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Hitting the road this summer? Be prepared

With gas prices expected to remain relatively low and the current average price of unleaded gasoline at $2.37 per gallon,¹ you can expect another busy summer driving season. With this rise in traffic comes an increase in calls for roadside assistance. Insurance companies are busy preparing for a high number of roadside assistance dispatches for common vacation mishaps, such as a flat tire, dead car battery or keys locked inside the car. The most common calls for roadside assistance from our clients are: towing (54%), jump starts (23%) and flat tires (15%).²

Nationwide Private Client Risk Solutions recommends the following tips to be safe on the road.

Prepare for your road trip

  • Take your vehicle to be inspected by a qualified mechanic several days before you depart.
  • Make sure your vehicle is in good working order for your trip, including but not limited to tires, battery, belts, fluids and air conditioner.
  • Ensure child car seats are properly installed and are size-appropriate.
  • Get a good night’s sleep. Drive only when well rested, and make sure to stop every two hours or 200 miles to stay sharp. Pack an emergency kit, and include:
    • :Water
    • Warm blankets
    • Flashlight
    • Jumper cables
    • Flares or reflectors
    • Tools to change a tire
    • First-aid kit
    • Fully charged cellular phone

Stay safe during a roadside emergency

  • Take action immediately. Pull onto the shoulder and out of traffic as far as possible considering the conditions.
  • Warn others you are having trouble. Use your hazard and warning flashers immediately. Raise the vehicle hood, if safe to do so, to alert passing authorities that the vehicle is disabled and help is needed.
  • Wait for professional help to arrive. Don’t attempt to fix your vehicle unless you have training to do so. In 2016, the wait time for roadside assistance arrival was an average of 30 minutes or less.
  • Don’t exit your car until it’s safe. Don’t exit the vehicle unless it is necessary and safe to do so — especially if you are on a busy road or highway. Don’t stand next to or behind the vehicle. Too often people survive car accidents only to be injured from a secondary accident because they have gotten out of their vehicle.

Insurance overview is for informational purposes only and does not replace or modify the definitions and information contained in individual insurance policies, their endorsements or declaration pages, which are controlling. Terms and availability vary by state and exclusions apply. Products underwritten by Nationwide Mutual Insurance Company and Affiliates, including Crestbrook Insurance – Columbus, OH. Nationwide Private Client, Nationwide, the Nationwide N and Eagle, and Nationwide is on your side are service marks of Nationwide Mutual Insurance Company. ©2017 Nationwide. PVR-0496AO (6/17)


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Water Damage

WATER DAMAGE PREVENTION

Water damage is the second-most frequently filed homeowner insurance claim. In fact, one in 65 homes has a water damage claim each year.

Statistics have shown that we are seven times more likely to experience water damage rather than fire damage and six times more likely to experience water damage than a burglary.

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Cross Dressers?

Yes, Cross Dressers. You may ask yourself: does my insurance cover me if I am sued by a group of cross dressers? No, not your standard Fire & Liability policy, however an EPLI policy that has a 3rd party Endorsement on it will. You just never know who might end up coming after your business.
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“A Stinky Coverage”

Did you know that an often missed coverage or one written with very modest limits is a valuable coverage on most home or property insurance policies? When trying to save money on your property insurance maybe leaving off or not buying more of this Stinky Coverage” doesn’t makes cents BUT could costs you BIG dollars.

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Sexual Harassment

This is a fascinating topic to say the least! It seems like every time we hear about a Sexual Harassment law suit, we cringe and say, “Seriously!? Someone expected to get away with that?” Whether it’s Anthony Weiner, Bob Filner, the Restaurant Manager, the Sous Chef or the Janitor it always seems to be an incredulous situation; and quite frankly stupid and avoidable. I remember one instance seeing a jury summons come in, on it as was a blown up photo copy of a $47 paycheck and in the memo line it said this: “For great Sex!” with the Employers signature on the check right next to this statement.
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Assault & Battery

Every so often when we speak with Restaurant amd Bar Owners, we run into a situation where the client (or potential client) feels that they simply just don’t need Assault & Battery Coverage. I cringe when I hear these types of things: “we just don’t have that type of customer.” “In 25 years I’ve never had a claim!” “It’s not that kind of place.” Unfortunately, if you are serving alcohol, you run the risk of an Assault & Battery claim at any given time and they are never cheap.
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Who is standing outside your door?

When it comes to the Hospitality side of the Insurance Business, far and away one of the most prolific claims we get are that of Assault & Battery. For this reason it is imperative to know who is outside your door, what kind of criminal record do they have and how have they been trained.

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