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Even a well-maintained vehicle can break down, so it’s advisable to put together an emergency roadside kit to carry with you. A cell phone tops the list of suggested emergency kit contents since it allows you to call for help when and where you need it. Suggested emergency roadside kit contents:  Cell phone  First aid kit  Flashlight  Flares and a white flag Jumper cables  Jack (and ground mat) for changing a tire  Work gloves and a change of clothes  Basic repair tools ...

share the road

Whether your a new driver on one with years of experience, it's always good to review safe driving habits. Even if you know what good habits are, there are often times where you're put in a situation where you have to make a decision to drive.  When it doubt, let someone else drive, pull over or call a cab.   Avoid Fatigue The best way to stay focused while driving is to avoid fatigue. Schedule your ...

protect children in car

If you’re traveling with children, find out how to best keep them safe. Make sure car seats and booster seats are properly installed and that any children riding with you are in the car seat or booster seat best suited to protect them. All children 13 and younger should ride in the back seat. And remember, all passengers in your vehicle should be buckled up!  Go to NHTSA's, child passenger safety recommendations to find out how ...

summer driving tips

Memorial Day is often thought of as the kick-off of summer vacation season.  There are many great things about summer but few can match the fun of a family vacation road trip. Families, friends, colleagues—we all start talking about where to go this summer. Families make plans to spend time together – that trip to the shore, the cabin in the mountains, camping at the lake. Friends start lining up their days off to ...

motorcycle share the road

In 2018, motorcycle rider deaths accounted for 14% of all motor vehicle crash deaths. While there was a 5% decrease in motorcycle deaths over the previous year, this was still a loss of 4,985 lives with the greatest frequency of occurrences happening in June, July & August. Based on miles traveled, the number of deaths on motorcycles, in 2017, was nearly 27 times the number in cars according to the National Highway Traffic Safety Administration. Safe riding practices and ...

insurance for cyclists

As a cyclist, you've chosen a sports activity that puts you on the road with a lot of vehicles.  No one needs to tell you that drivers have a lot more physical protection than you do on your bike, and it's the cyclist who is most at risk of injury. In 2018, 857 cyclists died in motor vehicle accidents, which is the deadliest year in almost 30 years. (NHTSA)  While you take every precaution to ...

Rental car insurance

car rental

Protect yourself while renting—without wasting money If you're looking to rent a car, depending on your needs and location, there are a number of alternatives—the traditional brick-and-mortar companies, peer-to-peer car services and car sharing programs—each with its own insurance parameters. It pays to understand your existing coverage first, and then look at your rental insurance options. No matter what company or what kind of company you're renting from, the most important step is to read and ...

What is gap insurance?

How gap insurance works When you buy or lease a new car or truck, the vehicle starts to depreciate in value the moment it leaves the car lot. In fact, most cars lose 20 percent of their value within a year. Standard auto insurance policies cover the depreciated value of a car—in other words, a standard policy pays the current market value of the vehicle at the time of a claim. If, when you finance the ...

In the aftermath of a crash, know the right actions to take No one wants to get into a car crash. But being prepared and knowing what to do if you are involved in an accident can save lives, reduce injuries and make the claims process simpler and easier. So you'll be prepared at the scene: Keep critical, relevant documents in your car, such as registration, proof of auto insurance, your leasing agent's name. It's also a good ...

Don't risk financial losses because someone else isn’t covered Despite the legal requirements in 49 states, many drivers in the U.S. remain uninsured. Don't risk your financial health—make sure you're insured, and learn how to protect yourself in the event of an accident with an uninsured motorist. Uninsured motorists are relatively common With the exception of New Hampshire, every state in the U.S. has a minimum mandatory car insurance requirement. Despite that, about one out of every eight ...

 

The information provided in these articles are only general descriptions and should not be relied upon as complete, correct or accurate for your specific situation. All coverage informaiton is subject to policy provisions, endorsements and may be  subject to your meeting underwriting qualifications. Murphy Insurance Agency is not engaged in rendering legal, accounting or other noninsurance professional services. Consult an appropriate professional for advice regarding your own situation.