What to Do After You Have Hit a Deer

Accidents are sudden and very nerve-wracking. Although we try to avoid them as much as possible, they still occur in great volume. On average, there are almost 1.23 million deer-related accidents in the United States every year. This number grows around the later months when mating season is in session. This causes more deer to accumulate in populated areas, making some roads very dangerous for drivers. Hitting them is sometimes unavoidable because they appear in your direct path. While we hope this never happens to you, here are the steps you should take if it does.

Move Over

We understand that during a wreck you are so shocked that your priorities are all over the place. However, you should try to stay calm and pull to the side of the road as soon as possible. You are still at risk for being hit by oncoming traffic even though the wreck has already occurred. If you are able to move your car over, do so. Once you are safe, turn on your hazard lights, check your passengers, and take a deep breath.

 

Alert Authorities

Don’t wait to give the police a call. Alert them of the situation immediately so they can handle everything. If the wreck is bad enough, they will need to direct oncoming traffic out of the way so you and others are kept safe. If the deer is still at the scene, it could block traffic and needs to be removed. When authorities do arrive, you will probably need to fill out an official report with them. Having the details fresh from the scene will be handy when filling out your insurance claim.

 

Document the Incident

When the road is safe, it’s time to start documenting. Take pictures of the scene including your surroundings, your car, the road, and any injuries you or your passengers have sustained. This will all be important information for your agent to look over when filing your insurance claim.

 

Stay Away from the Deer

Although it’s okay to check on the deer, you might want to do this at a safe distance. If the deer survives the collision, it will be rattled up and might pose as a threat if it decides to attack out of fear. Deer are known for having powerful legs and sharp hooves that provide a damaging kick.

 

Contact Langlois Insurance Agency Immediately

Like with the authorities, don’t wait to give any of us at Langlois Insurance Agency a call. The sooner, the better. We can immediately get started on your claim when the situation is fresh on your mind rather than later when you might forget some details.

 

Examine Your Car

Although you are probably more than prepared to go home, take a moment to examine your car thoroughly. If it has sustained a significant amount of damage, you should not drive home in it. You could put yourself in even more danger if you do. Instead, contact someone you trust that will take you and your passengers home while you have your car towed.

 

When you are met with a tough situation such as a car accident, the last thing you need is added stress. Having the right agent on your side will give you peace of mind. Let us take care of you today. Give our office a call at #815-485-2106 to see how we can assist you and your family.

As always, please don’t hesitate to contact any of us at Langlois Insurance Agency with any questions that you might have.  We always love to hear from our customers!

Sincerely,

Matt Langlois

Are You a Distracted Driver?

Are You A Distracted Driver?
Did you know that 2016 was the deadliest year on American roadways since 2007? And, the number of driving-related fatalities had the largest two-year spike since 1964.

The National Safety Council (NSC) found that 83% of drivers do believe that distracted and impaired driving is a major safety concern. BUT, 64% admitted that they are comfortable speeding, texting (47%), driving while being impaired by marijuana (13%), or driving after they felt they had consumed too much alcohol (10%).

And, so many of us engage in activities (eating, daydreaming, letting our pets roam loose in the car) that we don’t feel are dangerous, but still cause so many accidents.

Let that sink in for a moment…

As a parent of three children, one who is about to get her learner’s permit in about 2 ½ years, these figures are alarming.

I mean, I can barely watch this Subaru commercial without turning into a blubbering mess.

I can’t imagine the day that I allow her to get behind the wheel of a car without me there to protect her. Especially with these statistics circling around in my thoughts.

So, what can we do about this? How can we keep ourselves, our children, and those around us safe while operating a motor vehicle?

“The good news is we know what works to save lives: high-visibility enforcement of strong traffic laws coupled with public education and awareness,” notes the NSC.

And, insurance companies are starting to take note as well. One company that Langlois Insurance Agency works with, Pekin Insurance, has put together a great website where you can learn more about the dangers of distracted driving.

Plus, it has a fun, interactive Quiz, Focus 2 the Finish, where you can find out if you are engaging in common distractions that put yourself and others at risk.

Check it out! I took the quiz and was shocked – shocked – to learn that even your trusty, local Insurance agent had a few things to improve on (Sorry, Sunny, no more road trips in the Langlois-mobile for you!).

So, let’s keep our roads safe. Because you all are on the roads.

Your loved ones are on the roads.

And, because my Olivia will be on the roads soon.

And – simply – because driving safely is so very important.

Sincerely,

Matt Langlois

Langlois Insurance Agency

Roadside Assistance: Once Call Does It All

Roadside Rescue: One Call Does It All
Last week, I’m sitting in my office. Doing my insurance work. And, as you can see, it’s been a pretty good day at Langlois Insurance Agency — just check out my smile.

Then, I get a frantic phone call from my wife. She has a flat tire and is not happy. She’s stuck in the Jewel parking lot and is hoping that I can come and change the tire for her.

At this point, my instincts correctly instruct me not to give the lecture that she should have learned a loooong time ago to change her own tire. Seriously, this stuff should be taught as a basic life skill in high school.

But, I digress.

We’ve all been there … a flat tire in the middle of nowhere, car keys locked in the car, a battery that needs a jumpstart, or a gas tank that didn’t stretch those extra miles. Now you’re stranded on the side of the road, and you need a little emergency roadside assistance to get your car back up and moving.

Fortunately for my wife, Erin, we did have Roadside Rescue Coverage, which is part of our auto policy.
One quick phone call to our insurance carrier brought tire-changing-extraordinaire Larry to the rescue!

Do you have this coverage? I highly recommend it. It offers tremendous peace of mind if the situation arises that you or your loved one is ever stranded and you can’t quickly get there. Please feel free to call me at any time to learn more about various Roadside Rescue programs, which include tire changes, towing & winching, fuel delivery, concierge claim services, lockout service, minor mechanical repairs, and battery jump starts.

Or, if you want to start saving on your auto insurance policy today, please don’t hesitate to contact me for a free car insurance quote. Langlois Insurance Agency has great automotive insurance policies, which cover cars, trucks, motor homes, motorcycles, trailers, campers, recreational vehicles, commercial fleets, antique cars, and classic vehicles. I even have a policy that covers this super-cool auto…

Sincerely,

Matt Langlois
Langlois Insurance Agency

Is Car Racing Excluded on my Automobile Insurance?

Gentlemen, start your engines and check your automobile insurance policies.

As an automobile insurance agent, we hear some pretty crazy stories about automobile Insurance. This week was no different.

Sadly, I have a customer that had some damage done to their home by some guys who decided to drag-race their cars on residential streets. And, the crazy part is that this guy (not my customer!) thought that the all the damage to his car should be covered by his automobile insurance company.

So, here’s an automobile Insurance-Fun-Fact: A standard Auto or home policy won’t cover any type of racing damage or liability. Common forms of amateur motorsports such as drag racing, autocross, rallies and track days are excluded from regular automobile insurance policies.

There’s probably fine print in the exclusions portion of your automobile policy that looks something like this:
“Liability arising from the sponsoring or taking part in any organized or agreed-upon racing or speed contest or demonstration in which your insured car has active participation, or in practice or preparation for any such contest is excluded.”

So, what’s an amateur racecar driver to do?

Would you push your car off a cliff?

Your daily-driven car becomes uninsured the minute you “race” it. The question is, what’s racing?
As a general rule of thumb, if you are being timed, you’re racing. If it’s a contest, you’re racing. Many policies simply exclude any damage that occurs at “a location designed for competition,” which means even events such as high-performance driving schools might not be covered.

Street racing is also expressly prohibited in virtually all auto policies (and a really nasty moving violation in most states).

“If you’re going to race, you have to be prepared for the consequences,” says Penny Gusner, CarInsurance.com consumer analyst. “From a risk standpoint, you more or less are pushing your car over a cliff.”

And maybe yourself as well. Any personal injury protection or medical payments coverage you have on the street may not apply on the track, Gusner says; without it, you’d need to rely on your own health insurance coverage, assuming that you have it.

Lastly, it’s very likely that racing voids your manufacturer’s warranty, if your car is new.

So, let’s leave the racing to the professionals!

automoble insurance

As always, please feel free to contact me at Langlois Insurance Agency with any further questions or comments. I always love to hear from my customers!

automobile insurance

Sincerely,

Matt Langlois

*Thank you to Carinsurance.com for some of the content in this blog.