Driving in Fog Safely

Allison Shepherd October 30, 2019 at 09:51 AM
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Driving in Fog Safely

Fog can be one of the most dangerous weather conditions for both new and experienced drivers. Fog has the potential to reduce visibility significantly, so it is critical that drivers stay focused on the road in order to stay safe. Severe weather demands your undivided attention, so be sure to reduce any possible distractions by turning the radio down or turning off that phone to keep your attention fully on the road. Keep in mind that sometimes the best driving decision you can make is to stay off the road completely until the weather clears. 3 Tips for Driving in Fog 1. Slow down. Driving at normal speeds in fog can be very dangerous. Be sure to slow down so you have more time to react if traffic stops or other hazards appear. When visibility is severely limited, find a safe place to park, away from travel lanes, and wait for conditions to improve. 2. Always headlights, never brights. A ...

10 Tips to Reduce Distracted Driving

Allison Shepherd June 04, 2019 at 10:23 AM
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10 Tips to Reduce Distracted Driving

More than 40,000 Americans died on the roads in 2016, the most significant increase in deaths over a two-year period in more than 50 years.1 Whether someone you love has been known to text and drive, or you have found yourself distracted behind the wheel, these tips can help avoid dangerous activity on the road. Stow your phone. Turning off the phone and putting it in “do not disturb” mode can help remove the temptation to browse online at a red light or respond right away to a text message. Vow not to multi-task. Anything that occupies your mind or vision can be a distraction behind the wheel. Make time at home to eat meals or put on makeup, so you can focus on the road. Don’t be a distraction. Avoid calling or texting family members and friends when you know they are driving to avoid distracting them. Talk to your employer. Responding to texts or taking calls for work while driving can ...

6 Tips on Selling your car

Allison Shepherd February 28, 2019 at 15:36 PM
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6 Tips on Selling your car

Do you need to sell your car so you can upgrade to a vehicle that better fits your lifestyle? Maybe you landed your first job and want to reward yourself with a nicer car, or you're starting a family and need to swap your convertible for a minivan. A vehicle change is going to prompt some insurance-related questions in the process, so you’ll want to do your homework before you get too far down the path of a new, or “new-to-you” vehicle. And while selling your used car can help to fund the purchase of a new vehicle, the process can take some time and effort. Follow these tips that may provide a “smoother ride” to selling your car. 1. Decide where to sell your car. The first question to ask: Where should you sell your used car? Options include: Selling on your own locally; Selling through an online car marketplace; or Selling your car to a dealer. Each option has pros and cons, so choose ...

Safe Driving on Winter Roads

January 15, 2018 at 16:39 PM
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Safe Driving on Winter Roads

During the winter months, we are sometimes granted the beauty of snow, but with beautiful snow come dangerous road conditions. We all can not always stay indoors or play outside during these “snow days,” so if you have to get out on the road, it is crucial to be prepared and to drive cautiously on the road during severe winter weather conditions. Before any precipitation hits the ground, you should prepare your automobile in case you have to drive during severe winter weather. When you see snow in the forecast, make sure you have at least a half full tank of gas, and that your tires are properly inflated. If you are planning on a long-distance trip and winter weather is in the forecast, be sure to let others know of the route that you plan to take, where you are traveling, and your estimated time of arrival. Keep an extra set of warm clothes, a charged cell phone, a blanket, and drinkabl ...

Business In Harmony

Rick Thorne November 08, 2017 at 09:40 AM
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Business In Harmony

Running a business is like conducting an orchestra—it takes someone in front to unify the performance. Think of your employees as the orchestra, yourself as the conductor and your insurance broker as the baton you use to ensure everyone follows the music, bringing your business operations to a beautiful crescendo. THW Insurance Services specializes in providing a variety of employee benefits insurance products.  We know your challenges, and we will make sure they do not interrupt your business’ performance. Contact THW today at (615) 443-3849 to guarantee that your business keeps playing for a full house.

Driver Safety For Young Drivers

July 13, 2017 at 12:48 PM
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Driver Safety For Young Drivers

Automobile safety is always an important topic. Whether it’s being intentional about driving according to the speed limit or being extra alert when changing lanes, there are obvious ways to adhere to a safe driving experience. However, young drivers often find themselves in dangerous driving situations due to either a lack of experience and knowledge or from peer pressure and the temptation to go beyond regular driving practices. With the help of technology, though, parents can monitor their teen’s habits and possibly prevent accident, injury, and even death. Here are some of the ways that parents can be more involved in their teenager’s driving habits. Speed: Many automobile companies offer ways for parents of teen drivers to check in on how fast their teens are actually driving. Chevrolet offers a system that allows parents to place a restriction on how fast the teen driver can go befo ...

Distracted Driving and Automobile Safety

June 08, 2017 at 14:59 PM
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Distracted Driving and Automobile Safety

Something that our team here at THW takes very seriously is automobile safety. As automobile deaths are proven to be occurring more and more frequently, it is the perfect time to really stop and take time to consider how to achieve the safest driving conditions as possible. Something that may be contributing to the steady incline in automobile related accidents, and even fatal crashes, could potentially be the rise in the use of technology in vehicles. Think about it—the more there is to do in your car besides entirely focusing on driving, the more likely you are to become a distracted driver. From the use of GPS apps on mobile phones to adjusting music on a handheld device, there are so many ways to utilize technology while driving. Although the use of smart interfaces in dashboards can be a sure way to limit the number of times drivers turn to their phones, it can still pose a huge ris ...

Car Seat Safety

Debra Harp April 21, 2016 at 11:44 AM
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Car Seat Safety

New Campaign Aims To Help Parents Select Correct Car Seat The campaign is about much more than making the buying process easier for parents; it's also about ensuring that their most precious cargo is protected from harm in the event of a car accident. It's estimated that nearly 60% of car seats are misused, NHTSA reports. Additionally, in cases when young children have been killed in automobile crashes, 33% were unbuckled at the time. Lisa Sherman, CEO for the Ad Council, the campaign sponsor, said that she's confident "Find The Right Seat" will help to clarify questions parents might have. "The right car seat can keep kids safe, and that's what we all want for our children," Sherman explained. "It's not enough for parents tothink they know which car seat is right for their children; they need to know for sure."   Selecting the right car seat for children shouldn't be difficult. In the ...

What Does my Auto Insurance Cover on a Road Trip?

March 08, 2016 at 11:04 AM
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What Does my Auto Insurance Cover on a Road Trip?

Spring is upon us—which means the season for road trips is right around the corner. But before you pack your bags and hit the road, it’s important to know what your auto insurance covers. The last thing you want on your vacation is to run into car trouble, and not know where you stand with your insurance. There are a few things you want to consider: If you are driving your own car, if you are renting a car, if other drivers are covered in your policy, and if you have roadside assistance. Out-of-State Coverage If you are driving your own car outside of state lines, the first thing you want to check is if your car insurance is covered in other places, and for most people, it does. While most states differ on what is entailed for auto insurance, the good news is that most auto insurance travels with you, as most policies include a broadening clause, which entitles the driver’s liability res ...

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