Headlights – Eyes of The Car

Tips for Safe Driving - All SeasonsA headlamp fixed usually at the front end of the car is a headlight. Headlights does have a crucial role while driving car as it provides the facility of smooth and perfect drive even at night times. It will lit bright light to illuminate the road allowing driver catch a glimpse of everything on road. A survey by highway administration in US reports that all major accidents, crashes and fatalities tend to occur at night when it’s dark.

Fog – Have Better Focus

Under extreme weather conditions, your car installed with head lights acts vital, specially when in for or snow. Fog lights are recommended for safe journey. Headlights of shorter wavelength are suitable for every normal weather condition. With fog it is not easy to penetrate, hence red or yellow lights are used usually of longer wavelength than the normal headlights. This will throw a beam intense enough to penetrate the fog making driving easier. If the fog is too much, xenon lights are preferred.

Headlight Maintenance – Lower Insurance Premiums

A driver thinks about headlights only when a car in the opposite direction blinds him with it’s dark lights. Keep them in proper condition to help you view the road in all directions and also helps other drivers to see you preventing accidents and car insurance claims. A burnt or broken headlight will often be recognized by cops to stop the vehicles for fines.

Below are few maintenance tips to keep headlights in good condition:

  • Excessive wear. Headlights do wear out over certain period of time and emits less light. When such faded color or off color is found it has to be repaired or replaced. You can have your car’s headlights checked when getting oil changed.
  • Adjusting lights is another scenario where it gets displaced when angled or fitted poorly. Improper adjustments need to be checked regularly in order to have the headlights focused accurately on the road.
  • Dirt or debris built up within the cover of headlights will also make the vision unclear. It prevents from emitting required light and hence less visible. This is very important especially for large vehicles on highways.

Exotic Holidays – Keep It Safe

Secure Your Exotic TripsHolidays are always fun and are in full swing as you get time to spend with your family and friends. Be it Christmas or new year, easter or thanksgiving, you plan ahead to travel and visit places. When you are away from your home, you want be free of worries and tensions. With many incidents of burglary happening around the city, you want to feel secured. If you are leaving your car behind, you want to protect it from theft or any damage to it. Being the insurance people, we are, here are few tips for a peaceful and happy travel.

Tips – Consider Them

Hide it from the world – When ever you plan for vacations, do not spread the word. Once you are back from the trip you can post pictures and let people know about your holidays. Keep very few close friends or neighbors informed.

Do not abandon the house – Make people feel that you have not left the home alone. You can do it in several ways. Keep the front and back porch lights on, so that at night the lights are glowing. Ask your neighbor or friend to collect all your mails from mailbox and not to stack them when you are gone. You can even ask the post office to hold the drop of mail until you come back and collect them. If it is snowing, you can ask any of your friend to pull in and out of your driveway at some point. Before leaving home, check for dead bolt locks and switch on the burglar alarms for a safe journey.

Driving in extreme weather conditions – Do carry windshield washer fluid, ice scrappers, extra blankets, a small shovel, food packets. You never know when you may need them. Keep your phone battery fully charged and enough cash in case of emergencies.

Keep house warm – Turn on room heaters, keep the heat in your home at minimum level so that pipes wont freeze when snowing. Turn off the main water valve to drain out pipes. Ask your neighbor to have a check on your home. You can also ask the local police to keep an eye on your home as they patrol.

Blown Away By Home Insurance Companies

Home Insurance for RescueIn recent years, home insurance companies have been hit hard by unexpected weather conditions leading to large-scale material damages and extremely high insurance claims. Last year, homeowner insurance companies across the globe paid $36 billion in catastrophe losses, ranking it the fourth highest in losses over the past decade. And it’s clear that with unpredictable weather patterns and natural disasters occurring more and more, home insurance companies are searching for methods to enhance homeowners safety while still minimizing their own losses.

South Carolina Wind Tunnel
Jump to Chester County, South Carolina, where a wind tunnel large enough to fit nine large residential homes has been built. The fans in the tunnel create winds of up to 175 miles an hour—comparable to the wind gusts that destroy homes in major storms and hurricanes. Instigated by an industry group of home insurance companies, the purpose of the experiment is to find out how well current building codes and commonly used building materials withstand extreme weather-inflicted stress. In addition to wind, the home insurance companies have also simulated conditions to study the impact of heavy rainfall on modern constructions, as well as how wildfires spread via air currents.

Improving Construction Standards
According to a spokesperson, the goal of the testing site is to demonstrate the importance of construction standards and create a building code that will set the standard for homes insured by home insurance companies in the United States. With improved building codes and materials, new construction will be better equipped to hold up under extreme weather conditions, thereby protecting homeowners’ investments and reducing costs for home insurance companies.