Halloween Safety Tips

Halloween is a fun night for trick or treaters and parents. But because of increased activity out that night, the potential for related accident with young pedestrians increases four times according to a CDC (Center for Disease Control) study.

Here are a few tips to make sure it’s a fun night for everyone:

  • During trick or treating hours, it’s best to drive under the posted speed limit in residential areas to allow you enough time to stop fast if a child runs out in front of you.
  • You shouldn’t be using your cell phone anytime when you’re driving but it’s especially important not to use it during trick or treating time. You never know when someone could walk out in front of you and you don’t want to be distracted.
  • Pay extra attention at cross walks, intersections and each side of the road. When trick or treating kids tend to walk along the curbs and unexpectedly cut across streets to get to other houses. Keep scanning each side of the road.
  • Be extra cautious when passing parked cars, you’d be surprised how fast kids can appear running out from between 2 parked cars.
  • If your kids are out trick or treating make sure they carry a flashlight or a glow stick so that drivers can see your kids easily.
  • If you are picking your kids up or dropping them off to go trick or treating, turn on your hazards to alert other drivers so they will be cautious when passing by your car.

Happy Halloween!

Should You Buy Renters Insurance?

What You Should Know About Renters Insurance

renters-insurance-indiana-paYou’ve finally found the perfect apartment in Indiana, PA and you’re ready to move in. You’ve already bought all the furniture and items you need and you think you are set. But wait a minute, what happens if there is a fire, smoke, vandalism or theft? Did you purchase renters insurance to protect all the things you just purchased? Renters insurance provides financial protection against the loss or destruction of your possessions when you rent an apartment or rent a house. Even though your landlord has homeowners insurance, your possessions are not normally covered by your landlord’s insurance policy. And since you only need insurance that cover’s just the value of your belongings and not the physical building, the premium’s are normally pretty inexpensive.

There are two types of renter insurance policies you may purchase, actual cash value & replacement cost. Actual cash value pays to replace your possessions less a deduction for depreciation up to your policies limit. Replacement cost pays the actual cost to replace your possessions with no deduction for depreciation up to your policies limit.

Here are a few tips to help you when choosing renters insurance:

Keep a record of all your items that would need replaced by writing everything down and either have photos or a video of the items and keep them in a safe place in the event you would need to file a claim.

If you are living with a nonrelative roommate, they may not be covered by your policy. Ask your agent if they are.

Talk to your agent about additional coverage options that may be needed.

Renter’s insurance policies often differ by insurance carriers. By talking with one of our agents here at Walbeck Insurance, we are able to find the best coverage to meet your needs at an affordable price for you.

Car Insurance – Indiana Pa

What is car insurance?
Car Insurance is meant to protect you if you are responsible for causing injuries to others or damage to their property in an auto accident. It can also provide protection if your car is damaged in a car accident or is stolen. The protection that you have is stated in your car insurance policy.

What does car insurance cover?
At a high level, car insurance typically provides four basic things:

  • liability coverage
  • coverage for damage to your car or cars
  • coverage for medical expenses
  • coverage for uninsured motorist

There are a variety of coverage options available.

What are the common car insurance coverages?

Below are some simplified descriptions of common auto insurance coverages. All coverages are subject to the limits, terms and conditions of the actual policy you purchase.
Bodily injury liability coverage generally pays damages for bodily injuries to the driver and passengers of the other vehicle when you are responsible for an accident. It also provides coverage to defend you if you are sued because of an auto accident.
Property damage liability coverage generally pays for damages to another person’s property (e.g. their car) when you are responsible for an accident. It also provides coverage to defend you if you are sued because of an auto accident.
Medical payments coverage generally covers you, household relatives and your passengers for medical expenses that result from injuries sustained in an auto accident. It also covers you as a pedestrian if you are hit by a vehicle.
Some states have personal injury protection (PIP) in place of, or in addition to, medical payments coverage. This is also known as no-fault coverage. PIP can generally pay for medical expenses, funeral expenses, loss of income and other expenses for injuries or death due to bodily injury sustained as the result of a car accident.
Uninsured or underinsured motorist bodily injury coverage generally pays for damages for bodily injury to you and your passengers when caused by another in an auto accident and the person legally responsible either has inadequate or no insurance. This coverage varies greatly by state. In some states it may be a combined coverage, while other states may offer it as two separate coverages (e.g. one for uninsured motorists and one for underinsured motorists).
Collision coverage generally pays for damage to your car if it hits another car, object, or overturns. A deductible applies to this coverage.
Comprehensive coverage generally pays for damage to your car if it is stolen or damaged by certain causes other than collision, such as fire, theft, hail or vandalism. A deductible applies to this coverage.

What should I consider when purchasing auto insurance?
When you are purchasing car insurance in Indiana PA, make sure you find coverage that fits your needs. Here are some things to consider:

  • What is my household salary? What are my assets? How much in savings and equity do I have? The more assets you have, the more coverage you might want to consider.
  • How old is my car and how much is it worth? Do I own my car outright or is it leased or financed? The model year and original cost of your car helps determine the approximate value of your car today.
  • How much am I willing to pay out-of-pocket? Deductibles are applicable to certain coverages, such as comprehensive and collision coverages. In the event of a loss, a deductible is the amount that you must pay out-of-pocket before your insurance kicks in. A higher deductible could lower your premium.
  • Do I have health insurance? Auto insurance can include medical payments coverage for you and your passengers. If you don’t have your own health insurance, you should consider purchasing some type of medical payments coverage on your policy.
  • Do I have children of driving age? Children are generally more inexperienced drivers and can present a greater risk on the road. You might want to consider purchasing higher limits of liability coverage if you have children of driving age.
  • Walbeck Insurance Agency is an independent insurance agency that can help you with all of your car insurance, home insurance, and business insurance needs in Indiana PA, Blairsville PA, Homer City PA and surrounding PA areas. Call us for a free quote today.

Tips for Driving in Heavy Rain

Along with warm weather and sunny skies in the summer, can come strong thunderstorms and heavy rains in Indiana Pa. Driving in wet conditions can be hazardous and you need to exercise greater caution than usual.

Here are a few safety tips to help you next time your driving in bad weather.

Turn on your Headlights
Many states require headlights to be on when it is raining, even in broad daylight. This makes it easier for you to see in front of you and also helps other drivers see your car.

Keep Enough Space
Keep at least five car lengths in front of you and the next car in front of you. This can help you have enough reaction time since you never know what other drivers are going to do or what could happen up ahead.

If visibility conditions are poor due to heavy rain, you will want to drive below the speed limit to the extent that you are able to see far enough in front of you to appropriately make driving decisions. If visibility is too poor to see it is best to pull over until the rain slows up.

Hydroplaning is when your vehicle travels atop the water and has very little or no contact with the ground. The loss of traction this creates will decrease your steering control. If you find yourself hydroplaning, let off the gas and steer straight or slightly in the direction you are heading. Remain calm and DO NOT make sudden motions.

Avoid Flooded Roads
You should never drive through standing or moving water, especially if you can’t see the ground beneath. Try to find an alternative route in Indiana Pa. If you have no choice, pull over and wait or follow someone else to judge the depth of the water on the road. Driving through deep water can flood your engine and cause it to stall, and deep water can cause your car to float right off the roadway or pose a serious threat to your well-being.

Walbeck Insurance Agency is an independent insurance agency that can help you with all of your car insurance, home insurance, and business insurance needs in Indiana PA, Blairsville PA, Homer City PA and surrounding PA areas. Call us for a free quote today.

Helpful Car Buying and Car Insurance Tips

The first thing to remember when buying a car is that it is not an investment. It loses value over time. New cars and trucks on average lose more than 20% of their value in the first year. If you can find a well-maintained car or truck that is just a year or two old, you’ll get a huge discount on an almost new model.

Things to consider first

  • What type of vehicle you like (sedan, truck, suv, van etc.)
  • Brand reputation
  • Gas Mileage
  • Safety
  • Typical repair costs
  • Car Insurance

Do you need a loan?

Most people are not able to pay out of pocket to buy a car so a loan may be necessary. Figure out how much of monthly payment you can afford.

Shop around for the best interest rate and other terms with the dealership, credit unions, your bank, or online. The lower the interest rate the lower your monthly payment will be.

Figure out if you are able to make a down payment that will lower your loan amount and your monthly payments.

Do you want to buy new or used?

The biggest thing to consider is can you afford to buy new or should you look for the same vehicle that is a year or two old.

The risk of buying a used car is you are basically buying an “as is” vehicle. That means you are taking on the risk of any problems that you were unaware of. A new car has a warranty and is in new condition. Extended warranties are available for used cars, contact a local dealer to find out how much and what it covers. Make sure you get all of the facts when buying a used car. Things to consider:

  • Get a Vehicle History Report
  • Number of previous owners
  • If the car has eve been in an accident
  • Any previous mechanical problems
  • The maintenance history of the car
  • Has the vehicle ever been in a floor
  • Have the car inspected by a reputable independent mechanic.

Car Insurance

Insurance premiums are different for each type of car. Check with your insurance agent to find out how much it will cost to insurance the type of car you are considering.

If you are looking for car insurance in the Indiana Pa area give us a call today, or fill out our online quote. Our agents are here to help you get the best policy.