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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

 

 

Is Ridesharing Covered Under My Insurance Policy?

Did you know that nearly every insurance carrier and insurance policy excludes coverage for incidents that occur when a personal vehicle is used to transport paying passengers, such as during ridesharing.

Gap in Insurance

There may be a gap in insurance coverage between the driver’s personal automobile insurance policy and the commercial policy maintained by the company, such as Uber or Lyft. And, your personal auto insurance typically excludes coverage for business use or when drivers are “available for hire.” This exclusion means that a driver’s standard personal auto insurance would not likely cover them while a Transportation Network Company (TNC) application is turned on, even if they haven’t accepted a ride request and have no passengers in the vehicle.

In addition, the largest known TNCs operating in the U.S. only provide contingent liability coverage. If there is an accident, only third parties are covered for limited damages. . Due to coverage gaps with insurance provided by TNCs, you could be left to pay for physical damage to your vehicle and a personal injury in the event of an accident. You could also be on the hook if your vehicle is hit by an uninsured or underinsured driver as TNC insurance does not provide coverage for these situations.

So, what can you do?

Langlois Insurance Agency can offer an insurance policy that fills in that gap in coverage.

Extend your personal auto policy: With RideSharing Coverage, you get nearly the same coverage during applicable ridesharing activities as you do any other time you drive. First, we will identify which vehicle you use for ridesharing. Your RideSharing Coverage will only apply to the vehicle specified on your policy. If you have other vehicles insured, the coverage will not apply to them unless you purchase coverage for each one.

Rideshare More & Worry Less

So if you are a rideshare driver, you can still continue to generate extra income or even work full-time using your personal vehicle to transport others. But you can now be assured that you have the proper coverage for this business venture. You can still love the freedom of setting your own hours and traversing the city with interesting people in tow. The difference – you will have the appropriate auto insurance coverage when you drive for a transportation network company (TNC), such as Uber or Lyft.

Call #815-485-2106 for Information

As always, please don’t hesitate to contact any of us at Langlois Insurance Agency with any questions.  We want to ensure that you are properly covered.

Warmest Regards,

Matt Langlois