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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

Congrats to Toni Eberhart

Langlois Insurance Agency is excited to welcome Toni Eberhart as our newest Independent Insurance Agent. In order to become a licensed agent, Toni underwent 20 hours of pre-licensing classes and a difficult Illinois state exam. After passing with flying colors, Toni is now able to sell both Property and Casualty insurance in the state of Illinois. Congratulations Toni!

“We are looking forward to having Toni on board at Langlois Insurance Agency.  She offers exceptional customer service and we know she will be such an asset to our customers and our agency,” notes Matt Langlois, owner of Langlois Insurance Agency.

Toni will be working with our current customers, as well as new customers to Langlois Insurance Agency. And, fun fact – when she is not selling insurance, Toni loves to hang out with her family and go out on the river on their boat. Her favorite thing to do is attend her son’s football games — especially the home games at Lincolnway Central!

In fact, in the short period that she has been here, Toni has already done a wonderful job issuing policies to new customers:

Langlois Insurance Agency is a second-generation family business founded by Darrell L. Langlois in 1983. Matt Langlois joined forces with his father in 2000 and has been able to grow the agency by adding additional carriers and increasing agency staff, all in an effort to serve you better. Although we are growing, at our heart we are still a locally-owned and operated family business dedicated to providing friendly and professional service.

Langlois Insurance Agency is an Independent Insurance Agency which represents an average of ten insurance companies. We thoroughly research these companies to find you the best combination of price, coverage, and service. We work for you the customer, not the insurance company!

It is our privilege to help guide you to the best possible insurance program to meet all your insurance needs. Please take a minute to search our website and let us know how we can serve you. See for yourself the excellent insurance value we have to offer!

Langlois Insurance Agency is located at 200 West Maple Street in New Lenox, IL.  We can be contacted at #815-485-2106.  We always love hearing from our customers!

Warmest Regards,

Matt Langlois

What to Know Before Letting Someone Drive Your Vehicle

It happens. Sometimes we are in situations where we have to lend our vehicle to other people. Maybe you are not fit to drive and give the keys to someone who can. Maybe your family member needs to use it when moving items around. Regardless of the reason, you probably are a little cautious before letting someone else drive your car. After all, there are major consequences that can arise if something bad were to happen. Take a look at what you should be aware of the next time someone asks to borrow your car, even if it is for a minute or two.

Make Sure You Trust the Driver

While this is common sense, we still highly encourage drivers not to lend their keys to someone they do not know. Even if they are a good friend, make sure they don’t have a history of getting into wrecks. Because the second they get behind the wheel and take your car on a joy ride that ends unfavorably, you are going to be the one at fault.  This is because insurance follows the vehicle, not the driver.

Their Insurance Does Not Matter

Regardless of the fact that the person driving your car has insurance, it is not going to be their agency that covers the wreck. It will be yours since your car is covered through your agency. While the driver’s insurance may cover things like personal injury or medical expenses, you will still have the majority of the bill to take care of. Again, this is because insurance follows the vehicle, not the driver.

What to Do If You Have a Regular Driver

If it turns out that someone borrows your car more than occasionally, especially someone that you employ, please contact me so that we can discuss the situation and, if warranted, add them onto your policy.

Don’t Panic

While it is true that there are major consequences that can occur, this is really just for worst case scenarios. More than likely, you will be covered if you give someone verbal consent to drive your car. If you are nervous, feel free to give any of us at Langlois Insurance Agency a call to make sure all your bases are covered. We will be more than happy to guide you through the do’s and don’ts of lending your vehicle.

If you ever have any questions about your auto policy, don’t hesitate to get in touch with any of us at Langlois Insurance Agency. We are always here to help make life (and insurance) a little less complicated.  And, we always love to hear from our 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

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.