Auto Insurance | Boizelle Insurance Partnership

What Supplies Should I Keep In My Car In Case of An Emergency?

It’s always a good idea to be prepared for unexpected situations when you’re on the road. Here’s a comprehensive list of emergency supplies you should keep in your car:

Essential Tools & Equipment

1. Spare Tire, Jack, and Lug Wrench – In case you get a flat
2. Tire Pressure Gauge – To ensure your tires are properly inflated.
3. Jumper Cables – For starting a dead battery.
4. Tow Rope or Tow Strap – Useful if you need t o be pulled out of a tough spot.
5. Road Flares or Reflective Triangles – To signal for help or mark your location if you’re stuck.
6. Flashlight (with extra batteries) – To see and be seen in the dark.
7. Basic Tool Kit – Screwdrivers, pliers, tape, utility knife, and adjustable wrench for small repairs.
8. Duct Tape – For temporary fixes of broken parts or leaks.
9. Multi-tool or Swiss Army Knife – Versatile for various tasks.

Safety & First Aid

1. First Aid Kit – Includes bandages, antiseptic, gauze, pain relievers, tweezers, and any personal medications.
2. Seatbelt Cutter and Window Breaker – A specialized tool emergencies in the event of an accident.
3. Fire Extinguisher – A compact, car-rated fire extinguisher.
4. Blanket or Emergency Space Blanket – To keep warm in case you’re stranded.
5. Work Gloves – To protect your hands while handling debris, tools, or doing any repairs.
6. Whistle – For signaling for help if you’re stranded.

Food & Water

1. Bottled Water – At least a couple of bottles to stay hydrated.
2. Non-perishable Snacks – Granola bars, nuts, or energy bars to keep your energy up if you’re stranded.
3. Electrolyte Drink Mix – In case you need to rehydrate after a long wait.

Weather Protection

1. Rain Poncho or Waterproof Gear – Stay dry during unexpected rain.
2. Sunscreen – For protection if you’re stranded in the heat.
3. Hand Warmers – Small, disposable warmers for cold weather.
4. Shovel – A small foldable shovel can help dig out snow or mud if you’re stuck.

Navigation & Communication

1. Portable Phone Charger (Power Bank) – Keep your phone charged in case you need it for emergencies.
2. Car Charger for Your Phone – In case your phone is running low on battery.
3. Paper Map or Atlas – a backup in case GPS fails.
4. Pen and Paper – For leaving notes or writing down important information.

Personal & Comfort Items

1. Spare Clothes – An extra set of clothes, especially socks and underwear, in case of an emergency.
2. Sanitary Supplies – Wet wipes, hand sanitizer, and tissues for hygiene.
3. Trash Bags – To keep your car clean and dispose of waste properly.

Special Considerations

• Seasonal Items: If you’re in a cold region, you might want to add a bag of sand or kitty litter (for traction on ice), a snow brush, or ice scraper. If you’re in a hot region, you may need a sunshade for the windshield to keep your car cooler.
• Car Documentation: Keep your car insurance, registration, and emergency contact information in a small folder or zippered pouch.

Optional but Useful

1. Emergency Sleeping Bag or Tent – If you’re traveling in a remote area.
2. Portable Stove or Cooking Gear – For extended emergencies, especially on long road trips.
3. Hand Crank Radio – To listen for weather updates or news if you’re stranded for a while.

Keeping these items in your car can make a big difference in an emergency, and it doesn’t take up much space. Be sure to check your supplies regularly to ensure everything is in good working order, especially batteries, food, and water!

Is My New Car Covered Under My Auto Insurance Policy?

Buying a new car is not always a simple process. There are a lot of different factors that go into making the decision on which car you should purchase. Everything from color, fuel economy, price, condition, to the quality of the stereo system, it’s definitely an important decision you will make. But, how do you know if the car you purchased is covered under your current auto insurance policy?

Whether your new car is covered under your auto insurance policy depends on several factors:

1. Types of Coverage:

• Comprehensive and Collision Coverage: If you have comprehensive or collision coverage on your existing car, those coverages might extend to your new car for a short period. Most insurance policies offer a grace period (typically 14-30 days) after purchasing a new vehicle. During this period, your insurer will often automatically extend your existing coverage to the new car.
• Liability Coverage: If you only have liability insurance, it may not automatically extend to the new car. Liability insurance typically covers damage to other people and their property, not your own vehicle.

2. Insurance Company Policy: Every insurer has different rules about coverage for newly acquired vehicles. Some may automatically extend coverage, while others may require you to notify them about the new car right away.

3. State Requirements: Insurance requirements and rules can vary depending on the state where you live, so it’s important to verify what applies to your specific situation.

What You Should Do:

• Check with Your Insurer: It’s a good idea to contact your insurance company as soon as possible to confirm whether your new car is covered and for how long.
• Update Your Policy: Once you confirm the coverage, you’ll need to add the new car to your policy officially, especially if you need to adjust the coverage limits or add additional protections (e.g. gap insurance, comprehensive, or collision coverage).

If you’re unsure about your current coverage or need help navigating the details, give us a call at 301-948-2010.

How Much Car Insurance Do I Need?

Determining how much car insurance is enough depends on several factors, including your state’s minimum requirements, your personal assets, and your driving habits. Here are some key points to consider:

1. State Requirements: Each state has minimum liability coverage limits. Ensure you meet or exceed these requirements.
2. Liability Coverage: Consider higher liability limits to protect your assets. Many experts recommend at least $100,000 per person and $300,000 per accident for bodily injury, along with $100,000 for property damage.
3. Collision and Comprehensive: If your car is newer or worth a significant amount, collision and comprehensive coverage can be important. This covers damages to your own vehicle from accidents, theft, or natural disasters.
4. Personal Assets: If you have substantial savings or property, higher liability limits can help protect those assets in case of a lawsuit.
5. Uninsured/Underinsured Motorist Coverage: This is important in case you’re in an accident with someone who doesn’t have sufficient insurance.
6. Deductibles: Choose a deductible amount that you can comfortably pay out of pocket in the event of a claim.
7. Your Driving Habits: If you frequently drive in high-traffic areas or have a long commute, you might want more coverage.
8. Financial Situation: Assess what you can afford in premiums versus the potential costs of an accident.

We understand that not everyone’s situation is the same, so call us at 301-948-2010 and one of our experienced insurance professionals will happily discuss any questions or concerns you may have regarding your insurance coverages.

How Should I Drive In Heavy Rain?

When you’re operating a motor vehicle, you should always be cautious and mindful of your surroundings. One of the best actions you can take is to assume that someone else on the road is going to make a mistake. This mindset will automatically put you into a defensive driving mode. And while we shouldn’t live our lives believing that we will undoubtedly be injured by another driver on the road, if you pay attention to the road and minimize your distractions, chances are that you will not be the one responsible for the accident.

Driving in heavy rain requires extra caution and adjustments to ensure safety. Here are some tips to help you navigate safely:

1. Slow Down: Reduce your speed to match to the road conditions. Wet roads can be slippery, and driving too fast increases the risk of losing control.
2. Increase Following Distance: Allow for more space between you and the vehicle in front of you. This gives you more time to react to sudden stops or emergencies.
3. Use Headlights: Turn on your headlights to improve visibility for yourself and for other drivers. Avoid using high beams, as they can reflect off the rain and reduce visibility.
4. Avoid Sudden Movements: Make smooth and gradual steering, braking, and acceleration to prevent skidding.
5. Be Aware of Hydroplaning: Hydroplaning occurs when your tires lose contact with the road due to a layer of water. If you start hydroplaning, ease off the gas and gently steer in the direction you want to go. Avoid braking suddenly.
6. Check Your Tires: Ensure your tires have adequate tread depth and are properly inflated. Good tires are crucial for maintaining traction in wet conditions.
7. Use Windshield Wipers and Defrosters: Make sure your wipers are in good condition and use them as needed. Turn on the defroster to keep your windshield clear of fog.
8. Avoid Puddles: Steer clear of large puddles, as they can be deeper than they appear and may cause you to lose control.
9. Stay in Your Lane: Rain can make road markings less visible, so be especially attentive to stay in your lane and avoid drifting.
10. Plan for Extra Time: Allow for additional travel time to account for slower speeds and potential traffic delays.

By following these guidelines, you can help ensure a safer driving experience in heavy rain.