At Breathe Easy we want to make sure our community is insured in more ways than just one.  Though we may have the best insurance policies around, we know that being insured in life is more than just a policy.  Insurance can come in many forms and preparedness is one of those forms.  So, always be prepared for whatever situation may arise and you are sure to have a great holiday season. 

 

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Learn about the SR-22 policy and which states require you to file one if you have driving infractions like a DUI or an excesive amount of tickets.

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Before you purchase your next auto insurance policy make sure that you check out this blog for tips on discounts and what you should look for in a good policy.

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There is also a legal issue known as implicit permissive use which boils down to mean that if the driver had access to the keys, he had your implied permission to drive the car. Because this issue can be sticky legally, you should always report the accident to your insurance company so that they may determine if liability insurance will apply for the driver.

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Normally, a friend who does not live with you and is not listed on the policy as a driver, will qualify for coverage as a permissive user. A permissive user is someone to whom you have given explicit or implicit permission to drive a vehicle listed on your policy. Explicit permission is what you think of when you think of the word “permission”. That is, you have told the friend that he or she may drive your policy vehicle. Implicit permission basically means that your friend had access to the keys and because he had access, he qualifies as one to whom you have given implicit permission to drive your car. 

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Hands Free Driving Laws 2013. Don't forget if we can't beat your current Auto or Motorcycle Insurance Quote...we'll send you a $50 Gift Card! Call (866) 822-7755.

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Take a look through the INFOGRAPHIC to learn some facts about the dangers of texting and driving. Also don't forget, if we can't beat your current auto or motorcycle insurance quote we will send you a $50 gift card!

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The Inventioneers would like to help change that. The six teens — TJ, Jaiden and Breyton Evarts (ages 17, 15 and 12) and Paige, Emily and Kate Balcom (ages 19, 16 and 15) call their invention the SMARTwheel: a special steering wheel embedded with sensors that can tell when drivers take their hands off the wheel. If a driver is only using one hand for more than three seconds, or if both hands are at the top of the wheel (a common texting position), the SMARTwheel lights up and emits a warning sound, reminding the drivers to put their hands back in the safe-driving positions.

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Texting while driving has now exceeded driving under the influence as the number one cause of deaths among teens.  The number of accidents involving drinking by teens has decreased dramatically in the last two decades thanks to an intensive education campaign launched by the National Transportation Safety Administration in partnership with MAAD.  It appears that a similar educational effort needs to be made regarding the hazards of driving while texting or using a hand held cell phone while driving.

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