Happy Halloween! 

With the kids back in school and the holidays just around the corner, we know life can get pretty hectic but a quick phone call or email can make all the difference. Your insurance needs may have changed just like the weather. Cold temperatures, wet roads and strong winds can bring on many new potential risks. Don't wait until something happens to find out if you have the proper coverage. Call us for a policy review.   

Halloween Safe-Driving Tips

According to Safe Kids USA, children are twice as likely to be killed by a vehicle on Halloween compared to other days of the year. Take extra caution behind the wheel on Halloween and use the following driving tips to keep trick-or-treaters safe.

1.  Yield to Trick-or-Treaters: Be prepared for children to run into the street at anytime.
2. Refrain From Passing Idle Vehicles: You never know when the driver in front of you has stopped to drop children off. Be patient and take extra caution when traveling near other vehicles.
3. Park Your Mobile Phone: With children crowding the dark roads, it is especially important to avoid any distractions while behind the wheel.
4. Communicate With Other Drivers: Use hazard lights when picking-up or dropping-off trick-or-treaters. And, always use turn signals.
5. Consider Alternate Routes: Avoid driving near trick-or-treaters by taking routes that go around busy neighborhoods, not through them.

Nationwide, about one in seven drivers are uninsured... in Washington State, it's actually one in six.  That's about 16% of all driver on our roads. 

Laws in most states require drivers to carry insurance but have proven ineffective in reducing the numbers of drivers who are uninsured.  Even if you are a safe and experienced driver who is unlikely to be at-fault in an accident, increasing your uninsured/underinsured motorist coverage is a crucial protection in case you are the victim of an accident.

Here's a real life example of what happened to one of our clients and a perfect example of why you should carrier UIM.

While driving home from work, he was hit head on by a drunk driver and

 

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