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1) Clean off your car (don’t forget the roof, lights, and hood.)

2) Check the following things periodically

• Ignition system
• Fuel system
• Belts
• Hoses
• Fluid levels
• Brakes
• Exhaust system
• Wiper blades
• Defroster
• Antifreeze
• Cooling system
• Battery
• Lights
• Tire tread and pressure

3) Keep your gas above half tank-

-Try and keep your gas at full tank to avoid gas line freezing

4) When checking your tires and treads

-Make sure there is 1/8 inch tire tread & that they’re properly inflated.
-A good idea is to get snow tired or chains for traction.

Be Prepared

1) Keep the following winter supplies-

• Jumper Cables
• Multiple Blankets
• Snow Shovel & scraper
• Flashlight with extra batteries
• Extra Clothing
• High Calorie/non-perishable food (ex: canned nuts, dried fruits, hard candy)
• First aid kit
• Sand or strips of carpet (for traction)
• Tow Rope
• Cell Phone
• A jack, lug wrench, and spare tire

2) Check conditions & weather information before going out

-If the roads are bad, decide if it’s really worth the risk of leaving.
-Only drive when absolutely necessary.

3) Tell someone where you’re going and when your expect to arrive.

4) Brakes – knowing the difference before you drive

-ABS (Automatic breaking system) – If you have this system you should hold the brakes with constant pressure and don’t pump them

-Standard Brakes – If your car isn’t equipped with ABS brakes then you should pump them instead of using constant pressure.

(You’ll find which type you have simply by looking in your driver’s manual.)

Driving safely

• You should always wear it, but make sure you put on a seat belt.
• Reduce your speed
• Speed limit signs are for dry pavement conditions
• Leave plenty of room for stopping
• Brake early, slowly, and smoothly (no sudden stops)
• Leave plenty of room between you and the car ahead of you (8-10 second distance)
• Think ahead while driving. (Slow down early) if you know there’s a big turn ahead
• Don’t use cruise control
• You need control when you lose traction.

1) If you rear wheels skid-

1. Take your foot off the gas
2. Steer where you want the front wheels to go
   -Sliding right – steer right
   -Sliding left – steer left
3. Either pump or apply constant pressure to your brakes (depending on which type you have)(See earlier in article)

2) If your front wheels skid-

1. Take your foot off the gas & shift to neutral, don’t try to steer immediately
2. As your wheels skid sideways the car will slow down & traction will return.
3. After you gain some traction steer in the direction you want to go in.
4. Then shift back into drive or release the clutch, and accelerate gently.

If you get stuck

1. Don’t spin your wheels (they will dig deeper)
2. Turn your wheels back and forth (to get snow out of your way)
3. Accelerate very slowly & gently (ease your way out)
4. Use a shovel to move snow away from your tires
5. Use the sand or carpet strips to get traction
6. Rock the car back and forth (check owners manual before trying this to see if damage would be done to your transmission.

If you become stranded

1. Call 911
2. Stay in your car and don’t leave unless necessary.
3. Only leave if you know where you are
4. Make yourself visible
   -Light flares in front and in back of your car a safe distance away
5. If the exhaust isn’t blocked run the engine in 10 minute intervals for heat. (Watch your gas level though)
6. Keep a window open slightly
   -Snow and ice could seal your vehicle shut.
7. Eat hard candy. This will keep your mouth moist.
8. Avoid overexertion (ex: from pushing your car)

If you’re in an accident

1. See if anyone’s injured
2. Call 911 if necessary
3. Move your car off the road if possible
4. Exchange:
   • Name
   • Address
   • Drive license number
   • Vehicle registration
   • Insurance Information

Insurance

Have good auto insurance in case your car is submissive to the winter weather -
You can save today, up to 70% off at FloreyInsurance.com across all of Pennsylvania
Don’t wait until it’s too late, get your free quote today.

Florey Insurance Agency - Auto Home Life Business Health

In these hard economic times, money is always tight. And right around the holidays it gets a lot tighter. Some gifts here, cards there…things sure add up pretty quick! Florey is an agency who can relate to all of our customers. We know what it’s like and we love to help you when the going gets tough! There’s no better time to get insured by us. We’ll save you money quickly and hassle-free! Any time you hop onto our website you will see the option to get a free quote. There’s no reason you shouldn’t at least SEE what you could be saving. Who knows it might be some incentive to keep a couple extra hundred dollars in that wallet of yours. For the holiday season we have a full staff who is ready to help you in every way they can, and with over 35 available discounts and cooperation of multiple companies its easy for us to help you out! Also, here at Florey we like to consider ourselves “technologically advanced” (haha). We have a couple locations that hold our Insurance Kiosks where you can go to access our free quote service and speak to a licensed agent via webcam! This option is also available to those who would rather deal from home. If you don’t have computer access we still make housecalls and take regular phone calls. Any way you wish to do it, we’re here to accommodate you. So keep us in mind! www.floreyinsurance.com

Florey Insurance Agency - Auto Home Life Business Health

Florey Insurance Agency - Auto Home Life Business Health

This is why you need life insurance!! Sometimes you do not know what can happen, so you need to be prepare for the unexpected. Florey Insurance Agency can help you save up to 70% on your life insurance and other insurance that you may want or need. For example, car insurance, health insurance, business insurance and many others.

Florey Insurance Agency - Auto Home Life Business Health

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Florey Insurance Agency - Auto Home Life Business Health

Florey Insurance Agency - Auto Home Life Business Health

Florey Insurance Agency - Auto Home Life Business Health

YOU COULD BE COMMITTING A THIRD DEGREE FELONY IF YOU DON’T KNOW ABOUT THIS!

The Pennsylvania Legislature has passed the “Pennsylvania Home Improvement Consumer Protection Act”, which will go into effect starting July 1, 2009, and will affect home improvement contractors immensely.

Under this act, all contractors in the state of Pennsylvania MUST register with the Bureau of Consumer Protection in the Office of Attorney General.

NO HOME IMPROVEMENT CONTRACT SHALL BE VALID OR ENFORCEABLE AGAINST AN OWNER UNLESS THE CONTRACTOR MAINTAINS THE REQUIRED PROOF OF LIABILITY INSURANCE.

The most essential part of this act is the REQUIRED proof of liability insurance covering personal injury in an amount not less than $50,000 and insurance covering property damage caused by the work of a home improvement contractor in an amount not less than $50,000.

THIS ACT APPLIES TO ALL TYPES OF HOME IMPROVEMENT WORK INCLUDING

- Repair

- Replacement

- Remodeling

- Demolition

- Removal

- Renovation

- Installation

- Alteration

- Conversion

- Modernization

- Improvement

- Rehabilitation

- Sandblasting

THIS ALSO APPLIES TO THE CONSTRUCTION, REPLACEMENT, INSTALLATION, OR IMPROVEMENT OF:

- Driveways

- Swimming Pools

- Pool Houses

- Porches

- Garages

- Roofs

- Siding

- Insulation

- Solar Energy Systems

- Security Systems

- Flooring

- Patios

- Fences

- Gazebos

- Sheds

- Cabanas

- Painting

- Doors, Windows, Waterproofing

There are 2 exceptions to this act:

1. The first exception for a contractor is a person for whom the total cash value of all of that person’s home improvements is less than $5,000 during the previous taxable year.

2. The second exception is a home improvement retailer having a net worth of more than $50,000,000 or an employee of that retailer that does not perform home improvements.

The act defines a contractor as “any person who owns and operates a home improvement business or who undertakes, offers to undertake or agrees to perform any home improvement. The term ‘contractor’ includes a subcontractor or independent contractor who has contracted with a home improvement retailer, regardless of the retailer’s net worth, to provide home improvement services to the retailer’s customers.”

The act basically defines home improvement as work done regarding land or a portion of land neighboring a private residence or building or a portion of a building which is to be used as a private residence for which the total cash price of all work agreed upon between the contractor and owner is more than $500.

Click here to view to printable version of the Pennsylvania Home Improvement Consumer Protection Act (PDF)

Or visit us here

For more information regarding registering or if you would like to discuss your insurance needs, give the people at Florey Insurance Agency a call at 1-800-231-3227 or email us at tflorey@msn.com.

Florey Insurance Agency - Auto Home Life Business Health

The Pennsylvania Motor Vehicle Financial Responsibility Law (PMVFRL) – An amendment was made to the PMVFRL on July 1, 1990 by Act 6 to attempt to reduce the high rates for car insurance and lower those driving with no auto insurance coverage. The act states that an owner of a vehicle is required to show “financial responsibility” at the time of registration”.

Financial Responsibility – the ability to respond to liability on account of accidents arising out of the maintenance or use of a motor vehicle. This basically means that you are liable, or responsible, for damage or injury to another person or their property in the event of an accident.

Pennsylvania Minimum Limits of Liability – the minimum limits of liability in Pennsylvania are: $15,000 for bodily injury to an individual in any one accident; $30,000 for bodily injury to two or more people in an accident; and $5,000 damage to property owned by another individual in an accident.

Bodily Injury Liability – pays others when you are responsible for causing injuries and includes medical and rehabilitation expenses, and noneconomic damages such as pain and suffering.

Property Damage Liability – pays others when you are responsible for damage to their property.

Limited Tort – limits your right to sue to “specific out-of-pocket” expenses. The exception is cases involving serious injury or death, in which you can sue for pain and suffering.

Full Tort – DOES NOT limit your right to sue. This means that you could potentially collect both specific damages and also noneconomic damages. “Specific damages” are damages such as medical expenses and loss of income, while “noneconomic damages” are ones such as pain and suffering.

First Party Benefits – are benefits that are payable to you. The following is a list of First Party Benefits:

- Medical Benefits: reasonable and necessary medical and rehabilitative services and are paid regardless of fault.

- Extraordinary Medical Benefits: medical and rehabilitation expenses in excess of $100,000; and is an optional coverage that can be purchased in $100,000 increments up to $1,100,000. Payments are limited to $50,000 per year during the first 18 months following an accident.

- Income Loss Benefits – pays loss of income to you if you are injured in an auto accident. This is an optional coverage and is limited to 80% of loss of gross income up to $2,500 per month and up to a maximum of $50,000. A 5 day waiting period applies to this benefit.

- Funeral Benefit: pays the funeral, burial, or cremation expenses if you die in a car crash within 24 months from the date of the accident (an example would be if you are hospitalized as a result of the crash and you die while hospitalized less than 24 months after the date of the crash).

- Accidental Death Benefit: basically the same as funeral benefit, except that if accidental death were to pay, the highest amount possible is $25,000 instead of $2,500 with the funeral benefit.

Uninsured Motorist (UM) insurance – this pays for bodily injuries caused by an uninsured motorist, or someone who does not have auto insurance. It is optional coverage that is required by law to be signed as either accepted or rejected coverage.

Underinsured Motorist (UIM) insurance – this pays for bodily injuries caused by a motorist whose insurance policy carries bodily injury limits that are too low. This, like UM, is an optional coverage and must be rejected if not desired.

Stacking – means that in the same type of accident, coverage limits would be the sum of the uninsured or underinsured motorist coverage limits for all of the autos insured under the policy. An example would be someone who insures two vehicles on a policy with UM and UIM of $100,000 for each car, then each auto would be insured to up to $200,000 in the event that UM or UIM must be used.

Comprehensive coverage – comprehensive, also known as “comp” or “other-than-collision”, means any type of loss that is not collision. Some examples include falling objects, fire, theft, and hail.

Collision Coverage – collision can basically be defined as colliding into another object with your car such as a structure, another automobile, etc.

Transportation Expense – this provides temporary transportation expense of up to $50 per day up to a maximum of $1,500 total in the event your car gets stolen or it is damaged and it is insured for collision and/or other than collision.

Loan/Lease Payoff Coverage – this pays the difference between what you owe on the vehicle and what the insurance pays if your car is determined to be a total loss (or commonly considered “totaled”) or is stolen and not recovered, after the comprehensive or collision deductible is applied. You need both comp and collision on your policy before Loan/Lease Payoff Coverage can be added.

Repair Replacement Collision Coverage – applies to vehicles under a certain number of years old, usually 5, from the year of the current policy. In the event of a collision of an auto carrying this coverage, the company will pay for either reasonable repair costs with part that are of like kind and quality, or the cost of a new car; whichever one is less expensive. Like most other coverage options, there is a deductible for this coverage (usually $500).

Get a free quote!

Florey Insurance Agency - Auto Home Life Business Health