Tag: prevention awareness

Children, Adults and Pets Enclosed in Parked Vehicles Are at Great Risk

Posted on by butlervetinsurance

Each year children die from hyperthermia as a result of being left in parked vehicles. Hyperthermia is an acute condition that occurs when the body absorbs more heat than it can dissipate. Hyperthermia can occur even on a mild day. Studies have shown that the temperature inside a parked vehicle can rapidly rise to a dangerous level for children, adults and pets. Leaving the windows slightly open does not significantly decrease the heating rate. The effects can be more severe on children because their bodies warm at a faster rate than adults.

Shown below is a time lapse photo of a thermometer reading in a car over a period of less than an hour. As the photograph shows, in just over 2 minutes the call went from a safe temperature to 94.3 degree F. These photos demonstrate just how quickly a vehicle can become a death trap for a child.

Hyperthermia deaths aren’t confined to summer months. They also happen during the spring and fall. Below are some examples.

  • Honolulu, HI, March 07, 2007: A 3-year-old girl died when the father left her in a child seat for an 1.5 hours while he visited friends in a Makiki apartment building. The outside temperature was only 81 degrees.
  • North Augusta, SC, April 2006: A mother left her 15 month old son in a car. He was in a car for 9 hours while his mom went to work. She is now serving a 20-year prison sentence.
  • Denver, CO, August 2008: Two kids that died in an overheated car may have been on their own for more than 3 hours as their mother slept after working a night shift. The kids died in a closed but unlocked car. Investigators believe the temperature in the car may have reached 123 degrees F.

Adults are in danger too. On July 12, 2001, a man died of heatstroke after falling asleep in his car with the windows rolled up in the parking lot of a supermarket in Hinds County, MS.

How Fast Can the Sun Heat A Car?

The atmosphere and the windows of a car are relatively “transparent” to the sun’s shortwave radiation (yellow in figure below) and are warmed little. This shortwave energy, however, does heat objects it strikes. For example, a dark dashboard or seat can easily reach temperatures in the range of 180 to more than 200 degrees F.

These objects (e.g., dashboard, steering wheel, childseat) heat the adjacent air by conduction and convection and also give off longwave radiation (red) which is very efficient at warming the air trapped inside a vehicle.

Objects Heated by the Sun Warm Vehicle’s Air

Heat Safety Tips –

For Children:

  • Make sure your child’s safety seat and safety belt buckles aren’t too hot before securing your child in a safety restraint system, especially when your car has been parked in the heat.
  • Never leave your child unattended in a vehicle, even with the windows down.
  • Teach children not to play in, on or around cars.
  • Always lock car doors and trunks–even at home–and keep keys out of children’s reach.
  • Always make sure all children have left the car when you reach your destination. Don’t leave sleeping infants in the car ever!

For Adults:

  • Slow down. Reduce, eliminate or rescheduled strenuous activities until the coolest time of the day. Children, senior and anyone with health problems should stay in the coolest available place, not necessarily indoors.
  • Dress for summer. Wear lightweight, light-colored clothing to reflect heat and sunlight.
  • Put less fuel on your inner fires. Foods, like meat and other proteins that increase metabolic heat production also increase water loss.
  • Drink plenty of water or other non-alcohol or decaffeinated fluids. Your body needs water to keep cool. Drink plenty of fluids even if you don’t feel thirsty. Persons who have epilepsy or heart, kidney, or liver disease, are on fluid restrictive diets or have a problem with fluid retention should consult a physician before increasing their consumption of fluids. Do not drink alcoholic beverages and limited caffeinated beverages.
  • During excess heat period, spend more time in air-conditioned places. Air conditioning in homes and other buildings markedly reduces danger from the heat. If you cannot afford an air conditioner, go to a library, store or other location with air conditioning for part of the day.
  • Don’t get too much sun. Sunburn reduced your body’s ability to dissipate heat.
  • Do not take salt tablets unless specified by a physician.

If you are interested in more heat wave safety tips to keep your loved ones safe this summer, contact our Total Protection Team at 877-994-6787 or Email [email protected].

Limit The Effects Natural Disasters Have on Your Life

Posted on by butlervetinsurance

As the fun and sun of summer arrives, so does the threat of many natural disasters. Happenings like earthquakes are always a threat, but floods, wildfires, hurricanes, tornadoes, and such are more apt to strike in the warmer summer months. There are three very important steps you can take to limit the effect natural disasters have on your life and property and expedite your recovery process.

1. Planning. There are some basics that any natural disaster plan should include:
• Always have several escape routes mapped out. Each family member should know where to meet, who to call for help, and where to call to signal their safety to other family members. Your family safety plan should be posted in a central location and the escape route and emergency contact numbers should be reviewed every six months.
• If possible, store irreplaceable items and documents like birth, marriage, death, and divorce certificates; passports; deeds; social security cards; expensive jewelry; and heirlooms in a safety deposit box during high-risk seasons if you live in an area frequently hit by natural disasters. You may also put video or photo documentation, a listing of serial numbers, appraisals, and receipts for these items in your safety deposit box.
• Scan your photos to your computer. You can store your photos with an online storage service or make a CD to place in your safety deposit box.
• You should have an emergency overnight bag ready to go for every person and pet in your family and always keep a credit card, emergency cash supply, and personal identification with you during high-risk seasons.

As far as disaster-specific planning goes, here are some key points:

Earthquake planning. Follow the directions from tornado planning. You might also want to place an emergency kit in your vehicle and at your place of employment. Check to make sure your child’s school is also well-prepared.

Wildfire planning. Wildfires can begin unnoticed and spread rapidly with little forewarning. An effective evacuation plan is vital in many cases. If you do have forewarning, then stay tuned to the emergency broadcasts and follow the evacuation directions from local authorities. Remember to take your emergency evacuation bag with you.
If you’re under a warning, but haven’t been advised to evacuate yet, then you might have time to turn off your gas lines and propane tanks, soak your roof and shrubs with water, move flammable furniture to the center of rooms, and move large valuables to the safest location possible.

Flood planning. Many people live in possible flood areas and don’t realize it. For example, those living in areas that recently had a wildfire and those living downstream from a dam could have problems with flash flooding. Those living in or near a construction area could find their risk of flooding increased due to changes in water flow patterns. You can assess your risk of flooding by contacting your local building authority and your insurance agent. Since basements aren’t usually covered by typical flood insurance policies, those with a basement need a plan on moving their valuables to upper-levels. Do make sure that you have an escape plan, as discussed above, in place for your family.

Tornado planning. Unlike many other disastrous events, leaving your home during a tornado warning is seldom a wise move. Everyone in your family should know where they should go during a tornado warning. While a basement is ideal, not everyone has one. You can use a central room; preferably one that doesn’t have windows or overhead objects. Be sure your emergency kit and phone numbers are in your designated room.

Hurricane planning. Most people in areas prone to hurricanes are already on high alert during hurricane season, but do keep in mind that hurricanes and the stormy remnants are often unpredictable. The flood planning from above is applicable to hurricane planning. Additionally, you’ll want to have a supply of nails and plywood ready to go so that you can board-up your home before evacuation. Remember, if your local authorities issue an evacuation, then you need to heed it.

2. Prevention
Aside from living in an area not prone to natural disasters, there isn’t much you can do to avoid them. However, unlike most other natural disasters, wildfires can sometimes be prevented. You can personally prevent fires by being careful when using open flames, maintaining your chimney flue, and not throwing cigarettes outdoors. Of course, wildfires can happen regardless of your personal care with fire.
You can help to prevent flames from impacting your home by creating a defensible space. In fact, some insurers are now inspecting properties for defensible space before issuing or renewing policies. Your insurance agent, local agricultural organizations, and federal agencies like the American Red Cross and FEMA are valuable information sources on creating defensible spaces. The damage of flooding can also be limited by planning water diversions and landscaping as protective devices.

3. Insurance
Last, but certainly not least, you should make sure your existing insurance is providing adequate protection. For example, your regular Homeowners policy most likely won’t provide coverage if a boulder falls or rolls into your home since such would be considered an earth movement and need to be covered by Earthquake insurance. Another example would be your regular Homeowners policy not covering damage from a water or sewage system outside your home breaking, or damages from a flash flood, as these would fall under Flood insurance. If you obtain Flood insurance, keep in mind that the coverage won’t become effective for 30 days and your basement usually still won’t be covered.

Teen Drinking at Parties = Insurance Issues

Posted on by butlervetinsurance

Every spring brings with it the prom and graduation party seasons. Unfortunately, these events often become occasions for teens to drink alcohol. Teens at unsupervised parties risk harming themselves and others when they drink. Parents who host these parties might bear responsibility for what happens there and for injuries or damages occurring after the guests leave. Although their Liability insurance might cover any financial damages, the circumstances of the accident determine which policy will respond, and this will affect how much coverage the parents have.

Assume that a guest consumes several beers at the party, drives off in his car, and gets into an accident, injuring himself and a passenger. The parents of both injured teens sue the parents who hosted the party, who in turn notify their Homeowners insurance company. However, the policy’s personal liability coverage does not apply to an insured person’s legal liability for:

  • The occupancy, operation, or use of a motor vehicle by any person
  • The entrustment of a motor vehicle by the insured person to anyone else
  • The insured person’s failure to supervise or negligent supervision of any person using a motor vehicle
  • The actions of a minor involving a motor vehicle.

Because of this, the Homeowners policy will not cover the parents’ liability or defense costs. Their Personal Auto insurance policy might cover them, however. The policy’s liability insurance covers the individuals named on the policy and household residents who are their relatives for their liability for bodily injury from an accident arising out of the use of any auto. Therefore, even though the parents were not actually operating the vehicle involved in the accident, their policy will cover their liability. In addition, the auto policy that applies to the car involved in the accident (the guest’s insurance, or, more likely, his parents’) will also cover the hosts’ liability for the passenger’s injuries. The hosts’ policy will step in if the owners’ policy either does not apply or pays out its maximum limit of insurance.

Now assume that the guest consumes the beer, but a sober guest gives him a ride home. Rather than go straight to bed, the young man goes for a swim in his parents’ pool and drowns. His parents sue the hosts, alleging that his judgment was impaired because the hosts allowed him to drink. In this situation, the homeowner’s policy should pay for the hosts’ liability and legal defense. Because this accident did not involve a motor vehicle, and no other policy provisions that would remove coverage apply, the policy will cover this claim.

Although one policy or the other might apply to a liquor liability claim, there could be significant differences between the amounts of coverage the two policies provide. Most homeowner’s policies provide personal liability coverage of at least $100,000 for each occurrence; many provide limits of $300,000 or $500,000. Auto policies might provide much less coverage. Most states have laws setting the minimum amounts of liability coverage that an auto policy might provide, but those limits are relatively small. For example, New York law requires minimum limits of $25,000 for injuries to one person and $50,000 for injuries to two or more people (higher amounts apply for death claims.) Should a young person become seriously injured or killed, the damages claimed could well exceed these amounts. Parents should consider buying as much liability insurance as they can afford; they should also think about buying an umbrella policy, which pays for damages that surpass the amounts payable under homeowner’s and auto policies.

Of course, the best course of action is to properly supervise parties, so that everyone has a good time and lives to have another one someday.

Spring Cleaning, You’ve Got To Be Kidding Me!

Posted on by butlervetinsurance

Spring is on its way (I swear), and it’s a perfect time to clean the garage, organize your home for summer projects or get your house set to host friends and family members for graduation parties, weddings or summer bbq’s.

Hah, my wife, Cindy, would fall off her chair laughing if I told her I was going to write about the virtues of spring cleaning or any cleaning for that matter.  The kids would be hiding because they know I’d search them out and enlist them to keep my actual cleaning involvement to a minimum.

Let’s just say that we are in perfect agreement that I have a very high clutter tolerance.  Sweeping out the garage is good on one of the first really nice weekend days of the year.  Plus with all our rain this year there is definitely major dirt accumulation on the garage floor.

This year might be slightly different though since we’ve got a wedding coming up this year.  I’ve already seen hints that I may be enlisted to think about projects that would be “necessary” if we are going to host a wedding celebration.

Spring is a time lots of families are planning forward and laying out those projects as they are sweeping, cleaning and planting everything that’s makes it so beautiful here in the summer.

All right at the risk of being mocked by my bride, here are a few tips to consider:

Analyze the situation. Walk around your home with a notebook and pen and make a list of problem areas that need the most attention.  This might include junk drawers, garages, closets, storage spaces, etc.  Ask yourself, what is it about that room that really bothers you or where will the guest be hanging out? This can help you prioritize your list of rooms to tackle first.

What can you give away to a great charity? Moving things around doesn’t do much of anything except move the problem from one room to another? There are charities that need most any kind of item that you are no longer using and you can eliminate the clutter once and for all.

Stay off of ladders, stay off of ladders, stay off of ladders. My joke is that nothing good can come from a ladder and it’s right about 90% of the time. The reason it’s right so frequently is that most people don’t have extensive experience using ladders and they are often used incorrectly.  People are very nonchalant about how far up they are and the surface they are using ladders on.  I’ll just jump up there and do this, becomes a trip to the emergency room and months of rehab.  According the National Institute of Health, over 97% of the ladder injuries occur in a non occupational setting (home) and ladder injuries rose more than 50% from 1990 through 2005. Check out how to safely use ladders at www.laddersafety.org.

Know when to do it yourself and when to hire a professional. See Ladder Safety if you want to know when to get a professional.  Okay, maybe not any time you have to use a ladder but stop and think if you have what it takes to visualize, design and implement a project.  You might be able to help but is it really something you (and/or your brother in law) are qualified to do yourself.  In my case, the Q and A is pretty short but for lots of my friends, they are quite qualified to do a lot.  Ask yourself before you get in too deep for two reasons, things go bad when we don’t know what we’re doing and it usually cost more to fix than it would have to get the right people to do it in the first place.

Remember to call us if you make additions or updates to your home.  Updates often result in premium discounts for you and we can’t cover additions if we don’t know about them!

Spring is coming, spring is coming, spring is coming!

Here are 4 Easy Ways to Reach our Total Protection Team:

  1. Call 951-600-5751 or 877-994-6787
  2. Fax 951-677-6265
  3. Email – [email protected]
  4. Visit agency.thebutlerweb.com – 24/7

Avoid Aggressive Driving and Road Rage: SAVE LIVES

Posted on by butlervetinsurance

Basic decency during driving can seem hard to come by these days. “Road rage” refers to the ability of perfectly sane people to become angry maniacs when behind the wheel of a car. On average, at least fifteen hundred people including men, women and children are killed or injured each year in America due to aggressive driving. Aggressive driving such as tailgating, cutting off other vehicles, and giving the one-finger salute are unfortunately quite common in the United States.

In fact, the problem of discourtesy when driving is responsible for as much as thirty percent of all traffic collisions. Drivers routinely ignore the basic rules of driving, engaging in overtly aggressive behaviors even to the point of murder. One of the most important situations where discourtesy results in injuries or death to other drivers is in right-of-way situations. Whenever two vehicles are driving along a path that puts them at odds with one another, the problem of right-of-way becomes boiled down to who goes first.

Right-of-way is always granted by the other driver, but the problem becomes exacerbated when drivers do not follow the rules concerning right-of-way. Unfortunately, being legally right does not mean being safe. Drivers who cede their right-of-way to the other driver might actually put themselves at risk.

Consider a common situation where, in congested traffic, a driver wants to be let in to the neighboring lane and the driver gives it to them. Before doing so, the driver must check for traffic coming from the rear. If there are two or more lanes going in the same direction, the driver also has to be aware of drivers passing him on the left, since the other driver could pass into that left lane. Other drivers who are not aware of the first driver may not understand that they are yielding their right-of-way.

Drivers must also remember to consider alternate routes. Sometimes avoiding left turns altogether can be the best choice. If a driver has missed a turn and needs to get back to the intersection, performing a U-turn might actually be very dangerous.

When you head it on the road today set an example, so that other drivers can be reassured that there is at least someone who is attempting to drive responsibly.

Thanks!

If you have any question or concerns regarding your own auto insurance, here are 4 Easy Ways to Reach Us:

1. CALL 877-994-6787 or 951-600-5751
2. Fax 951-677-6265
3. Email – [email protected]
4. Visit Our Website – www.SIAonline.com