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Damage to Property from Riots or Civil Disorders

DAMAGE TO PROPERTY
FROM RIOTS OR CIVIL DISORDERS

People are human beings with so much more uniting us than dividing us. People have human personalities. As Martin Luther King once said: “When we value the human personality, we won't kill anybody.” He also said: “Injustice anywhere is a threat to justice everywhere. I have decided to stick with love; hate is too great a burden to bear.”

Many of our clients are concerned about damage to their property from the recent protests that have led to riots or civil disorders. Unfortunately, sometimes even a harmless gathering can turn into looting, vandalism, and fires leading to thousands of dollars in damage. There are coverages available to protect homes, businesses, and vehicles from most forms of civil commotion. It is automatically part of your personal auto or home insurance and depending on the selections made under your business insurance may also be included.

Auto Insurance:
Damage to cars would be covered under optional comprehensive coverage on your auto policy. Comprehensive provides coverage for damage to your vehicle caused by fire, falling objects, vandalism, or riot. If you do not carry separate glass coverage, damage to your windshield if shattered or cracked also falls under comprehensive.

Homeowners Insurance:
A standard homeowner’s policy will provide coverage for damage to property caused by fire, explosion, vandalism, malicious mischief, and riot or civil commotion. This includes both damage to personal property and damage to the structure.
Additional living expense provides coverage if you cannot live at your home while it undergoes repairs from a covered loss.

Business Insurance:
For those who own and insure their building under a Business Owners Policy (aka BOP), there is coverage for losses caused by fire, riots, civil commotion or vandalism. However, coverage for glass windows is often sold separately.

For those who carry business personal property coverage, business personal property would also be covered, as well as loss of income (aka business interruption) for those forced to suspend operations due to a direct physical loss at the premises.

A “civil authority provision” in a business policy provides coverage for lost income and extra expenses in the event the police or fire department bars access to a specific area as a result of the danger caused by a riot or civil commotion.

Please contact us if you have any questions regarding the coverage or benefits of your policy. We are here to help however we can!


Boat Pre-Season Tips

 Boat Pre-Season Tips

 10 Tips to Get You Ready for Boating Season

 Spring is here in RVA, and summer is right around the corner. It’s time to think about getting your boat out on the water.

Actually, first things first: It’s time to think about getting your boat ready to get out on the water. From the engine and propeller down to your trailer, a little preparation as you get your boat out of winter storage can help you start off the season right — and get the most out of your time on board.

Here are 10 tips from Discover Boating to get you started:

  1. Check your safety gear. Do you have enough life jackets? Are they in good shape? What about onboard fire extinguishers? Are your navigation lights working?
  2. Consider adding safety items. Should disaster strike, an emergency position indicating radio beacon can help rescuers find you and your boat. And, if you have an enclosed space on the boat, you should have a carbon-monoxide detector.
  3. Examine your fuel system. Any leaks or damage should be addressed immediately.
  4. Look at all belts, hoses and cables. Those that appear brittle or cracked most likely need to be replaced.
  5. Check fluid levels, such as engine oil. Change or add as needed.
  6. Have your battery and electrical system checked. Look for corrosion on your electrical connections.
  7. Make sure your propeller isn’t banged up. Dings and distortion can cause vibration, as well as damage your drive train.
  8. Look at the hull for blisters and cracks. Repair or patch damage, and make sure to use an environmentally safe solution when washing the exterior and interior.
  9. Don’t forget the trailer. Treat your trailer with as much care as you show your boat. Inspect the hubs occasionally, and check your lights before every trip. If you go boating in salt water, give the trailer a very good rinse afterward.
  10. Don’t forget insurance, either! It’s a good idea to check your coverage as you head into boating season, too. Just give us a call here at Knight Magee Insurance, and we can help you with a quick insurance review.

There’s nothing quite like a sunny – and safe – day on our local lakes and rivers in Virginia. We’ll see you out there!

 

 

 


Winter Accidents - KMI Insurance

How to Stay Safe After a Winter Car Accident

The days are short. The air is cold. And, roads are often slick with rain, snow or ice.

It’s winter driving season in RVA. And, while most people know what to do to try to avoid an accident, many don’t know what to do after one. It’s vital knowledge to have, because the aftermath of a crash can be just as dangerous as the crash itself — especially when it’s cold and snowy.

Here are five things to do (or not do) if you’re in an accident this winter to help keep yourself and others safe:

  1. Make sure everyone’s OK — then get off the road if you can. The safety of everyone involved in a crash is the first concern, of course. So, check on the occupants of each vehicle and call for emergency assistance if it’s needed. Then, if the vehicles are drivable, get them off the road as soon – and as carefully – as possible.

  2. Stay in your car if you can’t safely move away. If you can’t get your car off the road, but you can get off the road, wait until there’s no traffic around and then move well out of the way. Otherwise, stay in the car so you’re protected from other vehicles.

  3. Stay visible — and warm. Turn on your hazard lights and put up road flares so other vehicles know something is wrong. And, grab your vehicle emergency kit (you have one, right?) for blankets and extra clothing. If you’ve run off the road and you’re still in your car, make sure nothing is blocking your exhaust pipe. Otherwise carbon monoxide may build up.

  4. If you’re stranded, stay put. Running off the road in a remote area is scary, but resist the urge to try to walk for help. You risk getting lost, especially during a storm, if you set off on foot.

  5. See a crash? Don’t always stop to help. Being a Good Samaritan could cause more problems than it solves. So, if those involved aren’t in immediate danger, call 911 and let the professionals help with medical aid and traffic control.

It’s not always easy, but keeping a cool head after an accident will do more than help everyone get through a stressful situation — it will help keep everyone safer, too.

And, remember, if something does happen on the road this winter, your Knight Magee Insurance agent is here to help with your auto accident claim. If you’re unsure whether you’re carrying the right coverage, call now 804-320-0129 before it’s too late!


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