Distracted driving is any activity a driver engages in that shifts their attention from driving.
There are three main kinds of distractions:
• Visual – taking your eyes off the road
• Manual – taking your hands off the wheel
• Mental – taking your mind off the task of driving
Driving safely is every driver’s responsibility. The use of cell phones, texting and other electronic devices including GPS navigation aids all pose great risk. The same goes for fatigue, eating or drinking, grooming, noisy passengers, misbehaving children, searching for radio stations, reaching for an object, and unrestrained pets. Continue reading →
If you’re like most workers in Rhode Island, you are eagerly awaiting your retirement and ready to bask in its glow. It’s also a time where new worries about paying for healthcare arise. In fact, healthcare is often cited as one of the top three concerns retirees have about leaving the working world behind.
Having a thorough understanding of Medicare is extremely important, particularly for anyone who is turning or has turned 65. Medicare is a complex topic with various plans and enrollment specifications. As the number of people eligible for Medicare grows, confusion about Medicare likely grows as well. Continue reading →
Here are some helpful tips to keep your home and property safe during the summer months:
Protecting your home from theft and damage while you’re away can save needless worry while you’re off relaxing. Update your designated emergency contact with our office – you’d be surprised how often a neighbor or family member has moved or changed phone and email contact information. Advise your alarm company and local police should you be gone for an extended period of time. Lock all windows and doors, set timers on interior lights and consider Apple Valley as a trusted “neighbor” with whom you can leave your vacation address and telephone number so you can be reached in case of an emergency. Continue reading →
A bill criminalizing the usage of any “non- hands-free personal wireless communication device” was signed into Rhode Island law by Gov. Gina M. Raimondo. This was one of the bills to make it past the Governors desk despite the budget dispute embroiling the General Assembly. The law will go into effect June 1, 2018 and prohibits usage of a phone to your ear while driving a vehicle, with a $100 fine if caught. Now is the time to equip your vehicle with bluetooth, ear pieces and other hands-free ways to use your cell phone for emergencies or navigation, as other New England states uphold these bans (CT, NH, NY and VT). Reminder that in both RI and MA, texting behind the wheel is not allowed by law.
Please note, this article was written to help you in general terms. Please consult an insurance professional to discuss your specific situation as it relates to things discussed in this article.
David Brush, CIC
Nancy Mendizabal, CIC
Apple Valley Insurance
Apple Valley Insurance helps people and businesses with insurance needs. We are a locally owned Smithfield, Rhode Island independent business that enjoys working with fellow small business owners. We serve all of Rhode Island and have many options, providing personal and business insurance programs. Contact us for a review or if you are concerned about having the right insurance coverage.
Our Rhode Island summer is fleeting. Back when we were kids, summer school vacations seemed to last forever. As adults we realize there are only three short months to enjoy the Great Outdoors. Now is the time for motorcycles, boats, golf carts and more summer “toys” to come out of their winter hibernation to take advantage of the warm and sunny weather.
Many homeowners believe that their home or personal insurance policy covers their recreational toys but, in actuality, most don’t provide adequate or any coverage in the event of a claim. In some instances, specialty policies are available to help cover any gaps in coverage. Continue reading →
Are you receiving all the discounts on your auto insurance?
In Rhode Island, you have many choices for auto insurance, and there are an assortment of discounts available. Some discounts are offered by most insurance companies, while others are unique to one specific company. Below are the common auto insurance credits and discounts available in Rhode Island listed and explained: Continue reading →
As an electrical contractor and business owner in Rhode Island, you have many responsibilities. Protecting your business and lifestyle is one of them. Electricians insurance is one of the biggest expenses you have and provides protection for one of your biggest assets: your business. The importance of the right insurance for your business cannot be overstated. This is an overview of electricians insurance coverage to help those in the electrical trades understand and purchase insurance. Continue reading →
Here are some tips and insights to help you navigate the purchase of insurance for your new home. Homeowners insurance is a complex matter and every situation is different. Your needs are unique compared to your neighbors and friends, and for that reason securing the right insurance takes time.
I was recently asked this question by one of our Apple Valley Insurance clients, and thought I would share the answer here for our readers.
There are a lot of things that go into homeowners and auto insurance rates, one of them being credit. I’ve heard a lot of complaints from people who don’t like the fact that insurance companies use credit in their underwriting.
Some people have absolutely no idea that it’s used in the rate at all.
At the end of the day, there’s not much we can do about it though. Insurance companies have been using credit in their rates for decades, and that’s not likely to change.
By the way, insurance companies don’t pull your credit like a mortgage company or credit card company does. There is no negative impact on your credit as a result of an insurance company looking at it.
When I say “pull” what I mean is that the insurance company is doing what’s called a soft inquiry, which is not the same thing as having your credit pulled (hard inquiry).
When does credit play a role in insurance rates?
It’s important to understand that insurance companies don’t continuously check or monitor your credit. Usually, they only check it when you first get a quote and/or sign up with them in the very beginning.
This means that if your credit score increases (or decreases) your insurance company does not automatically know about it.
So, to my customers question of whether or not his increased credit score will lower his rates, the answer is not automatically.
What has to be done on our side as the agent is contact the carrier the insurance and ask them to do what’s commonly referred to as a “re-score”. This is when the insurance company can re-run the person’s credit (soft inquiry) to see if there is any positive bearing on the rate.
This isn’t something that the insurance company is going to let the agency do every single year, so it’s not worth even asking unless there has been a significant change in your credit score, and only you as the customer would know if that was the case.
If you’d like to get a better handle on your credit rating, it could be helpful to setup credit monitoring. We hope this was helpful! As always, leave us comment below if you have any questions.