Monthly Archives: December 2019

Parking Lot Accident - KMI Insurance

Avoid Parking Lot Accidents

5 Ways to Avoid Parking Lot Fender Benders in RVA

Parking lots in RVA – we love the convenience but hate the frustrations, especially when people are driving too fast, backing out of spots without looking and otherwise modeling bad parking lot behavior.

That behavior just so happens to be the cause of many a door ding and irritated driver. Even worse, careless behavior can cause a collision or injury. So, let’s all slow down and follow these five tips to make parking lots safer for everyone:

  1. Don’t Speed
    Speeding decreases the amount of time you have to react when a child runs out in front of you, another driver stops suddenly or a car begins backing out unexpectedly. Is a collision – or even a fatality – really worth the price of getting to your destination just a bit sooner?

  2. Use Your Eyes – and Mirrors and Cameras
    Keep a lookout for perils at all times, even if the lot seems empty. When you’re pulling into a spot, watch for doors being opened. When backing out, look all around, in your mirrors and in your rear-view camera and proceed slowly.

  3. Give Yourself – and Others – Some Space
    Parking in between the lines and in a spot sized for your vehicle may help to minimize dings and scratches. Better yet, park in a less-crowded area and enjoy the stroll into the store – just don’t park where you feel unsafe. And, always park away from stray carts.

  4. Expect the Unexpected
    Assume things will happen. That someone will dart out in front of you, that a cart will come rolling toward you, that someone backing out of his/her spot won’t see you backing out of yours. When you’re on guard, you’re better prepared for those who aren’t.

  5. Be Respectful
    A little kindness goes a long way in a parking lot or parking garage. So stop for pedestrians, don’t cause traffic jams waiting for a spot and, above all, don’t lose your cool.

Remember, when you’re watching for dangers, you have a better chance of avoiding them. If an incident does occur, we here at Knight Magee Insurance are ready to help. You can call us at 804-320-0129 or email myagent@kmicoverage.com.


Christmas Donations

Giving During the Holidays Without Getting Taken

Category : General

Every year during the holidays, people in RVA look for ways to give gifts, not just to family and friends but to those less fortunate. It’s the spirit of the season.

Unfortunately, some of the charities out there don’t help people as fully as they claim – or possibly not at all. As if that weren’t enough, bogus organizations take advantage of people’s goodwill by stealing credit card and bank account information, along with identities, from people who think they’re donating to a legitimate cause.

It doesn’t mean you can’t be generous this holiday season. It just means a little extra caution is in order. Here are four tips for making smart and safe holiday donations:

  1. Verify the charity is legitimate.
    Sure, the name sounds official and you think your friend mentioned what good work they do. Or does the charity simply have a name similar to another well-known organization? Before you donate, do a little digging.

    Enter the charity’s name at Better Business Bureau, Charity Navigator or GuideStar, and, if you feel comfortable after reading about the organization, go ahead and donate. If not, look for another charity that supports the same cause. A good rule of thumb is to look for organizations with 501(c)(3) status.
  • Steer clear of pop-up charities.
    A pop-up charity is anything but charitable. These groups spring into action at opportune times, namely when people are feeling generous, such as during the holidays or following a disaster. The so-called charity is actually a scam designed to steal money, credit card numbers, bank account information and identities from unsuspecting donors. If, during your research, you come across an organization that seemingly appeared out of the blue, do not share any of your personal information with it.
  • Be careful with digital donations.
    Now that you’ve researched the charity, how do you plan to donate? If it’s online, be sure to type in the website address correctly. Fraudsters put up realistic-looking sites using a URL similar to a well-known charity’s to trick people into donating. But, they’re not donating at all. They’re lining the pockets of thieves.

    Once you know you’re on the correct site, check that it’s secure before submitting any credit card information. Simply look for “https” instead of “http” at the beginning of the URL.

    Likewise, that email you received from a prominent charity may be a fake. Instead of clicking on a link in an email to donate, go directly to your Web browser and type in the address yourself.

  • Avoid phone and door-to-door solicitors.
    If people call or knock on your door out of the blue asking for a contribution to this or that organization, ask them for the charity’s website or mailing address instead of donating right then and there. Even if it’s a charity you’ve heard of, the operation may be a scam. It’s always safer for you to initiate the donation by visiting the charity’s website or mailing in a check. Plus, fundraising over the phone requires a middleman – that agent calling you – who must be paid, reducing the amount of your donation that goes to the charity.

It feels good to be in a giving mood during the holidays. With a little legwork to look into the legitimacy and practices of the charity, your donation will help others feel good too.

Contact Us!

At Knight Magee Insurance, we can work with you to make sure you’ve got the coverage you need, while at the same time using all possible credits and discounts to make that coverage affordable. Just give us a call at 804-320-0129 or send us a note at myagent@kmicoverage.com.  We want to help you meet your goals, and make sure what’s important to you is protected!


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