Learn how to work through the four common driving emergencies in Klamath Falls, OR

Would You Know What To Do In the Event You Have a Driving Emergency?

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Pacific Ridge Insurance discusses the four common driving emergencies and how to work through them in Klamath Falls, OR.

Learn how to work through the four common driving emergencies in Klamath Falls, ORDriving hazards present themselves daily and can occur year-round in every state. But, would you know what to do in the event a driving hazard presented itself?

Wildlife: Hitting a deer in the roadway can be a traumatic experience, but it could also be deadly. The U.S. Dept. of Agriculture cites as many as 2 million collisions with animals occur each year in the U.S. Prepare by following these steps:

  • Stay alert: if you are driving in rural areas, be aware that wildlife is always nearby and keep a lookout towards the sides of the road.
  • Don’t swerve: Swerving cannot only results in a worse injury and more severe accident, but your insurance company might find you at fault if you swerve to miss a deer and end up hitting a tree or guard rail. Keep your car pointed forward and hit the brakes!
  • Be more aware at night: Animals can become more active in the evenings and some travel in groups. If you see one, chances are there are more nearby. If there are two lanes, drive in the lane farthest away from the side of the road.

Blown Tires: A blown tire can be a startling experience, but knowing what to do in the event you have one can save you from an accident. Keep these things in mind:

  • Don’t slam on the brakes: Slamming on the brakes with a blown tire will only make matters worse because it will cause your vehicle to pull hard in the direction of the flat. Slowly pull to the side of the roadway, as far away from traffic as possible.
  • Work to maintain your steering: If a front tire blows, it can really cause the vehicle to pull. Do your best not to overreact to the sudden jolt and swerve the other way. This could cause your vehicle to lose control.
  • Place your blown tire and wheel under the car slightly when changing your tire: So many injuries occur when a jack is improperly used. Placing your tire under the car can save you from being crushed if a jack fails.

Bugs in the Car: We’ve all experienced the spider in the car!

  • Pull over: While a spider or bee in the vehicle can be alarming, you have to remember – it is probably more afraid of you than you are of it! Carefully pull over to the side of the road and let your unwanted passenger out.
  • Don’t let it take your eyes off the road: It can be tempting to try to swat at the insect or arachnid while driving, but don’t. It will only increase the chances of causing a more serious crash.

Black Ice: It is getting to that time of year when black ice can occur on roadways. If your vehicle begins to slide on ice, it is important to understand what to do:

  • Let off the gas: Many vehicle have stability control and will work to auto-correct the problem. Stop accelerating and let your car recover.
  • Let off the brake: Applying the brakes on ice can unfortunately make matters worse. Never slam the brakes on, but gently apply them.
  • Drive slowly: if you notice the temperature beginning to plunge, drive more slowly. Less accidents occur when drivers keep the speeds under 45 MPH during icy conditions.

While we can’t always be in the car with you to avoid hazards, we can help you with your auto and home insurance questions.

If you have questions about your home, auto or commercial insurance, call the insurance agents at Pacific Ridge Insurance. They write business across the state of Oregon from their home office in Klamath Falls, OR. Policies can easily be written over the phone by calling (888) 337-5882.  With years of insurance experience they can easily help you insure everything from your home to your auto or commercial auto insurance. They live where you do and are an independent insurance agent, so they can help you find the right company to fit your needs. You can also check out their website, 24/7.

How to Protect Yourself from Uninsured Motorists in Klamath Falls, OR

How to Protect Yourself from Uninsured Motorists

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Beware of the Uninsured Motorists!

How to Protect Yourself from Uninsured Motorists in Klamath Falls, ORUninsured drivers are a huge problem across the United States. Each year billions are paid out in uninsured motorists claims. Even though uninsured motorists have steadily declined over the past decade, some states still have one in four drivers driving without insurance. You can protect yourself with an insurance coverage called uninsured motorist coverage.

Uninsured motorist coverage (often times referred to as UM, UMPD or UMBI coverage) is required in some states, so check with your insurance agent it you already have this coverage. In other states, it is purely optional, but certainly a good idea to carry. If you’re injured or are involved in an accident with an uninsured motorist, this coverage will help protect you, get your vehicle repaired and can even pay your medical bills as well as act as insurance in case of a lawsuit if you’re badly injured.

Uninsured coverage comes in many forms, all meant to protect you in case you’re involved in an accident with an uninsured motorist. When reading these coverages, please keep in mind that the policies and laws vary by state.

Uninsured Motorist Bodily Injury

This coverage may pay for damages when a covered person is injured and the person at fault for the accident does not have liability insurance.

Underinsured Motorist Bodily Injury

This coverage may pay for damages when a covered person is injured and the person at fault for the accident does not have enough liability insurance.

Uninsured/Underinsured Motorist Property Damage

This coverage may pay for damages when a covered vehicle is damaged and the person at fault for the accident does not have liability insurance or does not have enough liability insurance.

UM coverage varies by state and according to law so if you’d like to learn more about UM coverage, simply contact your insurance agent to inquire.

If you have questions about your home, auto or commercial insurance, call the insurance agents at Pacific Ridge Insurance. They write business across the state of Oregon from their home office in Klamath Falls, OR. Policies can easily be written over the phone by calling (888) 337-5882.  With years of insurance experience they can easily help you insure everything from your home to your auto or commercial auto insurance. They live where you do and are an independent insurance agent, so they can help you find the right company to fit your needs. You can also check out their website, 24/7.

Fall Dangers Klamath Falls, OR

Fall Dangers: Be alert!

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Fall is one of our favorite seasons! The leaves, the cooler, shorter days and of course, pumpkin spice everything. There are some seasonal dangers associated with fall that can be quite hazardous if one is not prepared. Knowing what these dangers are and how to anticipate them can mean the difference between a lovely, relaxing fall and having to file a potentially costly insurance claim.

Seasonal Fall Dangers in Oregon:

  • The Road: A drive to see the fall colors can be relaxing and enjoyable for all. You should be aware of changing weather conditions. Fall brings rain, wind and fog. Standing water on the roadways can create a slick, ice-like surface making it difficult to control the vehicle or hydroplane. If you happen to be in an area where leaves are falling, the leaves have a similar ice-like effect on the car. Another potential danger while in the car is fog. Fog can seemingly roll in from nowhere and impede your ability to see road hazards like traffic, debris, etc. For all these dangers, the best course of action is attentive driving. Reduce your speed, increase your following distance and stay alert to changing conditions.
  • The Wind: The winds returns, sometimes with a vengeance, during the fall. The wind can blow cars around the road and debris into the road, so during an episode of high winds, be alert to debris that may be entering the roadways. Trees and tree branches can also be a hazard. Trees that are diseased or branches that are low-hanging can become dislodged and cause massive amounts of damage to homes, garages and cars. The best way to try and stave off falling trees and branches is to trim all low-hanging branches that reside over dwellings. If your neighbors have tree branches that sit over your dwellings, work with them to get the branches removed. Also, if you suspect your trees to be diseased, have them inspected and removed.
  • The Water: A gentle fall rain can be soothing, but let’s be honest the rain in the fall tends to be more torrential. Fast moving storms can overwhelm storm drains (that could already be blocked with leaves or other debris) and the oversaturated ground cannot absorb the water resulting in large amounts of standing water or a flash flood. Remember that a standard homeowner’s insurance policy does not cover outside water entering your home due to rain or flood. If you live in an area that is prone to flooding, having sandbags on hand in case of a storm could be the difference between just mopping off your front porch and filing a flood insurance claim.

With a little preparation, you may be able to avoid an unpleasant situation and a costly insurance claim. The insurance experts at Pacific Ridge Insurance in Klamath Falls, OR can assist you with setting up policies like auto insurance, home insurance and flood insurance. If you have questions about your current insurance policies or about the potential fall dangers in the Klamath Falls area, give your Pacific Ridge Insurance agent a call. You can also visit their insurance website 24/7!