Five Lies About Multitasking While Driving

Many drivers are convinced that it is okay to multitask while driving, but crash statistics and studies on distracted driving indicate it is not safe.  The National Safety Council estimates that cell phone use alone accounts for at least 25% of crashes.  It is estimated that at a typical daylight moment, about 416,000 passenger vehicle drivers are using handheld cell phones while driving. 

April is Distracted Driving Awareness Month, and in this blog post we debunk five lies concerning multitasking while driving that many drivers believe as truth:

Continue reading

Umbrella Insurance

Personal Umbrella Insurance Coverage

At Scott, our Personal Insurance team is committed to helping individuals and families protect their hard-earned assets.  Our dedicated team of professionals provides the highest level of service and world-class insurance coverage, including:

•  Home, including coastal properties and estates
•  Auto, including antique/classic vehicles
•  Motorcycles, ATVs and RVs
•  Boats, yachts and personal watercraft
•  Private aviation
•  Jewelry, fine arts, guns, private collections, etc.
•  Flood and earthquake
•  Workers’ Compensation for domestic staff
•  Professional liability
•  Personal umbrella policies

While most people are familiar with the more common coverages of home and auto insurance, another important coverage that we highly recommend for our clients is a personal umbrella insurance policy. 

Continue reading

Auto Coverage

Dangers of Distracted Driving

Distracted driving is any activity that could divert your attention away from the main task of driving.1 It is something that is both dangerous and disturbingly common. In fact, an estimated 660,000 drivers are using electronic devices while driving during daylight hours.2 You may be surprised to learn that cell phones and texting are just part of the problem when it comes to distracted driving. While stowing your phone while you drive is an important safety step, other behaviors behind the wheel, from drinking coffee to using a navigation system, may also be putting you at risk. 

Continue reading

Auto Coverage

What Drives Personal Auto Insurance Rates?

If you drive a vehicle, you are required by law to have personal auto insurance. But why do we need it?

Consider hitting a car and injuring three passengers. If both your vehicle and the other vehicle are valued at $20,000 and considered total losses, and each passenger has medical claims of $20,000, this quickly adds up to $100,000! That’s an amount most individuals wouldn’t want to have to include in their annual budgets.

The function of insurance is to accept the risk from many people to pay for the losses of the few. Personal auto insurance protects drivers from having to personally pay for all the damages they are responsible for resulting from an auto accident. Even though you paid your insurance company much less in premiums, the insurance company pays these higher amounts on your behalf based on your policy coverage.  

Continue reading