD), Virginia (VA), Washington DC since 1960. Our experienced insurance agents at our office in Kensington, MD welcome your inquiries and are glad to discuss your coverage needs at any time.

 

 

Saturday, 01 December 2018 10:36

When we think of Halloween, we think of costumes, trick-or-treating and celebration – one night when the streets are filled with ghosts, goblins, superheroes and more.

If you’ve made sure to provide the best flame-retardant costume, comfortable shoes, a flashlight and the warning not to eat anything until all the candy is checked, you might feel that all is well. But actually, there are a few other considerations that you might be forgetting.

After dark on the streets of your neighborhood, there are threats to those traveling through your neighborhood as well as your children. In their article, "4 Lesser-Known Halloween Safety Tips" Erie Insurance offers some advice that will help you have an even safer Halloween experience.

Read the entire article at Erie Insurance...>

Insurance Tip for Halloween
After dark on Halloween, you could be at risk as a homeowner if an accident occurs on your property. Likewise as a driver, you'll need to be especially aware of all the pedestrians.  Before the bewitching date, you'll want to check with your insurance agent to be sure that you are fully covered and protected with the right homeowners insurance and auto insurance to meet your needs.  

The scope of your insurance coverage and options depend entirely upon the policy and the insurance company providing it.  This website is not intended to advise, offer or bind coverage.  You should always discuss your insurance issues with professionals such as a licensed and qualified insurance agent before making any decisions or choosing a course of action.  Ewing Hines 7 Associates is a full-service insurance agency offering auto insurance for your vehicle, home insurance for homeowners, renters and condo dwellers, business/commercial insurance and life insurance to all of Maryland (MD), Virginia (VA), Washington DC since 1960. Our experienced insurance agents at our office in Kensington, MD welcome your inquiries and are glad to discuss your coverage needs at any time.

 

Monday, 22 October 2018 10:01
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