safety Archives - Knight Magee Insurance

Driving Tips for Extreme Heat

Driving Tips for Extreme Heat

Category : General

Driving Tips for Extreme Heat

 Hot Day Behind the Wheel? Here’s How to Beat the Heat

The forecast in RVA: Hot and getting hotter. And, that can make for troublesome travel.

When the temperature increases, decrease your risk on – and off – the road with these safety tips:

 

  1. Check those tires. You’re already checking your tire pressure every month, right? Even if you are (most of us don’t), keep a closer eye on them during the warm months. Heat can increase tire pressure rapidly.
  2. Keep cool under the hood and inside your car. If you don’t remember the last time you had your engine coolant checked and flushed (mechanics recommend flushing and refilling every two years), now is probably a good time – before you hit the road. Give your air conditioning a test run, too. If it’s not cooling you down, get it serviced.
  3. Act quickly if your car starts to overheat. When your car’s temperature moves above the halfway mark on the dashboard, try turning off your air conditioning and turning on your heat to give your engine a break. Pull over if it’s safe to do so, and give your engine even more of a break. Call for roadside assistance if there’s steam or smoke, and get away from the car if it’s smoke. More of a do-it-yourselfer? Be careful opening the hood of an overheated car, and don’t add coolant or water until the car cools down.
  4. See to the comfort – and safety – of your passengers. Within just 10 minutes of parking your car on a 90-degree day, the interior temperature can hit 110 degrees. Don’t leave kids or pets in a parked car, even for just a few minutes, and bring plenty of water for the trip. The back seats and cargo areas of many cars don’t get as much air as the fronts seats, so make sure your kids, both human and furry, stay hydrated.
  5. Proceed with caution in an electric car. High temperatures (and cold ones, too) can reduce the charge of your battery, sometimes by as much as 40 percent. You’ll want to take that into account when planning a trip.

 

Different seasons bring different car maintenance needs in RVA. Follow these tips to help make sure you and your car both stay cool in the heat.

 

 

 

 


Swimming Safety

Swimming Safety

6 Tips to Keep You Swimming Safely

 When the temperature heats up in RVA, all you can think about is cooling off at the local pool or even at the river. Just remember: Where there’s water, there’s risk.

That doesn’t mean you shouldn’t jump in (carefully) and have some fun with family and friends. It just means you should keep these safety tips in mind any time you swim:

  1. Don’t go it alone. Swim only in designated areas, with a lifeguard if possible, and use the buddy system – even adults shouldn’t swim when no one else is around. As for children, they should never be left unattended in or near the water or supervised by another child.
  2. Mind the rules. If an area forbids diving or is closed for swimming, that means it’s unsafe to do so. Save yourself a trip to the hospital and follow all posted rules and warnings.
  3. Keep away from drains. In a pool or spa, a drain’s powerful suction can trap children and adults. Be sure everyone knows to keep their distance. The same goes for riptides and currents if you’re in an open body of water.
  4. Know how to respond. When someone is missing, especially a child, always check the water first. Learn CPR and other skills that can save lives.
  5. Use common sense. Don’t use drugs or alcohol during water activities. Do have life jackets for inexperienced swimmers, and keep plenty of sunscreen and water on hand to help everyone beat the heat.
  6. Alert a lifeguard if you see someone struggling. Alternately, you could throw the person a floating object or reach out with a long object.

 

With a little caution, and a whole lot of supervision, you can help ensure your day at the pool or river goes swimmingly.

 

 

 


Knight Magee Insurance Company in Richmond Virginia

It’s Boating Season

It’s Boating Season

Every summer, our team gets calls from customers after a fun weekend on the water takes a turn for the worse. Often, these accidents could have been prevented with just a few simple precautions. Here are a few tips we like – courtesy of our partners at Safeco.

Don’t let an accident wreck your fun!

Life Preservers Aren’t Just for Kids. It’s not enough to just have life jackets on board — wear them! In an accident, people rarely have time to reach for a life jacket. This rule applies to adults, not just children: More people in their 30s die in boating accidents than any other age group. Life vests have come a long way in style. Today, you can even get vests for your water-loving dog!

Watch the Back of the Boat. Carbon monoxide kills in minutes. So tell your passengers where your exhaust pipes are located and turn off your engine when people are in the water, and don’t let passengers “ski” or “teak-surf” by holding on to the back of the boat. Both Washington and Oregon made teak-surfing illegal in the last few years, after several tragic deaths. Carbon monoxide detectors are standard on most new boats; older boats install devices for less than $100!

Alcohol and Boating Don’t Mix. More than 50 percent of drowning’s result from boating incidents involving alcohol. You don’t drink and drive, so don’t boat and drive.

Boats Need TLC Too. When you’re out on the water, make sure your gas tanks are vented and bilges are free of vapors, oil, waste and grease. Carry a charged fire extinguisher. Have your boat’s operating systems checked yearly by a certified marine technician. The Coast Guard Auxiliary and United States Power Squadrons also offer free vessel safety checks.

Experience Counts! The U.S. Coast Guard says that operator errors account for 70 percent of all boating accidents. Make sure anyone who drives your boat is properly trained. You can also earn boat insurance discounts from Safeco and other insurers if you complete a safety course with the Coast Guard Auxiliary or U.S. Power Squadrons.

Sites for Information:

Coast Guard: www.uscgboating.org

Coast Guard Auxiliary: nws.cgaux.org/

Safeco tips: www.safeco.com/insurance-101/consumer-tips/your-boat

*Most home insurance policies have limited coverage for boats. If you own a boat, watercraft insurance is your best bet: It covers theft, damage, and injuries or accidents while you’re on the water, as well as some of your expensive watersports gear.

We have a variety of boat insurance options. Give us a call at (804) 320-0129 or email myagent@kmicoverage.com


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