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    Lightning Safety: An Overview

    Posted by Gordon Atlantic Insurance

    Sun, Feb 19, 2017 @ 12:00 PM

    Lightning Safety

    Popular culture has largely portrayed a lightning strike as an event akin to winning the lottery or another extremely improbable occurrence. However, better data collection efforts over the last decade have shown lightning’s danger to be underrated at best.

    To put the statistics in perspective:  

    According to the Lightning Protection Institute (LPI), lightning strikes thousands of people each year, injuring a few more than 1,000. Have you ever been afraid to go swimming after watching ‘Jaws’? Well the probability of being struck by lightning is approximately 30 times more likely than being attacked by a shark. You should be watching the sky, not the water around you!

     


    I personally know two people who have been struck by lightning; one lived, one did not. While this is entirely anecdotal evidence, it does beg a question as to why lightning is generally not taken seriously as a threat. My personal theory is that it’s a combination of the misconception that lightning strikes are extremely rare and the commonness with which we encounter lightning.

    Lightning can also be very damaging to property; according to the Insurance Information Institute (I.I.I.), there were 213,000 lightning related claims last year. These losses include damage to expensive electronics and structural fires. The I.I.I. further estimates that the average lightning claim to be $4,846.

    Lightning Myths:

    • Lightning never strikes the same place twice. Wrong. Lightning often strikes the same place twice, especially if that place is tall, metallic, and isolated. While we’ll forgive you for using the expression in casual conversation, don’t believe it to be true.
    • You are safe from lightning if you can see the sky. Wrong again. Lightning often strikes outside the area of a thunderstorm or rainstorm, sometimes several miles away. Just because the storm is not overhead does not mean you are safe.
    • Lightning rods attract lightning. Wrong. Lightning rods provide a safe place to ground the surge of electricity should lightning strike.

    Lightning Warning Signs:


    If you are caught in a storm, pay attention to how you feel. If your skin beings to tingle, you hair stands on end, you smell an acrid odor in the air, or you get a metallic taste in your mouth, you might be about to experience a lightning strike. Get low to the ground and follow the steps below.
    What to do and not to do (Compiled from the I.I.I, LPI, & Essortment):

    • Stay away from bodies of water, such as lakes and swimming pools – even indoor swimming pools.
    • Stay clear of isolated trees, flagpoles, telephone poles, hills, and rooftops. Get out into an open field or road.
    • Of course NEVER touch metal objects such as wire fences, golf clubs, aluminum baseball bats, bicycles, during a lightning storm.
    • If you are caught out doors during a thunderstorm, crouch down and keep your head as low as possible and only let your feet touch the ground – rock forward on your toes if possible to get as much of your feet off the ground. Do not touch the ground with your hands to balance yourself.
    • NEVER lie down on the ground – you want as much of you off the ground as possible. The electrical current from a nearby lightning strike can travel toward you along wet ground.
    • Even indoors you must use common sense. Always stay away from electrical appliances, metal pipes, get off the phone, stay out of the shower and bathtub and do not use any wired appliance.
    • If you are caught outside with a small child, hold the child on your lap up off the ground as you crouch around them.
    • Realize that lightning is a powerful force of nature and it demands that you develop a healthy respect and fear of it. Stay indoors during lightning storms!
    • If someone has been struck by lightning, provide first-aid immediately. It is perfectly safe to touch someone who has been struck by lightning—you will not get an electrical shock. Call 911 immediately and begin CPR or use a defibrillator if available.
    • Invest in a lightning protection system for your home and or business. A building with a properly installed lightning protection system is a smart investment as it provides proven protection for your family, home and valuables. It is an important safety investment in areas prone to lightning.

    Look to Gordon Insurance for more risk management resources! Lighting can affect your home, auto, and most importantly life and health, so make sure you're covered.

     
    Learn more about your personal insurance options with us here.
     
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    Corbin Foucart

    Tags: commercial, auto, online, insurance, Atmospheric Sciences, Earth Sciences, Insurance Information Institute, Thunderstorm, agency, strike, car, quote, lightning

    How is the Cost of My Car Insurance Policy Determined?

    Posted by Gordon Atlantic Insurance

    Fri, Jan 20, 2017 @ 12:10 PM

    Have you ever wondered how your car insurance rates are calculated?  What affects that number on the bottom of the page? Here’s the answer:

    1. Understand how your auto insurance policy and rates are determined with Andrew Gordon IncWhat type of car you drive- some cars cost more to insure than others do. Your rate can be affected by how likely your car is to be stolen, its age, the cost of any future repairs, and how safe it is (or isn’t).
    2. Your driving record- your driving record largely determines how well you drive (at least in the eyes of your insurance provider). The fewer incidents you’ve been involved in, the lower your premium will be. If you have a slew of accidents and driving violations on your road resume, expect to pay significantly more than if you have a clean record.
    3. Where you live- Outside of your own driving ability, some areas are simply safer to drive in than others, both in terms of crime and accident statistics. Your rate can vary depending upon where you garage your car as well.
    4. The number of miles you drive each year- Statistics says by the law of large numbers that the probability of an accident increases with the amount that you drive. Therefore expect a higher rate if you put hefty mileage onto your vehicle each year.
    5. Your age- Young drivers (especially males) will have to pay augmented rates. Generally insurance providers divide the “steps” into drivers who have been on the road for under three years, three to six years, and more than six years.
    6. Your credit- for many insurance providers, your credit score can have an impact on your insurance rates.
    7. Coverage- like any other insurance rate, the price is partially determined by the coverage you already have. Make sure you shop around and get the best possible price for the coverage you need.

    The good news: There are a variety of auto insurance discounts available to insurance customers. Learn more about our auto insurance policies and watch whiteboard videos for more information. Here’s one video made by our agency that explains the various discounts you may be eligible for:

    Learn more about your auto insurance options here, and read a staff member's blog on understanding your auto insurance policy here.

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    Corbin Foucart

    Tags: auto, insurance, cheap, Automobile, Vehicle, driving, car, quote, financial services

    Total Loss Tips: What to Do If Your Car Is Totaled

    Posted by Geoffrey Gordon

    Tue, Jul 29, 2014 @ 11:25 AM

    Cover yourself in case of total loss with auto insurance from andrew g gordon inc maWhat to do if your car is totaled.

    Having an accident resulting in a total loss can be a big disruption.  But for most people, a total is way better than major repairs which can take weeks.  In this blog we will give you some guidance on getting you into a new car or truck with as little disruption to the rest of your life as possible.

    Replacement vehicle:

    The first thing to consider is what you will drive until you replace your old car, and who will pay for it. The answer hinges on two things: first do you buy substitute transportation coverage? And, who was at fault?

    If you buy substitute transportation coverage, that will be available for a replacement vehicle until the total loss is paid, plus a few days. It’s important to note that they don’t pay forever while you negotiate a new car; starting that process right away will work to your advantage. 

    If you do not buy substitute transportation, and we don't*, then the next question is, who is at fault? 

    If you were not at fault in the accident, the insurance company for the at-fault driver will pay for a replacement until the total loss is paid, plus a few days. Contact the other driver’s company directly (and we at Gordon Insurance will help you get started, but can’t represent you legally). The other company’s inside adjustors will help you coordinate a rental company such as Enterprise or Alamo, and often pay them directly. 

    Learn what to do if your car is totaled with auto insurance from andrew g gordon inc

    If you were at fault in the accident, or if fault is disputed, and you do not buy substitute transportation, you’ll have to decide whether you wish to pay for a rental or work things out with other resources.   

    (*Our family doesn’t buy this coverage since there are still kids and an extra vehicle at home. In the case of this accident, the other party was responsible, so we got paid by their company. )

    Start looking for a replacement car right away.

    As soon as you think your car might be declared a total loss, start the car buying process.   I was surprised at how long it took to buy our new car.  Our totaled vehicle was a 2009 Toyota Tacoma. There are plenty of Tacoma's on local dealers’ lots, but we prefer a manual transmission: this single selection made the process finding a new vehicle take several days longer than we expected. Because the rental vehicle mentioned above is only paid for until the total is paid (plus a few days), make every effort to decide on the new vehicle before the rental runs out.

    Settlement process on your old car.

    Different insurance companies have different processes for determining the value of your old totaled vehicle, but each are remarkably close with today's information based marketplace.   Most companies use a combination of on-line quotes and contacting dealers for actual cars on the lot to ensure quick agreement and completing the claim. The amount they offer also includes the sales tax of 6.25%, something not expected, but which does represent the real cost of getting a new car.

    Because we were not at fault, we asked both our company, Plymouth Rock, and the company of the at fault driver to provide us with a total loss estimate. Plymouth Rock offered more than the other company, so naturally we took the higher value and settled with them. 

    Cover your car for total loss damage with andrew g gordon inc insuranceReleasing your beat up car:

    After your total car has been towed from the accident scene, it sits on a garage lot until it can be towed to the salvage yard. The garage lot collects storage fees every day your broken car sits on the lot. Naturally the insurance company is eager to get the vehicle moved to the salvage yard as soon as possible to minimize storage costs. They do need the car or truck’s title to complete the transaction, so coordinate getting the title from your bank, or if you own the car free and clear, locate the title. 

    Tip: as soon as you know your vehicle has been totaled, make your way to the garage lot and get your personal stuff out of and your plates off that vehicle. You’ll need the plates and registration for your new car. 

    Total losses and salvage value:

    Salvage vehicles have increased in prices over the past few years for two solid economic reasons. The first is that new car parts cost more, making use replacement parts rise in value as well. The second arises from the fact that today's better made vehicles stay on the road longer. Repairs to these older vehicles are made with used parts…which come from salvage yards. The salvage value for a 2009 Tacoma in 2014 was remarkably high: aside from the broken axle, our 2009 Toyota Tacoma had excellent bodywork all the way around, seats, electronics, and a great engine; we expect that truck to become parts to many of its brethren.  Because the insurance company uses this residual salvage value to lower their overall cost on a total, the amount of damage triggering a total loss has become an easier bar to reach.

    In our case, the high residual book value of our wrecked Tacoma allowed us to get into a new Tacoma for relatively short money.  Because we begin replacement vehicle purchase process early, we had our new Tacoma just before the rental ran out.   The disruption to life with a total loss cannot be totally avoided, but aside from retrieving the title, retrieving our stuff, and the somewhat tedious process of buying a new car, we’re in a new truck for short money, and nobody got hurt.

    Top 5 Auto  Discounts
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    Tags: auto, insurance, quote, total loss, vehicle damage, crash damage, total loss settlements

    How to Get Insurance

    Posted by Gordon Atlantic Staff

    Wed, Apr 10, 2013 @ 08:29 AM

    Learn how to get insurance with andrew g gordon incStep 1. Realize you don't have insurance.

    Step 2. Recognize that you probably need insurance.

    Step 3. Google "How to Get Insurance." Stumble upon this article.

    Step 4. Browse the Gordon Insurance website. They are, after all, the people that gave you this list. The least you can do is explore their website and learn about what they do.

    Step 5. Click a couple of pages. Notice that Gordon Insurance updates insurance blogs regularly, and think: "Wow, these guys must really know what they're talking about." Educate yourself about insurance. Watch a whiteboard video or two. Smile because you understand.

    Step 6. Come across a form. You don't know if you want to fill it in, but you think maybe it's the best way for them to learn about you and your needs. You fill out the form in less than five minutes.

    Step 7. Briefly wait. You don't know this already, but Andrew G. Gordon, Inc. is an independent agent and shops around to find the best policies for you. When they contact you and explain this to you, you think to yourself: "Pretty sweet deal."

    Step 8. Wait a few days. You aren't nervous because you know Gordon Insurance is getting the job done right.

    Step 9. Be contacted. Hear your options and decide what is best for you. Follow through with decision.

    Step 10. Have insurance!

    If you have any questions about the insurance process, contact us! Learn about personal insurance here.

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    Tags: quote, how to get insurance, steps to get insurance, form, how to have insurance, owning insurance, having insurance

    Summer Motorcycle Safety

    Posted by Gordon Atlantic Staff

    Mon, Jul 02, 2012 @ 09:08 AM

    Stay safe this summer while riding your motorcycle or vehicle with auto from Andrew Gordon inc insurance norwell maWith the beautiful summer weather we’ve been having, there are more motorcycles than ever on the highways.  Due to their relatively small size, they are not always easily visible to the larger vehicles on the road and thus can present a potential risk of accident. It’s important to be aware of them when on the road, and to give both extra space and extra attention to the two-wheeled cousin of the car.

    Motorcycle fatalities have also been climbing,

    reaching 4,976 in 2015. There has also been a dramatic jump in the number of deaths among motorcyclists age 40 and older in recent years. 

    We hope these tips from the Motorcycle Safety Foundation will help keep you and motorcycle drivers safe:

    1. Over half of all fatal motorcycle crashes involve another vehicle. Most of the time it is the motorist, not the motorcyclist, who is at fault. There are a lot more cars and trucks than motorcycles on the road, and some drivers don’t “recognize” a motorcycle – they ignore it (usually unintentionally).
    2. Because of its small size, a motorcycle can be easily hidden in a car’s blind spots (door/roof pillars) or masked by objects or backgrounds outside a car (bushes, fences, bridges, etc). Take an extra moment to look for motorcycles, whether you’re changing lanes or turning at intersections.
    3. Because of its small size, a motorcycle may look farther away than it is. It may also be difficult to judge a motorcycle’s speed. When checking traffic to turn at an intersection or into (or out of) a driveway, predict a motorcycle is closer than it looks.
    4. Motorcyclists often slow by downshifting or merely rolling off the throttle, thus not activating the brake light. Allow more following distance, say 3 or 4 seconds. At intersections, predict a motorcyclist may slow down without visual warning.
    5. Enjoy riding your motorcycle this summer but stay safe with auto and tips from andrew gordon inc insurance norwell maMotorcyclists often adjust position within a lane to be seen more easily and to minimize the effects of road debris, passing vehicles, and wind. Understand that motorcyclists adjust lane position for a purpose, not to be reckless or show off or to allow you to share the lane with them.
    6. Turn signals on a motorcycle usually are not self-canceling, thus some riders (especially beginners) sometimes forget to turn them off after a turn or lane change. Make sure a motorcycle’s signal is for real.
    7. Maneuverability is one of a motorcycle’s better characteristics, especially at slower speeds and with good road conditions, but don’t expect a motorcyclist to always be able to dodge out of the way.
    8. Stopping distance for motorcycles is nearly the same as for cars, but slippery pavement makes stopping quickly difficult. Allow more following distance behind a motorcycle because it can’t always stop “on a dime.”

     And for relevant and topical insurance information, as well as risk-management solutions, visit us at our website; you can watch educational insurance videos, or get a quote. Learn more about motorcycle insurance here

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    Tags: auto, safety, insurance, cheap, accident, Automobile, claims, quote, motorcycle, traffic

    10 Least and Most Expensive Cars to Insure 2012

    Posted by Gordon Atlantic Staff

    Wed, Jun 13, 2012 @ 09:11 AM

    Cover your vehicle with auto from Andrew Gordon Inc Insurance Norwell MALooking into buying a new car? Debating between the reliable mini-van or that indulgent sports car? If insurance factors into your budget, keep in mind the type of car you drive will affect how much your insurance costs.

    Insure.com posted the list of 20 least and most expensive cars to insure, and I’ve copied the top 10 from their list.

    Top 10 most expensive cars to insure

    source: insure.com

    1. Audi R8 Spyder Quattro Convertible

    6. BMW 750i Hybrid

    2. Mercedes CL600 BI-T Coupe

    7. Porsche 911 Turbo Convertible

    3. Mercedes S600 BI-T

    8. Porsche 911 Turbo S Convertible

    4. Audi R8 4.2 Quattro Coupe

    9. Mercedes CL65 AMG Coupe

    5. Porsche Panamera Turbo

    10. BMW 750Li Hybrid

    So if you’re looking to go the sports car route, you might want to think twice. The way those cars are driven and who’s driving them statistically produces more accidents. Therefore, it makes sense that companies would charge more if there is greater risk.

    Top 10 least expensive cars to insure

    source: insure.com

    1. Toyota Sienna LE

    6. Chevrolet Silverado 1500 Regular Cab

    2. Toyota Sienna 4 cyl

    7. Dodge Grand Caravan SXT

    3. Jeep Patriot Sport

    8. Ford Escape XLS

    4. Jeep Compass Sport

    9. Toyota Sienna 6 cyl

    5. GMC Sierra K1500 Regular Cab

    10. Chevrolet Silverado 1500 Extended Cab

     

    Drive safely and insure your automobile with auto from Andrew Gordon Inc Insurance Norwell MAThe converse is also true. People who drive safe, reliable family vehicles are more likely not to get into an accident; therefore, not costing the companies replacement prices. So what are the reasons these cars are placed in their own category above? Safety, top speed, anti-theft, and cost all factor into the bill you’re sent.

    Performance: how can it drive on the autobahn?

    Engine size is a large factor in insurance price. If you can produce 1.21 gigawatts (the equivalent of a bolt of lightning according to Back to the Future) you may be able to travel in time, but it will cost you more on your insurance.

    Foreign Cars

    How many miles your car logged just getting to the dealership can adversely affect your costs. Foreign/ exotic parts are harder to come by and therefore more expensive should you need them.

    Is Bigger Better?

    Not necessarily. You’re not always safer in a larger vehicle. Rollover rates and other inherent safety flaws exist within SUVs and trucks. Even if the SUV is safer than an alternative, large vehicle still cause more damage in accidents, leading to higher liability coverage rates.

    Why anti-theft?

    A fast performing, poorly protected auto in a parking lot is more likely to catch someones eye if they're in the market for a free vehicle. Since that type of car is more desirable to thieves, they will cost more to protect on your insurance.

    Family Car

    Cars involved in routine and safe driving will be less money on your insurance. Insurance is a game of numbers and those "soccer mom" vehicles are in less accidents statistically.

    “Remember:  insurance companies play a game of numbers; if your car is going to cost more to replace, then you’re going to pay more for it.  With that in mind, go forth and buy the right car for you and your insurer.”- Corbin Foucart

    For all of your insurance needs look to Gordon Insurance. We’ll provide you insurance information from our website, and find the best insurance options for you. Learn about auto insurance here

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    Tags: auto, online, Makes and Models, Mercedes-Benz, Mercedes-Benz M-Class, automotive, Sport utility, insurance, agency, cheap, Automobile, Vehicle, car, quote

    Accident Prevention: Defensive Driving Course

    Posted by Kay Gordon

    Thu, Nov 03, 2011 @ 05:37 PM

    Drive safely in new conditions and cover your vehicle and teenagers with auto from Andrew Gordon IncA Facebook posting by a friend shows a picture of the family car on its side with the passenger side crushed.  Luckily no one was hurt in this accident, which happened when their teenage son was driving to school on a snowy “spring” day that was surprisingly slick and dangerous. Unfortunately, on the way to school accidents are quite common as new and newish drivers are on their own for the first time in conditions that as “permit” drivers they might not have encountered.

    Unanticipated conditions are often met with panic and reactions that aggravate rather than help. Here on the South Shore there is a driving school that is dedicated to helping drivers cope with realistic, emergency situations. Unlike pre-licensed driving and class courses, this school, which is run by professional race car drivers, puts the driver into “controlled” situations like spin-outs, mock accidents, slick driving conditions and shows the driver how to deal with such encounters.

    My own family members have taken advantage of this course and felt that it was invaluable as well as a lot of fun. You can link to a 10% discount for this course from our website's auto page or go straight to the discounted sign-up page here.

    Check out our website for other insurance resources and tips. Learn about auto insurance here.

      Contact Us

    Kay Gordon

    Tags: auto, insurance, accident, prevention, driving, dangerous, quote, Device Drivers, IndyCar Series, Motorsports, traffic, school, defensive, racing, dmv online

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