June, 2025 | Boizelle Insurance Partnership - Page 2

What To Do If You’re Involved In a Hit-and-Run Accident

Whenever we get behind the wheel, we are taking a risk. Just as with anything in life, we have faith that the decisions we make will be good ones that will lead us to good health and happy, fulfilling lives. We can plan frivolously and without doubt in our minds. Even after doing all of this, we must face this one simple truth: we cannot control everything. And that includes being involved in a hit-and-run accident. If you are ever involved in a hit-and-run accident, this is what you should do.

Immediate Actions:

  1. You are not doing yourself or anyone else in your car any favors by panicking after an accident. Yes, you may experience some sense of surprise or shock, but it’s important to do your best to remain as calm as possible.
  2. Ensure Safety:
  • Move to a safe location, out of the way of traffic if possible.
  • Check yourself and any passengers for injuries.
  1. Call 911 Immediately:
  • Report the accident to the police, especially since it’s a hit and run.
  • Request medical assistance if anyone is injured.
  1. Do Not Chase the Other Driver:
  • This can put you in more danger and may complicate legal matters.

 

Gather Information:

Even if the other driver fled, collect as much information as you can:

  • Time and location of the accident.
  • Description of the vehicle that hit you (make, model, color, license plate if you saw it).
  • Direction the vehicle was headed.
  • Photos of the damage to your car, the scene, debris, skid marks, etc.
  • Witness info: Names and contact info of anyone who saw what happened.
  • Surrounding area: Look for traffic or security cameras that may have captured the incident.

 

File a Police Report:

  • Get a copy of the police report or at least the report number.
  • This is critical for insurance and legal follow-up.

 

Notify Your Insurance Company:

  • Report the hit and run to your insurer as soon as possible.
  • Your uninsured motorist coverage (if you have it) may cover the damage and injuries.
  • Provide the police report number and any other documentation.

 

Seek Medical Attention:

Even if you feel okay, get checked out—some injuries don’t show symptoms right away.

Document Everything:

  • Keep all receipts, medical bills, repair estimates, and a journal of how the accident affects your daily life.
  • These may help in a claim or lawsuit.

Legal Help (if needed):

  • Consider consulting a personal injury attorney, especially if you’re injured or unsure how to proceed.
  • Many offer free consultations and can help with hit and run cases.
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How Can Sleep-Deprivation Affect My Business & What Can I Do to Combat It?

Sleep-deprivation is a serious issue that can affect the entire population of the world. If you are a business owner, it is important to acknowledge that sleep-deprivation is a real dilemma and that you can take steps to keep yourself and your employees safe. If you take necessary action, not only will your employees stay safe, but your business has a greater potential to thrive, resulting from better performance from your employees and greater profitability.

Poor Decision-Making

Lack of sleep impairs judgment, problem-solving, and strategic thinking. This can lead to:

  • Costly business mistakes
  • Missed opportunities
  • Poor financial decisions

Increased Risk of Accidents

Sleep-deprived employees are more likely to:

  • Be involved in workplace accidents or errors (especially in physical or high-risk jobs)
  • Damage equipment
  • Cause safety violations

This can lead to injury, legal liability, or increased insurance costs.

  1. Decreased Productivity

Fatigue slows down work output and increases error rates. Tired employees:

  • Take longer to complete tasks
  • Need more revisions
  • Are less creative and less motivated
  1. Lower Morale and Higher Turnover

Chronic sleep deprivation leads to:

  • Burnout
  • Frustration and irritability
  • Increased absenteeism and sick days

This erodes company culture and increases hiring/training costs.

  1. Cognitive and Communication Failures

Tired brains struggle with:

  • Memory recall
  • Concentration
  • Listening and communication

This can cause miscommunications with clients, vendors, or within teams—hurting reputation and project outcomes.

  1. Poor Customer Experience

Fatigue can cause employees to:

  • Be less attentive or helpful
  • Provide inconsistent service
  • Respond slower or inappropriately to customer needs

This negatively impacts customer satisfaction and retention.

Believe it or not, there are particular times of the day when drivers are most at risk. If you own a business that requires commercial vehicles and regular driving by your employees, take note of these times:

Early morning (2:00 AM – 6:00 AM)

  • This is when the body is at its lowest alertness level.
  • Core body temperature drops, and melatonin levels rise—strong biological cues for sleep.
  • Common among shift workers, long-haul drivers, or people driving after a night of little or no sleep.

Mid-Afternoon (1:00 PM – 3:00 PM)

  • Often referred to as the “afternoon slump.”
  • Even well-rested individuals can feel naturally drowsy due to a second, smaller dip in circadian alertness.
  • Risk is increased if a driver had a large meal or poor sleep the night before.

You can take a proactive approach to keep yourself and your employees safe:

  1. Enforce Rest and Work-Hour Policies
  • Follow legal limits on driving hours (e.g. FMCSA rules for commercial drivers in the U.S.).
  • Set realistic schedules that avoid driver fatigue.
  • Require rest breaks and overnight rest for long hauls.
  • Discourage driving late at night or in the early morning hours (2:00 AM – 6:00 AM)

 

  1. Educate on Fatigue Risks
  • Provide training on:
  • Signs of drowsiness
  • Dangers of microsleeps
  • Safe sleep habits and circadian rhythms

 

  1. Encourage Proper Sleep and Health

Promote wellness programs that include the following:

  • Sleep hygiene education
  • Healthy eating and hydration
  • Stress and time management

 

  1. Use Technology and Monitoring
  • Install driver fatigue monitoring systems or dashcams with AI detection.
  • Use telematics to monitor:

Hours of service

Harsh braking or swerving (signs of drowsiness)

 

Set up automated alerts for extended driving time or late-night activity.

 

  1. Create a Safety-First Culture
  • Make safety a core value, not just a compliance checkbox.
  • Empower drivers to pull over if tired, without fear of punishment and report fatigue or unsafe conditions.
  • Celebrate safety milestones and reward cautious behavior.

 

  1. Maintain Safe Vehicles
  • Regularly inspect brakes, tires, and lights.
  • Ensure vehicles have working air conditioning or heating, comfortable seating for long trips, and first-aid kits and emergency supplies.

 

  1. Avoid Incentives That Encourage Risky Driving
  • Don’t tie bonuses strictly to delivery times or mileage that could pressure drivers to skip rest.
  • Instead, reward safe driving records and incident-free months.

 

  1. Plan Smart Routes
  • Use GPS and logistics in order to minimize drive time, avoid congested or dangerous roads, and include built-in rest stops.

 

The safety of yourself and your employees is of paramount importance to ensure the longevity and prosperity of your business. By taking these steps, you will be well on your way to having a successful business with employees that know that you care about them.

 

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Is My Insurance Affected If I Get a Speeding Ticket?

Getting a speeding ticket can affect your auto insurance in several ways, depending on factors like your driving history, the severity of the offense, and your insurer’s policies. Here’s what typically happens:

  1. Premium Increase
  • First Offense: If it’s your first ticket and you’re otherwise a safe driver, your insurer might not raise your rates much, or at all—especially if it was a minor violation.
  • Repeat Offenses or Major Speeding: Multiple tickets or going significantly over the speed limit (e.g. 20+ mph over) can lead to a noticeable premium increase—often 10% o 25% or more.
  • State Laws & Insurer Policies: Some states regulate how insurers can use traffic violations, and different companies weigh them differently.

 

  1. Loss of Discounts

You might lose “good driver” or “safe driver” discounts, which can lead to a rate hike even if the base premium doesn’t change.

 

  1. Points on Your Driving Record

Most states use a point system. Accumulating points from tickets can lead to:

  • Higher insurance rates.
  • License suspension if enough points add up.
  • License suspension if enough points add up.

 

  1. Policy Non-Renewal or Cancellation

In rare cases, especially with multiple or serious violations, your insurer may choose not the renew your policy or could even cancel it mid-term.

 

 

  1. Duration of Impact

Speeding tickets typically stay on your driving record for 3 to 5 years, depending on the state. Insurers usually consider violations during that window when setting rates.

 

 

What You Can Do

  • Defensive driving course: Some insurers or states allow you to take a course to remove or reduce the impact of a ticket.
  • Fight the ticket: If you believe you were wrongly ticketed, contesting it could keep it off your record.
  • Shop around: If your rates go up, other insurers might offer a better deal, even with a recent ticket.

 

 

 

 

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How to Prepare Your Boat for Summer

Preparing your boat for the summer and following proper safety guidelines are essential for a smooth and safe boating season. By following these tips, you’ll be on your way to having a fun, relaxing, enjoyable summer with the ones you love!

Prepare Your Boat for Summer

  1. Inspect the Hull and Propeller:
  • Look for cracks, blisters, or damage.
  • Check the propeller for dings or distortion and ensure it’s securely attached.

 

  1. Clean and Paint:
  • Clean the hull thoroughly.
  • Apply antifouling paint if you’ll be in saltwater or leaving it in the water long-term.

 

  1. Check the Engine:
  • Change the oil and replace filters.
  • Check and replace the fuel, air, and oil filters if needed.
  • Inspect belts, cables, and hoses for wear.

 

  1. Fuel System:
  • Inspect for leaks or brittle fuel lines.
  • Fill the tank with fresh fuel and add a stabilizer.

 

  1. Battery Check:
  • Fully charge the battery and clean terminals.
  • Test the voltage and replace it if it won’t hold a charge.

 

  1. Cooling System:
  • Flush and refill with fresh coolant if applicable.
  • Check water pumps and impellers.

 

  1. Safety Gear Inventory:
  • Ensure you have enough life jackets and they’re in good condition.
  • Test fire extinguishers and replace if expired.
  • Check flares and signaling devices for expiration.

 

  1. Electronics and Lights:
  • Test navigation and interior lights.
  • Ensure GPS, depth finder, radio, and other electronics work properly.

 

  1. Inspect the Trailer:
  • Check tires, bearings, brakes, and lights.
  • Make sure the winch and straps are functioning.

 

Boat Safety Tips

  1. Wear Life Jackets:
  • Always wear a U.S. Coast Guard-approved life jacket—especially kids and non-swimmers.

 

  1. Check the Weather:
  • Avoid going out in rough or unpredictable weather.

 

 

  1. Tell Someone Your Plan:
  • Share your float plan (where you’re going and when you’ll be back) with a friend or marina.

 

  1. Avoid Alcohol:
  • Don’t drive the boat under the influence—boating under the influence (BUI) is illegal and dangerous.

 

  1. Know Navigation Rules:
  • Understand right-of-way, channel markers, and local boating laws.

 

  1. Emergency Equipment:
  • Carry a first aid kit, whistle, mirror, flashlight, and basic tools.

 

  1. Fire Safety:
  • Keep fire extinguishers readily accessible and regularly inspected.

 

  1. Carbon Monoxide Awareness:
  • Don’t idle in enclosed spaces; install CO detectors if possible.

 

  1. Anchoring Practice:
  • Know how to properly set and retrieve an anchor.

 

  1. Take a Boating Safety Course:
  • Many are offered online or locally and may even reduce insurance rates.
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