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Do You Need a Special Policy if You Deliver Pizza?

Now that I’ve gotten your attention…and made you hungry…let’s talk insurance.

With college students heading back to campus, we are getting quite a few calls at Langlois Insurance Agency about these college students taking delivery jobs for companies such as Jimmy John’s, Grub Hub, Uber Eats, pizza delivery, etc…

Did you know that if your college student is participating in this type of activity, they will not be covered under a standard insurance policy?

This is because if you deliver food in your personal vehicle, you need to purchase a commercial policy because your auto insurance policy will not cover your personal vehicle if you are in an accident while using it for work purposes.
Most parents – and their college aged children – don’t think about needing a specific type of insurance policy for their vehicle while they are driving. They assume that their personal auto policy will cover any accident. Unfortunately, it doesn’t.

Will the Delivery Company Cover my Kid?

In addition, the delivery company that you are working for is not required to provide you with any insurance or insurance information. Their only obligation is to tell you that need to have insurance.

We have heard situations where students are given highly inaccurate advice and are being told, “You don’t need to get the special insurance for your vehicle because how will your insurance company find out?” Well, I am here to let you know that this advice is not only wrong, it is unethical. And, if your student gets into one little accident on the job, they will quickly find out that the insurance companies do find out if this accident occurred while working.

When your student gets into an accident delivering for a company, there is always a police report. And, this report will note that the student was driving for a delivery, which then is sent to your insurance provider. Once the insurance provider reads this report, and notes that the accident occurred during driving for business purposes, they will most likely deny the claim.

So, if you or your student utilize your vehicle for any business purposes, please give any of us at Langlois Insurance Agency a call at #815-485-2106 and we can assist you in putting together an insurance policy that meets your needs. We always love to hear from our customers!

Warmest Regards,
Matt Langlois

What do you do if you have an auto fire?

As many of you are aware, we love our Langlois-mobile. So, we try to take care of our car with routine maintenance. But, even with routine maintenance, issues can always arise in your automobile. So, today’s post is about how to properly avoid and react to an automobile fire.

Imagine you are driving down the interstate when black smoke starts rolling out from under your hood. Do you have any idea what’s going on? How are you going to react? Automobile fires are pretty rare compared to other types of highway incidents, so most people don’t know what to expect or how to handle the situation when it happens to them. However, car fires are extremely dangerous, so it’s important to avoid panic by knowing how to react if it occurs.

Reasons Why It Might Be On Fire

Car fires can be caused by a variety of things. Fuel leakages, overheating, short circuits, and car accidents can all cause fires. If you frequently see fluids collecting underneath your car, or if fuses in your car’s electrical system are getting blown out from old or loose wiring, it’s a good idea to get your car serviced right away. Older cars and vehicles that aren’t very well maintained are at a higher risk of catching on fire, so make sure you get your car checked regularly and address any issues you notice.

What to Do If Your Car Catches Fire

  • Turn your signal on and immediately move to the safest place to stop.
  • Put the car in park and turn off the ignition. Stopping the fuel flow and electric current is very important to prevent the fire from getting worse.
  • Get every person out of the car, and don’t allow anyone to go back to retrieve personal items.
  • Move at least 100 feet away from the burning vehicle to avoid the flames and toxic fumes and also keep bystanders back.
  • Call 911.
  • Alert oncoming traffic if possible.

What NOT to Do

Anytime drivers pull off the road to address a car issue, their first instinct is to look under the hood and try to determine the problem. If your car is smoking or you see flames, there’s no need to check it out – you know what the issue is here! Opening the hood sucks in a gust of air that actually fans the flames and exacerbates the problem. You can find out the cause of the fire later.

Also, don’t try to put the fire out yourself. Car fires can escalate quickly, and explosions are always a risk. It simply isn’t worth putting yourself in danger just to attempt putting out the flames. Let your insurance take care of the loss.

Lastly, don’t hesitate to call any of us at Langlois Insurance Agency if this situation occurs. After you’ve dialed 911 and authorities are on their way, give us a call from the scene if you can. The earlier you get in touch with us, the sooner he or she can start working on your claim and get you back on the road safely!

As always, if you have any questions or comments, please don’t hesitate to give me a call.  I always love to hear from my customers!

Warmest Regards,

Matt Langlois

 

 

4 Steps to Protect Backseat Passengers

Man, I look back at these old photos of my babies when they were in their car seats as newborns and so many feelings flood through me. I remember being so nervous about bringing these newborn babies home. In a car. In a car seat. I mean, what if I got into an accident. Would their car seat hold up? Would they be OK?

Studies show that the safest place for your child to ride in the car is the backseat. However, simply riding in the backseat isn’t enough to ensure your passengers’ safety. Certain precautions should still be taken for both children and adults riding in the back to reduce their risks of injury or death.

Aim For Buying a Newer Vehicle

When you’re in the market for a vehicle, keep backseat passengers in mind. The average car on the road is 11 years old, but there have been many advancements in car safety just within the last decade. Some particularly old cars aren’t even equipped with headrests, which are key to protecting passengers’ necks from whiplash. However, many newer models come with safety features just for the backseat, like side airbags and inflatable seat belts. Buying used is the budget-friendly way to go, but try to get a car that is at least fewer than 10 years old if you can.

Secure the Kids

Being equipped with the proper restraints is the most important factor in child passenger safety. Determine whether your child needs a car seat, booster seat, or seat belt based on his or her age, weight, and height. Not sure what to trust? Use this handy page from the National Highway Traffic Safety Administration to determine which restraints are best for protecting your child passenger.

Put Them In The Middle

Believe it or not, the middle seat is the safest seat in the entire car. It offers the most distance from impact during a collision, so the middle passenger is more likely to be protected from a crash in any direction. Just make sure the passenger is wearing a 3-point seatbelt. If a lap belt is the only option, they’re better off sitting in a window seat.

No Distracted Driving!

This one seems so obvious, but distracted driving is still the number one cause of car accidents in the U.S. It is always valuable to remember that activities like talking on the phone, texting, reading, grooming, or eating compromise the safety of you and your passengers.

Remember these tips when you’re buying a car, picking out a carseat for a child, or just running an errand with a friend. The backseat is known as the “safe seat,” but there are definitely measures you can take to make it even safer and protect the ones you love. Make sure you’re covered in case of an accident or injury with the right insurance plans!

As always, please don’t hesitate to call us with Langlois Insurance Agency at #815-485-2106 to discuss your insurance and coverage options. We always love to hear from our customers!

Warmest Regards,

Matt Langlois

4 Tips For How to Handle a Hit and Run

As an insurance agent, I get many calls regarding car accidents.  Some of the most distressing to me are when your valued customer has been involved in a hit & run accident. Most of the time, collisions happen when you least expect it whether you are driving or parked. While the right thing is for both drivers to step out of the car and handle the situation, some have other ideas and try to flee from the scene. <This is when I would insert the angry face emoji>

This is always shocking and highly upsetting, but you can still be prepared for it by following these steps:

Call the Authorities

It’s understandable that you might be shaken up from the collision so it’s wise to take a moment to assess the situation. Once everything is clear, call the authorities immediately to let them know what happened. If you wait too long, the police may not be able to track down the perpetrator in time. You will also need a descriptive account of the situation when you file your claim, so make sure you get in touch with any of us here at Langlois Insurance Agency soon, while the incident is still fresh in your memory.

Get As Much Information As You Can

This may not be a simple task since the vehicle is on the move, but it is still possible to gather enough information for a claim. Your first plan of action should be to get the license plate number of the perpetrator, if possible. Also try to determine the make, model, and year of the car. If their vehicle has any damage, take note of that too so they can be tracked down easier. Also take note of which way the vehicle went to give others a starting point. After you have all the information down about the other driver, focus on your car next. Like with any collision, you have to document the entire event. Where the location was, where it happened, how it happened, etc. Then take photos/videos of your car. This documentation will help with any possible insurance claim later on.

Stay at the Scene

While it may be tempting to go follow the person that hit your car, you are actually putting yourself in a bad position if you do this. You will need witnesses when filing your claim. If, however, you flee the scene, you could lose this opportunity to speak with others who provide valuable information that you need.

Be Patient

Like with any collision, there will be a lot to handle in the aftermath. You may need someone to come tow your car depending on how severe the damage is, and making a claim is not a quick process. While it might be a frustrating time, be patient while everything gets sorted out. Talk with your loved ones to make any necessary arrangements and let everything work itself out over time.

The last thing you need after a hit and run is a massive bill to pay. Luckily, with the right coverage plan, you don’t have to worry. Give our office a call today and get in touch with our professional staff who can find you the insurance plan you need in case of any accidents down the road.

And, as always, please don’t hesitate to reach out to any of us at Langlois Insurance Agency with any questions.  We always love to hear from our customers!

Warmest Regards,

Matt Langlois