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Questions to Ask Your Insurance Agent About ATV Insurance

- Tuesday, October 04, 2022
Lallis & Higgins Insurance - ATV

What do outdoor adventures look like for you? Whether it's an ATV, UTV, dirt bike, dune buggy, golf cart or other off-road vehicle (ORV), you'll want to make sure you have the right type of insurance coverage to protect your toys. It's important to ask your independent insurance agent - the right questions about what type of coverage you're seeking and customize it to fit your lifestyle.

1. What typical coverages are available for ATV/UTVs?

Ask your agent or broker about standard coverages that are available, as well as optional ones you might consider. Standard coverages include Collision, Other Than Collision, Liability and Medical Payments. They help provide coverage for damage to your ATV itself or damage or injury that you may cause while riding your ATV.

2. Is my safety apparel covered?

Whether it's helmets, goggles or other clothing that helps minimize injuries from an accident, most companies will offer safety apparel coverage for when these things get damaged. We want riders to be as safe as possible while enjoying the outdoors, so we encourage wearing safety gear.

3. Is there optional equipment coverage available?

Most people have customized or added options to their ATVs. Optional Equipment coverage helps cover things like towable trailers, racks and winch kits for your ATV.

4. Am I able to insure my ATV/UTV year-round?

Year-round coverage is definitely something you may want to consider. Some policies have a lay-up period for colder weather when you may not be able to ride. But when an unusually warm day comes around and you want to take your ATV out, you might be stuck without coverage. A year-round policy lets you take it out whenever Mother Nature's providing good weather and, with some companies, you can do this for the same price as seasonal coverage.

5. What kinds of discounts are available?

Everybody wants to save money. Ask what's available for you. Some companies, like Foremost, offer discounts for things like multi-units, multi-policies, maintaining continuous coverage when you renew and for having prior off-road vehicle insurance.

Your safety is number one to us. Stay safe wherever you choose to go on your off-road vehicle.

For more information, contact Lallis & Higgins Insurance.

Source: foremost.com


Fall Road Trips for Stunning Scenery

- Monday, September 26, 2022
Lallis & Higgins Insurance - Fall Road Trips

Looking for the perfect fall drive to see the best foliage? These road trips offer colorful foliage and incredible views.

This autumn, take advantage of cooler temperatures and beautiful foliage by planning a fall road trip through some of our most scenic regions.

New England's Historic Trails, Massachusetts

This "road trip" should start on foot in Boston: Walk the Freedom Trail, a 2.5-mile, red-lined route that leads you to 16 historically significant sites, then hop in the car and head west through Massachusetts' Berkshires, taking in plenty of fall colors along the way. Make a detour to Northampton or stop in the living museum that is Old Sturbridge Village. Eager for more history? Travel south through Connecticut, leaving New England as you cross through New York to Philadelphia, and visit the Museum of the American Revolution.

Rhode Island

Take a drive through the country's smallest state, which is packed with fall activities without too much drive time between each. Start at the Rail Explorers excursion in Newport, where pedal-powered vehicles trace historic railroad tracks on 90-minute tours. Then head to Bristol to take in some historic mansions like Blithewold. Finally, make your way along Rhode Island's Brewery Trail, which includes 39 watering holes conveniently located off I-95 and State Highways 138 and 114. Don't miss Foolproof Brewing Company in Pawtucket.

Covered Bridges Loop, Connecticut

Take your time exploring the roughly 100-mile loop through the northwest corner of Connecticut.

Pass through the Falls Village in Canaan, where the churches, streets, houses, and the railroad depot still look as they did in the 1800s. The Appalachian Trail runs right through town, so you can follow the white trail markers for a day hike. Pass through the West Cornwall Covered Bridge, which covers 242 feet of the Housatonic River, visit Lake Waramaug State Park for hiking and fall foliage, and then head to Litchfield to marvel at the gardens at White Flower Farm.

Source: travelandleisure.com


Fall Driving Tips

- Monday, September 19, 2022
Lallis and Higgins Insurance

Lallis & Higgins Insurance reminds motorists that wet leaves, fog, sun glare and frost are a few driving hazards they will encounter this fall, but there are steps drivers can take to help make their commutes safer.

As leaves begin to fall, wet leaves on the roadway can be as slippery as ice. They also can obscure traffic lines and other pavement markings, making driving in unfamiliar areas particularly difficult. Motorists should slow down and use extra caution on leaf-covered roadways.

Other fall hazards for motorists can be fog and sun glare. When driving in fog, motorists should use low beam headlights since the high beam setting creates glare and reduces visibility. Not only will headlights enhance visibility of your vehicle, state law requires headlights be on when wipers are in use.

Sun glare can be most problematic during sunrise and sunset, which coincide with morning and evening rush hours. The intense glare from the sun on the horizon can blind a driver, causing an unexpected traffic slowdown. Drivers can prepare for the glare by keeping a set of sunglasses handy, removing clutter from their sun visors and keeping the inside of their vehicle's windshield clean.

Also, morning frost and icy spots on the road can also cause problems as overnight temperatures drop toward freezing. Motorists should pay particular attention to bridges, overpasses and shaded areas on roadways where icy spots can form on the pavement. In addition to exercising caution while driving, motorists should clear their vehicles' windows of frost before travel.

Fall driving tips:

  • Increase your following distance in severe weather, at dusk and dawn and when in an area with wet leaves. If you are being tailgated, let the other driver pass.
  • Check your vehicle's headlights, taillights and turn signals to ensure they are working properly since darkness will be a part of many driver's morning and/or evening commutes. Make sure you turn on your headlights as the sunlight fades.
  • Have your vehicle's heating and wiper systems checked to ensure they are working properly.
  • Be sure you have tires with sufficient tread depth in case of an early season snow.

Fall Roadway Hazards Include Deer

Autumn brings an increase in deer activity, and drivers are reminded to watch carefully for deer darting across and along roadways.

Fall marks the deer's breeding season, and deer pay less attention and become bolder as they move around more and travel greater distances seeking mates. Primarily nocturnal feeders, deer are most active between sunset and sunrise. Other factors that affect the travel patterns of deer in the fall are farmers actively harvesting the last of their crops and preparing for spring planting, increased activity in the woods from hunters seeking game and outdoor enthusiasts enjoying the last remaining days of good weather.

By following a few safety tips, motorists and outdoor enthusiasts can help reduce the possibility of being involved in a crash with a deer. Remember to:

  • Slow down and use caution, particularly where deer crossing signs are posted and increase following distance between vehicles;
  • Make young drivers aware of increased deer movement;
  • Be especially watchful during morning and evening hours when wildlife is most active;
  • Exercise caution when one deer crosses a roadway. Since deer often travel in small herds, one deer will usually be followed by others;
  • Always wear your seat belt;
  • Never drive impaired; and
  • Turn on your headlights if your wipers are on — it's the law.

If a dead deer presents an obvious safety hazard on state roadways, motorists can call 1-800-FIX-ROAD to have the deer removed.

Source: penndot.pa.gov


Where to Place Carbon Monoxide Detectors

- Tuesday, September 13, 2022
Lallis & Higgins Insurance - Carbon Monoxide Detector

Each floor of the home needs a separate detector. If you are getting a single carbon monoxide detector, place it near the sleeping areas and make certain the alarm is loud enough to wake you up.

How do I install my CO alarm?

Follow the installation instructions found in the manufacturer's use and care booklet that accompanies the product. Proper installation is an important factor in receiving optimum performance. It's important to follow these instructions exactly.

Do CO alarms operate differently than smoke alarms?

Although they may look and sound similar, CO alarms and smoke alarms are designed and intended to detect two separate, distinct hazards. Therefore, to help protect your family from both hazards, it's important to install both UL Listed CO alarms and smoke detectors.

How do I take care of my CO alarm?

Like smoke detectors, CO alarms need to be tested regularly and cleaned as indicated in the manufacturer's use and care booklet. If the unit operates off a battery, test the detector weekly and replace the battery at least once a year.

Should I follow any safety tips for using and maintaining my CO alarms?

As with any product, read the manufacturer's use and care booklet for installation and maintenance guidelines. Keep these instructions on file for future reference.

If your unit operates off the battery, never allow anyone to "borrow" the battery. Like any appliance or power tool, a CO alarm can't work unless it has a functioning power source.

Source: epa.gov


5 Tips For New Parents During Baby Safety Month

- Monday, September 05, 2022
Lallis and Higgins Insurance - Baby Safety Month

Congratulations on your new baby. You're going to be a great parent, and we'll be right here with you so you're not alone. September is Baby Safety Month so it’s a perfect time for these 5 safety tips.

  1. Check to make sure your car seat is installed correctly. We have several options, including virtual and online.
  2. Before putting your baby down for a nap or for the night, remember that a firm mattress and fitted sheet are all you need for your baby’s crib. Remove blankets and toys from the crib and use a sleep sack on colder nights. Learn more about sleep safety.
  3. Place your baby’s crib and other furniture away from windows to avoid falls or strangulation. Your baby is safer without any strings or cords within reach. Learn more about falls prevention and choking prevention.
  4. Remember to set your water heater to 120° F to avoid scalds. This will make sure that the water never gets to a point that could injury the baby. Learn more about burn prevention.
  5. Install a working smoke alarm AND a carbon monoxide alarm on every level of your home, and in all sleeping areas. This is an important tip for not just baby safety, but family safety as well. And please test the alarms regularly to make sure they work.

Source: safekids.org


Labor Day Weekend Safety

- Friday, September 02, 2022
Lallis & Higgins Insurance

The Labor Day holiday is here and many of us will take to the highway for the “last” weekend of summer, perhaps to a pool, the beach, or the great outdoors. The American Red Cross wants you to enjoy your holiday and stay safe by following these tips:

DRIVING SAFETY

If traveling by vehicle is part of your plans these safety steps are for you:

  • Be well rested and alert, use your seat belts, observe speed limits and follow the rules of the road. Clean your headlights and turn them on as dusk approaches or in inclement weather.
  • Don’t drink and drive. Have a designated driver available.
  • Give your full attention to the road. Avoid distractions such as cell phones.
  • Use caution in work zones. There are lots of construction projects underway on the highways.
  • Don’t follow other vehicles too closely.

HEAT SAFETY

  • Stay hydrated by drinking plenty of fluids. Avoid drinks with caffeine or alcohol.
  • Avoid extreme temperature changes.
  • Wear loose-fitting, lightweight, light-colored clothing. Avoid dark colors because they absorb the sun’s rays.
  • Slow down, stay indoors and avoid strenuous exercise during the hottest part of the day.
  • Postpone outdoor games and activities.

BEACH SAFETY

  • If you plan to swim in the ocean, a lake or river, be aware that swimming in these environments is different than swimming in a pool. Be sure you have the skills for these environments.
  • Swim only at a beach with a lifeguard, within the designated swimming area. Obey all instructions and orders from lifeguards and ask them about local conditions.
  • Make sure you swim sober and that you always swim with a buddy. Know your limitations and make sure you have enough energy to swim back to shore.
  • Protect your neck – don’t dive headfirst. Walk carefully into open waters. Watch out for and avoid aquatic life. Water plants and animals may be dangerous.
  • If you are caught in a rip current, try not to panic. Signal to those on shore that you need assistance. Swim parallel to the shore until you are out of the current. Once you are free, swim toward shore. If you can't swim to the shore, float or tread water until you are free of the rip current and then head toward shore.

BE SAFE IN THE GREAT OUTDOORS

    Being prepared is critical when people are out in remote areas with limited access to phone service, hospitals and emergency help. Before you head out, follow these steps:

    • Take a Red Cross First Aid/CPR course so that you will know what to do in case help is delayed. You’ll learn how to treat severe wounds, broken bones, bites and stings and more.
    • Know the level of ability of the people in your group and the environment around you. Plan accordingly. Sprains and falls are some of the most common misfortunes travelers may face.
    • Dehydration is also a danger. People planning a camping trip should plan for these dangers.
    • Share your travel plans and locations with a family member, neighbor or friend.
    • Pack a First Aid Kit – make sure to include insect repellant, sunscreen and personal medications.
    Source: redcross.org


September is National Preparedness Month

- Thursday, September 01, 2022
Lallis & Higgins Insurance - National Preparedness Month

National Preparedness Month is an observance each September to raise awareness about the importance of preparing for disasters and emergencies that could happen at any time.

In 2021, FEMA’s Ready Campaign and the Ad Council broke ground by producing the first-ever national preparedness campaign specifically targeting the Latino community for National Preparedness Month. Released during Hispanic Heritage month, the advertisements centered around the Latino community’s commitment to personal planning for occasions and family milestones as a bridge to also planning for disasters.

This one-of-a-kind campaign is committed to putting people first and reaching communities where they are. To continue these efforts, this year’s National Preparedness Month campaign will feature a call to action for the Black and African American community.

This year’s national public service announcements are being developed and will be released throughout the country this September, to help get preparedness information into the hands of those who live in underserved communities.

Source: ready.gov/september


Back-to-School Tips

- Monday, August 22, 2022
Lallis & Higgins Insurance - Back-to-School Tips

Before it's time to head back to school, follow these tips to help ensure your kids have a safe, happy and productive year.

Make the first day easier

  • Remember that you don't need to wait until the first day of class to ask for help. Schools are open to address any concerns a parent or child might have, including the specific needs of a child, over the summer. The best time to get help might be one to two weeks before school opens.
  • Many children get nervous about new situations, including changing to a new school, classroom or teacher. This may happen at any age. If your child seems nervous, it can be helpful to rehearse heading into the new situation. Take them to visit the new school or classroom before the first day of school. Remind them that there are probably a lot of students who are uneasy about the first day of school. Teachers know that students are nervous and will make an extra effort to make sure everyone feels as comfortable as possible. If your child seems nervous, ask them what they are worried about and help them problem-solve ways to master the new situation.
  • Point out the positive aspects of starting school to help your kids look forward to the first day of class. Talk about how they will see old friends and meet new ones, for example.
  • Find another child in the neighborhood you child can walk to school or ride with on the bus.
  • If it is a new school for your child, attend any available orientations and take an opportunity to tour the school before the first day. Bring your child to school a few days prior to class to play on the playground and get comfortable in the new environment.
  • If you feel it is needed, drive your child (or walk with them) to school and pick them up on the first day. Get there early on the first day to cut down on unnecessary stress.
  • Consider starting your child on their school sleep/wake schedule a week or so ahead of time so that time change is not a factor on their first couple of days at school.

Backpack safety

  • Choose a backpack with wide, padded shoulder straps and a padded back.
  • Organize your child's backpack to use all of its compartments. Pack heavier items closest to the center of the back. The backpack should never weigh more than 10% to 20% of your child's body weight. Go through the pack with your child weekly, and remove unneeded items to keep it light.
  • Remind your child to always use both shoulder straps. Slinging a backpack over one shoulder can strain muscles.
  • Adjust the pack so that the bottom sits at your child's waist.
  • If your school allows, consider a rolling backpack. This type of backpack may be a good choice for students who must tote a heavy load. Remember that rolling backpacks still must be carried up stairs, they may be difficult to roll in snow, and they may not fit in some lockers. And review backpack safety with your child.

Traveling to & from school

Review the basic rules with your student and practice any new routes or modes of transportation:

School bus

  • Children should always board and exit the bus at locations that provide safe access to the bus or to the school building.
  • Remind your child to wait for the bus to stop before approaching it from the curb.
  • Make sure your child walks where she can see the bus driver (which means the driver will be able to see them, too).
  • Remind your student to look both ways to see that no other traffic is coming before crossing the street, just in case somebody does not stop as required. Encourage your child to actually practice how to cross the street several times before the first day of school.
  • If the school bus has lap/shoulder seat belts, make sure your child uses one at all times when in the bus. (If your child's school bus does not have lap/shoulder belts, encourage the school system to buy or lease buses with lap/shoulder belts). See Where We Stand: Safety Restraints on the School Bus for more information. Your child should not move around on the bus.
  • Check on the school's policy regarding food on the bus. Eating on the bus can present a problem for students with allergies and also lead to infestations of insects and vermin on the vehicles.
  • If your child has a chronic condition that could result in an emergency on the bus, make sure you work with the school nurse or other school health personnel to have a bus emergency plan. If possible, do this before the first day of class.

Car

  • All passengers should wear a seat belt or use an age- and size-appropriate car seat or booster seat.
  • Keep your child riding in a car seat with a harness as long as possible and then ride in a belt-positioning booster seat. Your child is ready for a booster seat when they have reached the top weight or height allowed for their seat, their shoulders are above the top harness slots, or her ears have reached the top of the seat.
  • Your child should ride in a belt-positioning booster seat until the vehicle's seat belt fits properly (usually when the child reaches about 4' 9" in height and is between 8 to 12 years of age). This means that your child is tall enough to sit against the vehicle seat back with their legs bent at the knees and feet hanging down and the shoulder belt lies across the middle of the chest and shoulder, not the neck or throat; the lap belt is low and snug across the thighs, not the stomach.
  • All children younger than 13 years of age should ride in the rear seat of vehicles. If you must drive more children than can fit in the rear seat (when carpooling, for example), move the front-seat passenger's seat as far back as possible and have the child ride in a booster seat if the seat belts do not fit properly without it.
  • Remember that many crashes occur while novice teen drivers are going to and from school. Remind your teen to wear their seat belt, limit the number of teen passengers, and do not allow eating, drinking, cell phone conversations (even when using hands-free devices or speakerphone), texting or other mobile device use to prevent driver distraction. Familiarize yourself with your state's graduated driver's license law and consider the use of a parent-teen driver agreement to facilitate the early driving learning process. See here for a sample parent-teen driver agreement.

Bike

  • Practice the bike route to school before the first day of school to make sure your child can manage it.
  • Always wear a bicycle helmet, no matter how short or long the ride.
  • Ride on the right, in the same direction as auto traffic and ride in bike lanes if they are present.
  • Use appropriate hand signals.
  • Respect traffic lights and stop signs.
  • Wear bright-colored clothing to increase visibility. White or light-colored clothing and reflective gear is especially important after dark.
  • Know the "rules of the road."

Walking to school

  • Children are generally ready to start walking to school at 9 to 11 years of age.
  • Make sure your child's walk to school is a safe route with well-trained adult crossing guards at every intersection.
  • Identify other children in the neighborhood with whom your child can walk to school. In neighborhoods with higher levels of traffic, consider organizing a "walking school bus," in which an adult accompanies a group of neighborhood children walking to school.
  • Be realistic about your child's pedestrian skills. Because small children are impulsive and less cautious around traffic, carefully consider whether or not your child is ready to walk to school without adult supervision. If the route home requires crossing busier streets than your child can reasonably do safely, have an adult, older friend or sibling escort them home.
  • If your children are young or are walking to a new school, walk with them or have another adult walk with them the first week or until you are sure they know the route and can do it safely. If your child will need to cross a street on the way to school, practice safe street crossing with them before the start of school.
  • Bright-colored clothing or a visibility device, like a vest or armband with reflectors, will make your child more visible to drivers.
Source: https://healthychildren.org/

Free Inspection Offer for RV Customers

- Tuesday, August 16, 2022
Lallis and Higgins Insurance, Weymouth, MA

Foremost® Insurance is helping your motor home and travel trailer customers get road ready this season with a free RV inspection from a participating Camping World® facility! We will be communicating this offer to customers in policy packets starting in August 2022.

To set up their free inspection, customers will need to visit CampingWorld.com to find the participating location of their choice. Once an inspection is scheduled and completed, customers will receive a form from the facility with the findings. If any repairs are recommended or found to be necessary, customers can then make another appointment to have them done at the same Camping World shop, or at the repair facility of their choice. All of this information will be communicated to the customer in detail in their policy packet. This program is just one more way Foremost Insurance is offering A Better Insurance Experience.®

If you have any questions, please contact Lallis & Higgins Insurance.


Protect Yourself and Your Family from Mosquito Bites

- Monday, August 08, 2022
Lallis & Higgins Insurance - Mosquito Bite

Use insect repellent

Use Environmental Protection Agency (EPA)-registered insect repellents with one of the active ingredients below. When used as directed, EPA-registered insect repellents are proven safe and effective, even for pregnant and breastfeeding women.

  • DEET
  • Picaridin (known as KBR 3023 and icaridin outside the US)
  • IR3535
  • Oil of lemon eucalyptus (OLE)
  • Para-menthane-diol (PMD)
  • 2-undecanone

Tips for babies and children

  • Dress your child in clothing that covers arms and legs.
  • Cover strollers and baby carriers with mosquito netting.
  • When using insect repellent on your child:
    • Always follow label instructions.
    • Do not use products containing oil of lemon eucalyptus (OLE) or para-menthane-diol (PMD) on children under 3 years old.
    • Do not apply insect repellent to a child’s hands, eyes, mouth, cuts, or irritated skin.
    • Adults: Spray insect repellent onto your hands and then apply to a child’s face.

Tips for everyone

  • Always follow the product label instructions.
  • Reapply insect repellent as directed.
    • Do not spray repellent on the skin under clothing.
    • If you are also using sunscreen, apply sunscreen first and insect repellent second.

Natural insect repellents (repellents not registered with EPA)

  • We do not know the effectiveness of non-EPA registered insect repellents, including some natural repellents.
  • To protect yourself against diseases spread by mosquitoes, CDC and EPA recommend using an EPA-registered insect repellent.
  • Choosing an EPA-registered repellent ensures the EPA has evaluated the product for effectiveness.
  • Visit the EPA website to learn more.

Wear long-sleeved shirts and long pants

Treat clothing and gear

  • Use 0.5% permethrin to treat clothing and gear (such as boots, pants, socks, and tents) or buy permethrin-treated clothing and gear.
    • Permethrin is an insecticide that kills or repels mosquitoes.
    • Permethrin-treated clothing provides protection after multiple washings.
    • Read product information to find out how long the protection will last.
  • If treating items yourself, follow the product instructions.
  • Do not use permethrin products directly on skin.

Take steps to control mosquitoes indoors and outdoors

  • Use screens on windows and doors. Repair holes in screens to keep mosquitoes outdoors.
  • Use air conditioning, if available.
  • Stop mosquitoes from laying eggs in or near water.
    • Once a week, empty and scrub, turn over, cover, or throw out items that hold water, such as tires, buckets, planters, toys, pools, birdbaths, flowerpots, or trash containers.
    • Check for water-holding containers both indoors and outdoors.

Source: cdc.gov



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