I’m a safe driver. I don’t do risky things. Someone I know would never sue me.
Sound like something you’d say? When it comes to truly terrible events, many people have an “It can’t happen to me” mentality. This belief is not only false—it’s also dangerous.
“Believe me when I say a
catastrophic event can happen to anyone,” says Scott Brown, a supervisor in the Erie Insurance Claims Department with 38 years of experience. “Most of the serious cases we see involve simple negligence, not recklessness.”
A few examples
Many of the catastrophic cases Scott has seen over the years involve cars. Surprisingly, most do not involve alcohol or drugs.
“Everybody believes they are superior drivers, but we all make
mistakes on the road,” says Scott. “Anything from a momentary distraction to poor weather can contribute to an accident.”
Accidents can have major repercussions if you injure someone else. The same applies if you hit an expensive vehicle like a brand-new luxury car or a commercial truck.…
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Your home is your castle, and nothing beats a warm night inside when the cold sweeps in.
But while your home protects you from bone-chilling weather, it’s under attack from blowing winds and frigid chills. One of the biggest dangers to your home during this time of year is frozen water pipes.
There is still plenty of time for Mother Nature to wreak havoc this winter. Help spare your home by following these tried-and-true tips for preventing frozen pipes.
What causes frozen water pipes and what makes them burst? Find out why pipes freeze and what causes them to rupture.
What can I do to prevent pipes from freezing? Protection is key, so learn what you can do ahead of time to protect your pipes from winter’s coldest temperatures.
What can I do to protect my pipes from freezing if I didn’t freeze-proof my home before now? Don’t fret if you didn’t have time to put long-term solutions in place.… Read More
Trees can be tricky, but for the most part homeowners are responsible for what falls into their own yard. So if your neighbor’s tree falls in your yard, your homeowners insurance would typically help cover the cost of removing the tree and remedying the damage it caused, after your deductible.
The same is true in reverse: If a tree on your property falls in your neighbor’s yard, your neighbor should file a claim with his or her insurance company.
In most cases, neighbors are able to work things out without too much trouble. If there’s ever an issue, you can rely on your claims adjuster to help straighten everything out.
Preventing tree damage
Preventive measures matter when it comes to trees. Start by looking for signs of distress such as dead limbs, cracks in the trunk or major limbs, leaning to one side and branches that are close to a house or power line.…