Google fonts script manhattan insurance Archives - Page 2 of 2 - Langlois Insurance Agency

What are the Dangers for Teen Drivers?

What are Some Dangers for Teen Drivers?
Did you know that motor vehicle/car crashes are the leading cause of death for teenagers in the United States?
According to a statistical study conducted by the CDC (Center for Disease Control), over 2,000 teenagers (ages 16-19) in the United States were killed and approximately 200,000 were treated in the ER for injuries suffered in crashes in 2014.

As a parent of three children, I find these statistics to be quite alarming.

Overall, Illinois has done its job to reduce these numbers by banning hand-held mobile devices while driving, as well as instituting a GDL (Graduated Driver Licensing) system that gives teenagers more supervised driving time before they are fully-licensed drivers.

But, even with these extra steps in place, motor vehicle accidents still remain the top cause of teenager deaths in Illinois, and unfortunately “tough” laws alone won’t prevent these deaths.

So, the IIA (Illinois Insurance Association) created the “5 to Drive” campaign, which offers tips for talking with your teens about safe driving habits. The greatest dangers that face teenagers when driving are:
1) Alcohol consumption and driving.
2) Distracted driving. Teach them not to use cell phones, put on makeup, eat a burger, etc…while driving.
3) Extra passengers in the car while driving.
4) Speeding.
5) Always use your seat belt, even if going a short distance.
6) Driving drowsy. Always be awake and alert.
The idea behind the “5 to Drive” campaign is that parents can foster safe driving habits in their teens through real discussions of what is and is not OK when driving.

It is going to take a collaborative effort to save the lives of teen drivers. The Illinois Insurance Association will continue to discuss safe teen driving habits not only during this “Teen Driver Safety Week”, but all year long.

If you have any further questions on this topic, or about insurance your teen driver, please don’t hesitate to give me a call at Langlois Insurance Agency at #815-485-6676.

Safe driving teens!

Matt Langlois

What are my Life Insurance Options?

I recently checked an item off my bucket list while vacationing with my family.

While I was soaring above the ocean with my lovely daughter, I felt so grateful for this beautiful life God has granted to me.

And, as we ascended higher into the sky, my thoughts turned to how I can always have my family protected. What other items can I add to my bucket list that will keep them safe and secure in the event that something happens to me prematurely?

Having sufficient Life Insurance coverage was the answer.

If my children determine that college is the path that they want to take, I want it to be a feasible option for them even if I’m not around. If a medical emergency arises, I want to make certain that our Health Insurance is paid in full. If my son wants to play on the travel team for baseball, I want to ensure that there is enough money in the bank to cover this expense.

Life Insurance. This is my ultimate “bucket list” item.

So, what Life Insurance options are available?

Whatever your situation – buying Life Insurance for the first time, nearing retirement, or looking to insure your children – Langlois Insurance Agency can provide protection for those you love. Just look at the many options we can help you explore:

Universal Life Insurance – Highly competitive and flexible with guaranteed death benefits and strong cash accumulation. Protection for your family, business, and everything else that is important to you. You can customize this coverage with valuable riders like Long Term Care, and more.

Term Life Insurance to 95+ – Guaranteed level Term Life Insurance features your choice of level death benefit term periods with guaranteed level premiums for 10, 15, 20 or 30 years and coverage expiring at age 95.

Preferred Whole Life Insurance – Fully guaranteed traditional Whole Life Insurance plan with five premium options. A Long Term Care Rider can be added to your policy so you won’t be dependent on your family to take care of you should you need Long Term Care in your later years.

Simplified Issue Whole Life Insurance – Traditional Whole Life Insurance plan with five premium options. Guaranteed cash values and premiums. As long as you are not confined to hospice or a hospital and are not terminally ill, you can be accepted into this plan.

Graded Death Benefit Whole Life Insurance – Traditional Whole Life Insurance plan with four premium options.

Transitional Life Insurance – A brand new concept in Life Insurance. Providing a high-level Life Insurance benefit during the years you need it the most, and ending with a guaranteed, paid-up policy that will be there for the rest of your life.

Single Premium Whole Life Insurance – What to increase the legacy you leave to your children or grandchildren? The death benefit is tax-free too.

Funeral Preplanning – Preplanning a funeral can offer family members peace of mind.

Credit Insurance & Debt Protection – This coverage can eliminate the worry associated with making your loan payments when those unexpected events occur that could cause a financial hardship to your family.

If you’re like most of us, you don’t know which of the above Life Insurance plan(s) is right for you.

Let me help you.

Langlois Insurance Agency specializes in Life Insurance, mainly because we strongly believe that it is so important. I can help you select the right amount of Life Insurance benefits to ensure your family is properly protected…and will do it at a premium that you can afford and are comfortable with.

As always, please don’t hesitate to contact any of us at Langlois Insurance Agency with any questions or comments.

We always love to hear from our customers!

Sincerely,
Matt Langlois

matt@langloisinsurance.com

 

Frozen or Burst Pipes? How to Prevent (and Fix) this Common Problem.

One of the most common homeowners claims that Langlois Insurance Agency receives during these cold, winter months are from frozen or burst pipes.

The words “frozen or burst pipes” can strike fear with any homeowner (and insurance agent!).

Why is this? It’s because when water freezes, it puts pressure on your pipes, which can then burst, releasing damaging water into your home. And, even after you repair your home and clean up the mess from the burst pipe, your home is at risk for rot, mildew, and mold.

So, how can you prevent frozen pipes? There are definitely steps that you can take to prevent frozen pipes, most of which are simple undertakings for any homeowner.

Take care of outdoor water hoses and faucets first
Drain your hose, detach it, and store it indoors for the winter. If you can, shut off the water source to any outside faucets, then turn the faucets on to empty the pipes of any remaining water. Cover your outdoor faucets with an insulated cover.

Use foam insulation
For indoor pipes in cold areas of your home, wrap the pipes with foam pipe insulation. We suggest using heat tape, which can help keep your pipes warm in freezing weather.

Leave your faucet dripping
You may already know to leave your faucets dripping during a freeze. This is because it makes the water less likely to freeze; a small trickle also helps prevent a buildup of pressure. So even if your pipes do freeze, that little flow of water can help prevent a crack.

Open your cabinet doors
Most of your plumbing may be along uninsulated outer walls. Opening your cabinets and letting warm air into the space underneath your kitchen and bathroom sink can help keep the water in those pipes from freezing.

Keep the heat on
Leaving your heat set at 55 degrees (or warmer) whenever you aren’t home is also recommended. Turning your heat down below 55 degrees puts your pipes at risk of freezing and bursting. The cost of heating your home is worth it compared to the cost of fixing burst pipes. I always tell my customers that this is one of the most important things to do if you ever leave your home for a long extended period of time, for example a winter holiday.

Now the big question – What do you do if your pipes do freeze?
If you turn on your water, and you only get a small drip, or worse, nothing at all, there’s a good chance you have a frozen pipe. Make sure you know where your main water cut-off valve is in case a pipe does burst. If the frozen section of pipe is exposed, you can usually locate it by looking for frost or feeling for especially cold sections.

Insurance Fact of the Day: Did you know that a pipe with even a tiny crack can unleash 250 gallons of water in a day.

It is also recommended that you turn on your faucet and use a hair dryer or space heater to thaw the frozen section. Langlois Insurance Agency advises against using a propane torch or other open flame, as that could boil the water in your pipes and cause a crack…and, it just isn’t safe!

Once your water begins flowing, allow your faucet to run for a few minutes to clear out any remaining ice. It is also recommended that you check the water line for leaks and call a plumber if you do happen to notice one.

OK – So Your Pipes Burst. What Now?
If you take steps to prevent frozen pipes but you’re still faced with a burst pipe, immediately turn off the main water valve right away. It is also a good idea to turn off the electricity in that area of your home to prevent electrocution.

And, should you ever be unfortunate enough to experience an incident from a burst water pipe, please call Langlois Insurance Agency immediately at #815-485-6676. We can provide a recommendation for a reputable restoration company to ensure your home is back to its former self as quickly as possible. As always, please don’t hesitate to contact any of us at Langlois Insurance Agency with any questions or comments.

We always love to hear from our customers!

Sincerely,

Matt Langlois

Langlois Insurance Agency
matt@langloisinsurance.com

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.