(2712,1,'2022-08-15 15:04:24','2022-08-15 15:04:24','<!-- wp:image {\"id\":2711,\"sizeSlug\":\"full\",\"linkDestination\":\"none\"} -->\n<figure class=\"wp-block-image size-full\"><img src=\"http://smartinsurance.tips/wp-content/uploads/2022/08/Insurance-5.png\" alt=\"\" class=\"wp-image-2711\"/></figure>\n<!-- /wp:image -->\n\n<!-- wp:heading {\"textColor\":\"black\",\"fontSize\":\"extra-large\"} -->\n<h2 class=\"has-black-color has-text-color has-extra-large-font-size\" id=\"mntl-sc-block_1-0\">What Is Runoff Insurance?</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\" id=\"mntl-sc-block_1-0-1\">Runoff insurance is an insurance policy provision that covers claims made against companies that have been acquired, merged, or have ceased operations.&nbsp;Runoff insurance, also known as closeout insurance, is purchased by the company being acquired and&nbsp;indemnifies—exempts from liability—the acquiring company from lawsuits against the directors and officers of the acquired company.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3,\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<h3 class=\"has-black-color has-text-color has-large-font-size\" id=\"mntl-sc-block-callout-heading_1-0\"><strong>KEY TAKEAWAYS</strong></h3>\n<!-- /wp:heading -->\n\n<!-- wp:list {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<ul class=\"has-black-color has-text-color has-large-font-size\"><li>Runoff insurance protects an acquiring company from legal claims made against a company being acquired or a company that has merged or ceased operations.</li><li>A runoff policy applies for a certain period after the policy is active acting as a claims-made policy rather than an occurrence policy.</li><li>Runoff policies are similar to extended reporting period provisions except they apply to multi-year periods, not just one year.</li></ul>\n<!-- /wp:list -->\n\n<!-- wp:heading {\"textColor\":\"black\",\"fontSize\":\"extra-large\"} -->\n<h2 class=\"has-black-color has-text-color has-extra-large-font-size\" id=\"mntl-sc-block_1-0-5\">Understanding Runoff Insurance</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\" id=\"mntl-sc-block_1-0-6\">Acquiring a company means taking possession&nbsp;of its assets, but also its liabilities, including those&nbsp;only be discovered in the future. Obligations arise for many reasons. Third&nbsp;parties may feel that they were not treated fairly in contracts.&nbsp;Investors may feel upset with how the previous directors and officers ran the business. Competitors may claim infringement of intellectual property rights. An acquiring company might demand that the company being acquired purchase runoff insurance to protect itself from these liabilities.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\" id=\"mntl-sc-block_1-0-8\">A runoff policy is a type of&nbsp;claims-made policy&nbsp;rather than an occurrence policy. The difference in policy type is because the claim may be made several years after the incident that caused damage or loss, and occurrence policies provide coverage only during the period that the policy was active. The length of the runoff policy, referred to simply as the “runoff,”&nbsp;is typically set for several years after the policy becomes active. The provision is purchased by the acquiring company, and the purchase funds are often included in the acquisition price.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\" id=\"mntl-sc-block_1-0-10\">Professionals may also purchase runoff insurance to cover professional liabilities that occur after a business has closed. For example, a physician who closes their private practice may purchase runoff insurance to protect themselves from claims filed by previous patients. This type of policy is typically renewed until the statute of limitations on filing a claim has passed. If the business continues to offer services, its policies typically extend indemnification making the purchase of a runoff provision unnecessary.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Important: The following insurance policies should have a runoff provision: directors and officers (D&amp;O) insurance, fiduciary liability insurance, professional liability (E&amp;O) insurance, and employment practices liability (EPL) insurance.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"textColor\":\"black\",\"fontSize\":\"extra-large\"} -->\n<h2 class=\"has-black-color has-text-color has-extra-large-font-size\" id=\"mntl-sc-block_1-0-14\">Runoff Insurance Example</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\" id=\"mntl-sc-block_1-0-15\">Consider a hypothetical runoff&nbsp;policy written for a term between&nbsp;Jan.&nbsp;1, 2017, and Jan.&nbsp;1,&nbsp;2018. In this situation, coverage will apply&nbsp;to all claims caused by wrongful acts committed between Jan.&nbsp;1, 2017, and&nbsp;Jan.&nbsp;1,&nbsp;2018, that are&nbsp;reported to the insurer from Jan. 1, 2018, to Jan. 1, 2023. That is, the five years immediately following the end of the policy term.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"textColor\":\"black\",\"fontSize\":\"extra-large\"} -->\n<h2 class=\"has-black-color has-text-color has-extra-large-font-size\" id=\"mntl-sc-block_1-0-19\">Special Considerations</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\" id=\"mntl-sc-block_1-0-20\">Although runoff insurance provisions function similarly to&nbsp;extended reporting period&nbsp;(ERP) provisions, there are several differences. First, ERPs are typically only for one-year terms, whereas runoff provisions normally encompass multi-year periods. Second, ERPs are frequently&nbsp;purchased when the insured individual switches from one claims-made insurer to another, whereas runoff provisions are used when one insured is acquired by or merges with another.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p></p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>To read the full article,&nbsp;<a href=\"https://www.investopedia.com/terms/r/runoff-insurance.asp\">click here.</a></p>\n<!-- /wp:paragraph -->','Runoff Insurance','','inherit','closed','closed','','2672-revision-v1','','','2022-08-15 15:04:24','2022-08-15 15:04:24','',2672,'http://smartinsurance.tips/?p=2712',0,'revision','',0),(2713,1,'2022-08-15 15:05:11','2022-08-15 15:05:11','','Insurance-6-1','','inherit','closed','closed','','insurance-6-1','','','2022-08-15 15:05:11','2022-08-15 15:05:11','',2674,'http://smartinsurance.tips/wp-content/uploads/2022/08/Insurance-6-1.png',0,'attachment','image/png',0),(2714,1,'2022-08-15 15:05:16','2022-08-15 15:05:16','<!-- wp:image {\"id\":2713,\"sizeSlug\":\"full\",\"linkDestination\":\"none\"} -->\n<figure class=\"wp-block-image size-full\"><img src=\"http://smartinsurance.tips/wp-content/uploads/2022/08/Insurance-6-1.png\" alt=\"\" class=\"wp-image-2713\"/></figure>\n<!-- /wp:image -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Loan protection insurance can be an ideal solution to protect yourself, and your finances, against economic emergencies. While no one wants to contemplate a future in which they are unable to take care of their monthly bills, loan protection insurance promises to help with specific loan repayments if you are unable to work due to disability or periods of unemployment. However, it is essential to understand the details of what loan protection insurance provides before deciding as to whether it is right for you.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"textColor\":\"black\",\"fontSize\":\"extra-large\"} -->\n<h2 class=\"has-black-color has-text-color has-extra-large-font-size\">What Is Loan Protection Insurance?</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Most people make major purchases with the full expectation that they will be able to continue working and producing at their current or better income level for many years to come. Then the unexpected happens, and they are unable to work and earn income.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">It could be an illness that requires a lengthy recovery and rehabilitation period. It could be a financial windstorm that leaves you, along with thousands, if not hundreds of thousands, of people out of work with no job prospects in sight. Loan protection insurance is designed to help you by providing financial support to help you repay your loans in these instanced.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">This type of protection is usually an optional coverage you can purchase when obtaining personal, auto or home loans.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"textColor\":\"black\",\"fontSize\":\"extra-large\"} -->\n<h2 class=\"has-black-color has-text-color has-extra-large-font-size\">How Does It Work?</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">In the case of mortgage protection, the insurance works by making your monthly mortgage payment on your behalf if you should become disabled through an illness or injury that renders you unable to work or if you are laid off from your job. Most plans have strict limits about how long you must have the policy in place before it will begin making payments for you as well as limits on how long the mortgage payments will continue.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">The standard for most policies is that the plan needs to be in effect for 60 days before the protection goes into effect, with a limit of 24 total months of protection for the duration of the coverage. Most people can get back on their feet from a temporary setback or make other arrangements to pay their mortgages within a 24-month frame of time. However, one consideration, in deciding whether a loan protection plan is right for you, is whether the 24-month window would provide the necessary payment coverage in the event of a deep and extended recession or lengthy illness.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"textColor\":\"black\",\"fontSize\":\"extra-large\"} -->\n<h2 class=\"has-black-color has-text-color has-extra-large-font-size\">How You Can Benefit: The Pros</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">The main benefit of loan protection insurance is the peace of mind it provides. The time-window for protection allows you to focus on treatment and recovery (or a job search if you are unemployed) rather than how you are going to keep a roof over your head in the coming months. That is the point of insurance, after all, to provide peace of mind to the insured and allow them the breathing room they need to focus on recovering from disasters without the added worry of potential financial devastation.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Not only can it help you keep making your mortgage, auto or personal loan payment while experiencing a significant illness, loan protection insurance also protects your credit score while you go through these devastating experiences as well. That can help you with negotiating power when you attempt to obtain favorable loan terms for other loans or credit cards. Had you not been able to continue making loan payments, you might receive less than optimal rates on new loans or suffer penalizing higher interest rates on outstanding credit card balances.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Finally, acceptance rates for this type of insurance protection are incredibly high, so most people don’t have to worry about being turned down because of your age, occupation, marital status, or other financial issues.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"textColor\":\"black\",\"fontSize\":\"extra-large\"} -->\n<h2 class=\"has-black-color has-text-color has-extra-large-font-size\">What to Look Out For: The Cons</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">It is not all sunshine and roses though. Not only do you need to stick with reputable insurers for this type of insurance protection, but you also need to make sure you read and understand the fine print of your policy.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Common causes for refusals to pay out, for instance, include:</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:list {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<ul class=\"has-black-color has-text-color has-large-font-size\"><li>Working only part-time</li><li>Self-employment</li><li>Pre-existing medical conditions rendering you unable to work</li><li>Employment based on short-term contracts</li><li>You are unable to work any job other than your current job</li></ul>\n<!-- /wp:list -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Some people find employer-sponsored long-term disability plans are better solutions to help them cover their costs and expenses during periods of unemployment due to illness or injury, though those aren’t effective for unemployment concerns.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">You will need to compare policies, investigate companies offering coverage (and their records for denying claims), and choose your loan protection insurance policy wisely if this is the route you decide to go. There are no absolutes. Even companies with the best reputations may have policy shifts that err on the side of the company rather than the insured.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">The Takeaway: Loan protection insurance fills a unique role with potentially substantial benefits, but there are downsides too. The key is to investigate thoroughly, understand your risks, and make informed decisions about the value of the coverage, should you have a prolonged health problem or period of unemployment.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p></p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>To read the full article,&nbsp;<a href=\"https://financialwellnesscenter.northwest.bank/credit-and-debt/debt/article/the-pros-and-cons-of-loan-protection-insurance\">click here.</a></p>\n<!-- /wp:paragraph -->','The Pros and Cons of Loan Protection Insurance','','inherit','closed','closed','','2674-revision-v1','','','2022-08-15 15:05:16','2022-08-15 15:05:16','',2674,'http://smartinsurance.tips/?p=2714',0,'revision','',0),(2715,1,'2022-08-15 15:05:54','2022-08-15 15:05:54','','Insurance-7','','inherit','closed','closed','','insurance-7-6','','','2022-08-15 15:05:54','2022-08-15 15:05:54','',2688,'http://smartinsurance.tips/wp-content/uploads/2022/08/Insurance-7.png',0,'attachment','image/png',0),(2716,1,'2022-08-15 15:05:57','2022-08-15 15:05:57','<!-- wp:image {\"id\":2715,\"sizeSlug\":\"full\",\"linkDestination\":\"none\"} -->\n<figure class=\"wp-block-image size-full\"><img src=\"http://smartinsurance.tips/wp-content/uploads/2022/08/Insurance-7.png\" alt=\"\" class=\"wp-image-2715\"/></figure>\n<!-- /wp:image -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Homeowners insurance offers protection for your&nbsp;dwelling&nbsp;and&nbsp;personal belongings. It also offers&nbsp;personal liability coverage&nbsp;and additional living expense coverage if your home becomes inhabitable. There are&nbsp;eight types of homeowners insurance&nbsp;based on the dwelling type. Mobile home insurance is known as an HO-7 homeowners policy.&nbsp;</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Unlike&nbsp;car insurance, you aren\'t legally required to have homeowners insurance. However, your lender may require homeowners insurance if you have a mortgage. Similarly, mobile home communities may require owners to have mobile home insurance.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"textColor\":\"black\",\"fontSize\":\"extra-large\"} -->\n<h2 class=\"has-black-color has-text-color has-extra-large-font-size\" id=\"what-is-mobile-home-insurance?\"><strong>What is mobile home insurance?</strong></h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">A mobile home — also referred to as a manufactured home — can be relocated by the owner. It is usually built on a chassis while allowing the home to move. A modular home is not the same as a mobile home. Modular homes, like traditional homes, are permanently built on a foundation.&nbsp;</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Due to foundational risks, mobile homes tend to cost more to insure than modular homes. You&nbsp;must purchase a standard HO-3 policy if you have a modular home. If you own a mobile home, you must purchase an HO-7 policy.&nbsp;&nbsp;</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:table -->\n<figure class=\"wp-block-table\"><table><tbody><tr><td><strong>Modular home</strong></td><td><strong>Mobile home</strong></td></tr><tr><td>Usually insured on a standard homeowners policyConstructed according to local, state, and regional building codes (may overlap with federal codes)Built on a permanent foundation (slab or a basement)</td><td>Insured with policies that account for the increased risk of damage from wind and other hazardsMade according to construction codes administered by HUDBuilt on a chassis, similar to a motor vehicle</td></tr></tbody></table></figure>\n<!-- /wp:table -->\n\n<!-- wp:heading {\"textColor\":\"black\",\"fontSize\":\"extra-large\"} -->\n<h2 class=\"has-black-color has-text-color has-extra-large-font-size\" id=\"what-does-mobile-home-insurance-cover?\"><strong>What does mobile home insurance cover?</strong></h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Several types of coverages come with your mobile home coverage:&nbsp;</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:list {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<ul class=\"has-black-color has-text-color has-large-font-size\"><li><strong>Dwelling coverage:&nbsp;</strong>Covers the cost to repair or rebuild your home. Mobile homes have open peril coverage for the home and other structures under&nbsp;dwelling coverage. An open peril policy covers damages to your home, even if not explicitly stated in the policy.&nbsp;</li><li><strong>Personal property coverage:</strong>&nbsp;This protects your personal belongings and home furnishings. It covers damage and loss due to theft, fire, lightning,&nbsp;hail, and vandalism.&nbsp;</li><li><strong>Liability protection:</strong>&nbsp;This type of coverage will protect you if someone gets injured on your property or sues you for damage to their property.</li><li><strong>Loss of use coverage:</strong>&nbsp;This coverage will help you with expenses if your house becomes temporarily uninhabitable.&nbsp;</li></ul>\n<!-- /wp:list -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">There are some limits to your mobile home insurance coverage. It usually doesn\'t cover flooding, earthquakes, or wear and tear damage. However, you can get additional coverage to protect your modular home further.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"textColor\":\"black\",\"fontSize\":\"extra-large\"} -->\n<h2 class=\"has-black-color has-text-color has-extra-large-font-size\" id=\"how-much-does-mobile-homeowners-insurance-cost?\"><strong>How much does mobile homeowners insurance cost?</strong></h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Mobile home insurance can cost as little as $300 to $1,000 annually. Your property\'s location, age, and condition will affect your premium, according to&nbsp;Insure.com. Mobile homes located in coastal areas will have higher premiums.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Mobile homes located in weather zones or&nbsp;disaster-prone areas&nbsp;will increase premiums because these events need add-on riders.&nbsp;</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p></p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>To read the full article,&nbsp;<a href=\"https://www.businessinsider.com/personal-finance/mobile-home-insurance\">click here.</a></p>\n<!-- /wp:paragraph -->','Mobile home insurance will cover homes built on wheeled structures','','inherit','closed','closed','','2688-revision-v1','','','2022-08-15 15:05:57','2022-08-15 15:05:57','',2688,'http://smartinsurance.tips/?p=2716',0,'revision','',0),(2719,1,'2022-08-15 15:07:59','2022-08-15 15:07:59','','Insurance-9','','inherit','closed','closed','','insurance-9-4','','','2022-08-15 15:07:59','2022-08-15 15:07:59','',2678,'http://smartinsurance.tips/wp-content/uploads/2022/08/Insurance-9.png',0,'attachment','image/png',0),(2720,1,'2022-08-15 15:08:07','2022-08-15 15:08:07','<!-- wp:image {\"id\":2719,\"sizeSlug\":\"full\",\"linkDestination\":\"none\"} -->\n<figure class=\"wp-block-image size-full\"><img src=\"http://smartinsurance.tips/wp-content/uploads/2022/08/Insurance-9.png\" alt=\"\" class=\"wp-image-2719\"/></figure>\n<!-- /wp:image -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Bicycling is increasingly popular, both as a sport and as a means of transportation. Whether you spent a few hundred or a few thousand dollars on your bike, whether you use it to commute to work or to cycle around the block with your kids, it\'s important to understand the rules of the bike lane and protect your financial investment with the proper insurance.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"textColor\":\"black\",\"fontSize\":\"extra-large\"} -->\n<h2 class=\"has-black-color has-text-color has-extra-large-font-size\">Properly insure your bicycle—and your assets</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Bicycling is increasingly popular, both as a sport and as a means of transportation. And bicycles can cost anywhere from several hundred dollars for a basic bike to thousands of dollars for specialized racing bikes.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Bicycles are covered under the personal property section of&nbsp;standard homeowners&nbsp;and&nbsp;renters insurance policies. This coverage will reimburse you, minus your deductible, if your bike is stolen or damaged in a fire, hurricane or other disaster listed in your policy.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">If you are purchasing a new bicycle, keep the receipt and add the bike to your home inventory list. If you own a particularly expensive model, call your insurance professional to review your options. He or she may recommend an&nbsp;endorsement that will provide additional coverage.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Homeowners and renters policies also provide protection for harm you may cause to someone else or to their property. In the event you injure someone while riding your bike, your policy includes no-fault medical coverage, usually ranging from $1,000 to $5,000. If the injured party decides to sue, you will be covered up to the liability limits of your policy so, as always, make sure you have adequate coverage to protect your assets.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"textColor\":\"black\",\"fontSize\":\"extra-large\"} -->\n<h2 class=\"has-black-color has-text-color has-extra-large-font-size\"><a></a>Keep your bicycle locked and secure</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Whenever you\'re not riding it, prevent bike theft by taking these precautions:</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:list {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<ul class=\"has-black-color has-text-color has-large-font-size\"><li><strong>Always lock up your bike</strong>, even if it is in your garage, an apartment stairwell, or a college dormitory. Make sure it\'s in a visible, well-lit area.</li><li><strong>Lock your bicycle to a fixed, immovable object</strong>&nbsp;like a parking meter or permanent bike rack. Be careful not to lock it to items that can be easily cut, broken or removed, and make sure that the bike cannot be lifted over the top of the object to which it\'s locked.</li><li><strong>Use a U-lock.</strong>&nbsp;For maximum security, position the bike frame and wheels so that they take up as much of the open space within the U-portion of the lock as possible. The tighter the lock-up, the harder it is for a thief to use tools to attack the lock. Always position a U-lock so that the keyhole is facing down towards the ground. Do not position the lock close to the ground as this makes it easier for a thief to break it.</li><li><strong>Change your bike lock-up locations.</strong>&nbsp;If you secure it in the same location all the time, a thief may notice the pattern and target you.</li><li><strong>Consider registering your bike</strong>&nbsp;with the&nbsp;National Bike Registry, so if a bike is stolen it can potentially be traced.</li></ul>\n<!-- /wp:list -->\n\n<!-- wp:heading {\"textColor\":\"black\",\"fontSize\":\"extra-large\"} -->\n<h2 class=\"has-black-color has-text-color has-extra-large-font-size\"><a></a>Just in case—take steps to make insurance claims easier</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Minimize the pain of theft or damage by being prepared in the case of an insurance claim for your bike and related items.&nbsp;</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:list {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<ul class=\"has-black-color has-text-color has-large-font-size\"><li>Add your bicycle to your home inventory, as well as any related items, such as a helmet, patch kits, pumps, extra inner tubes and other essentials—not to mention that fancy new bike jersey. If your bike and related items are stolen or destroyed, having an inventory can help speed the claims process.</li><li><strong>Save your receipts</strong>. Make sure to save your receipts for your bicycle as well as any of the aforementioned nifty equipment and accessories you purchase for use with it. The cost of these can add up quickly and, again, proof of what you paid will greatly speed the claims process. Keep these with your home inventory, above.</li></ul>\n<!-- /wp:list -->\n\n<!-- wp:heading {\"textColor\":\"black\",\"fontSize\":\"extra-large\"} -->\n<h2 class=\"has-black-color has-text-color has-extra-large-font-size\"><a></a>Keep yourself safe while riding</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Your safety is, of course, of utmost importance. The National Highway Traffic Safety Administration suggests that cyclists follow these seven rules:</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:list {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<ul class=\"has-black-color has-text-color has-large-font-size\"><li><strong>Protect your head</strong>. Never ride a bike without a properly fitted helmet.</li><li><strong>Assure bicycle readiness.&nbsp;</strong>Ride a bike that fits you and check all parts of the bicycle to make sure they are secure and working well.</li><li><strong>Learn and follow the rules of the road.&nbsp;</strong>Bicycles are considered vehicles on the road; therefore riders must follow the same traffic laws as drivers of motor vehicles.</li><li><strong>Act like a driver of a motor vehicle.&nbsp;</strong>Always ride with the flow of traffic, on the right side of the road, and as far to the right of the road as is practicable and safe.</li><li><strong>Be visible.&nbsp;</strong>Always assume you are not seen by others and take responsibility for making yourself visible to motorists, pedestrians and other cyclists.</li><li><strong>“Drive with care.”&nbsp;</strong>When you ride, consider yourself the driver of a vehicle and always keep safety in mind. Ride in the bike lane, if available. Take extra care when riding on a roadway. Courtesy and predictability are key to safe cycling.</li><li><strong>Stay focused. Stay alert.&nbsp;</strong>Never wear headphones as they hinder your ability to hear traffic. Be aware of your surroundings and ride defensively.</li></ul>\n<!-- /wp:list -->\n\n<!-- wp:paragraph -->\n<p></p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>To read the full article,&nbsp;<a href=\"https://www.iii.org/article/bicycle-safety-and-insurance\">click here.</a></p>\n<!-- /wp:paragraph -->','Bicycle safety and insurance','','inherit','closed','closed','','2678-revision-v1','','','2022-08-15 15:08:07','2022-08-15 15:08:07','',2678,'http://smartinsurance.tips/?p=2720',0,'revision','',0),(2721,1,'2022-08-15 15:08:42','2022-08-15 15:08:42','','Insurance-10','','inherit','closed','closed','','insurance-10-5','','','2022-08-15 15:08:42','2022-08-15 15:08:42','',2681,'http://smartinsurance.tips/wp-content/uploads/2022/08/Insurance-10.png',0,'attachment','image/png',0),(2722,1,'2022-08-15 15:08:45','2022-08-15 15:08:45','<!-- wp:image {\"id\":2721,\"sizeSlug\":\"full\",\"linkDestination\":\"none\"} -->\n<figure class=\"wp-block-image size-full\"><img src=\"http://smartinsurance.tips/wp-content/uploads/2022/08/Insurance-10.png\" alt=\"\" class=\"wp-image-2721\"/></figure>\n<!-- /wp:image -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Standard homeowners policies cover a wide range of potential disasters, from tornadoes to lightning strikes to winter storm damage. Policies do vary, though, so for your own peace of mind, check yours for the specific perils covered. Learn what\'s generally covered by each homeowners insurance policy type—and what\'s not.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"extra-large\"} -->\n<p class=\"has-black-color has-text-color has-extra-large-font-size\">What type of disasters are covered?</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:table {\"className\":\"is-style-regular\",\"fontSize\":\"extra-small\"} -->\n<figure class=\"wp-block-table is-style-regular has-extra-small-font-size\"><table><thead><tr><th>&nbsp;</th><th>Dwelling &amp; personal property</th><th>Dwelling</th><th>Personal property</th><th>&nbsp;Dwelling &amp; personal property</th></tr><tr><th>Perils</th><th>Basic HO-1*+</th><th>Broad HO-2*</th><th>Special HO-3*</th><th>Special HO-3</th><th>Renters HO-4</th><th>Condo/Co-op HO-6</th><th>Modified Coverage HO-8</th></tr></thead><tbody><tr><td>1. Fire or lightning</td><td>x</td><td>x</td><td>x</td><td>x</td><td>x</td><td>x</td><td>x</td></tr><tr><td>2. Windstorm or hail</td><td>x</td><td>x</td><td>x</td><td>x</td><td>x</td><td>x</td><td>x</td></tr><tr><td>3. Explosion</td><td>x</td><td>x</td><td>x</td><td>x</td><td>x</td><td>x</td><td>x</td></tr><tr><td>4. Riot or civil commotion</td><td>x</td><td>x</td><td>x</td><td>x</td><td>x</td><td>x</td><td>x</td></tr><tr><td>5. Damage caused by aircraft</td><td>x</td><td>x</td><td>x</td><td>x</td><td>x</td><td>x</td><td>x</td></tr><tr><td>6. Damage caused by vehicles</td><td>x</td><td>x</td><td>x</td><td>x</td><td>x</td><td>x</td><td>x</td></tr><tr><td>7. Smoke</td><td>x</td><td>x</td><td>x</td><td>x</td><td>x</td><td>x</td><td>x</td></tr><tr><td>8. Vandalism or malicious mischief</td><td>x</td><td>x</td><td>x</td><td>x</td><td>x</td><td>x</td><td>x</td></tr><tr><td>9. Theft</td><td>x</td><td>x</td><td>x</td><td>x</td><td>x</td><td>x</td><td>x</td></tr><tr><td>10. Volcanic eruption</td><td>x</td><td>x</td><td>x</td><td>x</td><td>x</td><td>x</td><td>x</td></tr><tr><td>11. Falling object</td><td>&nbsp;</td><td>x</td><td>x</td><td>x</td><td>x</td><td>x</td><td>&nbsp;</td></tr><tr><td>12. Weight of ice, snow or sleet</td><td>&nbsp;</td><td>x</td><td>x</td><td>x</td><td>x</td><td>x</td><td>&nbsp;</td></tr><tr><td>13.&nbsp; Accidental discharge or overflow of<br>water or steam from within a plumbing,<br>heating, air conditioning, or automatic<br>fire-protective sprinkler system, or from<br>a household appliance.</td><td>&nbsp;</td><td>x</td><td>x</td><td>x</td><td>x</td><td>x</td><td>&nbsp;</td></tr><tr><td>14. Sudden and accidental tearing apart,<br>cracking, burning, or bulging of a steam<br>or hot water heating system, an air<br>conditioning or automatic fire-protective<br>system.</td><td>&nbsp;</td><td>x</td><td>x</td><td>x</td><td>x</td><td>x</td><td>&nbsp;</td></tr><tr><td>15. Freezing of a plumbing, heating, air<br>conditioning or automatic, fire-protective<br>sprinkler system, or of a household appliance.</td><td>&nbsp;</td><td>x</td><td>x</td><td>x</td><td>x</td><td>x</td><td>&nbsp;</td></tr><tr><td>16. Sudden and accidental damage from<br>artificially generated electrical current<br>(does not include loss&nbsp; to a tube, transistor<br>or similar electronic component)</td><td>&nbsp;</td><td>x</td><td>x</td><td>x</td><td>x</td><td>x</td><td>&nbsp;</td></tr><tr><td>17. All perils except flood, earthquake, war,<br>nuclear accident, landslide, mudslide,<br>sinkhole and others specified in your<br>policy. Check your policy for a complete<br>list of perils excluded.</td><td>&nbsp;</td><td>&nbsp;</td><td>x</td><td>&nbsp;</td><td>&nbsp;</td><td>&nbsp;</td><td>&nbsp;</td></tr></tbody></table></figure>\n<!-- /wp:table -->\n\n<!-- wp:paragraph -->\n<p></p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"textColor\":\"black\",\"fontSize\":\"extra-large\"} -->\n<h2 class=\"has-black-color has-text-color has-extra-large-font-size\">Disasters that are not covered</h2>\n<!-- /wp:heading -->\n\n<!-- wp:list {\"ordered\":true,\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<ol class=\"has-black-color has-text-color has-large-font-size\"><li><strong>Floods.</strong>&nbsp;Flood damage is excluded under standard homeowners and renters insurance policies. Separate flood insurance coverage, however, is available for both homeowners and renters as a separate policy both from the&nbsp;National Flood Insurance Program&nbsp;(NFIP) and from a few private insurers. Learn more&nbsp;about flood insurance—whether you need it, how to get it, and more.</li><li><strong>Earthquakes.</strong>&nbsp;Earthquake coverage is available from most insurance companies as a separate policy or an endorsement to your homeowners or renters policy. Learn more&nbsp;about earthquake insurance.</li><li><strong>Maintenance damage.</strong>&nbsp;It is your responsibility to maintain your home and take reasonable precautions to protect your home from damage. Your insurance policy will not cover damage due to lack of maintenance,&nbsp;mold&nbsp;or infestation from termites or other pests.</li><li><strong>Sewer Backup.</strong>&nbsp;Sewer backups are not covered under a typical homeowners insurance policy, nor are they covered by flood insurance. This type of coverage must be purchased either as a separate product or as an endorsement to a homeowners policy, usually at a nominal cost. Learn more&nbsp;about sewers and sewer backup insurance.</li></ol>\n<!-- /wp:list -->\n\n<!-- wp:paragraph -->\n<p></p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>To read the full article,&nbsp;<a href=\"https://www.iii.org/article/which-disasters-are-covered-by-homeowners-insurance\">click here.</a></p>\n<!-- /wp:paragraph -->','Which disasters are covered by homeowners insurance?','','inherit','closed','closed','','2681-revision-v1','','','2022-08-15 15:08:45','2022-08-15 15:08:45','',2681,'http://smartinsurance.tips/?p=2722',0,'revision','',0),(2725,1,'2022-10-12 15:44:43','2022-10-12 15:44:43','','Money-2','','inherit','closed','closed','','money-2-7','','','2022-10-12 15:44:43','2022-10-12 15:44:43','',2724,'http://smartinsurance.tips/wp-content/uploads/2022/10/Money-2.png',0,'attachment','image/png',0),(2726,1,'2022-10-12 15:49:56','2022-10-12 15:49:56','<!-- wp:image {\"id\":2725,\"sizeSlug\":\"full\",\"linkDestination\":\"none\"} -->\n<figure class=\"wp-block-image size-full\"><img src=\"http://smartinsurance.tips/wp-content/uploads/2022/10/Money-2.png\" alt=\"\" class=\"wp-image-2725\"/></figure>\n<!-- /wp:image -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Saving money is not as easy as it sounds, especially when running a business and there are expenses here and there. However, learning to save money as an entrepreneur is one of the essentials to running a business successfully.&nbsp;</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">You need to save money to grow money. So if you find your business going off track with finances, you should sit back and look for the best ways to save money.&nbsp;</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Fortunately, there are different ways to save money as an entrepreneur, build your business and still bring in profits. Here are some money-saving ideas:</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p></p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"extra-large\"} -->\n<p class=\"has-black-color has-text-color has-extra-large-font-size\"><strong>Ways to Save Money In Your Business</strong></p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p></p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3,\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<h3 class=\"has-black-color has-text-color has-large-font-size\"><strong>1. Outsource </strong></h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">We’ve all heard this word before. Deciding to take up an office space, employ staff, and pay salaries takes a massive chunk of your funds compared to outsourcing. Sometimes, it’s better financially to outsource and get external people that will do the same job for you like a staff.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3,\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<h3 class=\"has-black-color has-text-color has-large-font-size\"><strong>2. Financial planning</strong></h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">One way to take control of your finances is by writing down your plans. Make a plan of where you started and how much profit you plan to make and a backup plan. Writing your plans helps you stay accountable and make better financial decisions.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3,\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<h3 class=\"has-black-color has-text-color has-large-font-size\"><strong>3. Low marketing budget</strong></h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Another way to learn how to save in your business is by reducing the amount of money you spend on paid ads, especially when you do not see the results you desire. Go for other forms of advertising with lower costs like social media content creation, blogging, local SEO, email marketing, referrals, etc.<br></p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3,\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<h3 class=\"has-black-color has-text-color has-large-font-size\"><strong>4. Buy in bulk</strong></h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Bulk purchases will save you money on delivery and cost, especially on items that you buy frequently. It also means you might not need to purchase the product for a few more weeks or months, depending on the product.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3,\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<h3 class=\"has-black-color has-text-color has-large-font-size\"><strong>5. Cut down some expenses </strong></h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Perks are great and are an important component of company culture. However, some perks might be costing you a lot as a business especially if you are not in a good place revenue-wise. Hence, you need to find a way to reduce the not-so-necessary perks and save the business money.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3,\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<h3 class=\"has-black-color has-text-color has-large-font-size\"><strong>6. Seek business advice</strong></h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Many successful businesses also struggled at some point, so be sure to leverage their success story. Seek financial advice and ideas from successful people in your field; you can learn something from them. </p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">You can save money through other ways like getting a sponsor, especially for events where you can exchange favours with each other, swapping a product or a service, and negotiating with vendors for lower prices.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p></p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"textColor\":\"black\",\"fontSize\":\"extra-large\"} -->\n<h2 class=\"has-black-color has-text-color has-extra-large-font-size\"><strong>Bottom Line</strong>&nbsp;</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Make a plan of how much you want to save, then start by cutting down huge expenses, opting for fairly new equipment where useful rather than new ones, and adding old-fashioned marketing to the mix such as word of mouth, getting recommendations etc.&nbsp;</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">You can also use free technology to your advantage. There are a lot of free software and applications to organize, plan and make your business operations seamless, hence saving you both money and time. </p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p></p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>To read the full article, <a href=\"https://cowrywise.com/blog/save-money-in-business/\">click here.</a></p>\n<!-- /wp:paragraph -->','6 Ways to Save Money in Your Business','','inherit','closed','closed','','2724-revision-v1','','','2022-10-12 15:49:56','2022-10-12 15:49:56','',2724,'http://smartinsurance.tips/?p=2726',0,'revision','',0),(2727,1,'2022-10-12 20:58:17','2022-10-12 20:58:17','<!-- wp:image {\"id\":2728,\"sizeSlug\":\"full\",\"linkDestination\":\"none\"} -->\n<figure class=\"wp-block-image size-full\"><img src=\"http://smartinsurance.tips/wp-content/uploads/2022/10/Money-3.png\" alt=\"\" class=\"wp-image-2728\"/></figure>\n<!-- /wp:image -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"extra-large\"} -->\n<p class=\"has-black-color has-text-color has-extra-large-font-size\">5 ways to double your assets through investment</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p></p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\" id=\"mntl-sc-block_1-0\">Doubling money is a prospect that few people would turn down, and it isn’t necessarily that difficult to achieve. There are actually various ways to go about making this a reality, depending on your time line and tolerance for risk. You don’t need to buy speculative investments to double your money. A carefully balanced portfolio or even one just filled with super low-risk bonds can get the job done—provided that you are patient and not in a huge rush.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3,\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<h3 class=\"has-black-color has-text-color has-large-font-size\" id=\"mntl-sc-block-callout-heading_1-0\"><strong>KEY TAKEAWAYS</strong></h3>\n<!-- /wp:heading -->\n\n<!-- wp:list {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<ul class=\"has-black-color has-text-color has-large-font-size\"><li>There are five key ways to double your money, ranging from a conservative strategy of investing in savings bonds to an aggressive approach involving speculative assets.</li><li>The classic approach of doubling your money by investing in a diversified portfolio of stocks and bonds is probably the one that applies to most investors.</li><li>Investing to double your money can be done safely over several years, but for those who are impatient, there’s more of a risk of losing most or all of their money. </li><li>Be honest about your risk tolerance. Don’t let greed and fear have an adverse impact on your investment decisions, and be extremely wary of get-rich-quick schemes.</li><li>One of the best ways to double your money is to take advantage of retirement and tax-advantaged accounts offered by employers, notably 401(k)s.</li></ul>\n<!-- /wp:list -->\n\n<!-- wp:paragraph -->\n<p></p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"textColor\":\"black\",\"fontSize\":\"extra-large\"} -->\n<h2 class=\"has-black-color has-text-color has-extra-large-font-size\" id=\"mntl-sc-block_1-0-6\">Five Ways to Double Your Money</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\" id=\"mntl-sc-block_1-0-7\">Doubling your money is actually a realistic goal that most investors can strive toward, and it is not as daunting a prospect as it may seem initially for a new investor. There are a few caveats, however:</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:list {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<ul id=\"mntl-sc-block_1-0-9\" class=\"has-black-color has-text-color has-large-font-size\"><li>Be very honest with yourself (and your investment advisor, if you have one) about your risk tolerance. Finding out that you don’t have the stomach for volatility when the market plunges 20% is the worst possible time to make this discovery and may prove detrimental to your financial well-being.</li><li>Don’t let the two emotions that drive most investors—greed and fear—have an adverse impact on your investment decisions.</li><li>Be extremely wary about get-rich-quick schemes that promise you “guaranteed” sky-high results with minimal risk, because there’s no such thing. Since there are probably many more investment scams out there than there are sure bets, be suspicious whenever you’re promised results that appear too good to be true. Whether it’s your broker, your brother-in-law, or a late-night infomercial, take the time to make sure that someone is not using <em>you</em> to double <em>their</em> money.</li></ul>\n<!-- /wp:list -->\n\n<!-- wp:paragraph -->\n<p></p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\" id=\"mntl-sc-block_1-0-11\">Broadly speaking, there are five ways to double your money. The method you choose depends largely on your appetite for risk and your time line for investing. You may also consider adopting a mix of these strategies to achieve your goal of doubling your money.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p></p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<h2 class=\"has-black-color has-text-color has-large-font-size\" id=\"mntl-sc-block_1-0-13\"><strong>1. The Classic Way</strong></h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\" id=\"mntl-sc-block_1-0-14\">Investors who have been around for a while will remember the classic Smith Barney commercials from the 1980s in which British actor John Houseman informs viewers in his unmistakable accent that “they make money the old-fashioned way—they earn it.”</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\" id=\"mntl-sc-block_1-0-16\">When it comes to the most traditional way of doubling your money, that commercial is not too far from the truth. The time-tested way to double your money over a reasonable amount of time is to invest in a solid, balanced portfolio that’s diversified between blue-chip stocks and investment-grade bonds.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\" id=\"mntl-sc-block_1-0-18\">The S&amp;P 500 Index—the most widely followed index of blue-chip stocks—returned about 9.8% annually (including dividends) from 1928 to 2020, while investment-grade corporate bonds returned 7.0% annually over this 93-year period.1 Thus, a classic 60/40 portfolio (60% equities, 40% bonds) would have returned about 8.7% annually during this time. Based on the Rule of 72, such a portfolio should double in about 8.3 years and quadruple in approximately 16.5 years.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\" id=\"mntl-sc-block_1-0-20\">Note, however, that a significant amount of volatility generally accompanies such sterling results. Investors should brace themselves for occasional sharp drawdowns, such as the 35% plunge in the S&amp;P 500 within a six-week period in the first quarter of 2020 as the coronavirus pandemic erupted worldwide.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\" id=\"mntl-sc-block_1-0-22\">In addition, very high returns compared with the historical norm may reduce the potential for future returns. For example, the S&amp;P 500 recovered from its 2020 plunge in record time and powered its way to new record highs by year-end 2020. Although it returned a jaw-dropping total return of 100% from 2019 to 2021, such stellar returns may mean that future returns from the S&amp;P 500 could be significantly lower.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3,\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<h3 class=\"has-black-color has-text-color has-large-font-size\" id=\"mntl-sc-block_1-0-26\"><strong>What About Real Estate?</strong></h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\" id=\"mntl-sc-block_1-0-27\">Real estate is another traditional way to build wealth, although it is a far less attractive proposition at times like the present, when housing prices in North America have surged to record levels in many regions. The prospect of rising interest rates also reduces the appeal of real estate investment.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\" id=\"mntl-sc-block_1-0-29\">That said, during a real estate boom, the prospect of doubling one’s money proves irresistible to many investors because the huge amount of leverage provided from mortgage financing can really juice up returns. For example, a 20% down payment on an investment property worth $500,000 would require an investor to plunk down $100,000 and get a mortgage for the balance of $400,000. If the property appreciates 20% to $600,000 in the next few years, the investor now has equity worth $200,000 in it, which represents a doubling of the original $100,000 investment.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p></p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<h2 class=\"has-black-color has-text-color has-large-font-size\" id=\"mntl-sc-block_1-0-31\"><strong>2. The Contrarian Way</strong></h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\" id=\"mntl-sc-block_1-0-32\">Even the most unadventurous investor knows that there comes a time when you must buy—not because everyone is getting in on a good thing, but because everyone is getting out.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\" id=\"mntl-sc-block_1-0-34\">Just as great athletes go through slumps when many fans turn their backs, the stock prices of otherwise great companies occasionally go through slumps, which accelerate as fickle investors bail out. As Baron Rothschild supposedly once said, smart investors “buy when there is blood in the streets, even if the blood is their own.”</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\" id=\"mntl-sc-block_1-0-36\">Nobody is arguing that you should buy garbage stocks. The point is that there are times when good investments become oversold, which presents a buying opportunity for investors who have done their homework.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\" id=\"mntl-sc-block_1-0-38\">Valuation metrics used to gauge whether a stock may be oversold include a company’s price-to-earnings ratio and book value. Both measures have well-established historical norms for the broad markets and for specific industries. When companies slip well below these historical averages for superficial or systemic reasons, smart investors smell an opportunity to double their money.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\" id=\"mntl-sc-block_1-0-40\">Being contrarian means that one is going against the prevailing trend. Therefore, it requires a greater degree of risk tolerance and a substantial amount of due diligence and research. As such, a contrarian strategy is best left to very experienced investors and is not recommended for a conservative or inexperienced investor.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p></p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<h2 class=\"has-black-color has-text-color has-large-font-size\" id=\"mntl-sc-block_1-0-42\"><strong>3. The Safe Way</strong></h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\" id=\"mntl-sc-block_1-0-43\">Just as the fast lane and the slow lane on the highway will eventually get you to the same place, there are quick and slow ways to double your money. If you prefer to play it safe, bonds can be a less hair-raising journey to the same destination.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\" id=\"mntl-sc-block_1-0-45\">Consider zero-coupon bonds, for example. For the uninitiated, zero-coupon bonds may sound intimidating. In reality, they’re simple to understand. Instead of purchasing a bond that rewards you with a regular interest payment, you buy a bond at a discount to its eventual value at maturity.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\" id=\"mntl-sc-block_1-0-47\">One hidden benefit is the absence of reinvestment risk. With standard coupon bonds, there are the challenges and risks of reinvesting the interest payments as they’re received. With zero-coupon bonds, there’s only one payoff, and it comes when the bond matures. On the flip side, zero-coupon bonds are very sensitive to changes in interest rates and can lose value as interest rates rise; this is a risk factor to be considered by an investor who does not intend to hold a zero-coupon bond to maturity.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p></p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<h2 class=\"has-black-color has-text-color has-large-font-size\" id=\"mntl-sc-block_1-0-51\"><strong>4. The Speculative Way</strong></h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\" id=\"mntl-sc-block_1-0-52\">Although slow and steady might work for some investors, others find themselves falling asleep at the wheel. For folks with a high degree of risk tolerance and some investment capital that they can afford to lose, the fastest way to supersize the nest egg may be the use of aggressive strategies such as options, margin trading, penny stocks, and in recent years, cryptocurrencies. All can super-shrink a nest egg just as quickly.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\" id=\"mntl-sc-block_1-0-54\">Stock options, such as simple puts and calls, can be used to speculate on any company’s stock. For many investors, especially those who have their fingers on the pulse of a specific industry, options can turbocharge a portfolio’s performance.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\" id=\"mntl-sc-block_1-0-56\">Each stock option potentially represents 100 shares of stock. This means that a company’s price might need to increase only a small percentage for an investor to hit one out of the park. Just be careful and be sure to do your homework before trying it.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\" id=\"mntl-sc-block_1-0-58\">For those who don’t want to learn the ins and outs of options but do want to leverage their faith or doubts about a particular stock, there’s the option of buying on margin or selling a stock short. Both of these methods allow investors to essentially borrow money from a brokerage house to buy or sell more shares than they actually have, which in turn raises their potential profits substantially. This method is not for the faint of heart. A margin call can back you into a corner, and short selling can generate infinite losses.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\" id=\"mntl-sc-block_1-0-60\">Lastly, extreme bargain hunting can turn pennies into dollars. You can roll the dice on one of the numerous former blue-chip companies that have sunk to less than a dollar. Or, you can sink some money into a company that looks like the next big thing. Penny stocks can double your money in a single trading day. Just keep in mind that the low prices of these stocks reflect the sentiment of most investors.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\" id=\"mntl-sc-block_1-0-62\">As Bitcoin has grown in popularity and become more mainstream, other cryptocurrencies have also emerged in recent years as one of the favored ways for speculators to make a quick buck. Although Bitcoin surged 60% in 2021, its performance pales in comparison with that of as many as 10 other cryptocurrencies (with a market capitalization of at least $10 billion) that soared 400% or more in 2021, such as Ethereum, Cardano, Shiba Inu, Dogecoin, Solana, and Terra. (Solana and Terra gained more than 9,000% in 2021 but have seen sharp declines in 2022.)</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\" id=\"mntl-sc-block_1-0-64\">Unfortunately, the cryptocurrency arena is a fertile hunting ground for scamsters, and there are numerous instances of crypto investors losing a great deal of money through fraud. Would-be cryptocurrency investors should therefore take the utmost care when putting their hard-earned money into any cryptocurrency.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p></p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<h2 class=\"has-black-color has-text-color has-large-font-size\" id=\"mntl-sc-block_1-0-66\"><strong>5. The Best Way</strong></h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\" id=\"mntl-sc-block_1-0-67\">Although it’s not nearly as fun as watching your favorite stock on the evening news, the undisputed heavyweight champ is an employer’s matching contribution in a 401(k) or another employer-sponsored retirement plan. It’s not sexy, and it won’t wow the neighbors, but getting an automatic 50 cents for every dollar you save is tough to beat.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\" id=\"mntl-sc-block_1-0-69\">Even better is the fact that the money going into your plan comes right off the top of what your employer reports to the Internal Revenue Service (IRS). For most Americans, this means that each dollar invested costs them only 65 to 75 cents.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\" id=\"mntl-sc-block_1-0-71\">If you don’t have access to a 401(k) plan, you still can invest in an individual retirement account (IRA), either traditional or Roth. You won’t get a company match, but the tax benefit alone is substantial. A traditional IRA has the same immediate tax benefit as a 401(k). A Roth IRA is taxed in the year when the money is invested, but when it’s withdrawn at retirement, no taxes are due on the principal or the profits.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Either type of IRA is a good deal for the taxpayer. But if you’re young, think about that Roth IRA. Zero taxes on your capital gains? That’s an easy way to get a higher effective return. If your current income is low, the government will even effectively match some portion of your retirement savings. The Retirement Savings Contributions Credit reduces your tax bill by 10% to 50% of your contribution.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p></p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"textColor\":\"black\",\"fontSize\":\"extra-large\"} -->\n<h2 class=\"has-black-color has-text-color has-extra-large-font-size\" id=\"mntl-sc-block_1-0-75\">Time Horizon and Risk Tolerance</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\" id=\"mntl-sc-block_1-0-76\">Your investing time horizon is an extremely important determinant of the amount of investment risk that you can handle and is generally dependent on your age and<em> </em>investment objectives. For example, a young professional likely has a long investment horizon, so they can take on a significant amount of risk because time is on their side when it comes to bouncing back from any losses. But what if they’re saving to buy a house within the next year? In that case, their risk tolerance will be low because they cannot afford to lose much capital in the event of a sudden market correction, which would jeopardize their primary investment objective of buying a house.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\" id=\"mntl-sc-block_1-0-78\">Likewise, conventional investing strategy suggests that people in or near retirement should have their funds deployed in safe investments like bonds and bank deposits, but in an era of extremely low interest rates, that strategy carries its own risk, mainly of the loss of purchasing power through inflation. In addition, a retired individual in their 60s with a decent pension and no mortgage or other liabilities probably would have a reasonable amount of risk tolerance.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\" id=\"mntl-sc-block_1-0-80\">Let’s now turn to the time and risk attributes of an investment itself. An investment that has the potential to double your money in a year or two is undoubtedly more exciting than one that may do so in 20 years. The issue here is that an exciting, high-growth investment will almost certainly be far more volatile than a staid, “Steady Eddy” type of investment. The higher the volatility of an investment, the riskier it is. This increased volatility or risk is the price that an investor pays for the allure of higher returns.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\"><strong>Important:</strong> The risk-return tradeoff refers to the fact that there is a strong positive correlation between risk and return. The higher the expected returns from an investment, the greater the risk; the lower the expected returns, the lower the risk.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p></p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"textColor\":\"black\",\"fontSize\":\"extra-large\"} -->\n<h2 class=\"has-black-color has-text-color has-extra-large-font-size\" id=\"mntl-sc-block_1-0-84\">How Long Does It Take to Double Your Money?</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\" id=\"mntl-sc-block_1-0-85\">The Rule of 72 is a well-known shortcut for calculating how long it will take for an investment to double if its growth compounds annually. Just divide 72 by your expected annual rate of return. The result is the number of years that it will take to double your money.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\" id=\"mntl-sc-block_1-0-87\">When dealing with low rates of return, the Rule of 72 provides a fairly accurate estimate of doubling time. However, that estimate becomes less precise at very high return rates, as can be seen in the chart below, which compares the estimates for “time to double” (in years) generated by the Rule of 72 with the actual number of years that it would take for an investment to double in value.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:image {\"id\":2729,\"sizeSlug\":\"full\",\"linkDestination\":\"none\"} -->\n<figure class=\"wp-block-image size-full\"><img src=\"http://smartinsurance.tips/wp-content/uploads/2022/10/image.png\" alt=\"\" class=\"wp-image-2729\"/></figure>\n<!-- /wp:image -->\n\n<!-- wp:paragraph -->\n<p></p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"textColor\":\"black\",\"fontSize\":\"extra-large\"} -->\n<h2 class=\"has-black-color has-text-color has-extra-large-font-size\">What’s the single best way to double your money?</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">It really depends on your risk tolerance, investment time horizon, and personal preferences. A balanced approach that involves investing in a diversified portfolio of stocks and bonds works for most people. However, those with higher risk appetites might prefer dabbling in more speculative stuff like small-cap stocks or cryptocurrencies, while others may prefer to double their money through real estate investments.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p></p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"textColor\":\"black\",\"fontSize\":\"extra-large\"} -->\n<h2 class=\"has-black-color has-text-color has-extra-large-font-size\">Can investors use all five ways in the quest to double their money?</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Yes, of course. If your employer matches contributions to your retirement plan, take advantage of that perk. Invest in a diversified portfolio of stocks and bonds and consider being a contrarian when the market plunges lower or rockets higher. If you have the risk appetite and want some sizzle on your steak, allocate a small portion of your portfolio to more aggressive strategies and investments (after doing your research and due diligence, of course). Save on a regular basis to buy a house and keep the down payment in a savings account or other relatively risk-free investment.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p></p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"textColor\":\"black\",\"fontSize\":\"extra-large\"} -->\n<h2 class=\"has-black-color has-text-color has-extra-large-font-size\">Should I invest in cryptocurrencies if I am a conservative investor with very low risk tolerance?</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">No, you should not invest in cryptocurrencies if you are a conservative investor with very low risk tolerance. Cryptocurrencies are very speculative investments, and although many of them had huge returns in 2021, their tremendous volatility makes them unsuitable for conservative investors.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p></p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>To read the full article, <a href=\"https://www.investopedia.com/articles/stocks/09/five-ways-double-investment.asp\">click here.</a></p>\n<!-- /wp:paragraph -->','How to Double Your Money?','','publish','closed','closed','','how-to-double-your-money','','','2022-10-12 20:58:17','2022-10-12 20:58:17','',0,'http://smartinsurance.tips/?p=2727',0,'post','',0),(2728,1,'2022-10-12 15:51:42','2022-10-12 15:51:42','','Money-3','','inherit','closed','closed','','money-3-5','','','2022-10-12 15:51:42','2022-10-12 15:51:42','',2727,'http://smartinsurance.tips/wp-content/uploads/2022/10/Money-3.png',0,'attachment','image/png',0),(2729,1,'2022-10-12 16:15:06','2022-10-12 16:15:06','','image','','inherit','closed','closed','','image-7','','','2022-10-12 16:15:06','2022-10-12 16:15:06','',2727,'http://smartinsurance.tips/wp-content/uploads/2022/10/image.png',0,'attachment','image/png',0),(2730,1,'2022-10-12 20:58:17','2022-10-12 20:58:17','<!-- wp:image {\"id\":2728,\"sizeSlug\":\"full\",\"linkDestination\":\"none\"} -->\n<figure class=\"wp-block-image size-full\"><img src=\"http://smartinsurance.tips/wp-content/uploads/2022/10/Money-3.png\" alt=\"\" class=\"wp-image-2728\"/></figure>\n<!-- /wp:image -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"extra-large\"} -->\n<p class=\"has-black-color has-text-color has-extra-large-font-size\">5 ways to double your assets through investment</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p></p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\" id=\"mntl-sc-block_1-0\">Doubling money is a prospect that few people would turn down, and it isn’t necessarily that difficult to achieve. There are actually various ways to go about making this a reality, depending on your time line and tolerance for risk. You don’t need to buy speculative investments to double your money. A carefully balanced portfolio or even one just filled with super low-risk bonds can get the job done—provided that you are patient and not in a huge rush.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3,\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<h3 class=\"has-black-color has-text-color has-large-font-size\" id=\"mntl-sc-block-callout-heading_1-0\"><strong>KEY TAKEAWAYS</strong></h3>\n<!-- /wp:heading -->\n\n<!-- wp:list {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<ul class=\"has-black-color has-text-color has-large-font-size\"><li>There are five key ways to double your money, ranging from a conservative strategy of investing in savings bonds to an aggressive approach involving speculative assets.</li><li>The classic approach of doubling your money by investing in a diversified portfolio of stocks and bonds is probably the one that applies to most investors.</li><li>Investing to double your money can be done safely over several years, but for those who are impatient, there’s more of a risk of losing most or all of their money. </li><li>Be honest about your risk tolerance. Don’t let greed and fear have an adverse impact on your investment decisions, and be extremely wary of get-rich-quick schemes.</li><li>One of the best ways to double your money is to take advantage of retirement and tax-advantaged accounts offered by employers, notably 401(k)s.</li></ul>\n<!-- /wp:list -->\n\n<!-- wp:paragraph -->\n<p></p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"textColor\":\"black\",\"fontSize\":\"extra-large\"} -->\n<h2 class=\"has-black-color has-text-color has-extra-large-font-size\" id=\"mntl-sc-block_1-0-6\">Five Ways to Double Your Money</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\" id=\"mntl-sc-block_1-0-7\">Doubling your money is actually a realistic goal that most investors can strive toward, and it is not as daunting a prospect as it may seem initially for a new investor. There are a few caveats, however:</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:list {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<ul id=\"mntl-sc-block_1-0-9\" class=\"has-black-color has-text-color has-large-font-size\"><li>Be very honest with yourself (and your investment advisor, if you have one) about your risk tolerance. Finding out that you don’t have the stomach for volatility when the market plunges 20% is the worst possible time to make this discovery and may prove detrimental to your financial well-being.</li><li>Don’t let the two emotions that drive most investors—greed and fear—have an adverse impact on your investment decisions.</li><li>Be extremely wary about get-rich-quick schemes that promise you “guaranteed” sky-high results with minimal risk, because there’s no such thing. Since there are probably many more investment scams out there than there are sure bets, be suspicious whenever you’re promised results that appear too good to be true. Whether it’s your broker, your brother-in-law, or a late-night infomercial, take the time to make sure that someone is not using <em>you</em> to double <em>their</em> money.</li></ul>\n<!-- /wp:list -->\n\n<!-- wp:paragraph -->\n<p></p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\" id=\"mntl-sc-block_1-0-11\">Broadly speaking, there are five ways to double your money. The method you choose depends largely on your appetite for risk and your time line for investing. You may also consider adopting a mix of these strategies to achieve your goal of doubling your money.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p></p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<h2 class=\"has-black-color has-text-color has-large-font-size\" id=\"mntl-sc-block_1-0-13\"><strong>1. The Classic Way</strong></h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\" id=\"mntl-sc-block_1-0-14\">Investors who have been around for a while will remember the classic Smith Barney commercials from the 1980s in which British actor John Houseman informs viewers in his unmistakable accent that “they make money the old-fashioned way—they earn it.”</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\" id=\"mntl-sc-block_1-0-16\">When it comes to the most traditional way of doubling your money, that commercial is not too far from the truth. The time-tested way to double your money over a reasonable amount of time is to invest in a solid, balanced portfolio that’s diversified between blue-chip stocks and investment-grade bonds.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\" id=\"mntl-sc-block_1-0-18\">The S&amp;P 500 Index—the most widely followed index of blue-chip stocks—returned about 9.8% annually (including dividends) from 1928 to 2020, while investment-grade corporate bonds returned 7.0% annually over this 93-year period.1 Thus, a classic 60/40 portfolio (60% equities, 40% bonds) would have returned about 8.7% annually during this time. Based on the Rule of 72, such a portfolio should double in about 8.3 years and quadruple in approximately 16.5 years.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\" id=\"mntl-sc-block_1-0-20\">Note, however, that a significant amount of volatility generally accompanies such sterling results. Investors should brace themselves for occasional sharp drawdowns, such as the 35% plunge in the S&amp;P 500 within a six-week period in the first quarter of 2020 as the coronavirus pandemic erupted worldwide.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\" id=\"mntl-sc-block_1-0-22\">In addition, very high returns compared with the historical norm may reduce the potential for future returns. For example, the S&amp;P 500 recovered from its 2020 plunge in record time and powered its way to new record highs by year-end 2020. Although it returned a jaw-dropping total return of 100% from 2019 to 2021, such stellar returns may mean that future returns from the S&amp;P 500 could be significantly lower.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3,\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<h3 class=\"has-black-color has-text-color has-large-font-size\" id=\"mntl-sc-block_1-0-26\"><strong>What About Real Estate?</strong></h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\" id=\"mntl-sc-block_1-0-27\">Real estate is another traditional way to build wealth, although it is a far less attractive proposition at times like the present, when housing prices in North America have surged to record levels in many regions. The prospect of rising interest rates also reduces the appeal of real estate investment.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\" id=\"mntl-sc-block_1-0-29\">That said, during a real estate boom, the prospect of doubling one’s money proves irresistible to many investors because the huge amount of leverage provided from mortgage financing can really juice up returns. For example, a 20% down payment on an investment property worth $500,000 would require an investor to plunk down $100,000 and get a mortgage for the balance of $400,000. If the property appreciates 20% to $600,000 in the next few years, the investor now has equity worth $200,000 in it, which represents a doubling of the original $100,000 investment.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p></p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<h2 class=\"has-black-color has-text-color has-large-font-size\" id=\"mntl-sc-block_1-0-31\"><strong>2. The Contrarian Way</strong></h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\" id=\"mntl-sc-block_1-0-32\">Even the most unadventurous investor knows that there comes a time when you must buy—not because everyone is getting in on a good thing, but because everyone is getting out.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\" id=\"mntl-sc-block_1-0-34\">Just as great athletes go through slumps when many fans turn their backs, the stock prices of otherwise great companies occasionally go through slumps, which accelerate as fickle investors bail out. As Baron Rothschild supposedly once said, smart investors “buy when there is blood in the streets, even if the blood is their own.”</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\" id=\"mntl-sc-block_1-0-36\">Nobody is arguing that you should buy garbage stocks. The point is that there are times when good investments become oversold, which presents a buying opportunity for investors who have done their homework.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\" id=\"mntl-sc-block_1-0-38\">Valuation metrics used to gauge whether a stock may be oversold include a company’s price-to-earnings ratio and book value. Both measures have well-established historical norms for the broad markets and for specific industries. When companies slip well below these historical averages for superficial or systemic reasons, smart investors smell an opportunity to double their money.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\" id=\"mntl-sc-block_1-0-40\">Being contrarian means that one is going against the prevailing trend. Therefore, it requires a greater degree of risk tolerance and a substantial amount of due diligence and research. As such, a contrarian strategy is best left to very experienced investors and is not recommended for a conservative or inexperienced investor.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p></p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<h2 class=\"has-black-color has-text-color has-large-font-size\" id=\"mntl-sc-block_1-0-42\"><strong>3. The Safe Way</strong></h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\" id=\"mntl-sc-block_1-0-43\">Just as the fast lane and the slow lane on the highway will eventually get you to the same place, there are quick and slow ways to double your money. If you prefer to play it safe, bonds can be a less hair-raising journey to the same destination.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\" id=\"mntl-sc-block_1-0-45\">Consider zero-coupon bonds, for example. For the uninitiated, zero-coupon bonds may sound intimidating. In reality, they’re simple to understand. Instead of purchasing a bond that rewards you with a regular interest payment, you buy a bond at a discount to its eventual value at maturity.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\" id=\"mntl-sc-block_1-0-47\">One hidden benefit is the absence of reinvestment risk. With standard coupon bonds, there are the challenges and risks of reinvesting the interest payments as they’re received. With zero-coupon bonds, there’s only one payoff, and it comes when the bond matures. On the flip side, zero-coupon bonds are very sensitive to changes in interest rates and can lose value as interest rates rise; this is a risk factor to be considered by an investor who does not intend to hold a zero-coupon bond to maturity.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p></p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<h2 class=\"has-black-color has-text-color has-large-font-size\" id=\"mntl-sc-block_1-0-51\"><strong>4. The Speculative Way</strong></h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\" id=\"mntl-sc-block_1-0-52\">Although slow and steady might work for some investors, others find themselves falling asleep at the wheel. For folks with a high degree of risk tolerance and some investment capital that they can afford to lose, the fastest way to supersize the nest egg may be the use of aggressive strategies such as options, margin trading, penny stocks, and in recent years, cryptocurrencies. All can super-shrink a nest egg just as quickly.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\" id=\"mntl-sc-block_1-0-54\">Stock options, such as simple puts and calls, can be used to speculate on any company’s stock. For many investors, especially those who have their fingers on the pulse of a specific industry, options can turbocharge a portfolio’s performance.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\" id=\"mntl-sc-block_1-0-56\">Each stock option potentially represents 100 shares of stock. This means that a company’s price might need to increase only a small percentage for an investor to hit one out of the park. Just be careful and be sure to do your homework before trying it.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\" id=\"mntl-sc-block_1-0-58\">For those who don’t want to learn the ins and outs of options but do want to leverage their faith or doubts about a particular stock, there’s the option of buying on margin or selling a stock short. Both of these methods allow investors to essentially borrow money from a brokerage house to buy or sell more shares than they actually have, which in turn raises their potential profits substantially. This method is not for the faint of heart. A margin call can back you into a corner, and short selling can generate infinite losses.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\" id=\"mntl-sc-block_1-0-60\">Lastly, extreme bargain hunting can turn pennies into dollars. You can roll the dice on one of the numerous former blue-chip companies that have sunk to less than a dollar. Or, you can sink some money into a company that looks like the next big thing. Penny stocks can double your money in a single trading day. Just keep in mind that the low prices of these stocks reflect the sentiment of most investors.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\" id=\"mntl-sc-block_1-0-62\">As Bitcoin has grown in popularity and become more mainstream, other cryptocurrencies have also emerged in recent years as one of the favored ways for speculators to make a quick buck. Although Bitcoin surged 60% in 2021, its performance pales in comparison with that of as many as 10 other cryptocurrencies (with a market capitalization of at least $10 billion) that soared 400% or more in 2021, such as Ethereum, Cardano, Shiba Inu, Dogecoin, Solana, and Terra. (Solana and Terra gained more than 9,000% in 2021 but have seen sharp declines in 2022.)</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\" id=\"mntl-sc-block_1-0-64\">Unfortunately, the cryptocurrency arena is a fertile hunting ground for scamsters, and there are numerous instances of crypto investors losing a great deal of money through fraud. Would-be cryptocurrency investors should therefore take the utmost care when putting their hard-earned money into any cryptocurrency.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p></p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<h2 class=\"has-black-color has-text-color has-large-font-size\" id=\"mntl-sc-block_1-0-66\"><strong>5. The Best Way</strong></h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\" id=\"mntl-sc-block_1-0-67\">Although it’s not nearly as fun as watching your favorite stock on the evening news, the undisputed heavyweight champ is an employer’s matching contribution in a 401(k) or another employer-sponsored retirement plan. It’s not sexy, and it won’t wow the neighbors, but getting an automatic 50 cents for every dollar you save is tough to beat.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\" id=\"mntl-sc-block_1-0-69\">Even better is the fact that the money going into your plan comes right off the top of what your employer reports to the Internal Revenue Service (IRS). For most Americans, this means that each dollar invested costs them only 65 to 75 cents.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\" id=\"mntl-sc-block_1-0-71\">If you don’t have access to a 401(k) plan, you still can invest in an individual retirement account (IRA), either traditional or Roth. You won’t get a company match, but the tax benefit alone is substantial. A traditional IRA has the same immediate tax benefit as a 401(k). A Roth IRA is taxed in the year when the money is invested, but when it’s withdrawn at retirement, no taxes are due on the principal or the profits.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Either type of IRA is a good deal for the taxpayer. But if you’re young, think about that Roth IRA. Zero taxes on your capital gains? That’s an easy way to get a higher effective return. If your current income is low, the government will even effectively match some portion of your retirement savings. The Retirement Savings Contributions Credit reduces your tax bill by 10% to 50% of your contribution.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p></p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"textColor\":\"black\",\"fontSize\":\"extra-large\"} -->\n<h2 class=\"has-black-color has-text-color has-extra-large-font-size\" id=\"mntl-sc-block_1-0-75\">Time Horizon and Risk Tolerance</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\" id=\"mntl-sc-block_1-0-76\">Your investing time horizon is an extremely important determinant of the amount of investment risk that you can handle and is generally dependent on your age and<em> </em>investment objectives. For example, a young professional likely has a long investment horizon, so they can take on a significant amount of risk because time is on their side when it comes to bouncing back from any losses. But what if they’re saving to buy a house within the next year? In that case, their risk tolerance will be low because they cannot afford to lose much capital in the event of a sudden market correction, which would jeopardize their primary investment objective of buying a house.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\" id=\"mntl-sc-block_1-0-78\">Likewise, conventional investing strategy suggests that people in or near retirement should have their funds deployed in safe investments like bonds and bank deposits, but in an era of extremely low interest rates, that strategy carries its own risk, mainly of the loss of purchasing power through inflation. In addition, a retired individual in their 60s with a decent pension and no mortgage or other liabilities probably would have a reasonable amount of risk tolerance.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\" id=\"mntl-sc-block_1-0-80\">Let’s now turn to the time and risk attributes of an investment itself. An investment that has the potential to double your money in a year or two is undoubtedly more exciting than one that may do so in 20 years. The issue here is that an exciting, high-growth investment will almost certainly be far more volatile than a staid, “Steady Eddy” type of investment. The higher the volatility of an investment, the riskier it is. This increased volatility or risk is the price that an investor pays for the allure of higher returns.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\"><strong>Important:</strong> The risk-return tradeoff refers to the fact that there is a strong positive correlation between risk and return. The higher the expected returns from an investment, the greater the risk; the lower the expected returns, the lower the risk.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p></p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"textColor\":\"black\",\"fontSize\":\"extra-large\"} -->\n<h2 class=\"has-black-color has-text-color has-extra-large-font-size\" id=\"mntl-sc-block_1-0-84\">How Long Does It Take to Double Your Money?</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\" id=\"mntl-sc-block_1-0-85\">The Rule of 72 is a well-known shortcut for calculating how long it will take for an investment to double if its growth compounds annually. Just divide 72 by your expected annual rate of return. The result is the number of years that it will take to double your money.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\" id=\"mntl-sc-block_1-0-87\">When dealing with low rates of return, the Rule of 72 provides a fairly accurate estimate of doubling time. However, that estimate becomes less precise at very high return rates, as can be seen in the chart below, which compares the estimates for “time to double” (in years) generated by the Rule of 72 with the actual number of years that it would take for an investment to double in value.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:image {\"id\":2729,\"sizeSlug\":\"full\",\"linkDestination\":\"none\"} -->\n<figure class=\"wp-block-image size-full\"><img src=\"http://smartinsurance.tips/wp-content/uploads/2022/10/image.png\" alt=\"\" class=\"wp-image-2729\"/></figure>\n<!-- /wp:image -->\n\n<!-- wp:paragraph -->\n<p></p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"textColor\":\"black\",\"fontSize\":\"extra-large\"} -->\n<h2 class=\"has-black-color has-text-color has-extra-large-font-size\">What’s the single best way to double your money?</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">It really depends on your risk tolerance, investment time horizon, and personal preferences. A balanced approach that involves investing in a diversified portfolio of stocks and bonds works for most people. However, those with higher risk appetites might prefer dabbling in more speculative stuff like small-cap stocks or cryptocurrencies, while others may prefer to double their money through real estate investments.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p></p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"textColor\":\"black\",\"fontSize\":\"extra-large\"} -->\n<h2 class=\"has-black-color has-text-color has-extra-large-font-size\">Can investors use all five ways in the quest to double their money?</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Yes, of course. If your employer matches contributions to your retirement plan, take advantage of that perk. Invest in a diversified portfolio of stocks and bonds and consider being a contrarian when the market plunges lower or rockets higher. If you have the risk appetite and want some sizzle on your steak, allocate a small portion of your portfolio to more aggressive strategies and investments (after doing your research and due diligence, of course). Save on a regular basis to buy a house and keep the down payment in a savings account or other relatively risk-free investment.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p></p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"textColor\":\"black\",\"fontSize\":\"extra-large\"} -->\n<h2 class=\"has-black-color has-text-color has-extra-large-font-size\">Should I invest in cryptocurrencies if I am a conservative investor with very low risk tolerance?</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">No, you should not invest in cryptocurrencies if you are a conservative investor with very low risk tolerance. Cryptocurrencies are very speculative investments, and although many of them had huge returns in 2021, their tremendous volatility makes them unsuitable for conservative investors.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p></p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>To read the full article, <a href=\"https://www.investopedia.com/articles/stocks/09/five-ways-double-investment.asp\">click here.</a></p>\n<!-- /wp:paragraph -->','How to Double Your Money?','','inherit','closed','closed','','2727-revision-v1','','','2022-10-12 20:58:17','2022-10-12 20:58:17','',2727,'http://smartinsurance.tips/?p=2730',0,'revision','',0),(2731,1,'2022-10-14 20:16:47','2022-10-14 20:16:47','<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">How to get things done in your life correctly and on time?</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:image {\"id\":2732,\"sizeSlug\":\"full\",\"linkDestination\":\"none\"} -->\n<figure class=\"wp-block-image size-full\"><img src=\"http://smartinsurance.tips/wp-content/uploads/2022/10/Productivity.png\" alt=\"\" class=\"wp-image-2732\"/></figure>\n<!-- /wp:image -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\" id=\"068c\">The day always comes when you absolutely must get something done. You know the kind of thing I mean. Getting that proposal to a customer. Finishing the report the boss expects tomorrow. The bills coming due must be paid on time. These are the kinds of things that must get done now, not later.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\" id=\"f2a0\">How is it our productivity can suddenly spike at times? We get a burst of energy that helps us complete the task. This usually happens when you are about to go on vacation. You know you must get certain things done before you leave, and you will get them done. You always do somehow!</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\" id=\"c039\">Think about it. What does each of these things have in common? I see three factors. One factor is that each is important, on the verge of becoming urgent. A second factor is each needs to be done. Otherwise, you may suffer unpleasant consequences. And thirdly, each has a deadline to be met. These three factors create a “get it done” environment.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\" id=\"c039\"><strong><em>“The secret of getting things done is to&nbsp;act!” Dante Alighieri</em></strong></p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"textColor\":\"black\",\"fontSize\":\"extra-large\"} -->\n<h2 class=\"has-black-color has-text-color has-extra-large-font-size\" id=\"b197\"><strong>Get it done, or not?</strong></h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\" id=\"78b9\">The three factors for creating a high-productivity, “get-it-done” environment&nbsp;can be listed as:</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:list {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<ul class=\"has-black-color has-text-color has-large-font-size\"><li>Important and urgent</li><li>Unpleasant consequences</li><li>Deadline</li></ul>\n<!-- /wp:list -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\" id=\"b313\">Now let’s contrast these must-do things with more routine activities. What you may need to do could be important, but it has less urgency around it. Few consequences, if any, arise if the activity is incomplete. Since it is not urgent, you believe you have plenty of time, so there is no reason to rush.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\" id=\"98df\">You can sum this lower-productivity environment list up as:</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:list {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<ul class=\"has-black-color has-text-color has-large-font-size\"><li>Little or no urgency</li><li>Inconsequential consequences</li><li>Distant or no deadline</li></ul>\n<!-- /wp:list -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\" id=\"e59a\">Do you see the clear pattern emerging here? When you have something to lose, you get it done. When you have little to lose, you say, “Eh, what’s the rush?”</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\" id=\"c970\">“You can’t build a reputation on what you are&nbsp;<strong>going to do</strong>.” Henry Ford</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\" id=\"339c\">If you want to speed things along, use the factors from the get-it-done environment. If you don’t care, be sure to include the three low-productivity factors.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"textColor\":\"black\",\"fontSize\":\"extra-large\"} -->\n<h2 class=\"has-black-color has-text-color has-extra-large-font-size\" id=\"d0c3\"><strong>“Get it done” tactics</strong></h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\" id=\"de66\">To boost your productivity, all you need to do is take each of the three factors from the “get it done” environment and turn them into tactics. Whenever you put one of these tactics into play, things begin to happen.&nbsp;<strong>By incorporating all three of the tactics, you create a highly productive environment.</strong></p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\" id=\"bb28\">For example, take a current project that seems stalled and inject one of the three “Get it done” factors. Let’s say you want to write an article about something, and you have a couple of weeks to work on it. Inject one or more of the three tactics into your requirements for the article. You can increase the sense of urgency around it by thinking about how important it is to someone else, to you, or how enjoyable it can become.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\" id=\"ded6\">You could consider the consequences of how it may benefit or hurt you. Or you can put a deadline on how much of the article you will have done each day or week until it is complete.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\" id=\"fe60\">If you are in a management position and want to&nbsp;<strong>help an employee become more productive</strong>, inject one of the three factors into the project. If the project is large and complex and a long way off, create intermediate points to help them stay on track.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\" id=\"2d11\">For example, if the project is not due for a month, create weekly check-ins regarding the progress made at each interval. Check-ins will help establish a&nbsp;<strong>sense of urgency</strong>&nbsp;to ensure the project moves along. If it is not moving along well, insert one of the other tactics such as a potential consequence if they fall behind schedule. You did give them a deadline for some portion of the work to be completed as well as a final deadline, didn’t you?</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"textColor\":\"black\",\"fontSize\":\"extra-large\"} -->\n<h2 class=\"has-black-color has-text-color has-extra-large-font-size\" id=\"9176\"><strong>Final words</strong></h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\" id=\"41b3\">While this article is about work or the bigger things in life, the same tactics work in other situations as well. Try one or more of them on yourself with something you want to accomplish. It could be taking care of your health, exercising, or spending time with your spouse.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\" id=\"67c1\">You may want to try them with your children, friends, or for anything else you want to get done or have someone else do.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\" id=\"68b9\">A simple analogy to using the three tactics is:&nbsp;<strong>when you apply the tactics, it is like putting your foot on the gas</strong>. When you don’t use the tactics, you are putting your foot on the brakes. Which makes the most sense for that project you need to get done — putting your foot on the gas or the brakes?</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p></p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>To read the full article,&nbsp;<a href=\"https://medium.com/technology-hits/the-3-simple-things-needed-to-easily-increase-your-productivity-for-any-task-3e1d61a44ea1\">click here.</a></p>\n<!-- /wp:paragraph -->','The 3 Simple Things Needed to Easily Increase Your Productivity for Any Task','','publish','closed','closed','','the-3-simple-things-needed-to-easily-increase-your-productivity-for-any-task','','','2022-10-17 22:47:36','2022-10-17 22:47:36','',0,'http://smartinsurance.tips/?p=2731',0,'post','',0),(2732,1,'2022-10-14 20:10:45','2022-10-14 20:10:45','','Productivity','','inherit','closed','closed','','productivity-5','','','2022-10-14 20:10:45','2022-10-14 20:10:45','',2731,'http://smartinsurance.tips/wp-content/uploads/2022/10/Productivity.png',0,'attachment','image/png',0),(2733,1,'2022-10-14 20:16:47','2022-10-14 20:16:47','<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">How to get things done in your life correctly and on time</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:image {\"id\":2732,\"sizeSlug\":\"full\",\"linkDestination\":\"none\"} -->\n<figure class=\"wp-block-image size-full\"><img src=\"http://smartinsurance.tips/wp-content/uploads/2022/10/Productivity.png\" alt=\"\" class=\"wp-image-2732\"/></figure>\n<!-- /wp:image -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\" id=\"068c\">The day always comes when you absolutely must get something done. You know the kind of thing I mean. Getting that proposal to a customer. Finishing the report the boss expects tomorrow. The bills coming due must be paid on time. These are the kinds of things that must get done now, not later.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\" id=\"f2a0\">How is it our productivity can suddenly spike at times? We get a burst of energy that helps us complete the task. This usually happens when you are about to go on vacation. You know you must get certain things done before you leave, and you will get them done. You always do somehow!</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\" id=\"c039\">Think about it. What does each of these things have in common? I see three factors. One factor is that each is important, on the verge of becoming urgent. A second factor is each needs to be done. Otherwise, you may suffer unpleasant consequences. And thirdly, each has a deadline to be met. These three factors create a “get it done” environment.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\" id=\"c039\"><strong><em>“The secret of getting things done is to act!” Dante Alighieri</em></strong></p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"textColor\":\"black\",\"fontSize\":\"extra-large\"} -->\n<h2 class=\"has-black-color has-text-color has-extra-large-font-size\" id=\"b197\"><strong>Get it done, or not?</strong></h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\" id=\"78b9\">The three factors for creating a high-productivity, “get-it-done” environment can be listed as:</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:list {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<ul class=\"has-black-color has-text-color has-large-font-size\"><li>Important and urgent</li><li>Unpleasant consequences</li><li>Deadline</li></ul>\n<!-- /wp:list -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\" id=\"b313\">Now let’s contrast these must-do things with more routine activities. What you may need to do could be important, but it has less urgency around it. Few consequences, if any, arise if the activity is incomplete. Since it is not urgent, you believe you have plenty of time, so there is no reason to rush.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\" id=\"98df\">You can sum this lower-productivity environment list up as:</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:list {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<ul class=\"has-black-color has-text-color has-large-font-size\"><li>Little or no urgency</li><li>Inconsequential consequences</li><li>Distant or no deadline</li></ul>\n<!-- /wp:list -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\" id=\"e59a\">Do you see the clear pattern emerging here? When you have something to lose, you get it done. When you have little to lose, you say, “Eh, what’s the rush?”</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\" id=\"c970\">“You can’t build a reputation on what you are&nbsp;<strong>going to do</strong>.” Henry Ford</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\" id=\"339c\">If you want to speed things along, use the factors from the get-it-done environment. If you don’t care, be sure to include the three low-productivity factors.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"textColor\":\"black\",\"fontSize\":\"extra-large\"} -->\n<h2 class=\"has-black-color has-text-color has-extra-large-font-size\" id=\"d0c3\"><strong>“Get it done” tactics</strong></h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\" id=\"de66\">To boost your productivity, all you need to do is take each of the three factors from the “get it done” environment and turn them into tactics. Whenever you put one of these tactics into play, things begin to happen.&nbsp;<strong>By incorporating all three of the tactics, you create a highly productive environment.</strong></p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\" id=\"bb28\">For example, take a current project that seems stalled and inject one of the three “Get it done” factors. Let’s say you want to write an article about something, and you have a couple of weeks to work on it. Inject one or more of the three tactics into your requirements for the article. You can increase the sense of urgency around it by thinking about how important it is to someone else, to you, or how enjoyable it can become.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\" id=\"ded6\">You could consider the consequences of how it may benefit or hurt you. Or you can put a deadline on how much of the article you will have done each day or week until it is complete.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\" id=\"fe60\">If you are in a management position and want to&nbsp;<strong>help an employee become more productive</strong>, inject one of the three factors into the project. If the project is large and complex and a long way off, create intermediate points to help them stay on track.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\" id=\"2d11\">For example, if the project is not due for a month, create weekly check-ins regarding the progress made at each interval. Check-ins will help establish a&nbsp;<strong>sense of urgency</strong>&nbsp;to ensure the project moves along. If it is not moving along well, insert one of the other tactics such as a potential consequence if they fall behind schedule. You did give them a deadline for some portion of the work to be completed as well as a final deadline, didn’t you?</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"textColor\":\"black\",\"fontSize\":\"extra-large\"} -->\n<h2 class=\"has-black-color has-text-color has-extra-large-font-size\" id=\"9176\"><strong>Final words</strong></h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\" id=\"41b3\">While this article is about work or the bigger things in life, the same tactics work in other situations as well. Try one or more of them on yourself with something you want to accomplish. It could be taking care of your health, exercising, or spending time with your spouse.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\" id=\"67c1\">You may want to try them with your children, friends, or for anything else you want to get done or have someone else do.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\" id=\"68b9\">A simple analogy to using the three tactics is: <strong>when you apply the tactics, it is like putting your foot on the gas</strong>. When you don’t use the tactics, you are putting your foot on the brakes. Which makes the most sense for that project you need to get done — putting your foot on the gas or the brakes?</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p></p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>To read the full article, <a href=\"https://medium.com/technology-hits/the-3-simple-things-needed-to-easily-increase-your-productivity-for-any-task-3e1d61a44ea1\">click here.</a></p>\n<!-- /wp:paragraph -->','The 3 Simple Things Needed to Easily Increase Your Productivity for Any Task','','inherit','closed','closed','','2731-revision-v1','','','2022-10-14 20:16:47','2022-10-14 20:16:47','',2731,'http://smartinsurance.tips/?p=2733',0,'revision','',0),(2734,1,'2022-10-14 20:24:00','2022-10-14 20:24:00','<!-- wp:image {\"id\":2735,\"sizeSlug\":\"full\",\"linkDestination\":\"none\"} -->\n<figure class=\"wp-block-image size-full\"><img src=\"http://smartinsurance.tips/wp-content/uploads/2022/10/Home-improvement.png\" alt=\"\" class=\"wp-image-2735\"/></figure>\n<!-- /wp:image -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Thanksgiving is such a wonderful, warm and welcoming holiday! When you have a large family event or gathering at your home for turkey day, you want to be sure that your house offers those same comforts. Here are 6 quick home improvement projects you can complete before Thanksgiving this year!</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3,\"textColor\":\"black\",\"fontSize\":\"extra-large\"} -->\n<h3 class=\"has-black-color has-text-color has-extra-large-font-size\">Check up on appliances</h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">With a roasting turkey, fluffy rolls, comfort side dishes and sweet pies all needing the attention of the stove and oven, you’ll want to make sure it’s working at its best. Perform some quick maintenance checks on your oven and range. Your washer and dryer will probably be working in over time during the holidays, so you’ll want to make sure they are properly functioning, as well. With a ton of dishes to be washed after the big meal, it’s no time for your dishwasher to be malfunctioning, so give that aquick look around, as well. And finally, your refrigerator is about to be stocked up and probably filled a lot more than normal, and could probably use a simple bit of DIY maintenance, too. Should you run into issues with any of your appliances or need replacements, help is a quick click away.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3,\"textColor\":\"black\",\"fontSize\":\"extra-large\"} -->\n<h3 class=\"has-black-color has-text-color has-extra-large-font-size\">Fall lawn care</h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Let your guests arrive to a beautifully manicured lawn this year. </p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">There are several things you can do in the Fall to prepare your garden and lawn for the cooler weather, AND make your landscape an inviting place for Thanksgiving guests.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3,\"textColor\":\"black\",\"fontSize\":\"extra-large\"} -->\n<h3 class=\"has-black-color has-text-color has-extra-large-font-size\">General household cleaning</h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Now, this chore might seem overwhelming. In fact, a dinner for 14 prepared in one day might be nothing, compared to the daunting task of housekeeping! Cleaning up your home and making it tidy for guests doesn’t have to stress you out, take too long or come in between quality time with family and friends.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3,\"textColor\":\"black\",\"fontSize\":\"extra-large\"} -->\n<h3 class=\"has-black-color has-text-color has-extra-large-font-size\">Holiday lights and decor</h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Not only is a beautiful landscape and clean, organized home inviting to guests, but holiday lights and decor can really get them into the spirit of the season! Before your guests arrive, add some fun wreaths to your front door. Place simple Thanksgiving or holiday decor up on the mantel and other areas where you’ll be entertaining. Get those Christmas lights up around the house to make it really stand out, and show your festive side with pumpkins and gourds on your porch.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3,\"textColor\":\"black\",\"fontSize\":\"extra-large\"} -->\n<h3 class=\"has-black-color has-text-color has-extra-large-font-size\">Curb appeal</h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">The first thing your guests will see is the outside of your home.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">A quick once over is all that’s required to make your home look like it’s been waiting for guests to arrive. If you want to do a little more work, try these curb appeal hacks to improve your landscape!</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3,\"textColor\":\"black\",\"fontSize\":\"extra-large\"} -->\n<h3 class=\"has-black-color has-text-color has-extra-large-font-size\">Fire up the fireplace</h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Fall weather brings a nice drop in temperatures, but it can also leave your guests shivering and uncomfortable. Create a cozy environment by first preparing your fireplace. You can be your own chimney sweep and get that task done in less than a few hours! Ensuring your fireplace is clean and in good working condition will allow you to create a fire without safety concerns.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3,\"textColor\":\"black\",\"fontSize\":\"extra-large\"} -->\n<h3 class=\"has-black-color has-text-color has-extra-large-font-size\">Turn up the heat</h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Another great way to keep your guests comfortable is to perform quick maintenance on your furnace and heating system. You will want to run this a few days prior to your guests arriving, as a stagnate furnace will need that time to cycle through (and that musky smell needs time to circulate out of your home, too). Offering a warmer environment inside your home will put your guests at ease and allow you to enjoy your quality time much easier.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">By taking care of these things prior to Thanksgiving, your home will be a great place to entertain your guests. You’ll keep them happy and comfortable, all while ensuring that your home is safe, clean and in working order. Have a wonderful Thanksgiving!</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p></p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>To read the full article, <a href=\"https://portal.fixdrepair.com/blog/home-improvement-before-thanksgiving/\">click here.</a></p>\n<!-- /wp:paragraph -->','6 Home Improvement Projects to Complete Before Thanksgiving','','publish','closed','closed','','6-home-improvement-projects-to-complete-before-thanksgiving','','','2022-10-14 20:24:00','2022-10-14 20:24:00','',0,'http://smartinsurance.tips/?p=2734',0,'post','',0),(2735,1,'2022-10-14 20:18:10','2022-10-14 20:18:10','','Home-improvement','','inherit','closed','closed','','home-improvement-4','','','2022-10-14 20:18:10','2022-10-14 20:18:10','',2734,'http://smartinsurance.tips/wp-content/uploads/2022/10/Home-improvement.png',0,'attachment','image/png',0),(2736,1,'2022-10-14 20:24:00','2022-10-14 20:24:00','<!-- wp:image {\"id\":2735,\"sizeSlug\":\"full\",\"linkDestination\":\"none\"} -->\n<figure class=\"wp-block-image size-full\"><img src=\"http://smartinsurance.tips/wp-content/uploads/2022/10/Home-improvement.png\" alt=\"\" class=\"wp-image-2735\"/></figure>\n<!-- /wp:image -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Thanksgiving is such a wonderful, warm and welcoming holiday! When you have a large family event or gathering at your home for turkey day, you want to be sure that your house offers those same comforts. Here are 6 quick home improvement projects you can complete before Thanksgiving this year!</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3,\"textColor\":\"black\",\"fontSize\":\"extra-large\"} -->\n<h3 class=\"has-black-color has-text-color has-extra-large-font-size\">Check up on appliances</h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">With a roasting turkey, fluffy rolls, comfort side dishes and sweet pies all needing the attention of the stove and oven, you’ll want to make sure it’s working at its best. Perform some quick maintenance checks on your oven and range. Your washer and dryer will probably be working in over time during the holidays, so you’ll want to make sure they are properly functioning, as well. With a ton of dishes to be washed after the big meal, it’s no time for your dishwasher to be malfunctioning, so give that aquick look around, as well. And finally, your refrigerator is about to be stocked up and probably filled a lot more than normal, and could probably use a simple bit of DIY maintenance, too. Should you run into issues with any of your appliances or need replacements, help is a quick click away.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3,\"textColor\":\"black\",\"fontSize\":\"extra-large\"} -->\n<h3 class=\"has-black-color has-text-color has-extra-large-font-size\">Fall lawn care</h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Let your guests arrive to a beautifully manicured lawn this year. </p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">There are several things you can do in the Fall to prepare your garden and lawn for the cooler weather, AND make your landscape an inviting place for Thanksgiving guests.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3,\"textColor\":\"black\",\"fontSize\":\"extra-large\"} -->\n<h3 class=\"has-black-color has-text-color has-extra-large-font-size\">General household cleaning</h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Now, this chore might seem overwhelming. In fact, a dinner for 14 prepared in one day might be nothing, compared to the daunting task of housekeeping! Cleaning up your home and making it tidy for guests doesn’t have to stress you out, take too long or come in between quality time with family and friends.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3,\"textColor\":\"black\",\"fontSize\":\"extra-large\"} -->\n<h3 class=\"has-black-color has-text-color has-extra-large-font-size\">Holiday lights and decor</h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Not only is a beautiful landscape and clean, organized home inviting to guests, but holiday lights and decor can really get them into the spirit of the season! Before your guests arrive, add some fun wreaths to your front door. Place simple Thanksgiving or holiday decor up on the mantel and other areas where you’ll be entertaining. Get those Christmas lights up around the house to make it really stand out, and show your festive side with pumpkins and gourds on your porch.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3,\"textColor\":\"black\",\"fontSize\":\"extra-large\"} -->\n<h3 class=\"has-black-color has-text-color has-extra-large-font-size\">Curb appeal</h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">The first thing your guests will see is the outside of your home.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">A quick once over is all that’s required to make your home look like it’s been waiting for guests to arrive. If you want to do a little more work, try these curb appeal hacks to improve your landscape!</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3,\"textColor\":\"black\",\"fontSize\":\"extra-large\"} -->\n<h3 class=\"has-black-color has-text-color has-extra-large-font-size\">Fire up the fireplace</h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Fall weather brings a nice drop in temperatures, but it can also leave your guests shivering and uncomfortable. Create a cozy environment by first preparing your fireplace. You can be your own chimney sweep and get that task done in less than a few hours! Ensuring your fireplace is clean and in good working condition will allow you to create a fire without safety concerns.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3,\"textColor\":\"black\",\"fontSize\":\"extra-large\"} -->\n<h3 class=\"has-black-color has-text-color has-extra-large-font-size\">Turn up the heat</h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Another great way to keep your guests comfortable is to perform quick maintenance on your furnace and heating system. You will want to run this a few days prior to your guests arriving, as a stagnate furnace will need that time to cycle through (and that musky smell needs time to circulate out of your home, too). Offering a warmer environment inside your home will put your guests at ease and allow you to enjoy your quality time much easier.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">By taking care of these things prior to Thanksgiving, your home will be a great place to entertain your guests. You’ll keep them happy and comfortable, all while ensuring that your home is safe, clean and in working order. Have a wonderful Thanksgiving!</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p></p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>To read the full article, <a href=\"https://portal.fixdrepair.com/blog/home-improvement-before-thanksgiving/\">click here.</a></p>\n<!-- /wp:paragraph -->','6 Home Improvement Projects to Complete Before Thanksgiving','','inherit','closed','closed','','2734-revision-v1','','','2022-10-14 20:24:00','2022-10-14 20:24:00','',2734,'http://smartinsurance.tips/?p=2736',0,'revision','',0),(2737,1,'2022-10-14 21:13:30','2022-10-14 21:13:30','<!-- wp:image {\"id\":2738,\"sizeSlug\":\"full\",\"linkDestination\":\"none\"} -->\n<figure class=\"wp-block-image size-full\"><img src=\"http://smartinsurance.tips/wp-content/uploads/2022/10/Small-business.png\" alt=\"\" class=\"wp-image-2738\"/></figure>\n<!-- /wp:image -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">What better way to&nbsp;show customers that you care than to&nbsp;send them a&nbsp;customer appreciation gift? Your competitors might try to&nbsp;win over customers with stale “thank you” emails. You, on&nbsp;the&nbsp;other hand, can leave a&nbsp;deep impression.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">The trouble with&nbsp;thank-you&nbsp;gifts is&nbsp;figuring out what to&nbsp;send. You can’t choose something that’s too expensive, nor can you pick something that might be&nbsp;seen as&nbsp;worthless. You have to&nbsp;walk a&nbsp;thin line between price and&nbsp;practicality when selecting&nbsp;thank-you&nbsp;gift ideas.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"textColor\":\"black\",\"fontSize\":\"extra-large\"} -->\n<h2 class=\"has-black-color has-text-color has-extra-large-font-size\">How to Use Gifts for Marketing?</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">While the&nbsp;explicit purpose of&nbsp;a&nbsp;customer appreciation gift is&nbsp;to&nbsp;show you care, it&nbsp;has another motive as&nbsp;well: to&nbsp;market your online store. You certainly want customers to&nbsp;feel happy and&nbsp;appreciated, but it&nbsp;would also be&nbsp;nice if&nbsp;they were to&nbsp;recommend your store to&nbsp;their friends.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">To&nbsp;use customer appreciation gifts as&nbsp;a&nbsp;marketing tactic, there are a&nbsp;number of&nbsp;things you need to&nbsp;keep in&nbsp;mind.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3,\"textColor\":\"black\",\"fontSize\":\"extra-large\"} -->\n<h3 class=\"has-black-color has-text-color has-extra-large-font-size\">Gifts vs. discounts</h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Using discounts and&nbsp;offers to&nbsp;maximize sales is&nbsp;old hat in&nbsp;e-commerce.&nbsp;The question to&nbsp;ask is: how does a&nbsp;discount compare against a&nbsp;gift in&nbsp;terms of&nbsp;marketing impact?</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">To&nbsp;answer this question, you’ll have to&nbsp;consider two things:</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:list {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<ul class=\"has-black-color has-text-color has-large-font-size\"><li><strong>How often you offer discounts:</strong>&nbsp;The perceived value of&nbsp;a&nbsp;discount depends on&nbsp;how frequently you offer it. If&nbsp;you have frequent sales and&nbsp;offers, customers might not be&nbsp;too enthusiastic about yet another discount, no&nbsp;matter how steep.</li><li><strong>Discount value and&nbsp;conditions:</strong>&nbsp;A&nbsp;steep discount with liberal terms might end up&nbsp;costing you more than a&nbsp;free gift. On&nbsp;the&nbsp;other hand, if&nbsp;the&nbsp;discount is&nbsp;too low with strict terms, customers might not be&nbsp;interested.</li></ul>\n<!-- /wp:list -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Interestingly, research in&nbsp;consumer psychology indicates that&nbsp;people prefer to&nbsp;get more rather than spend less. A&nbsp;free gift might have higher perceived value since it&nbsp;gives them more.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Of&nbsp;course, this only applies if&nbsp;you’re actually telling customers that you’re giving them a&nbsp;gift. This brings us&nbsp;to&nbsp;the&nbsp;next point.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3,\"textColor\":\"black\",\"fontSize\":\"extra-large\"} -->\n<h3 class=\"has-black-color has-text-color has-extra-large-font-size\">Explicit vs. secret gifts</h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Should you tell customers about the&nbsp;gift or&nbsp;should you just send them a&nbsp;surprise?</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">There are pros and&nbsp;cons to&nbsp;each approach. Telling customers upfront might convince them to&nbsp;make a&nbsp;purchase, especially if&nbsp;they see the&nbsp;gift as&nbsp;a&nbsp;“deal”. At&nbsp;the&nbsp;same time, it&nbsp;robs you of&nbsp;the&nbsp;customer delight that comes with a&nbsp;surprise gift.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">What approach you use will depend on&nbsp;what you hope to&nbsp;achieve with the&nbsp;gift. If&nbsp;your goal is&nbsp;to&nbsp;delight customers, build loyalty, and&nbsp;increase word of&nbsp;mouth (including social media), choose a&nbsp;surprise gift.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">On&nbsp;the&nbsp;other hand, if&nbsp;you want to&nbsp;use gifts as&nbsp;an&nbsp;incentive to&nbsp;buy more, tell customers about it&nbsp;upfront.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3,\"textColor\":\"black\",\"fontSize\":\"extra-large\"} -->\n<h3 class=\"has-black-color has-text-color has-extra-large-font-size\">Gifting to&nbsp;some vs. gifting to&nbsp;all customers</h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Another dilemma is&nbsp;figuring out who to&nbsp;gift&nbsp;— some customers or&nbsp;all of&nbsp;them?</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Gifting everyone has the&nbsp;obvious cost disadvantage. You might also not realize many benefits from gifting people who are inactive on&nbsp;social media or&nbsp;unlikely to&nbsp;recommend you to&nbsp;friends.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">At&nbsp;the&nbsp;same time, gifting only a&nbsp;few customers might make them feel special&nbsp;— at&nbsp;the&nbsp;cost of&nbsp;other customers. Customer B&nbsp;might wonder why Customer A&nbsp;got a&nbsp;gift and&nbsp;he&nbsp;didn’t. This can create resentment for&nbsp;your brand&nbsp;— the&nbsp;exact opposite purpose of&nbsp;gifting.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3,\"textColor\":\"black\",\"fontSize\":\"extra-large\"} -->\n<h3 class=\"has-black-color has-text-color has-extra-large-font-size\">Maximize the&nbsp;impact of&nbsp;gifting</h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">To&nbsp;get the&nbsp;most out of&nbsp;your customer appreciation gifts, there are a&nbsp;few things you should keep in&nbsp;mind:</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:list {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<ul class=\"has-black-color has-text-color has-large-font-size\"><li>Customers buy more when there is&nbsp;a&nbsp;“mystery” involved in&nbsp;the&nbsp;purchase, as&nbsp;one&nbsp;University of&nbsp;Miami study&nbsp;discovered. Keeping the&nbsp;gift a&nbsp;secret can help in&nbsp;this regard.</li><li>Customers who receive something free and&nbsp;unexpected are driven to&nbsp;shop more, according to&nbsp;one study. Thus, it&nbsp;might be&nbsp;worth it&nbsp;to&nbsp;lose money upfront on&nbsp;a&nbsp;sale by&nbsp;giving a&nbsp;gift. You can make up&nbsp;for&nbsp;it&nbsp;with repeat purchases.</li><li>Giving away a&nbsp;freebie creates immediate word of&nbsp;mouth, according to&nbsp;an&nbsp;article in&nbsp;the&nbsp;Journal of&nbsp;Marketing. That is&nbsp;especially true if&nbsp;the&nbsp;gift is&nbsp;the&nbsp;first experience the&nbsp;customer has with your brand. Thus, besides your top customers, you can also target&nbsp;first-time&nbsp;buyers when giving away gifts to&nbsp;create a&nbsp;positive first impression.</li><li>Focus on&nbsp;gifting customers who are active on&nbsp;social media or&nbsp;have a&nbsp;history of&nbsp;sharing your stuff. Prompt them&nbsp;— gently&nbsp;— to&nbsp;upload pictures with their gifts on&nbsp;their favorite social network.</li><li>Consider donating to&nbsp;charity on&nbsp;behalf of&nbsp;the&nbsp;customer instead of&nbsp;giving away a&nbsp;gift.&nbsp;Research&nbsp;suggests that charity donations work better than a&nbsp;practical gift, especially when the&nbsp;original purchase is&nbsp;frivolous in&nbsp;nature.</li></ul>\n<!-- /wp:list -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">These are just some tactics to&nbsp;maximize the&nbsp;impact of&nbsp;your gifting. Your next challenge is&nbsp;to&nbsp;select the&nbsp;right gift. We’ll share some rules for&nbsp;gift selection below.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"textColor\":\"black\",\"fontSize\":\"extra-large\"} -->\n<h2 class=\"has-black-color has-text-color has-extra-large-font-size\">How to Select Customer Appreciation Gifts?</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">A&nbsp;customer appreciation gift is&nbsp;usually something physical, useful, and&nbsp;related to&nbsp;your business in&nbsp;some capacity. It&nbsp;has a&nbsp;simple purpose: to&nbsp;thank customers for&nbsp;their business. Whether the&nbsp;gift elicits a&nbsp;“wow” or&nbsp;“eh” will depend on&nbsp;the&nbsp;quality of&nbsp;the&nbsp;gift.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">There are a&nbsp;number of&nbsp;rules you must follow when selecting a&nbsp;customer appreciation gift:</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\"><strong>It&nbsp;should have perceived value:</strong>&nbsp;Above everything else, the&nbsp;gift must have perceived value. Even if&nbsp;it&nbsp;is&nbsp;cheap, it&nbsp;must fulfill a&nbsp;need or&nbsp;appear valuable to&nbsp;the&nbsp;customer.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\"><strong>It&nbsp;should be&nbsp;useful:</strong>&nbsp;A&nbsp;good gift is&nbsp;usually one that serves some practical purpose. Souvenirs and&nbsp;trinkets that only take up&nbsp;space are easily forgotten. A&nbsp;useful gift will remind the&nbsp;customer of&nbsp;your business every time they use it.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\"><strong>It&nbsp;should be&nbsp;easy to&nbsp;store and&nbsp;transport:</strong>&nbsp;No&nbsp;customer wants to&nbsp;deal with an&nbsp;unwanted gift that takes up&nbsp;too much storage space. Neither do&nbsp;you want to&nbsp;worry about the&nbsp;hassle of&nbsp;transporting a&nbsp;large gift. Always pick something that is&nbsp;small and&nbsp;easy to&nbsp;transport.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\"><strong>It&nbsp;should be&nbsp;durable and&nbsp;lasting:</strong>&nbsp;A&nbsp;gift that is&nbsp;perishable or&nbsp;easy to&nbsp;destroy will quickly lose its value. Avoid fragile items or&nbsp;anything that might spoil over a&nbsp;couple of&nbsp;weeks.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\"><strong>It&nbsp;should be&nbsp;related to&nbsp;the&nbsp;business:</strong>&nbsp;An&nbsp;ideal gift is&nbsp;related to&nbsp;the&nbsp;business in&nbsp;some way so&nbsp;that it&nbsp;reminds the&nbsp;customer of&nbsp;you. If&nbsp;you run a&nbsp;fashion store, select a&nbsp;fashion accessory, not a&nbsp;book on&nbsp;macroeconomics.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\"><strong>It&nbsp;should be&nbsp;harmless:</strong>&nbsp;Lastly, the&nbsp;gift shouldn’t trigger allergies, have dangerous, sharp edges, or&nbsp;pose a&nbsp;choking hazard to&nbsp;children. Ask: can this gift cause problems for&nbsp;anyone in&nbsp;my&nbsp;customer’s household (especially old people and&nbsp;children)? If&nbsp;the&nbsp;answer is&nbsp;“yes”, pick something else.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p></p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"textColor\":\"black\",\"fontSize\":\"extra-large\"} -->\n<h2 class=\"has-black-color has-text-color has-extra-large-font-size\">19&nbsp;Thank-You&nbsp;Gift Ideas for&nbsp;Your Customers</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Now that you have a&nbsp;list of&nbsp;rules for&nbsp;selecting gifts, here are a&nbsp;few ideas you can choose from.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3,\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<h3 class=\"has-black-color has-text-color has-large-font-size\"><strong>1.&nbsp;Write personalized handwritten notes</strong></h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">A&nbsp;popular and&nbsp;extremely affordable gifting option is&nbsp;to&nbsp;simply send a&nbsp;personalized handwritten note to&nbsp;your customers. Make the&nbsp;message unique, personalized, and&nbsp;most importantly, authentic. Use pen and&nbsp;paper, not a&nbsp;printed message. It&nbsp;costs next to&nbsp;nothing except for&nbsp;your time.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3,\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<h3 class=\"has-black-color has-text-color has-large-font-size\"><strong>2.&nbsp;Send flowers</strong></h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Although perishable, flowers are a&nbsp;universally liked gift item. They’re also mostly brand agnostic, i.e. you don’t have to&nbsp;worry whether they align with your brand. Plus, the&nbsp;visual spectacle of&nbsp;a&nbsp;bunch of&nbsp;free flowers makes for&nbsp;a&nbsp;good photo opportunity and&nbsp;the&nbsp;social shares that go&nbsp;with it. Giving flowers to&nbsp;every customer is&nbsp;expensive, but if&nbsp;you pick the&nbsp;recipients (the most loyal customers, those with huge follower base on&nbsp;social media) and&nbsp;the&nbsp;occasion (birthday, Women’s Day) flowers can do&nbsp;magic.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">The only time flowers won’t work is&nbsp;if&nbsp;you’re targeting young, single male customer groups who usually don’t have an&nbsp;affinity for&nbsp;them. Remember to&nbsp;pick&nbsp;non-allergic&nbsp;flowers for&nbsp;your gifts.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3,\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<h3 class=\"has-black-color has-text-color has-large-font-size\"><strong>3.&nbsp;Offer books</strong></h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Books might not make an&nbsp;obvious choice for&nbsp;a&nbsp;gift, but for&nbsp;the&nbsp;right customer group, they can be&nbsp;a&nbsp;fantastic option. A&nbsp;relevant book not only shows that you understand the&nbsp;customer, but it&nbsp;will also stick with them for&nbsp;a&nbsp;long time, reminding them of&nbsp;your brand.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Further, books have a&nbsp;brand of&nbsp;their own. Sending a&nbsp;non-fiction&nbsp;book that pioneers new ideas can get customers to&nbsp;think of&nbsp;your brand as&nbsp;“innovative” as&nbsp;well. For best results, send&nbsp;non-fiction&nbsp;and&nbsp;non-controversial&nbsp;books.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3,\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<h3 class=\"has-black-color has-text-color has-large-font-size\"><strong>4.&nbsp;Give charitable gifts</strong></h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Making a&nbsp;charitable donation on&nbsp;behalf of&nbsp;the&nbsp;customer can work well as&nbsp;a&nbsp;gift idea, especially if&nbsp;your customers are&nbsp;eco-conscious&nbsp;and&nbsp;philanthropically-inclined.&nbsp;Just make sure that the&nbsp;charity is&nbsp;well-recognized,&nbsp;and&nbsp;that there is&nbsp;sufficient proof of&nbsp;the&nbsp;donation.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3,\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<h3 class=\"has-black-color has-text-color has-large-font-size\"><strong>5.&nbsp;Offer surprise upgrades</strong></h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Win over customers by&nbsp;offering them a&nbsp;free upgrade to&nbsp;their existing purchase. This works particularly well if&nbsp;the&nbsp;upgrade is&nbsp;similar to&nbsp;but better than their current purchase. Just ensure that you ask customers before making the&nbsp;upgrade&nbsp;— some might specifically want a&nbsp;lower-tier&nbsp;model.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3,\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<h3 class=\"has-black-color has-text-color has-large-font-size\"><strong>6.&nbsp;Help customers learn something</strong></h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">One of&nbsp;the&nbsp;best gifts you can give customers is&nbsp;the&nbsp;gift of&nbsp;learning. Perhaps you can put together a&nbsp;series of&nbsp;lessons to&nbsp;help them make the&nbsp;most of&nbsp;the&nbsp;purchase (such as&nbsp;a&nbsp;guitar store gifting free music lesson CDs). Or&nbsp;perhaps you can offer them courses on&nbsp;topics that complement the&nbsp;purchase (such as&nbsp;a&nbsp;handicrafts store offering a&nbsp;free pottery class).</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3,\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<h3 class=\"has-black-color has-text-color has-large-font-size\"><strong>7.&nbsp;Gift an&nbsp;experience</strong></h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">An&nbsp;experience&nbsp;— a&nbsp;spa package, tickets to&nbsp;a&nbsp;local event, etc.&nbsp;— is&nbsp;a&nbsp;great way to&nbsp;make yourself memorable. Ensure that the&nbsp;experience aligns with your brand and&nbsp;customer profile, i.e. don’t gift tickets to&nbsp;a&nbsp;metal concert if&nbsp;your customers are&nbsp;50-year&nbsp;old women. Also, pick an&nbsp;experience that is&nbsp;easy to&nbsp;reach, has broad appeal, and&nbsp;doesn’t cost too much to&nbsp;dent your profitability.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3,\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<h3 class=\"has-black-color has-text-color has-large-font-size\"><strong>8.&nbsp;Send a&nbsp;birthday gift</strong></h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Sending customers gifts on&nbsp;special occasions such as&nbsp;birthdays and&nbsp;anniversaries can help you win customer loyalty. It&nbsp;shows that you care enough to&nbsp;remember them.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Remember that once you start sending birthday gifts, customers might come to&nbsp;expect them every year. So&nbsp;pick something that is&nbsp;affordable enough for&nbsp;repeat gifting. A&nbsp;simple handwritten card works well enough for&nbsp;most customers.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3,\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<h3 class=\"has-black-color has-text-color has-large-font-size\"><strong>9.&nbsp;Offer a&nbsp;treat</strong></h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Cookies, chocolates, candy&nbsp;— sweet, customizable, and&nbsp;widely-loved&nbsp;treats make for&nbsp;a&nbsp;fantastic customer appreciation gift. Most customers will appreciate a&nbsp;tin of&nbsp;freshly baked cookies along with their purchase. You can even customize the&nbsp;packaging to&nbsp;include a&nbsp;personalized message or&nbsp;your brand logo.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">The only thing you have to&nbsp;look out for&nbsp;is&nbsp;food allergies. Try to&nbsp;avoid any&nbsp;treat with common allergens such as&nbsp;peanuts.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3,\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<h3 class=\"has-black-color has-text-color has-large-font-size\"><strong>10. Feature customers on&nbsp;social media</strong></h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Everyone wants their 15&nbsp;minutes of&nbsp;fame, and&nbsp;your customers are no&nbsp;different. If&nbsp;you have a&nbsp;popular social channel, featuring your customers or&nbsp;their projects can be&nbsp;an&nbsp;unusual “gift”. This tactic works best if&nbsp;the&nbsp;customer has uploaded a&nbsp;picture of&nbsp;your product or&nbsp;interacted with you on&nbsp;social media before. It&nbsp;tells them&nbsp;— and&nbsp;your social media audience&nbsp;— that you’re listening.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3,\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<h3 class=\"has-black-color has-text-color has-large-font-size\"><strong>11. Share local products</strong></h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Gifting customers local products (such as&nbsp;a&nbsp;locally sourced food item) works wonderfully well for&nbsp;two reasons:</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:list {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<ul class=\"has-black-color has-text-color has-large-font-size\"><li>It&nbsp;portrays your business as&nbsp;a&nbsp;“friend” to&nbsp;other local small businesses, thus improving your brand perception.</li><li>It&nbsp;shows customers that you care enough about them to&nbsp;personalize the&nbsp;gift as&nbsp;per their location.</li></ul>\n<!-- /wp:list -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Partner up&nbsp;with a&nbsp;local business to&nbsp;offer these products. Your customers will appreciate them, as&nbsp;will local businesses.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3,\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<h3 class=\"has-black-color has-text-color has-large-font-size\"><strong>12. Create an&nbsp;exclusive group</strong></h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">How can you make your customers feel special? Simple: by&nbsp;creating an&nbsp;exclusive,&nbsp;invite-only&nbsp;group for&nbsp;your top customers. This can be&nbsp;something as&nbsp;simple as&nbsp;a&nbsp;closed Facebook group. Offer deep discounts unavailable elsewhere to&nbsp;emphasize the&nbsp;exclusivity of&nbsp;the&nbsp;group.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3,\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<h3 class=\"has-black-color has-text-color has-large-font-size\"><strong>13. Offer a&nbsp;free consultation</strong></h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Valuable advice can be&nbsp;a&nbsp;type of&nbsp;gift as&nbsp;well, especially in&nbsp;industries known to&nbsp;be&nbsp;difficult to&nbsp;approach. If&nbsp;you sell clothes, for&nbsp;instance, you can offer a&nbsp;freestyle consultation. If&nbsp;you sell fitness equipment, you can offer a&nbsp;custom diet plan and&nbsp;workout routine.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3,\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<h3 class=\"has-black-color has-text-color has-large-font-size\"><strong>14. Send coupons to&nbsp;local businesses</strong></h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Sending customers coupons to&nbsp;local businesses has the&nbsp;same effect as&nbsp;gifting local products. It&nbsp;shows customers that you care about small businesses. It&nbsp;also demonstrates that you’re willing to&nbsp;personalize gifts for&nbsp;each customer.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Find a&nbsp;local business that can offer something related (but not competitive) to&nbsp;your brand. Work out a&nbsp;deal with them where your customers can get a&nbsp;discount on&nbsp;future purchases.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3,\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<h3 class=\"has-black-color has-text-color has-large-font-size\"><strong>15. Give away a&nbsp;free product from your catalog</strong></h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">A&nbsp;perennial gifting favorite is&nbsp;to&nbsp;simply give away a&nbsp;cheap but useful product from your product catalog. This product should be&nbsp;low cost yet must have perceived value to&nbsp;the&nbsp;customer. Also make sure that it&nbsp;is&nbsp;related to&nbsp;the&nbsp;original purchase, example: free socks with a&nbsp;pair of&nbsp;shoes.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3,\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<h3 class=\"has-black-color has-text-color has-large-font-size\"><strong>16. Throw a&nbsp;party for&nbsp;special customers</strong></h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Another way to&nbsp;make customers feel special is&nbsp;to&nbsp;throw a&nbsp;party or&nbsp;host a&nbsp;meetup. This works best if&nbsp;you have a&nbsp;lot of&nbsp;customers in&nbsp;the&nbsp;same location.&nbsp;Warm-up&nbsp;customers to&nbsp;the&nbsp;idea of&nbsp;a&nbsp;party by&nbsp;inviting them to&nbsp;an&nbsp;exclusive group first (such as&nbsp;a&nbsp;Facebook first). Once they’ve all gotten to&nbsp;know each other a&nbsp;bit, invite them out to&nbsp;a&nbsp;party.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">It&nbsp;might be&nbsp;expensive, but it&nbsp;will be&nbsp;an&nbsp;experience your customers won’t forget. Plus, all the&nbsp;social media updates from it&nbsp;will do&nbsp;wonders for&nbsp;your word of&nbsp;mouth.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3,\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<h3 class=\"has-black-color has-text-color has-large-font-size\"><strong>17. Gift a&nbsp;low-maintenance&nbsp;potted plant</strong></h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">A&nbsp;small potted plant makes for&nbsp;a&nbsp;great gift. Something low maintenance and&nbsp;hardy&nbsp;—&nbsp;such as&nbsp;a&nbsp;cactus&nbsp;— not only looks good but also emphasizes your “green” credentials. If&nbsp;your customers are&nbsp;eco-conscious,&nbsp;this can be&nbsp;an&nbsp;affordable and&nbsp;memorable gift to&nbsp;send.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Alternatively, send customers plant seeds or&nbsp;even small DIY growing kits (&nbsp;with seeds, soil, and&nbsp;pot).</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3,\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<h3 class=\"has-black-color has-text-color has-large-font-size\"><strong>18. Give away free swag</strong></h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">A&nbsp;staple in&nbsp;gifting is&nbsp;to&nbsp;give away free swag&nbsp;—&nbsp;t-shirts,&nbsp;bags, notebooks, etc. Try not to&nbsp;include your logo on&nbsp;them. Doing so&nbsp;turns the&nbsp;swag from a&nbsp;gift to&nbsp;an&nbsp;overt marketing tool. Instead, pick something that reflects your brand’s values or&nbsp;products yet can be&nbsp;worn publicly.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3,\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<h3 class=\"has-black-color has-text-color has-large-font-size\"><strong>19. Make one customer feel special</strong></h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Instead of&nbsp;sending an&nbsp;ordinary gift to&nbsp;every customer, you can get a&nbsp;lot of&nbsp;social media mileage out of&nbsp;making a&nbsp;single customer feel truly special. Pick a&nbsp;customer who has been exceptionally loyal to&nbsp;your brand, then make a&nbsp;gesture that goes far beyond a&nbsp;standard “gift”.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">For example, Honda found out that one of&nbsp;its customers was about to&nbsp;hit 1&nbsp;million miles in&nbsp;one of&nbsp;its cars. To&nbsp;make the&nbsp;customer feel special about this major milestone, Honda gave him a&nbsp;free new car and&nbsp;made a&nbsp;video about it.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p></p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>To read the full article,&nbsp;<a href=\"https://www.ecwid.com/blog/19-customer-appreciation-gift-ideas-to-thank-your-customers.html\">click here.</a></p>\n<!-- /wp:paragraph -->','19 Customer Appreciation Gift Ideas to Thank Your Customers','','publish','closed','closed','','19-customer-appreciation-gift-ideas-to-thank-your-customers','','','2022-10-17 22:48:38','2022-10-17 22:48:38','',0,'http://smartinsurance.tips/?p=2737',0,'post','',0),(2738,1,'2022-10-14 20:25:13','2022-10-14 20:25:13','','Small-business','','inherit','closed','closed','','small-business-6','','','2022-10-14 20:25:13','2022-10-14 20:25:13','',2737,'http://smartinsurance.tips/wp-content/uploads/2022/10/Small-business.png',0,'attachment','image/png',0),(2739,1,'2022-10-14 21:13:30','2022-10-14 21:13:30','<!-- wp:image {\"id\":2738,\"sizeSlug\":\"full\",\"linkDestination\":\"none\"} -->\n<figure class=\"wp-block-image size-full\"><img src=\"http://smartinsurance.tips/wp-content/uploads/2022/10/Small-business.png\" alt=\"\" class=\"wp-image-2738\"/></figure>\n<!-- /wp:image -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">What better way to&nbsp;show customers that you care than to&nbsp;send them a&nbsp;customer appreciation gift? Your competitors might try to&nbsp;win over customers with stale “thank you” emails. You, on&nbsp;the&nbsp;other hand, can leave a&nbsp;deep impression.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">The trouble with thank-you gifts is figuring out what to send. You can’t choose something that’s too expensive, nor can you pick something that might be seen as worthless. You have to walk a thin line between price and practicality when selecting thank-you gift ideas.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"textColor\":\"black\",\"fontSize\":\"extra-large\"} -->\n<h2 class=\"has-black-color has-text-color has-extra-large-font-size\">How to&nbsp;Use Gifts for&nbsp;Marketing</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">While the&nbsp;explicit purpose of&nbsp;a&nbsp;customer appreciation gift is&nbsp;to&nbsp;show you care, it&nbsp;has another motive as&nbsp;well: to&nbsp;market your online store. You certainly want customers to&nbsp;feel happy and&nbsp;appreciated, but it&nbsp;would also be&nbsp;nice if&nbsp;they were to&nbsp;recommend your store to&nbsp;their friends.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">To&nbsp;use customer appreciation gifts as&nbsp;a&nbsp;marketing tactic, there are a&nbsp;number of&nbsp;things you need to&nbsp;keep in&nbsp;mind.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3,\"textColor\":\"black\",\"fontSize\":\"extra-large\"} -->\n<h3 class=\"has-black-color has-text-color has-extra-large-font-size\">Gifts vs. discounts</h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Using discounts and&nbsp;offers to&nbsp;maximize sales is&nbsp;old hat in&nbsp;e-commerce.&nbsp;The question to&nbsp;ask is: how does a&nbsp;discount compare against a&nbsp;gift in&nbsp;terms of&nbsp;marketing impact?</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">To&nbsp;answer this question, you’ll have to&nbsp;consider two things:</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:list {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<ul class=\"has-black-color has-text-color has-large-font-size\"><li><strong>How often you offer discounts:</strong>&nbsp;The perceived value of&nbsp;a&nbsp;discount depends on&nbsp;how frequently you offer it. If&nbsp;you have frequent sales and&nbsp;offers, customers might not be&nbsp;too enthusiastic about yet another discount, no&nbsp;matter how steep.</li><li><strong>Discount value and&nbsp;conditions:</strong>&nbsp;A&nbsp;steep discount with liberal terms might end up&nbsp;costing you more than a&nbsp;free gift. On&nbsp;the&nbsp;other hand, if&nbsp;the&nbsp;discount is&nbsp;too low with strict terms, customers might not be&nbsp;interested.</li></ul>\n<!-- /wp:list -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Interestingly, research in consumer psychology indicates that people prefer to get more rather than spend less. A free gift might have higher perceived value since it gives them more.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Of&nbsp;course, this only applies if&nbsp;you’re actually telling customers that you’re giving them a&nbsp;gift. This brings us&nbsp;to&nbsp;the&nbsp;next point.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3,\"textColor\":\"black\",\"fontSize\":\"extra-large\"} -->\n<h3 class=\"has-black-color has-text-color has-extra-large-font-size\">Explicit vs. secret gifts</h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Should you tell customers about the&nbsp;gift or&nbsp;should you just send them a&nbsp;surprise?</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">There are pros and cons to each approach. Telling customers upfront might convince them to make a purchase, especially if they see the gift as a “deal”. At the same time, it robs you of the customer delight that comes with a surprise gift.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">What approach you use will depend on&nbsp;what you hope to&nbsp;achieve with the&nbsp;gift. If&nbsp;your goal is&nbsp;to&nbsp;delight customers, build loyalty, and&nbsp;increase word of&nbsp;mouth (including social media), choose a&nbsp;surprise gift.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">On&nbsp;the&nbsp;other hand, if&nbsp;you want to&nbsp;use gifts as&nbsp;an&nbsp;incentive to&nbsp;buy more, tell customers about it&nbsp;upfront.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3,\"textColor\":\"black\",\"fontSize\":\"extra-large\"} -->\n<h3 class=\"has-black-color has-text-color has-extra-large-font-size\">Gifting to&nbsp;some vs. gifting to&nbsp;all customers</h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Another dilemma is&nbsp;figuring out who to&nbsp;gift&nbsp;— some customers or&nbsp;all of&nbsp;them?</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Gifting everyone has the&nbsp;obvious cost disadvantage. You might also not realize many benefits from gifting people who are inactive on&nbsp;social media or&nbsp;unlikely to&nbsp;recommend you to&nbsp;friends.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">At the same time, gifting only a few customers might make them feel special — at the cost of other customers. Customer B might wonder why Customer A got a gift and he didn’t. This can create resentment for your brand — the exact opposite purpose of gifting.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3,\"textColor\":\"black\",\"fontSize\":\"extra-large\"} -->\n<h3 class=\"has-black-color has-text-color has-extra-large-font-size\">Maximize the&nbsp;impact of&nbsp;gifting</h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">To&nbsp;get the&nbsp;most out of&nbsp;your customer appreciation gifts, there are a&nbsp;few things you should keep in&nbsp;mind:</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:list {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<ul class=\"has-black-color has-text-color has-large-font-size\"><li>Customers buy more when there is a “mystery” involved in the purchase, as one University of Miami study discovered. Keeping the gift a secret can help in this regard.</li><li>Customers who receive something free and unexpected are driven to shop more, according to one study. Thus, it might be worth it to lose money upfront on a sale by giving a gift. You can make up for it with repeat purchases.</li><li>Giving away a freebie creates immediate word of mouth, according to an article in the Journal of Marketing. That is especially true if the gift is the first experience the customer has with your brand. Thus, besides your top customers, you can also target first-time buyers when giving away gifts to create a positive first impression.</li><li>Focus on gifting customers who are active on social media or have a history of sharing your stuff. Prompt them — gently — to upload pictures with their gifts on their favorite social network.</li><li>Consider donating to charity on behalf of the customer instead of giving away a gift. Research suggests that charity donations work better than a practical gift, especially when the original purchase is frivolous in nature.</li></ul>\n<!-- /wp:list -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">These are just some tactics to&nbsp;maximize the&nbsp;impact of&nbsp;your gifting. Your next challenge is&nbsp;to&nbsp;select the&nbsp;right gift. We’ll share some rules for&nbsp;gift selection below.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"textColor\":\"black\",\"fontSize\":\"extra-large\"} -->\n<h2 class=\"has-black-color has-text-color has-extra-large-font-size\">How to&nbsp;Select Customer Appreciation Gifts</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">A&nbsp;customer appreciation gift is&nbsp;usually something physical, useful, and&nbsp;related to&nbsp;your business in&nbsp;some capacity. It&nbsp;has a&nbsp;simple purpose: to&nbsp;thank customers for&nbsp;their business. Whether the&nbsp;gift elicits a&nbsp;“wow” or&nbsp;“eh” will depend on&nbsp;the&nbsp;quality of&nbsp;the&nbsp;gift.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">There are a&nbsp;number of&nbsp;rules you must follow when selecting a&nbsp;customer appreciation gift:</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\"><strong>It&nbsp;should have perceived value:</strong>&nbsp;Above everything else, the&nbsp;gift must have perceived value. Even if&nbsp;it&nbsp;is&nbsp;cheap, it&nbsp;must fulfill a&nbsp;need or&nbsp;appear valuable to&nbsp;the&nbsp;customer.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\"><strong>It&nbsp;should be&nbsp;useful:</strong>&nbsp;A&nbsp;good gift is&nbsp;usually one that serves some practical purpose. Souvenirs and&nbsp;trinkets that only take up&nbsp;space are easily forgotten. A&nbsp;useful gift will remind the&nbsp;customer of&nbsp;your business every time they use it.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\"><strong>It&nbsp;should be&nbsp;easy to&nbsp;store and&nbsp;transport:</strong>&nbsp;No&nbsp;customer wants to&nbsp;deal with an&nbsp;unwanted gift that takes up&nbsp;too much storage space. Neither do&nbsp;you want to&nbsp;worry about the&nbsp;hassle of&nbsp;transporting a&nbsp;large gift. Always pick something that is&nbsp;small and&nbsp;easy to&nbsp;transport.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\"><strong>It&nbsp;should be&nbsp;durable and&nbsp;lasting:</strong>&nbsp;A&nbsp;gift that is&nbsp;perishable or&nbsp;easy to&nbsp;destroy will quickly lose its value. Avoid fragile items or&nbsp;anything that might spoil over a&nbsp;couple of&nbsp;weeks.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\"><strong>It&nbsp;should be&nbsp;related to&nbsp;the&nbsp;business:</strong>&nbsp;An&nbsp;ideal gift is&nbsp;related to&nbsp;the&nbsp;business in&nbsp;some way so&nbsp;that it&nbsp;reminds the&nbsp;customer of&nbsp;you. If&nbsp;you run a&nbsp;fashion store, select a&nbsp;fashion accessory, not a&nbsp;book on&nbsp;macroeconomics.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\"><strong>It should be harmless:</strong> Lastly, the gift shouldn’t trigger allergies, have dangerous, sharp edges, or pose a choking hazard to children. Ask: can this gift cause problems for anyone in my customer’s household (especially old people and children)? If the answer is “yes”, pick something else.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p></p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"textColor\":\"black\",\"fontSize\":\"extra-large\"} -->\n<h2 class=\"has-black-color has-text-color has-extra-large-font-size\">19&nbsp;Thank-You&nbsp;Gift Ideas for&nbsp;Your Customers</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Now that you have a&nbsp;list of&nbsp;rules for&nbsp;selecting gifts, here are a&nbsp;few ideas you can choose from.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3,\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<h3 class=\"has-black-color has-text-color has-large-font-size\"><strong>1. Write personalized handwritten notes</strong></h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">A popular and extremely affordable gifting option is to simply send a personalized handwritten note to your customers. Make the message unique, personalized, and most importantly, authentic. Use pen and paper, not a printed message. It costs next to nothing except for your time.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3,\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<h3 class=\"has-black-color has-text-color has-large-font-size\"><strong>2. Send flowers</strong></h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Although perishable, flowers are a&nbsp;universally liked gift item. They’re also mostly brand agnostic, i.e. you don’t have to&nbsp;worry whether they align with your brand. Plus, the&nbsp;visual spectacle of&nbsp;a&nbsp;bunch of&nbsp;free flowers makes for&nbsp;a&nbsp;good photo opportunity and&nbsp;the&nbsp;social shares that go&nbsp;with it. Giving flowers to&nbsp;every customer is&nbsp;expensive, but if&nbsp;you pick the&nbsp;recipients (the most loyal customers, those with huge follower base on&nbsp;social media) and&nbsp;the&nbsp;occasion (birthday, Women’s Day) flowers can do&nbsp;magic.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">The only time flowers won’t work is&nbsp;if&nbsp;you’re targeting young, single male customer groups who usually don’t have an&nbsp;affinity for&nbsp;them. Remember to&nbsp;pick&nbsp;non-allergic&nbsp;flowers for&nbsp;your gifts.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3,\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<h3 class=\"has-black-color has-text-color has-large-font-size\"><strong>3. Offer books</strong></h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Books might not make an&nbsp;obvious choice for&nbsp;a&nbsp;gift, but for&nbsp;the&nbsp;right customer group, they can be&nbsp;a&nbsp;fantastic option. A&nbsp;relevant book not only shows that you understand the&nbsp;customer, but it&nbsp;will also stick with them for&nbsp;a&nbsp;long time, reminding them of&nbsp;your brand.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Further, books have a&nbsp;brand of&nbsp;their own. Sending a&nbsp;non-fiction&nbsp;book that pioneers new ideas can get customers to&nbsp;think of&nbsp;your brand as&nbsp;“innovative” as&nbsp;well. For best results, send&nbsp;non-fiction&nbsp;and&nbsp;non-controversial&nbsp;books.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3,\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<h3 class=\"has-black-color has-text-color has-large-font-size\"><strong>4. Give charitable gifts</strong></h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Making a charitable donation on behalf of the customer can work well as a gift idea, especially if your customers are eco-conscious and philanthropically-inclined. Just make sure that the charity is well-recognized, and that there is sufficient proof of the donation.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3,\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<h3 class=\"has-black-color has-text-color has-large-font-size\"><strong>5. Offer surprise upgrades</strong></h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Win over customers by&nbsp;offering them a&nbsp;free upgrade to&nbsp;their existing purchase. This works particularly well if&nbsp;the&nbsp;upgrade is&nbsp;similar to&nbsp;but better than their current purchase. Just ensure that you ask customers before making the&nbsp;upgrade&nbsp;— some might specifically want a&nbsp;lower-tier&nbsp;model.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3,\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<h3 class=\"has-black-color has-text-color has-large-font-size\"><strong>6. Help customers learn something</strong></h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">One of&nbsp;the&nbsp;best gifts you can give customers is&nbsp;the&nbsp;gift of&nbsp;learning. Perhaps you can put together a&nbsp;series of&nbsp;lessons to&nbsp;help them make the&nbsp;most of&nbsp;the&nbsp;purchase (such as&nbsp;a&nbsp;guitar store gifting free music lesson CDs). Or&nbsp;perhaps you can offer them courses on&nbsp;topics that complement the&nbsp;purchase (such as&nbsp;a&nbsp;handicrafts store offering a&nbsp;free pottery class).</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3,\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<h3 class=\"has-black-color has-text-color has-large-font-size\"><strong>7. Gift an experience</strong></h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">An&nbsp;experience&nbsp;— a&nbsp;spa package, tickets to&nbsp;a&nbsp;local event, etc.&nbsp;— is&nbsp;a&nbsp;great way to&nbsp;make yourself memorable. Ensure that the&nbsp;experience aligns with your brand and&nbsp;customer profile, i.e. don’t gift tickets to&nbsp;a&nbsp;metal concert if&nbsp;your customers are&nbsp;50-year&nbsp;old women. Also, pick an&nbsp;experience that is&nbsp;easy to&nbsp;reach, has broad appeal, and&nbsp;doesn’t cost too much to&nbsp;dent your profitability.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3,\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<h3 class=\"has-black-color has-text-color has-large-font-size\"><strong>8. Send a birthday gift</strong></h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Sending customers gifts on&nbsp;special occasions such as&nbsp;birthdays and&nbsp;anniversaries can help you win customer loyalty. It&nbsp;shows that you care enough to&nbsp;remember them.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Remember that once you start sending birthday gifts, customers might come to&nbsp;expect them every year. So&nbsp;pick something that is&nbsp;affordable enough for&nbsp;repeat gifting. A&nbsp;simple handwritten card works well enough for&nbsp;most customers.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3,\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<h3 class=\"has-black-color has-text-color has-large-font-size\"><strong>9. Offer a treat</strong></h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Cookies, chocolates, candy&nbsp;— sweet, customizable, and&nbsp;widely-loved&nbsp;treats make for&nbsp;a&nbsp;fantastic customer appreciation gift. Most customers will appreciate a&nbsp;tin of&nbsp;freshly baked cookies along with their purchase. You can even customize the&nbsp;packaging to&nbsp;include a&nbsp;personalized message or&nbsp;your brand logo.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">The only thing you have to&nbsp;look out for&nbsp;is&nbsp;food allergies. Try to&nbsp;avoid any&nbsp;treat with common allergens such as&nbsp;peanuts.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3,\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<h3 class=\"has-black-color has-text-color has-large-font-size\"><strong>10. Feature customers on social media</strong></h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Everyone wants their 15 minutes of fame, and your customers are no different. If you have a popular social channel, featuring your customers or their projects can be an unusual “gift”. This tactic works best if the customer has uploaded a picture of your product or interacted with you on social media before. It tells them — and your social media audience — that you’re listening.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3,\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<h3 class=\"has-black-color has-text-color has-large-font-size\"><strong>11. Share local products</strong></h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Gifting customers local products (such as&nbsp;a&nbsp;locally sourced food item) works wonderfully well for&nbsp;two reasons:</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:list {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<ul class=\"has-black-color has-text-color has-large-font-size\"><li>It&nbsp;portrays your business as&nbsp;a&nbsp;“friend” to&nbsp;other local small businesses, thus improving your brand perception.</li><li>It&nbsp;shows customers that you care enough about them to&nbsp;personalize the&nbsp;gift as&nbsp;per their location.</li></ul>\n<!-- /wp:list -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Partner up&nbsp;with a&nbsp;local business to&nbsp;offer these products. Your customers will appreciate them, as&nbsp;will local businesses.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3,\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<h3 class=\"has-black-color has-text-color has-large-font-size\"><strong>12. Create an exclusive group</strong></h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">How can you make your customers feel special? Simple: by&nbsp;creating an&nbsp;exclusive,&nbsp;invite-only&nbsp;group for&nbsp;your top customers. This can be&nbsp;something as&nbsp;simple as&nbsp;a&nbsp;closed Facebook group. Offer deep discounts unavailable elsewhere to&nbsp;emphasize the&nbsp;exclusivity of&nbsp;the&nbsp;group.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3,\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<h3 class=\"has-black-color has-text-color has-large-font-size\"><strong>13. Offer a free consultation</strong></h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Valuable advice can be&nbsp;a&nbsp;type of&nbsp;gift as&nbsp;well, especially in&nbsp;industries known to&nbsp;be&nbsp;difficult to&nbsp;approach. If&nbsp;you sell clothes, for&nbsp;instance, you can offer a&nbsp;freestyle consultation. If&nbsp;you sell fitness equipment, you can offer a&nbsp;custom diet plan and&nbsp;workout routine.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3,\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<h3 class=\"has-black-color has-text-color has-large-font-size\"><strong>14. Send coupons to local businesses</strong></h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Sending customers coupons to&nbsp;local businesses has the&nbsp;same effect as&nbsp;gifting local products. It&nbsp;shows customers that you care about small businesses. It&nbsp;also demonstrates that you’re willing to&nbsp;personalize gifts for&nbsp;each customer.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Find a local business that can offer something related (but not competitive) to your brand. Work out a deal with them where your customers can get a discount on future purchases.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3,\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<h3 class=\"has-black-color has-text-color has-large-font-size\"><strong>15. Give away a free product from your catalog</strong></h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">A perennial gifting favorite is to simply give away a cheap but useful product from your product catalog. This product should be low cost yet must have perceived value to the customer. Also make sure that it is related to the original purchase, example: free socks with a pair of shoes.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3,\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<h3 class=\"has-black-color has-text-color has-large-font-size\"><strong>16. Throw a party for special customers</strong></h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Another way to&nbsp;make customers feel special is&nbsp;to&nbsp;throw a&nbsp;party or&nbsp;host a&nbsp;meetup. This works best if&nbsp;you have a&nbsp;lot of&nbsp;customers in&nbsp;the&nbsp;same location.&nbsp;Warm-up&nbsp;customers to&nbsp;the&nbsp;idea of&nbsp;a&nbsp;party by&nbsp;inviting them to&nbsp;an&nbsp;exclusive group first (such as&nbsp;a&nbsp;Facebook first). Once they’ve all gotten to&nbsp;know each other a&nbsp;bit, invite them out to&nbsp;a&nbsp;party.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">It&nbsp;might be&nbsp;expensive, but it&nbsp;will be&nbsp;an&nbsp;experience your customers won’t forget. Plus, all the&nbsp;social media updates from it&nbsp;will do&nbsp;wonders for&nbsp;your word of&nbsp;mouth.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3,\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<h3 class=\"has-black-color has-text-color has-large-font-size\"><strong>17. Gift a low-maintenance potted plant</strong></h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">A&nbsp;small potted plant makes for&nbsp;a&nbsp;great gift. Something low maintenance and&nbsp;hardy&nbsp;—&nbsp;such as&nbsp;a&nbsp;cactus&nbsp;— not only looks good but also emphasizes your “green” credentials. If&nbsp;your customers are&nbsp;eco-conscious,&nbsp;this can be&nbsp;an&nbsp;affordable and&nbsp;memorable gift to&nbsp;send.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Alternatively, send customers plant seeds or&nbsp;even small DIY growing kits (&nbsp;with seeds, soil, and&nbsp;pot).</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3,\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<h3 class=\"has-black-color has-text-color has-large-font-size\"><strong>18. Give away free swag</strong></h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">A staple in gifting is to give away free swag — t-shirts, bags, notebooks, etc. Try not to include your logo on them. Doing so turns the swag from a gift to an overt marketing tool. Instead, pick something that reflects your brand’s values or products yet can be worn publicly.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3,\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<h3 class=\"has-black-color has-text-color has-large-font-size\"><strong>19. Make one customer feel special</strong></h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Instead of&nbsp;sending an&nbsp;ordinary gift to&nbsp;every customer, you can get a&nbsp;lot of&nbsp;social media mileage out of&nbsp;making a&nbsp;single customer feel truly special. Pick a&nbsp;customer who has been exceptionally loyal to&nbsp;your brand, then make a&nbsp;gesture that goes far beyond a&nbsp;standard “gift”.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">For example, Honda found out that one of its customers was about to hit 1 million miles in one of its cars. To make the customer feel special about this major milestone, Honda gave him a free new car and made a video about it.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p></p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>To read the full article, <a href=\"https://www.ecwid.com/blog/19-customer-appreciation-gift-ideas-to-thank-your-customers.html\">click here.</a></p>\n<!-- /wp:paragraph -->','19 Customer Appreciation Gift Ideas to Thank Your Customers','','inherit','closed','closed','','2737-revision-v1','','','2022-10-14 21:13:30','2022-10-14 21:13:30','',2737,'http://smartinsurance.tips/?p=2739',0,'revision','',0),(2740,1,'2022-10-17 16:16:46','2022-10-17 16:16:46','<!-- wp:image {\"id\":2741,\"sizeSlug\":\"full\",\"linkDestination\":\"none\"} -->\n<figure class=\"wp-block-image size-full\"><img src=\"http://smartinsurance.tips/wp-content/uploads/2022/10/Privacy.png\" alt=\"\" class=\"wp-image-2741\"/></figure>\n<!-- /wp:image -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Decorating your new home is definitely more fun than setting up security measures. But burglars strike every 30 seconds, so home security should be a top priority. To help you get back to the fun stuff, here are 11 simple things you should do right away to secure your new home.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p></p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"extra-large\"} -->\n<p class=\"has-black-color has-text-color has-extra-large-font-size\">1. Set up a security system</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Your new home should have some form of a security system, whether it’s a basic DIY system or one that comes with professional monitoring and home automation features. Today there are plenty of home security options for every budget and every level of protection.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">To choose a system that you’re comfortable with, Dr. Stickle recommends evaluating the needs of your neighborhood and your house. \"Once you know the likely risks,\" he explains, \"evaluate your home to see what is needed to protect it.\" </p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">You can contact your local police department for neighborhood crime statistics and help doing a home security evaluation of your home.​</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p></p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"textColor\":\"black\",\"fontSize\":\"extra-large\"} -->\n<h2 class=\"has-black-color has-text-color has-extra-large-font-size\">2. Secure the doors</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Don’t help a burglar stroll in through the front door (34% of them do!). Inspect all of your exterior doors to make sure the door frames are strong, the hinges are protected, and—if your door has a mail slot—that someone can’t reach through it to unlock the door.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">If you\'re moving into a residence that someone else used to call home, change the door locks. That way you won\'t have strangers out there with a key to your house, and you can make sure your locks are the best on the market.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Here are some quick reinforcements we recommend to help you shore up these vital entryways.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:list {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<ul class=\"has-black-color has-text-color has-large-font-size\"><li>Install a deadbolt. </li><li>Add a strike plate.</li><li>Upgrade to smart locks.</li><li>Boost security with a video doorbell.</li><li>Secure the mail slot.</li></ul>\n<!-- /wp:list -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\"><strong>Reinforce sliding glass doors</strong></p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Intruders love sliding doors, so make sure yours are protected. You can go old-school and use a window bar or dowel in the track to keep the door from being forced open. If you want a high-tech solution, add a door sensor or glass break sensor. These will alert you if the glass door is tampered with—and should scare off thieves.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p></p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"extra-large\"} -->\n<p class=\"has-black-color has-text-color has-extra-large-font-size\">3. Lock the windows</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">According to theft expert Dr. Ben Stickle, windows are \"a common entry point for criminals\" and may be left shut but unlocked by the previous homeowner. Plus, manufacturer latches on windows aren’t always effective—and sometimes they’re downright flimsy.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">If you don’t like the looks of your window latches, beef up security with aftermarket window locks or key-operated levers. But you don’t have to stop there.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">We have some other good ideas to help make your windows burglar-proof.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:list {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<ul class=\"has-black-color has-text-color has-large-font-size\"><li>Reinforce glass with window security film.</li><li>Install window sensors or glass break sensors.</li><li>Add window bars.</li><li>Plant prickly bushes under first-floor windows (but be sure to keep them trimmed).</li></ul>\n<!-- /wp:list -->\n\n<!-- wp:paragraph -->\n<p></p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"extra-large\"} -->\n<p class=\"has-black-color has-text-color has-extra-large-font-size\">4. Light up the landscape</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Vandals, burglars, and other criminals don’t like to be in the spotlight. Keep them at bay with ample outdoor lighting. Place lights around your front and back yards, along pathways, and near the garage and other outdoor structures. Not only will you make intruders skittish, you’ll also cut down your risk of a stumble on your way up the front steps.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Make your outdoor security lights even more effective with these tips:</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:list {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<ul class=\"has-black-color has-text-color has-large-font-size\"><li>Use motion-activated lights.</li><li>Save energy with solar-powered lights.</li><li>Use a smart outlet to put outdoor lights on a timer.</li><li>Set up schedules with smart light bulbs.</li></ul>\n<!-- /wp:list -->\n\n<!-- wp:paragraph -->\n<p></p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"extra-large\"} -->\n<p class=\"has-black-color has-text-color has-extra-large-font-size\">5. Don’t forget the garage</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">This entry point to your home is becoming more popular with criminals. And even if they can’t access your house, chances are you have plenty of good stuff stored in the garage. Make it a habit to lock all doors to the garage—both interior and exterior.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">You may also consider keeping your garage door opener in the house. That way, a burglar can’t grab it out of your car. And if you use a security code to open the garage, make sure you keep it secret and never enter it in front of delivery people, neighbors, or anyone else.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Here are some more easy ways to secure the garage.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:list {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<ul class=\"has-black-color has-text-color has-large-font-size\"><li>Upgrade to a smart garage door opener.</li><li>Cover windows to hide the goodies inside.</li><li>Secure garage doors with extra locks.</li><li>Use home automation—and never leave the garage door open again.</li><li>Install a driveway alarm.</li></ul>\n<!-- /wp:list -->\n\n<!-- wp:paragraph -->\n<p></p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"extra-large\"} -->\n<p class=\"has-black-color has-text-color has-extra-large-font-size\">6. Lock down your Wi-Fi network</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Your home wireless network is a doorway to your personal and financial information. And if you use home automation, it can also make your house vulnerable to a break-in. If your Wi-Fi network is connected to smart home gadgets or your security system, it could give criminals direct access to your home.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">But you don\'t have to leave yourself vulnerable. Use our tips and tricks to keep hackers off your home network.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:list {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<ul class=\"has-black-color has-text-color has-large-font-size\"><li>Secure your wireless router.</li><li>Enable WPA (Wi-Fi Protected Access) or WPA2 encryption.</li><li>Rename and hide your home network.</li><li>Use a firewall.</li><li>Install antivirus and anti-malware protection.</li><li>Create strong passwords.</li><li>Using a virtual private network (VPN) is one of the best ways to secure your internet connection.</li></ul>\n<!-- /wp:list -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\"><strong>Protect kids with parental-control software</strong></p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">If you’ve got little ones, chances are they go online for both homework and fun. Keep them safe from online predators and cyber bullies with a parental control app, router, or software package. These tools can even help you limit screen time and enforce device-free family dinners.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p></p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"extra-large\"} -->\n<p class=\"has-black-color has-text-color has-extra-large-font-size\">7. Eliminate hiding places</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Trees and shrubs may give your house curb appeal, but they also give burglars a handy place to hide. Trim down trees and plants close to your home that could be used for cover. Opt for smaller flowers and bushes instead. If you have trees near windows, either remove them or reinforce those windows with extra security.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">And don’t neglect the rest of your home’s exterior. Use these best practices to keep things locked up tight.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:list {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<ul class=\"has-black-color has-text-color has-large-font-size\"><li>Always put away stools and ladders.</li><li>Lock gates, sheds, and other outdoor buildings.</li><li>Don’t tempt thieves by leaving pricey goods on display in the yard.</li><li>Add security signs and stickers—even if you don\'t have a security system.</li></ul>\n<!-- /wp:list -->\n\n<!-- wp:paragraph -->\n<p></p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"textColor\":\"black\",\"fontSize\":\"extra-large\"} -->\n<h2 class=\"has-black-color has-text-color has-extra-large-font-size\">8. Add security cameras</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">You’ve probably seen headlines about burglars and porch pirates being foiled by security camera footage. This is one home security solution that works as both a deterrent and a means to get justice. You can get security cameras that are part of a complete home security system, or you can use cameras that work on their own.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Whichever way you go, we recommend using a security camera with a mobile app, so you can see footage in real time and store it if you ever need to go to the police. Take proactive measures to protect your cameras from hackers too. </p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Check out our other must-have features:</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:list {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<ul class=\"has-black-color has-text-color has-large-font-size\"><li>Motion detection</li><li>Night vision</li><li>Wi-Fi capability</li><li>Two-way talk</li><li>Local or cloud storage</li><li>Weatherproof casing for outdoor cameras</li></ul>\n<!-- /wp:list -->\n\n<!-- wp:paragraph -->\n<p></p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"textColor\":\"black\",\"fontSize\":\"extra-large\"} -->\n<h2 class=\"has-black-color has-text-color has-extra-large-font-size\">9. Get a safe</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">In the event that someone gets by your other home security strategies, make sure that valuables are protected. An in-home safe is a secure depository for everything from jewelry to vital documents like passports. You want a safe that is fire-resistant, waterproof, and heavy enough that a thief can’t walk away with it.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Follow these suggestions to get the most protection from your safe:</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:list {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<ul class=\"has-black-color has-text-color has-large-font-size\"><li>Look for safes with redundant locks (that’s two locks on one safe).</li><li>Select the right size safe for the valuables you want to protect.</li><li>Decide if you want a portable safe or one that’s anchored.</li></ul>\n<!-- /wp:list -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\"><strong>Secure firearms in a gun safe</strong></p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Firearms are desirable items for a burglar. On average, around 230,000 guns are stolen during household burglaries every year. A gun safe keeps your weapons out of the hands of criminals and protects your family from the risk of a tragic accident.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p></p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"extra-large\"} -->\n<p class=\"has-black-color has-text-color has-extra-large-font-size\">10. Use home automation</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">If you’ve been tempted to turn your regular house into a smart home, security is one compelling reason to follow through. Home automation gives you remote (or scheduled) control of lights, door locks, security cameras, smoke alarms, and other safety devices. You can get real-time alerts about suspicious activity so you can respond quickly and thwart potential thieves.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Here are some of our favorite ways to use home automation to increase security:</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:list {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<ul class=\"has-black-color has-text-color has-large-font-size\"><li>Schedule lights (and your TV) to turn on and off when you’re on vacation.</li><li>Scare away porch pirates with two-way talk through a smart doorbell.</li><li>Get an instant video feed whenever someone walks up your driveway.</li><li>Check on a smoke or CO alarm and cancel false alarms from your smartphone.</li></ul>\n<!-- /wp:list -->\n\n<!-- wp:paragraph -->\n<p></p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"extra-large\"} -->\n<p class=\"has-black-color has-text-color has-extra-large-font-size\">11. Prevent house fires</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Do what you can to prevent a fire in your new home.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:list {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<ul class=\"has-black-color has-text-color has-large-font-size\"><li>Inspect current fire alarms and CO detectors to make sure they\'re working.</li><li>Install new detectors where necessary.</li><li>Check the charge and expiration date on current fire extinguishers.</li><li>Buy new fire extinguishers if necessary.</li><li>Call a professional chimney inspector before using the fireplace. Here are some more fireplace safety tips.</li></ul>\n<!-- /wp:list -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Don\'t forget to make a new fire exit plan based on your home\'s layout, complete with fire escape ladders for second-story bedrooms.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p></p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"textColor\":\"black\",\"fontSize\":\"extra-large\"} -->\n<h2 class=\"has-black-color has-text-color has-extra-large-font-size\">Final word</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Figuring out how to secure your home doesn’t have to be a chore. Use these tips to get started. And relax—you don’t have to do everything at once.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Identify which strategies are most important to you, and make a plan to add the rest later. Being aware of potential security risks and taking action early is the best way to keep your home and loved ones safe.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p></p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>To read the full article, <a href=\"https://www.safewise.com/blog/10-simple-ways-to-secure-your-new-home/\">click here.</a></p>\n<!-- /wp:paragraph -->','10+ Simple Ways to Secure Your New Home','','publish','closed','closed','','10-simple-ways-to-secure-your-new-home','','','2022-10-17 16:16:46','2022-10-17 16:16:46','',0,'http://smartinsurance.tips/?p=2740',0,'post','',0),(2741,1,'2022-10-17 15:33:16','2022-10-17 15:33:16','','Privacy','','inherit','closed','closed','','privacy-5','','','2022-10-17 15:33:16','2022-10-17 15:33:16','',2740,'http://smartinsurance.tips/wp-content/uploads/2022/10/Privacy.png',0,'attachment','image/png',0),(2742,1,'2022-10-17 16:16:46','2022-10-17 16:16:46','<!-- wp:image {\"id\":2741,\"sizeSlug\":\"full\",\"linkDestination\":\"none\"} -->\n<figure class=\"wp-block-image size-full\"><img src=\"http://smartinsurance.tips/wp-content/uploads/2022/10/Privacy.png\" alt=\"\" class=\"wp-image-2741\"/></figure>\n<!-- /wp:image -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Decorating your new home is definitely more fun than setting up security measures. But burglars strike every 30 seconds, so home security should be a top priority. To help you get back to the fun stuff, here are 11 simple things you should do right away to secure your new home.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p></p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"extra-large\"} -->\n<p class=\"has-black-color has-text-color has-extra-large-font-size\">1. Set up a security system</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Your new home should have some form of a security system, whether it’s a basic DIY system or one that comes with professional monitoring and home automation features. Today there are plenty of home security options for every budget and every level of protection.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">To choose a system that you’re comfortable with, Dr. Stickle recommends evaluating the needs of your neighborhood and your house. \"Once you know the likely risks,\" he explains, \"evaluate your home to see what is needed to protect it.\" </p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">You can contact your local police department for neighborhood crime statistics and help doing a home security evaluation of your home.​</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p></p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"textColor\":\"black\",\"fontSize\":\"extra-large\"} -->\n<h2 class=\"has-black-color has-text-color has-extra-large-font-size\">2. Secure the doors</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Don’t help a burglar stroll in through the front door (34% of them do!). Inspect all of your exterior doors to make sure the door frames are strong, the hinges are protected, and—if your door has a mail slot—that someone can’t reach through it to unlock the door.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">If you\'re moving into a residence that someone else used to call home, change the door locks. That way you won\'t have strangers out there with a key to your house, and you can make sure your locks are the best on the market.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Here are some quick reinforcements we recommend to help you shore up these vital entryways.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:list {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<ul class=\"has-black-color has-text-color has-large-font-size\"><li>Install a deadbolt. </li><li>Add a strike plate.</li><li>Upgrade to smart locks.</li><li>Boost security with a video doorbell.</li><li>Secure the mail slot.</li></ul>\n<!-- /wp:list -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\"><strong>Reinforce sliding glass doors</strong></p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Intruders love sliding doors, so make sure yours are protected. You can go old-school and use a window bar or dowel in the track to keep the door from being forced open. If you want a high-tech solution, add a door sensor or glass break sensor. These will alert you if the glass door is tampered with—and should scare off thieves.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p></p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"extra-large\"} -->\n<p class=\"has-black-color has-text-color has-extra-large-font-size\">3. Lock the windows</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">According to theft expert Dr. Ben Stickle, windows are \"a common entry point for criminals\" and may be left shut but unlocked by the previous homeowner. Plus, manufacturer latches on windows aren’t always effective—and sometimes they’re downright flimsy.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">If you don’t like the looks of your window latches, beef up security with aftermarket window locks or key-operated levers. But you don’t have to stop there.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">We have some other good ideas to help make your windows burglar-proof.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:list {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<ul class=\"has-black-color has-text-color has-large-font-size\"><li>Reinforce glass with window security film.</li><li>Install window sensors or glass break sensors.</li><li>Add window bars.</li><li>Plant prickly bushes under first-floor windows (but be sure to keep them trimmed).</li></ul>\n<!-- /wp:list -->\n\n<!-- wp:paragraph -->\n<p></p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"extra-large\"} -->\n<p class=\"has-black-color has-text-color has-extra-large-font-size\">4. Light up the landscape</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Vandals, burglars, and other criminals don’t like to be in the spotlight. Keep them at bay with ample outdoor lighting. Place lights around your front and back yards, along pathways, and near the garage and other outdoor structures. Not only will you make intruders skittish, you’ll also cut down your risk of a stumble on your way up the front steps.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Make your outdoor security lights even more effective with these tips:</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:list {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<ul class=\"has-black-color has-text-color has-large-font-size\"><li>Use motion-activated lights.</li><li>Save energy with solar-powered lights.</li><li>Use a smart outlet to put outdoor lights on a timer.</li><li>Set up schedules with smart light bulbs.</li></ul>\n<!-- /wp:list -->\n\n<!-- wp:paragraph -->\n<p></p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"extra-large\"} -->\n<p class=\"has-black-color has-text-color has-extra-large-font-size\">5. Don’t forget the garage</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">This entry point to your home is becoming more popular with criminals. And even if they can’t access your house, chances are you have plenty of good stuff stored in the garage. Make it a habit to lock all doors to the garage—both interior and exterior.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">You may also consider keeping your garage door opener in the house. That way, a burglar can’t grab it out of your car. And if you use a security code to open the garage, make sure you keep it secret and never enter it in front of delivery people, neighbors, or anyone else.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Here are some more easy ways to secure the garage.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:list {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<ul class=\"has-black-color has-text-color has-large-font-size\"><li>Upgrade to a smart garage door opener.</li><li>Cover windows to hide the goodies inside.</li><li>Secure garage doors with extra locks.</li><li>Use home automation—and never leave the garage door open again.</li><li>Install a driveway alarm.</li></ul>\n<!-- /wp:list -->\n\n<!-- wp:paragraph -->\n<p></p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"extra-large\"} -->\n<p class=\"has-black-color has-text-color has-extra-large-font-size\">6. Lock down your Wi-Fi network</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Your home wireless network is a doorway to your personal and financial information. And if you use home automation, it can also make your house vulnerable to a break-in. If your Wi-Fi network is connected to smart home gadgets or your security system, it could give criminals direct access to your home.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">But you don\'t have to leave yourself vulnerable. Use our tips and tricks to keep hackers off your home network.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:list {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<ul class=\"has-black-color has-text-color has-large-font-size\"><li>Secure your wireless router.</li><li>Enable WPA (Wi-Fi Protected Access) or WPA2 encryption.</li><li>Rename and hide your home network.</li><li>Use a firewall.</li><li>Install antivirus and anti-malware protection.</li><li>Create strong passwords.</li><li>Using a virtual private network (VPN) is one of the best ways to secure your internet connection.</li></ul>\n<!-- /wp:list -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\"><strong>Protect kids with parental-control software</strong></p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">If you’ve got little ones, chances are they go online for both homework and fun. Keep them safe from online predators and cyber bullies with a parental control app, router, or software package. These tools can even help you limit screen time and enforce device-free family dinners.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p></p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"extra-large\"} -->\n<p class=\"has-black-color has-text-color has-extra-large-font-size\">7. Eliminate hiding places</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Trees and shrubs may give your house curb appeal, but they also give burglars a handy place to hide. Trim down trees and plants close to your home that could be used for cover. Opt for smaller flowers and bushes instead. If you have trees near windows, either remove them or reinforce those windows with extra security.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">And don’t neglect the rest of your home’s exterior. Use these best practices to keep things locked up tight.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:list {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<ul class=\"has-black-color has-text-color has-large-font-size\"><li>Always put away stools and ladders.</li><li>Lock gates, sheds, and other outdoor buildings.</li><li>Don’t tempt thieves by leaving pricey goods on display in the yard.</li><li>Add security signs and stickers—even if you don\'t have a security system.</li></ul>\n<!-- /wp:list -->\n\n<!-- wp:paragraph -->\n<p></p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"textColor\":\"black\",\"fontSize\":\"extra-large\"} -->\n<h2 class=\"has-black-color has-text-color has-extra-large-font-size\">8. Add security cameras</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">You’ve probably seen headlines about burglars and porch pirates being foiled by security camera footage. This is one home security solution that works as both a deterrent and a means to get justice. You can get security cameras that are part of a complete home security system, or you can use cameras that work on their own.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Whichever way you go, we recommend using a security camera with a mobile app, so you can see footage in real time and store it if you ever need to go to the police. Take proactive measures to protect your cameras from hackers too. </p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Check out our other must-have features:</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:list {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<ul class=\"has-black-color has-text-color has-large-font-size\"><li>Motion detection</li><li>Night vision</li><li>Wi-Fi capability</li><li>Two-way talk</li><li>Local or cloud storage</li><li>Weatherproof casing for outdoor cameras</li></ul>\n<!-- /wp:list -->\n\n<!-- wp:paragraph -->\n<p></p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"textColor\":\"black\",\"fontSize\":\"extra-large\"} -->\n<h2 class=\"has-black-color has-text-color has-extra-large-font-size\">9. Get a safe</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">In the event that someone gets by your other home security strategies, make sure that valuables are protected. An in-home safe is a secure depository for everything from jewelry to vital documents like passports. You want a safe that is fire-resistant, waterproof, and heavy enough that a thief can’t walk away with it.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Follow these suggestions to get the most protection from your safe:</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:list {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<ul class=\"has-black-color has-text-color has-large-font-size\"><li>Look for safes with redundant locks (that’s two locks on one safe).</li><li>Select the right size safe for the valuables you want to protect.</li><li>Decide if you want a portable safe or one that’s anchored.</li></ul>\n<!-- /wp:list -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\"><strong>Secure firearms in a gun safe</strong></p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Firearms are desirable items for a burglar. On average, around 230,000 guns are stolen during household burglaries every year. A gun safe keeps your weapons out of the hands of criminals and protects your family from the risk of a tragic accident.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p></p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"extra-large\"} -->\n<p class=\"has-black-color has-text-color has-extra-large-font-size\">10. Use home automation</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">If you’ve been tempted to turn your regular house into a smart home, security is one compelling reason to follow through. Home automation gives you remote (or scheduled) control of lights, door locks, security cameras, smoke alarms, and other safety devices. You can get real-time alerts about suspicious activity so you can respond quickly and thwart potential thieves.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Here are some of our favorite ways to use home automation to increase security:</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:list {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<ul class=\"has-black-color has-text-color has-large-font-size\"><li>Schedule lights (and your TV) to turn on and off when you’re on vacation.</li><li>Scare away porch pirates with two-way talk through a smart doorbell.</li><li>Get an instant video feed whenever someone walks up your driveway.</li><li>Check on a smoke or CO alarm and cancel false alarms from your smartphone.</li></ul>\n<!-- /wp:list -->\n\n<!-- wp:paragraph -->\n<p></p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"extra-large\"} -->\n<p class=\"has-black-color has-text-color has-extra-large-font-size\">11. Prevent house fires</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Do what you can to prevent a fire in your new home.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:list {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<ul class=\"has-black-color has-text-color has-large-font-size\"><li>Inspect current fire alarms and CO detectors to make sure they\'re working.</li><li>Install new detectors where necessary.</li><li>Check the charge and expiration date on current fire extinguishers.</li><li>Buy new fire extinguishers if necessary.</li><li>Call a professional chimney inspector before using the fireplace. Here are some more fireplace safety tips.</li></ul>\n<!-- /wp:list -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Don\'t forget to make a new fire exit plan based on your home\'s layout, complete with fire escape ladders for second-story bedrooms.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p></p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"textColor\":\"black\",\"fontSize\":\"extra-large\"} -->\n<h2 class=\"has-black-color has-text-color has-extra-large-font-size\">Final word</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Figuring out how to secure your home doesn’t have to be a chore. Use these tips to get started. And relax—you don’t have to do everything at once.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Identify which strategies are most important to you, and make a plan to add the rest later. Being aware of potential security risks and taking action early is the best way to keep your home and loved ones safe.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p></p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>To read the full article, <a href=\"https://www.safewise.com/blog/10-simple-ways-to-secure-your-new-home/\">click here.</a></p>\n<!-- /wp:paragraph -->','10+ Simple Ways to Secure Your New Home','','inherit','closed','closed','','2740-revision-v1','','','2022-10-17 16:16:46','2022-10-17 16:16:46','',2740,'http://smartinsurance.tips/?p=2742',0,'revision','',0),(2743,1,'2022-10-17 16:22:03','2022-10-17 16:22:03','<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">With the holidays looming, use these strategies to thank people for going the extra mile</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:image {\"id\":2744,\"sizeSlug\":\"full\",\"linkDestination\":\"none\"} -->\n<figure class=\"wp-block-image size-full\"><img src=\"http://smartinsurance.tips/wp-content/uploads/2022/10/Leadership.png\" alt=\"\" class=\"wp-image-2744\"/></figure>\n<!-- /wp:image -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Of all the perks a company can offer, people most of all want to know they are appreciated at the end of the day. Rewarding individuals and teams and expressing gratitude should happen throughout the year, but in the United States, we have a holiday dedicated to giving thanks. Conveniently, it comes at a busy time of year, as teams work in overdrive to prepare for end-of-year business milestones, winter holidays, office closures, and pending vacations.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Colleen Schlagel, chief talent officer at Sovos, makes a point to thank her team regularly via formal and informal programs throughout the year. Being a tax compliance company, Sovos’s busy season starts at the beginning of each calendar year and goes through tax season. During this hectic time, it’s more important than ever to remind her team they are appreciated, Schlagel explains.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Whether it’s over the holidays, end-of year crunch time, tax season, or any other day of the year, there are times when all teams need and deserve a little extra thanks. Here, Schlagel and IT leaders share a few of the unique approaches they take to show gratitude.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p></p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"textColor\":\"black\",\"fontSize\":\"extra-large\"} -->\n<h2 class=\"has-black-color has-text-color has-extra-large-font-size\"><strong>1. Soothe the stress of busy schedules</strong></h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">“As a tax compliance software, our company’s busiest period is the start of each calendar year. In gratitude for the extra effort that our employees put in every tax season, we host special events in our offices, including free lunches, chair massages, game rooms, daily brain teasers, etc.,” says Schlagel. “The goal is to create extra camaraderie and relieve stress.”</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">\"I sent all their spouses flowers and a note thanking them for the support they give their husband/wife.\"</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Being sincere and authentic is key, Ken Piddington, CIO of SGR Energy, Inc., told us last year. As CIO of MRE Consulting at the time, he said, “The most unique thing I’ve ever done was to show appreciation for the sacrifices my teams\' families make. After a particularly challenging project, which required a number of my team to work very long hours, often traveling to other locations, I sent all their spouses flowers and a note thanking them for the support they give their husband/wife.”</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p></p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"textColor\":\"black\",\"fontSize\":\"extra-large\"} -->\n<h2 class=\"has-black-color has-text-color has-extra-large-font-size\"><strong>2. Encourage peer recognition</strong></h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">“One of our most popular company programs is called ‘High Five’,” says Schlagel. “High Five encourages peers to nominate a colleague across any of our global offices who are living out Sovos’ core values. Each quarter, the executive team picks the best nominations and five individuals are recognized at our quarterly all-hands meetings with a gift card and, of course, a high five. At the end of the year, two of those nominees are selected for a company trip. In fiscal year 2017, we had over 300 nominations for High Five, proving that we’re creating a culture of gratitude across our worldwide operations.”</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">\"You really need to be doing something right to have your team rally behind you.\"</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Similarly, John Marcante, CIO of Vanguard, emphasizes peer recognition as a form of thanks that can feel extra special. He told us, “Once a quarter, everyone in IT has the opportunity to nominate someone that they’d like to recognize for our Peer Recognition Award. A small panel of previous winners chooses five employees who receive a small monetary prize, a trophy for their desks, and breakfast with me and my entire team. We have a lot of awards at Vanguard, but I think this is special because the nominations come from peers. It’s one thing for your manager to recognize you, but you really need to be doing something right to have your team rally behind you.”</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p></p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"textColor\":\"black\",\"fontSize\":\"extra-large\"} -->\n<h2 class=\"has-black-color has-text-color has-extra-large-font-size\"><strong>3. Thank individuals on the spot</strong></h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">“While some programs are formal, we also have an informal spot recognition program where managers can give gift cards to employees to immediately recognize extra achievements and efforts. These gift cards range from a cup of coffee to a nice dinner for two,” says Schlagel.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Individualized attention like this is important for leaders managing a large team, according to Cisco Sanchez, who told us about the ways he recognized individuals\' contributions while he was VP of enterprise foundational services for FedEx Services. “I truly believe small habits can make a big impact. One of the ways I show appreciation to my team is by speaking to them by name and asking them individually about their work. It’s amazing to see how eyes light up when people see that you have remembered their name and something unique about them. Appreciation opportunities are all around us. Saying ‘thank you\' is free, and we all have something to be thankful for,” he said.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p></p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>To read the full article, <a href=\"https://enterprisersproject.com/article/2018/11/tips-showing-gratitude-busy-teams-thanksgiving-and-every-day\">click here.</a></p>\n<!-- /wp:paragraph -->','3 tips to show gratitude to teams on Thanksgiving and every day','','publish','closed','closed','','3-tips-to-show-gratitude-to-teams-on-thanksgiving-and-every-day','','','2022-10-17 16:22:03','2022-10-17 16:22:03','',0,'http://smartinsurance.tips/?p=2743',0,'post','',0),(2744,1,'2022-10-17 16:18:11','2022-10-17 16:18:11','','Leadership','','inherit','closed','closed','','leadership-3','','','2022-10-17 16:18:11','2022-10-17 16:18:11','',2743,'http://smartinsurance.tips/wp-content/uploads/2022/10/Leadership.png',0,'attachment','image/png',0),(2745,1,'2022-10-17 16:22:03','2022-10-17 16:22:03','<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">With the holidays looming, use these strategies to thank people for going the extra mile</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:image {\"id\":2744,\"sizeSlug\":\"full\",\"linkDestination\":\"none\"} -->\n<figure class=\"wp-block-image size-full\"><img src=\"http://smartinsurance.tips/wp-content/uploads/2022/10/Leadership.png\" alt=\"\" class=\"wp-image-2744\"/></figure>\n<!-- /wp:image -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Of all the perks a company can offer, people most of all want to know they are appreciated at the end of the day. Rewarding individuals and teams and expressing gratitude should happen throughout the year, but in the United States, we have a holiday dedicated to giving thanks. Conveniently, it comes at a busy time of year, as teams work in overdrive to prepare for end-of-year business milestones, winter holidays, office closures, and pending vacations.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Colleen Schlagel, chief talent officer at Sovos, makes a point to thank her team regularly via formal and informal programs throughout the year. Being a tax compliance company, Sovos’s busy season starts at the beginning of each calendar year and goes through tax season. During this hectic time, it’s more important than ever to remind her team they are appreciated, Schlagel explains.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Whether it’s over the holidays, end-of year crunch time, tax season, or any other day of the year, there are times when all teams need and deserve a little extra thanks. Here, Schlagel and IT leaders share a few of the unique approaches they take to show gratitude.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p></p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"textColor\":\"black\",\"fontSize\":\"extra-large\"} -->\n<h2 class=\"has-black-color has-text-color has-extra-large-font-size\"><strong>1. Soothe the stress of busy schedules</strong></h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">“As a tax compliance software, our company’s busiest period is the start of each calendar year. In gratitude for the extra effort that our employees put in every tax season, we host special events in our offices, including free lunches, chair massages, game rooms, daily brain teasers, etc.,” says Schlagel. “The goal is to create extra camaraderie and relieve stress.”</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">\"I sent all their spouses flowers and a note thanking them for the support they give their husband/wife.\"</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Being sincere and authentic is key, Ken Piddington, CIO of SGR Energy, Inc., told us last year. As CIO of MRE Consulting at the time, he said, “The most unique thing I’ve ever done was to show appreciation for the sacrifices my teams\' families make. After a particularly challenging project, which required a number of my team to work very long hours, often traveling to other locations, I sent all their spouses flowers and a note thanking them for the support they give their husband/wife.”</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p></p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"textColor\":\"black\",\"fontSize\":\"extra-large\"} -->\n<h2 class=\"has-black-color has-text-color has-extra-large-font-size\"><strong>2. Encourage peer recognition</strong></h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">“One of our most popular company programs is called ‘High Five’,” says Schlagel. “High Five encourages peers to nominate a colleague across any of our global offices who are living out Sovos’ core values. Each quarter, the executive team picks the best nominations and five individuals are recognized at our quarterly all-hands meetings with a gift card and, of course, a high five. At the end of the year, two of those nominees are selected for a company trip. In fiscal year 2017, we had over 300 nominations for High Five, proving that we’re creating a culture of gratitude across our worldwide operations.”</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">\"You really need to be doing something right to have your team rally behind you.\"</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Similarly, John Marcante, CIO of Vanguard, emphasizes peer recognition as a form of thanks that can feel extra special. He told us, “Once a quarter, everyone in IT has the opportunity to nominate someone that they’d like to recognize for our Peer Recognition Award. A small panel of previous winners chooses five employees who receive a small monetary prize, a trophy for their desks, and breakfast with me and my entire team. We have a lot of awards at Vanguard, but I think this is special because the nominations come from peers. It’s one thing for your manager to recognize you, but you really need to be doing something right to have your team rally behind you.”</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p></p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"textColor\":\"black\",\"fontSize\":\"extra-large\"} -->\n<h2 class=\"has-black-color has-text-color has-extra-large-font-size\"><strong>3. Thank individuals on the spot</strong></h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">“While some programs are formal, we also have an informal spot recognition program where managers can give gift cards to employees to immediately recognize extra achievements and efforts. These gift cards range from a cup of coffee to a nice dinner for two,” says Schlagel.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Individualized attention like this is important for leaders managing a large team, according to Cisco Sanchez, who told us about the ways he recognized individuals\' contributions while he was VP of enterprise foundational services for FedEx Services. “I truly believe small habits can make a big impact. One of the ways I show appreciation to my team is by speaking to them by name and asking them individually about their work. It’s amazing to see how eyes light up when people see that you have remembered their name and something unique about them. Appreciation opportunities are all around us. Saying ‘thank you\' is free, and we all have something to be thankful for,” he said.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p></p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>To read the full article, <a href=\"https://enterprisersproject.com/article/2018/11/tips-showing-gratitude-busy-teams-thanksgiving-and-every-day\">click here.</a></p>\n<!-- /wp:paragraph -->','3 tips to show gratitude to teams on Thanksgiving and every day','','inherit','closed','closed','','2743-revision-v1','','','2022-10-17 16:22:03','2022-10-17 16:22:03','',2743,'http://smartinsurance.tips/?p=2745',0,'revision','',0),(2746,1,'2022-10-17 16:24:53','2022-10-17 16:24:53','<!-- wp:image {\"id\":2747,\"sizeSlug\":\"full\",\"linkDestination\":\"none\"} -->\n<figure class=\"wp-block-image size-full\"><img src=\"http://smartinsurance.tips/wp-content/uploads/2022/10/Health.png\" alt=\"\" class=\"wp-image-2747\"/></figure>\n<!-- /wp:image -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">The holiday season may look a little bit different this year. So, now more than ever, on Thanksgiving day the healthiest thing you can do is relax, enjoy a delicious meal and enjoy any time you can spend with loved ones. Here are a few of our favorite tips to make the most of the holiday without sacrifices–including your health!</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\"><strong>Get moving.</strong> Your goal should not be to burn off the day’s calories, but instead to move your body with an activity you enjoy. Whether that means heading to EF for your usual group exercise class, joining a virtual turkey trot, or spending the day on your feet in the kitchen, make sure you get some movement. Sluggishness begets sluggishness. If you spend the entire day vegging out on the couch, you won’t have the energy to fully enjoy the day.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\"><strong>Don’t skip meals.</strong>&nbsp;The classic mistake is to try to eat very little early on Thanksgiving day, or the days leading up to Thanksgiving. This is not a good idea. You can’t “save” calories for later. Instead, stay on track with your regular meals and snacks to stay satisfied. You will be far less likely to go completely overboard at dinner and make yourself sick.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\"><strong>Drink up!</strong>&nbsp;Make a concerted effort to get plenty of extra water the week of Thanksgiving. You will be enjoying rich foods with a lot of sodium, and maybe some alcohol as well. Stay hydrated if you don’t want to wake up feeling awful on Black Friday. Drinking water is also a helpful tool to keep your appetite level in check. Reach for a glass of water before you go back for another round of appetizers. You may find that you’re actually satisfied once you aren’t thirsty anymore.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\"><strong>Avoid eating because it is there.</strong>&nbsp;Many people fall into the trap of eating everything in sight on Thanksgiving because you only get ONE DAY to enjoy it, right? Wrong. It is easy to get caught up in the mentality that this is your only opportunity to enjoy these special foods. But, chances are, you will have leftovers in your fridge for another three weeks. If you think you may be on the verge of the “eating because it’s there” trap, reach for that water again. If you still want it after hydrating, then enjoy every bite.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\"><strong>It’s all about the bounce back!</strong>&nbsp;Even if you overdo it on Thanksgiving, remember that Thanksgiving is just one day. It isn’t possible to make any real negative impact on your weight, let alone your health, with one day of indulging. Just like you can’t make a positive impact with a single day of healthy eating! The real trouble comes in when we follow Thanksgiving dinner up with a month of holiday overindulging. We can’t stress this enough: skip the scale for a few days after Thanksgiving (water retention can cause the scale to shoot up), let go of any guilt, and jump right back into your normal, healthy routine.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">We hope these tips help you enjoy every minute of your Thanksgiving holiday. We certainly know what we’re thankful for– all of our wonderful members at Edgewater Fitness. And if you are not seeing your loved ones for Thanksgiving this year, you are not alone. We would love to connect with you over a workout on Thanksgiving day, whether virtually or in person.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p></p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>To read the full article, <a href=\"http://edgewaterfit.com/news/healthy-tips-to-enjoy-thanksgiving/\">click here.</a></p>\n<!-- /wp:paragraph -->','Healthy Tips to Enjoy Thanksgiving','','publish','closed','closed','','healthy-tips-to-enjoy-thanksgiving','','\nhttp://edgewaterfit.com/news/healthy-tips-to-enjoy-thanksgiving/','2022-10-17 16:24:53','2022-10-17 16:24:53','',0,'http://smartinsurance.tips/?p=2746',0,'post','',0),(2747,1,'2022-10-17 16:23:52','2022-10-17 16:23:52','','Health','','inherit','closed','closed','','health-4','','','2022-10-17 16:23:52','2022-10-17 16:23:52','',2746,'http://smartinsurance.tips/wp-content/uploads/2022/10/Health.png',0,'attachment','image/png',0),(2748,1,'2022-10-17 16:24:53','2022-10-17 16:24:53','<!-- wp:image {\"id\":2747,\"sizeSlug\":\"full\",\"linkDestination\":\"none\"} -->\n<figure class=\"wp-block-image size-full\"><img src=\"http://smartinsurance.tips/wp-content/uploads/2022/10/Health.png\" alt=\"\" class=\"wp-image-2747\"/></figure>\n<!-- /wp:image -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">The holiday season may look a little bit different this year. So, now more than ever, on Thanksgiving day the healthiest thing you can do is relax, enjoy a delicious meal and enjoy any time you can spend with loved ones. Here are a few of our favorite tips to make the most of the holiday without sacrifices–including your health!</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\"><strong>Get moving.</strong> Your goal should not be to burn off the day’s calories, but instead to move your body with an activity you enjoy. Whether that means heading to EF for your usual group exercise class, joining a virtual turkey trot, or spending the day on your feet in the kitchen, make sure you get some movement. Sluggishness begets sluggishness. If you spend the entire day vegging out on the couch, you won’t have the energy to fully enjoy the day.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\"><strong>Don’t skip meals.</strong>&nbsp;The classic mistake is to try to eat very little early on Thanksgiving day, or the days leading up to Thanksgiving. This is not a good idea. You can’t “save” calories for later. Instead, stay on track with your regular meals and snacks to stay satisfied. You will be far less likely to go completely overboard at dinner and make yourself sick.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\"><strong>Drink up!</strong>&nbsp;Make a concerted effort to get plenty of extra water the week of Thanksgiving. You will be enjoying rich foods with a lot of sodium, and maybe some alcohol as well. Stay hydrated if you don’t want to wake up feeling awful on Black Friday. Drinking water is also a helpful tool to keep your appetite level in check. Reach for a glass of water before you go back for another round of appetizers. You may find that you’re actually satisfied once you aren’t thirsty anymore.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\"><strong>Avoid eating because it is there.</strong>&nbsp;Many people fall into the trap of eating everything in sight on Thanksgiving because you only get ONE DAY to enjoy it, right? Wrong. It is easy to get caught up in the mentality that this is your only opportunity to enjoy these special foods. But, chances are, you will have leftovers in your fridge for another three weeks. If you think you may be on the verge of the “eating because it’s there” trap, reach for that water again. If you still want it after hydrating, then enjoy every bite.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\"><strong>It’s all about the bounce back!</strong>&nbsp;Even if you overdo it on Thanksgiving, remember that Thanksgiving is just one day. It isn’t possible to make any real negative impact on your weight, let alone your health, with one day of indulging. Just like you can’t make a positive impact with a single day of healthy eating! The real trouble comes in when we follow Thanksgiving dinner up with a month of holiday overindulging. We can’t stress this enough: skip the scale for a few days after Thanksgiving (water retention can cause the scale to shoot up), let go of any guilt, and jump right back into your normal, healthy routine.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">We hope these tips help you enjoy every minute of your Thanksgiving holiday. We certainly know what we’re thankful for– all of our wonderful members at Edgewater Fitness. And if you are not seeing your loved ones for Thanksgiving this year, you are not alone. We would love to connect with you over a workout on Thanksgiving day, whether virtually or in person.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p></p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>To read the full article, <a href=\"http://edgewaterfit.com/news/healthy-tips-to-enjoy-thanksgiving/\">click here.</a></p>\n<!-- /wp:paragraph -->','Healthy Tips to Enjoy Thanksgiving','','inherit','closed','closed','','2746-revision-v1','','','2022-10-17 16:24:53','2022-10-17 16:24:53','',2746,'http://smartinsurance.tips/?p=2748',0,'revision','',0),(2749,1,'2022-10-17 16:33:41','2022-10-17 16:33:41','<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Tips for Car Accidents Caused by Animals</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:image {\"id\":2750,\"sizeSlug\":\"full\",\"linkDestination\":\"none\"} -->\n<figure class=\"wp-block-image size-full\"><img src=\"http://smartinsurance.tips/wp-content/uploads/2022/10/Insurance-1.png\" alt=\"\" class=\"wp-image-2750\"/></figure>\n<!-- /wp:image -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\" id=\"mntl-sc-block_1-0\">A lot of car accidents are caused by animals every year. Animals are unpredictable, and when they dart out from tall weeds, a home, or a nearby forest, they can be impossible to avoid. Some car insurance covers animal damage, and nearly all animal car accidents are handled the same by car insurance carriers.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3,\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<h3 class=\"has-black-color has-text-color has-large-font-size\" id=\"mntl-sc-block-callout-heading_1-0\"><strong>Key Takeaways</strong></h3>\n<!-- /wp:heading -->\n\n<!-- wp:list {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<ul class=\"has-black-color has-text-color has-large-font-size\"><li>If your car insurance policy includes comprehensive coverage, the entire cost of your animal car accident will likely be covered.</li><li>Handling different types of animal damage can vary, depending on whether the animal has an owner.</li><li>Comprehensive coverage is also helpful if you encounter storm damage, flying debris, fire, or theft.</li><li>Check your declarations page to find out what types of coverage you have.</li></ul>\n<!-- /wp:list -->\n\n<!-- wp:paragraph -->\n<p></p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"textColor\":\"black\",\"fontSize\":\"extra-large\"} -->\n<h2 class=\"has-black-color has-text-color has-extra-large-font-size\" id=\"mntl-sc-block_1-0-3\">Comprehensive Insurance Covers Animal Accidents</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\" id=\"mntl-sc-block_1-0-4\">Knowing what damage to look for and how to handle an insurance claim due to animal damage can save you both time and money.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:list {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<ul id=\"mntl-sc-block_1-0-6\" class=\"has-black-color has-text-color has-large-font-size\"><li>Your car insurance can potentially cover all animal car accidents if you have purchased comprehensive coverage. Take photos of the damage, and call your insurance agent if you need help filing the claim.</li><li>The cost of the damage must exceed your deductible. Otherwise, you will be on the hook for the full cost of repairs. </li></ul>\n<!-- /wp:list -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\" id=\"mntl-sc-block_1-0-8\">Making a police report is essential. Even though there’s no “suspect” for them to arrest or ticket, letting the police know about your accident proves to your insurance company that it happened. </p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"textColor\":\"black\",\"fontSize\":\"extra-large\"} -->\n<h2 class=\"has-black-color has-text-color has-extra-large-font-size\" id=\"mntl-sc-block_1-0-10\">Tips for Specific Types of Animals</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\" id=\"mntl-sc-block_1-0-11\">Handling different types of animal damage varies according to whether or not the animal has an owner. Pet owners are often held liable for animal accidents. Of course, wild animals such as deer don\'t have owners, but you may be asked about it when filing a claim. It is all a part of the process so that the claim can be filed accurately.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3,\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<h3 class=\"has-black-color has-text-color has-large-font-size\" id=\"mntl-sc-block_1-0-13\"><strong>Deer</strong></h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\" id=\"mntl-sc-block_1-0-14\">Deer are easily the most common animals hit on U.S. roadways. They are large enough to do severe damage to your car and sometimes can even cause injury to the driver and passengers. It all depends on the type of vehicle and its speed. Because deer are so prevalent, it is very important to get a police report, which will come in especially handy if you recently purchased your car insurance policy or if you recently have filed another deer claim. It will verify information about the accident to your insurance claim adjuster. Some insurance carriers do not require a police report; if you are unsure, check with your agent.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3,\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<h3 class=\"has-black-color has-text-color has-large-font-size\" id=\"mntl-sc-block_1-0-16\"><strong>Dog</strong></h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\" id=\"mntl-sc-block_1-0-17\">Hitting a dog with your car is a little different from hitting other animals, because dogs usually have owners. Owners are responsible for damage caused by their dog when it has not been appropriately restrained. The standard procedure is for the dog owner\'s homeowners policy to cover the damage. However, if there is no such insurance, the dog\'s owner would be held personally responsible.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\" id=\"mntl-sc-block_1-0-19\">Sometimes, the owner would prefer to cover the damage out of pocket versus filing a claim. Other times, small claims court is required. It all depends on how the owner responds to the situation. If you cannot locate the dog\'s owner, your car insurance policy\'s comprehensive coverage will cover the damage. </p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3,\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<h3 class=\"has-black-color has-text-color has-large-font-size\" id=\"mntl-sc-block_1-0-21\"><strong>Bird</strong></h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\" id=\"mntl-sc-block_1-0-22\">Often, the only damage that birds cause is to the windshield. Windshield coverage is also provided under comprehensive coverage. If you have a deductible, check around with local glass companies to see whether they waive deductibles.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3,\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<h3 class=\"has-black-color has-text-color has-large-font-size\" id=\"mntl-sc-block_1-0-24\"><strong>Raccoon</strong></h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\" id=\"mntl-sc-block_1-0-25\">A raccoon might seem small and harmless when it comes to a car accident, but it is still possible for it to do a lot of damage, depending on what kind of car you drive. If you hit a raccoon with your car, and you drive a compact, be sure to get it checked out immediately. The animal is likely to have damaged the undercarriage, and that can severely affect your vehicle if left unfixed.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3,\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<h3 class=\"has-black-color has-text-color has-large-font-size\" id=\"mntl-sc-block_1-0-27\"><strong>Cow</strong></h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\" id=\"mntl-sc-block_1-0-28\">As you can imagine, your car is likely to sustain substantial damage when hitting such a large animal. Similar to hitting a dog, the cow\'s owner would be responsible for any damage, because the cow should not have been in the roadway. It is possible to file a comprehensive claim under your car insurance policy and then have your insurance company subrogate the claim. The insurance carrier would go after the animal\'s owner. Your vehicle may be repaired sooner if you file the claim under your car insurance policy.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"textColor\":\"black\",\"fontSize\":\"extra-large\"} -->\n<h2 class=\"has-black-color has-text-color has-extra-large-font-size\" id=\"mntl-sc-block_1-0-30\">Comprehensive Coverage</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\" id=\"mntl-sc-block_1-0-31\">Your comprehensive coverage would cover animal damage not listed here, as well. Comprehensive is the one type of coverage that protects your vehicle against physical damage to your car <em>not</em> involving a stationary object or another vehicle. You will also find comprehensive coverage to be helpful if you encounter storm damage, flying debris, fire, or theft.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p></p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"textColor\":\"black\",\"fontSize\":\"extra-large\"} -->\n<h2 class=\"has-black-color has-text-color has-extra-large-font-size\" id=\"mntl-sc-block_1-0-35\">Frequently Asked Questions (FAQs)</h2>\n<!-- /wp:heading -->\n\n<!-- wp:heading {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<h2 class=\"has-black-color has-text-color has-large-font-size\"><strong>What types of car insurance are there?</strong></h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Collision insurance covers damage caused by your car colliding with a vehicle or stationary object while you were driving, such as hitting another car or a mailbox. Comprehensive car insurance covers other types of damage, such as colliding with an animal or damage from vandalism or falling tree branches.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<h2 class=\"has-black-color has-text-color has-large-font-size\"><strong>How do I file a car insurance claim?</strong></h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">You will want to file a car insurance claim if someone was injured due to an accident or collision, if property was damaged, or if your vehicle was damaged. You can file a claim by contacting your insurance carrier, either by phone or through its website. If you file a claim through the website, an agent will call you to talk through the details and collect additional information.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p></p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>To read the full article, <a href=\"https://www.thebalancemoney.com/car-accidents-caused-by-animals-527081\">click here.</a></p>\n<!-- /wp:paragraph -->','Does Car Insurance Cover Animal Damage?','','publish','closed','closed','','does-car-insurance-cover-animal-damage','','','2022-10-17 16:33:41','2022-10-17 16:33:41','',0,'http://smartinsurance.tips/?p=2749',0,'post','',0),(2750,1,'2022-10-17 16:26:22','2022-10-17 16:26:22','','Insurance-1','','inherit','closed','closed','','insurance-1-7','','','2022-10-17 16:26:22','2022-10-17 16:26:22','',2749,'http://smartinsurance.tips/wp-content/uploads/2022/10/Insurance-1.png',0,'attachment','image/png',0),(2751,1,'2022-10-17 16:33:41','2022-10-17 16:33:41','<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Tips for Car Accidents Caused by Animals</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:image {\"id\":2750,\"sizeSlug\":\"full\",\"linkDestination\":\"none\"} -->\n<figure class=\"wp-block-image size-full\"><img src=\"http://smartinsurance.tips/wp-content/uploads/2022/10/Insurance-1.png\" alt=\"\" class=\"wp-image-2750\"/></figure>\n<!-- /wp:image -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\" id=\"mntl-sc-block_1-0\">A lot of car accidents are caused by animals every year. Animals are unpredictable, and when they dart out from tall weeds, a home, or a nearby forest, they can be impossible to avoid. Some car insurance covers animal damage, and nearly all animal car accidents are handled the same by car insurance carriers.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3,\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<h3 class=\"has-black-color has-text-color has-large-font-size\" id=\"mntl-sc-block-callout-heading_1-0\"><strong>Key Takeaways</strong></h3>\n<!-- /wp:heading -->\n\n<!-- wp:list {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<ul class=\"has-black-color has-text-color has-large-font-size\"><li>If your car insurance policy includes comprehensive coverage, the entire cost of your animal car accident will likely be covered.</li><li>Handling different types of animal damage can vary, depending on whether the animal has an owner.</li><li>Comprehensive coverage is also helpful if you encounter storm damage, flying debris, fire, or theft.</li><li>Check your declarations page to find out what types of coverage you have.</li></ul>\n<!-- /wp:list -->\n\n<!-- wp:paragraph -->\n<p></p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"textColor\":\"black\",\"fontSize\":\"extra-large\"} -->\n<h2 class=\"has-black-color has-text-color has-extra-large-font-size\" id=\"mntl-sc-block_1-0-3\">Comprehensive Insurance Covers Animal Accidents</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\" id=\"mntl-sc-block_1-0-4\">Knowing what damage to look for and how to handle an insurance claim due to animal damage can save you both time and money.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:list {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<ul id=\"mntl-sc-block_1-0-6\" class=\"has-black-color has-text-color has-large-font-size\"><li>Your car insurance can potentially cover all animal car accidents if you have purchased comprehensive coverage. Take photos of the damage, and call your insurance agent if you need help filing the claim.</li><li>The cost of the damage must exceed your deductible. Otherwise, you will be on the hook for the full cost of repairs. </li></ul>\n<!-- /wp:list -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\" id=\"mntl-sc-block_1-0-8\">Making a police report is essential. Even though there’s no “suspect” for them to arrest or ticket, letting the police know about your accident proves to your insurance company that it happened. </p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"textColor\":\"black\",\"fontSize\":\"extra-large\"} -->\n<h2 class=\"has-black-color has-text-color has-extra-large-font-size\" id=\"mntl-sc-block_1-0-10\">Tips for Specific Types of Animals</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\" id=\"mntl-sc-block_1-0-11\">Handling different types of animal damage varies according to whether or not the animal has an owner. Pet owners are often held liable for animal accidents. Of course, wild animals such as deer don\'t have owners, but you may be asked about it when filing a claim. It is all a part of the process so that the claim can be filed accurately.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3,\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<h3 class=\"has-black-color has-text-color has-large-font-size\" id=\"mntl-sc-block_1-0-13\"><strong>Deer</strong></h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\" id=\"mntl-sc-block_1-0-14\">Deer are easily the most common animals hit on U.S. roadways. They are large enough to do severe damage to your car and sometimes can even cause injury to the driver and passengers. It all depends on the type of vehicle and its speed. Because deer are so prevalent, it is very important to get a police report, which will come in especially handy if you recently purchased your car insurance policy or if you recently have filed another deer claim. It will verify information about the accident to your insurance claim adjuster. Some insurance carriers do not require a police report; if you are unsure, check with your agent.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3,\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<h3 class=\"has-black-color has-text-color has-large-font-size\" id=\"mntl-sc-block_1-0-16\"><strong>Dog</strong></h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\" id=\"mntl-sc-block_1-0-17\">Hitting a dog with your car is a little different from hitting other animals, because dogs usually have owners. Owners are responsible for damage caused by their dog when it has not been appropriately restrained. The standard procedure is for the dog owner\'s homeowners policy to cover the damage. However, if there is no such insurance, the dog\'s owner would be held personally responsible.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\" id=\"mntl-sc-block_1-0-19\">Sometimes, the owner would prefer to cover the damage out of pocket versus filing a claim. Other times, small claims court is required. It all depends on how the owner responds to the situation. If you cannot locate the dog\'s owner, your car insurance policy\'s comprehensive coverage will cover the damage. </p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3,\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<h3 class=\"has-black-color has-text-color has-large-font-size\" id=\"mntl-sc-block_1-0-21\"><strong>Bird</strong></h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\" id=\"mntl-sc-block_1-0-22\">Often, the only damage that birds cause is to the windshield. Windshield coverage is also provided under comprehensive coverage. If you have a deductible, check around with local glass companies to see whether they waive deductibles.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3,\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<h3 class=\"has-black-color has-text-color has-large-font-size\" id=\"mntl-sc-block_1-0-24\"><strong>Raccoon</strong></h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\" id=\"mntl-sc-block_1-0-25\">A raccoon might seem small and harmless when it comes to a car accident, but it is still possible for it to do a lot of damage, depending on what kind of car you drive. If you hit a raccoon with your car, and you drive a compact, be sure to get it checked out immediately. The animal is likely to have damaged the undercarriage, and that can severely affect your vehicle if left unfixed.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3,\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<h3 class=\"has-black-color has-text-color has-large-font-size\" id=\"mntl-sc-block_1-0-27\"><strong>Cow</strong></h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\" id=\"mntl-sc-block_1-0-28\">As you can imagine, your car is likely to sustain substantial damage when hitting such a large animal. Similar to hitting a dog, the cow\'s owner would be responsible for any damage, because the cow should not have been in the roadway. It is possible to file a comprehensive claim under your car insurance policy and then have your insurance company subrogate the claim. The insurance carrier would go after the animal\'s owner. Your vehicle may be repaired sooner if you file the claim under your car insurance policy.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"textColor\":\"black\",\"fontSize\":\"extra-large\"} -->\n<h2 class=\"has-black-color has-text-color has-extra-large-font-size\" id=\"mntl-sc-block_1-0-30\">Comprehensive Coverage</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\" id=\"mntl-sc-block_1-0-31\">Your comprehensive coverage would cover animal damage not listed here, as well. Comprehensive is the one type of coverage that protects your vehicle against physical damage to your car <em>not</em> involving a stationary object or another vehicle. You will also find comprehensive coverage to be helpful if you encounter storm damage, flying debris, fire, or theft.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p></p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"textColor\":\"black\",\"fontSize\":\"extra-large\"} -->\n<h2 class=\"has-black-color has-text-color has-extra-large-font-size\" id=\"mntl-sc-block_1-0-35\">Frequently Asked Questions (FAQs)</h2>\n<!-- /wp:heading -->\n\n<!-- wp:heading {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<h2 class=\"has-black-color has-text-color has-large-font-size\"><strong>What types of car insurance are there?</strong></h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Collision insurance covers damage caused by your car colliding with a vehicle or stationary object while you were driving, such as hitting another car or a mailbox. Comprehensive car insurance covers other types of damage, such as colliding with an animal or damage from vandalism or falling tree branches.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<h2 class=\"has-black-color has-text-color has-large-font-size\"><strong>How do I file a car insurance claim?</strong></h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">You will want to file a car insurance claim if someone was injured due to an accident or collision, if property was damaged, or if your vehicle was damaged. You can file a claim by contacting your insurance carrier, either by phone or through its website. If you file a claim through the website, an agent will call you to talk through the details and collect additional information.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p></p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>To read the full article, <a href=\"https://www.thebalancemoney.com/car-accidents-caused-by-animals-527081\">click here.</a></p>\n<!-- /wp:paragraph -->','Does Car Insurance Cover Animal Damage?','','inherit','closed','closed','','2749-revision-v1','','','2022-10-17 16:33:41','2022-10-17 16:33:41','',2749,'http://smartinsurance.tips/?p=2751',0,'revision','',0),(2752,1,'2022-10-17 16:34:11','2022-10-17 16:34:11','','Insurance-1-1','','inherit','closed','closed','','insurance-1-1','','','2022-10-17 16:34:11','2022-10-17 16:34:11','',1817,'http://smartinsurance.tips/wp-content/uploads/2022/10/Insurance-1-1.png',0,'attachment','image/png',0),(2753,1,'2022-10-17 16:34:14','2022-10-17 16:34:14','<!-- wp:image {\"id\":2752,\"sizeSlug\":\"full\",\"linkDestination\":\"none\"} -->\n<figure class=\"wp-block-image size-full\"><img src=\"http://smartinsurance.tips/wp-content/uploads/2022/10/Insurance-1-1.png\" alt=\"\" class=\"wp-image-2752\"/></figure>\n<!-- /wp:image -->\n\n<!-- wp:paragraph -->\n<p>A lot of car accidents are caused by animals every year. Animals are unpredictable, and when they dart out from tall weeds, a home, or a nearby forest, they can be impossible to avoid. Some car insurance covers animal damage, and nearly all animal car accidents are handled the same by car insurance carriers.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>Key takeaways: </p>\n<!-- /wp:paragraph -->\n\n<!-- wp:list -->\n<ul><li>If your car insurance policy includes comprehensive coverage, the entire cost of your animal car accident will likely be covered.</li><li>Handling different types of animal damage can vary depending on whether the animal has an owner.</li><li>Comprehensive coverage is also helpful if you encounter storm damage, flying debris, fire, or theft.</li><li>Check your declarations page to find out what types of coverage you have.</li></ul>\n<!-- /wp:list -->\n\n<!-- wp:heading -->\n<h2 id=\"mntl-sc-block_1-0-5\">Comprehensive Insurance Covers Animal Accidents</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p id=\"mntl-sc-block_1-0-7\">Knowing what damage to look for and how to handle an insurance claim due to animal damage can save you both time and money.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:list -->\n<ul><li>Your car insurance can potentially cover all animal car accidents if you have purchased comprehensive coverage. Take photos of the damage, and call your insurance agent if you need help filing the claim.</li><li>The cost of the damage must exceed your deductible. Otherwise, you will be on the hook for the full cost of repairs.</li></ul>\n<!-- /wp:list -->\n\n<!-- wp:paragraph -->\n<p>Making a police report is a good idea. Even though there’s no “suspect” for them to arrest or ticket, letting the police know about your accident proves to your insurance company that it happened.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading -->\n<h2 id=\"mntl-sc-block_1-0-15\">Tips for Specific Types of Animals</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p id=\"mntl-sc-block_1-0-17\">Handling different types of animal damage varies according to whether or not the animal has an owner. Pet owners are often held liable for animal accidents. Of course, wild animals such as deer don\'t have owners, but you may be asked about it when filing a claim. It is all a part of the process so that the claim can be filed accurately.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>Deer<br>Deer are easily the most common animals hit on U.S. roadways. Deer are large enough to do severe damage to your car and sometimes can even cause injury to the driver and passengers. It all depends on the vehicle\'s speed and type of vehicle. Because deer are so prevalent, it is a good idea to get a police report. Police reports come in especially handy if you recently purchased your car insurance policy or if you recently filed another deer claim. A police report will verify information about the accident to your insurance claim adjuster. Some insurance carriers do not require a police report; if you are unsure, check with your agent.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>Dog<br>Hitting a dog with your car is a little different when compared to hitting other animals because dogs usually have owners. Owners are responsible for damages caused by their dog when it has not been appropriately restrained. The standard procedure is for the dog owner\'s homeowners\' policy to cover the damage. However, if there is no home insurance, the dog owner would be held personally responsible.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>Sometimes the owner would prefer to cover the damage out of pocket versus filing a claim. And other times, small claims court is required. It all depends on how the owner responds to the situation. If you cannot locate the dog\'s owner, your car insurance policy\'s comprehensive coverage will cover the damage.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>Bird<br>Often the only damage birds cause is to the windshield. Windshield coverage is also provided under comprehensive coverage. If you have a deductible, check around with local glass companies to see if they waive deductibles.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>Raccoon<br>A raccoon might seem small and harmless when it comes to a car accident, but it is still possible for them to do a lot of damage, depending on what kind of car you drive. If you hit a raccoon with your car and you drive a compact, be sure to get it checked out immediately. The animal is likely to have damaged the undercarriage, and that can severely affect your vehicle if left unfixed.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>Cow<br>As you can imagine, your car is likely to sustain substantial damage when hitting such a large animal. Similar to hitting a dog, the cow\'s owner would be responsible for any damages because the cow should not be in the roadway. It is possible to file a comprehensive claim under your car insurance policy and then have your insurance company subrogate the claim. This subrogation means the insurance carrier would go after the animal\'s owner. Your vehicle may be repaired sooner if you file the claim under your car insurance policy.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading -->\n<h2 id=\"mntl-sc-block_1-0-47\">Comprehensive Coverage</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p>Your comprehensive coverage would cover animal damage not listed here, as well. Comprehensive is the one coverage that protects your vehicle against physical damage to your car, NOT involving a stationary object or another vehicle. You will also find comprehensive coverage to be helpful if you encounter storm damage, flying debris, fire, or theft.1﻿</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>Check your car insurance policy to verify your coverage. Your declaration page should state comprehensive or other than collision on your policy if you have purchased this coverage.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>To read the full article,&nbsp;<a href=\"https://www.thebalance.com/car-accidents-caused-by-animals-527081\">click here</a>.</p>\n<!-- /wp:paragraph -->','Does Car Insurance Cover Animal Damage?','','inherit','closed','closed','','1817-revision-v1','','','2022-10-17 16:34:14','2022-10-17 16:34:14','',1817,'http://smartinsurance.tips/?p=2753',0,'revision','',0),(2756,1,'2022-10-17 16:49:05','2022-10-17 16:49:05','<!-- wp:image {\"id\":2752,\"sizeSlug\":\"full\",\"linkDestination\":\"none\"} -->\n<figure class=\"wp-block-image size-full\"><img src=\"http://smartinsurance.tips/wp-content/uploads/2022/10/Insurance-1-1.png\" alt=\"\" class=\"wp-image-2752\"/></figure>\n<!-- /wp:image -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">A lot of car accidents are caused by animals every year. Animals are unpredictable, and when they dart out from tall weeds, a home, or a nearby forest, they can be impossible to avoid. Some car insurance covers animal damage, and nearly all animal car accidents are handled the same by car insurance carriers.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\"><strong>Key takeaways: </strong></p>\n<!-- /wp:paragraph -->\n\n<!-- wp:list {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<ul class=\"has-black-color has-text-color has-large-font-size\"><li>If your car insurance policy includes comprehensive coverage, the entire cost of your animal car accident will likely be covered.</li><li>Handling different types of animal damage can vary depending on whether the animal has an owner.</li><li>Comprehensive coverage is also helpful if you encounter storm damage, flying debris, fire, or theft.</li><li>Check your declarations page to find out what types of coverage you have.</li></ul>\n<!-- /wp:list -->\n\n<!-- wp:heading {\"textColor\":\"black\",\"fontSize\":\"extra-large\"} -->\n<h2 class=\"has-black-color has-text-color has-extra-large-font-size\" id=\"mntl-sc-block_1-0-5\">Comprehensive Insurance Covers Animal Accidents</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\" id=\"mntl-sc-block_1-0-7\">Knowing what damage to look for and how to handle an insurance claim due to animal damage can save you both time and money.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:list {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<ul class=\"has-black-color has-text-color has-large-font-size\"><li>Your car insurance can potentially cover all animal car accidents if you have purchased comprehensive coverage. Take photos of the damage, and call your insurance agent if you need help filing the claim.</li><li>The cost of the damage must exceed your deductible. Otherwise, you will be on the hook for the full cost of repairs.</li></ul>\n<!-- /wp:list -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Making a police report is a good idea. Even though there’s no “suspect” for them to arrest or ticket, letting the police know about your accident proves to your insurance company that it happened.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"textColor\":\"black\",\"fontSize\":\"extra-large\"} -->\n<h2 class=\"has-black-color has-text-color has-extra-large-font-size\" id=\"mntl-sc-block_1-0-15\">Tips for Specific Types of Animals</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\" id=\"mntl-sc-block_1-0-17\">Handling different types of animal damage varies according to whether or not the animal has an owner. Pet owners are often held liable for animal accidents. Of course, wild animals such as deer don\'t have owners, but you may be asked about it when filing a claim. It is all a part of the process so that the claim can be filed accurately.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\"><strong>Deer</strong><br>Deer are easily the most common animals hit on U.S. roadways. Deer are large enough to do severe damage to your car and sometimes can even cause injury to the driver and passengers. It all depends on the vehicle\'s speed and type of vehicle. Because deer are so prevalent, it is a good idea to get a police report. Police reports come in especially handy if you recently purchased your car insurance policy or if you recently filed another deer claim. A police report will verify information about the accident to your insurance claim adjuster. Some insurance carriers do not require a police report; if you are unsure, check with your agent.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\"><strong>Dog</strong><br>Hitting a dog with your car is a little different when compared to hitting other animals because dogs usually have owners. Owners are responsible for damages caused by their dog when it has not been appropriately restrained. The standard procedure is for the dog owner\'s homeowners\' policy to cover the damage. However, if there is no home insurance, the dog owner would be held personally responsible.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Sometimes the owner would prefer to cover the damage out of pocket versus filing a claim. And other times, small claims court is required. It all depends on how the owner responds to the situation. If you cannot locate the dog\'s owner, your car insurance policy\'s comprehensive coverage will cover the damage.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\"><strong>Bird</strong><br>Often the only damage birds cause is to the windshield. Windshield coverage is also provided under comprehensive coverage. If you have a deductible, check around with local glass companies to see if they waive deductibles.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\"><strong>Raccoon</strong><br>A raccoon might seem small and harmless when it comes to a car accident, but it is still possible for them to do a lot of damage, depending on what kind of car you drive. If you hit a raccoon with your car and you drive a compact, be sure to get it checked out immediately. The animal is likely to have damaged the undercarriage, and that can severely affect your vehicle if left unfixed.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\"><strong>Cow</strong><br>As you can imagine, your car is likely to sustain substantial damage when hitting such a large animal. Similar to hitting a dog, the cow\'s owner would be responsible for any damages because the cow should not be in the roadway. It is possible to file a comprehensive claim under your car insurance policy and then have your insurance company subrogate the claim. This subrogation means the insurance carrier would go after the animal\'s owner. Your vehicle may be repaired sooner if you file the claim under your car insurance policy.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"textColor\":\"black\",\"fontSize\":\"extra-large\"} -->\n<h2 class=\"has-black-color has-text-color has-extra-large-font-size\" id=\"mntl-sc-block_1-0-47\">Comprehensive Coverage</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Your comprehensive coverage would cover animal damage not listed here, as well. Comprehensive is the one coverage that protects your vehicle against physical damage to your car, NOT involving a stationary object or another vehicle. You will also find comprehensive coverage to be helpful if you encounter storm damage, flying debris, fire, or theft.1﻿</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Check your car insurance policy to verify your coverage. Your declaration page should state comprehensive or other than collision on your policy if you have purchased this coverage.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p></p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"textColor\":\"black\",\"fontSize\":\"extra-large\"} -->\n<h2 class=\"has-black-color has-text-color has-extra-large-font-size\" id=\"mntl-sc-block_1-0-35\">Frequently Asked Questions (FAQs)</h2>\n<!-- /wp:heading -->\n\n<!-- wp:heading {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<h2 class=\"has-black-color has-text-color has-large-font-size\"><strong>What types of car insurance are there?</strong></h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Collision insurance covers damage caused by your car colliding with a vehicle or stationary object while you were driving, such as hitting another car or a mailbox. Comprehensive car insurance covers other types of damage, such as colliding with an animal or damage from vandalism or falling tree branches.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<h2 class=\"has-black-color has-text-color has-large-font-size\"><strong>How do I file a car insurance claim?</strong></h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">You will want to file a car insurance claim if someone was injured due to an accident or collision, if property was damaged, or if your vehicle was damaged. You can file a claim by contacting your insurance carrier, either by phone or through its website. If you file a claim through the website, an agent will call you to talk through the details and collect additional information.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>To read the full article,&nbsp;<a href=\"https://www.thebalance.com/car-accidents-caused-by-animals-527081\">click here</a>.</p>\n<!-- /wp:paragraph -->','Does Car Insurance Cover Animal Damage?','','inherit','closed','closed','','1817-revision-v1','','','2022-10-17 16:49:05','2022-10-17 16:49:05','',1817,'http://smartinsurance.tips/?p=2756',0,'revision','',0),(2755,1,'2022-10-17 16:47:52','2022-10-17 16:47:52','<!-- wp:image {\"id\":2752,\"sizeSlug\":\"full\",\"linkDestination\":\"none\"} -->\n<figure class=\"wp-block-image size-full\"><img src=\"http://smartinsurance.tips/wp-content/uploads/2022/10/Insurance-1-1.png\" alt=\"\" class=\"wp-image-2752\"/></figure>\n<!-- /wp:image -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">A lot of car accidents are caused by animals every year. Animals are unpredictable, and when they dart out from tall weeds, a home, or a nearby forest, they can be impossible to avoid. Some car insurance covers animal damage, and nearly all animal car accidents are handled the same by car insurance carriers.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\"><strong>Key takeaways: </strong></p>\n<!-- /wp:paragraph -->\n\n<!-- wp:list {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<ul class=\"has-black-color has-text-color has-large-font-size\"><li>If your car insurance policy includes comprehensive coverage, the entire cost of your animal car accident will likely be covered.</li><li>Handling different types of animal damage can vary depending on whether the animal has an owner.</li><li>Comprehensive coverage is also helpful if you encounter storm damage, flying debris, fire, or theft.</li><li>Check your declarations page to find out what types of coverage you have.</li></ul>\n<!-- /wp:list -->\n\n<!-- wp:heading {\"textColor\":\"black\",\"fontSize\":\"extra-large\"} -->\n<h2 class=\"has-black-color has-text-color has-extra-large-font-size\" id=\"mntl-sc-block_1-0-5\">Comprehensive Insurance Covers Animal Accidents</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\" id=\"mntl-sc-block_1-0-7\">Knowing what damage to look for and how to handle an insurance claim due to animal damage can save you both time and money.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:list {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<ul class=\"has-black-color has-text-color has-large-font-size\"><li>Your car insurance can potentially cover all animal car accidents if you have purchased comprehensive coverage. Take photos of the damage, and call your insurance agent if you need help filing the claim.</li><li>The cost of the damage must exceed your deductible. Otherwise, you will be on the hook for the full cost of repairs.</li></ul>\n<!-- /wp:list -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Making a police report is a good idea. Even though there’s no “suspect” for them to arrest or ticket, letting the police know about your accident proves to your insurance company that it happened.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"textColor\":\"black\",\"fontSize\":\"extra-large\"} -->\n<h2 class=\"has-black-color has-text-color has-extra-large-font-size\" id=\"mntl-sc-block_1-0-15\">Tips for Specific Types of Animals</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\" id=\"mntl-sc-block_1-0-17\">Handling different types of animal damage varies according to whether or not the animal has an owner. Pet owners are often held liable for animal accidents. Of course, wild animals such as deer don\'t have owners, but you may be asked about it when filing a claim. It is all a part of the process so that the claim can be filed accurately.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\"><strong>Deer</strong><br>Deer are easily the most common animals hit on U.S. roadways. Deer are large enough to do severe damage to your car and sometimes can even cause injury to the driver and passengers. It all depends on the vehicle\'s speed and type of vehicle. Because deer are so prevalent, it is a good idea to get a police report. Police reports come in especially handy if you recently purchased your car insurance policy or if you recently filed another deer claim. A police report will verify information about the accident to your insurance claim adjuster. Some insurance carriers do not require a police report; if you are unsure, check with your agent.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\"><strong>Dog</strong><br>Hitting a dog with your car is a little different when compared to hitting other animals because dogs usually have owners. Owners are responsible for damages caused by their dog when it has not been appropriately restrained. The standard procedure is for the dog owner\'s homeowners\' policy to cover the damage. However, if there is no home insurance, the dog owner would be held personally responsible.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Sometimes the owner would prefer to cover the damage out of pocket versus filing a claim. And other times, small claims court is required. It all depends on how the owner responds to the situation. If you cannot locate the dog\'s owner, your car insurance policy\'s comprehensive coverage will cover the damage.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\"><strong>Bird</strong><br>Often the only damage birds cause is to the windshield. Windshield coverage is also provided under comprehensive coverage. If you have a deductible, check around with local glass companies to see if they waive deductibles.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\"><strong>Raccoon</strong><br>A raccoon might seem small and harmless when it comes to a car accident, but it is still possible for them to do a lot of damage, depending on what kind of car you drive. If you hit a raccoon with your car and you drive a compact, be sure to get it checked out immediately. The animal is likely to have damaged the undercarriage, and that can severely affect your vehicle if left unfixed.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\"><strong>Cow</strong><br>As you can imagine, your car is likely to sustain substantial damage when hitting such a large animal. Similar to hitting a dog, the cow\'s owner would be responsible for any damages because the cow should not be in the roadway. It is possible to file a comprehensive claim under your car insurance policy and then have your insurance company subrogate the claim. This subrogation means the insurance carrier would go after the animal\'s owner. Your vehicle may be repaired sooner if you file the claim under your car insurance policy.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"textColor\":\"black\",\"fontSize\":\"extra-large\"} -->\n<h2 class=\"has-black-color has-text-color has-extra-large-font-size\" id=\"mntl-sc-block_1-0-47\">Comprehensive Coverage</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Your comprehensive coverage would cover animal damage not listed here, as well. Comprehensive is the one coverage that protects your vehicle against physical damage to your car, NOT involving a stationary object or another vehicle. You will also find comprehensive coverage to be helpful if you encounter storm damage, flying debris, fire, or theft.1﻿</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Check your car insurance policy to verify your coverage. Your declaration page should state comprehensive or other than collision on your policy if you have purchased this coverage.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>To read the full article,&nbsp;<a href=\"https://www.thebalance.com/car-accidents-caused-by-animals-527081\">click here</a>.</p>\n<!-- /wp:paragraph -->','Does Car Insurance Cover Animal Damage?','','inherit','closed','closed','','1817-revision-v1','','','2022-10-17 16:47:52','2022-10-17 16:47:52','',1817,'http://smartinsurance.tips/?p=2755',0,'revision','',0),(2757,1,'2022-10-17 17:02:10','2022-10-17 17:02:10','<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Liability and Insurance Claims When You Slide on Ice</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:image {\"id\":2758,\"sizeSlug\":\"full\",\"linkDestination\":\"none\"} -->\n<figure class=\"wp-block-image size-full\"><img src=\"http://smartinsurance.tips/wp-content/uploads/2022/10/Insurance-2.png\" alt=\"\" class=\"wp-image-2758\"/></figure>\n<!-- /wp:image -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\" id=\"mntl-sc-block_1-0\">Sliding on ice is a scary and frustrating situation. You might feel you\'re driving cautiously for the road conditions, but you can still lose control of your vehicle on ice. After an ice-related accident, ​you might wonder if car insurance will completely cover the damage. Learn how your insurance works in these situations.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3,\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<h3 class=\"has-black-color has-text-color has-large-font-size\" id=\"mntl-sc-block-callout-heading_1-0\"><strong>Key Takeaways</strong></h3>\n<!-- /wp:heading -->\n\n<!-- wp:list {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<ul class=\"has-black-color has-text-color has-large-font-size\"><li>Sliding on ice can cause serious damage, including bodily injuries and&nbsp;property damage.</li><li>You will likely be considered at fault if you slide on ice and hit something.</li><li>Icy roads are often worst on shaded streets and bridges.</li><li>An incident may be covered by insurance, but it depends on the type of damage that occurs after sliding on ice and whether or not the driver has the proper coverage.</li></ul>\n<!-- /wp:list -->\n\n<!-- wp:heading {\"textColor\":\"black\",\"fontSize\":\"extra-large\"} -->\n<h2 class=\"has-black-color has-text-color has-extra-large-font-size\" id=\"mntl-sc-block_1-0-3\">Types of Damage in Sliding-on-Ice Accidents</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\" id=\"mntl-sc-block_1-0-4\">Sliding on ice can cause several types of damage, and each one is covered differently.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3,\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<h3 class=\"has-black-color has-text-color has-large-font-size\" id=\"mntl-sc-block_1-0-6\"><strong>Injuries to Others</strong></h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\" id=\"mntl-sc-block_1-0-7\">If a party in another vehicle or a pedestrian is injured, your bodily injury liability coverage will cover their expenses, including medical bills and lost wages, up to your policy limits. Limits are listed per person/per accident, so if your policy says $25,000/$50,000, you have a limit of $25,000 per person and $50,000 per accident.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3,\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<h3 class=\"has-black-color has-text-color has-large-font-size\" id=\"mntl-sc-block_1-0-9\"><strong>Injuries to Yourself or Your Passengers</strong></h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\" id=\"mntl-sc-block_1-0-10\">Medical payments or personal injury protection (PIP) coverage applies to injuries to yourself and other passengers in your vehicle. This coverage is mandatory in some states, but not all.&nbsp;Some PIP policies cover lost income, rehabilitation costs, and other expenses related to recovery.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3} -->\n<h3 id=\"mntl-sc-block_1-0-12\"><strong>Damage to Your Vehicle</strong></h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\" id=\"mntl-sc-block_1-0-13\">Damage sustained by your vehicle after hitting a patch of ice will be covered if you have&nbsp;collision coverage. This coverage pays for repairs to your car (up to your policy limits) if you hit a guardrail, another vehicle, a mailbox, or any other inanimate object. Plan on paying your deductible before any claims are paid.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3,\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<h3 class=\"has-black-color has-text-color has-large-font-size\" id=\"mntl-sc-block_1-0-15\"><strong>Damage to Another Vehicle and Property</strong></h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\" id=\"mntl-sc-block_1-0-16\">In most states, property damage liability pays out whether the damage is to someone else\'s vehicle, a mailbox, or a stop sign. Most states require property damage liability coverage. California, Massachusetts, New Jersey, and Pennsylvania have the lowest minimum property damage coverage requirements at $5,000.&nbsp;In many cases, the minimum coverage may not be enough, and you\'re responsible for what\'s not covered by insurance.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3,\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<h3 class=\"has-black-color has-text-color has-large-font-size\" id=\"mntl-sc-block_1-0-18\"><strong>Towing Costs</strong></h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\" id=\"mntl-sc-block_1-0-19\">Sliding on the ice may result in needing a tow. Depending on your insurance policy, you may have coverage for a tow or to pull you out of the ditch. Call your insurance carrier to verify your coverage and find out who to call if you need to be towed. You may be able to file a claim on the spot and avoid paying any money out of pocket.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"textColor\":\"black\",\"fontSize\":\"extra-large\"} -->\n<h2 class=\"has-black-color has-text-color has-extra-large-font-size\" id=\"mntl-sc-block_1-0-22\">Who\'s at Fault in an Ice-Related Accident?</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\" id=\"mntl-sc-block_1-0-23\">If you slide on ice and hit another car or object, it\'s typically considered an&nbsp;at-fault claim&nbsp;by your insurance carrier. It doesn\'t matter if the police officer let you go without a ticket; your insurance company is going to decide that someone is at fault, and it\'s not going to be the ice. Driving too fast for the conditions is usually given as the reason. It often doesn\'t matter if you were driving at a snail\'s pace; being on the roadway is reason enough.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\" id=\"mntl-sc-block_1-0-25\">Many drivers feel they aren\'t at fault after sliding on ice. Your best defense against sliding on ice is staying off the road. If you do have to get out there, make sure to leave plenty of space between you and the car in front of you. Drive at a speed that gives you control over your vehicle. Don\'t slam the brakes, and learn how to maneuver out of a skid.​</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"textColor\":\"black\",\"fontSize\":\"extra-large\"} -->\n<h2 class=\"has-black-color has-text-color has-extra-large-font-size\" id=\"mntl-sc-block_1-0-27\">How To Safely Drive on Icy Roads?</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\" id=\"mntl-sc-block_1-0-28\">It can be challenging to avoid sliding on ice, but some strategies will reduce your risk of sliding around and your chances of having to file an insurance claim.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3,\"textColor\":\"black\",\"fontSize\":\"extra-large\"} -->\n<h3 class=\"has-black-color has-text-color has-extra-large-font-size\" id=\"mntl-sc-block_1-0-30\">Can I Prevent Ice Accidents?</h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\" id=\"mntl-sc-block_1-0-31\">You\'re most likely to encounter ice early in the morning and late at night. During those times, the sun can\'t melt ice on the roads and you can\'t see it well. Keep a lookout if you\'re driving through a shaded area during the day as well. Additionally, bridges are more easily cooled by air passing underneath them and are more prone to freezing.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\" id=\"mntl-sc-block_1-0-33\">Black ice can form on the roads at temperatures at or below 32 degrees Fahrenheit, but it is most likely to occur when it\'s raining or sleeting, and the falling water hits the frozen ground.&nbsp;If you know what types of weather conditions to look for, you can better prepare for dangerous conditions.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3,\"textColor\":\"black\",\"fontSize\":\"extra-large\"} -->\n<h3 class=\"has-black-color has-text-color has-extra-large-font-size\" id=\"mntl-sc-block_1-0-35\">How Can I Avoid Accidents if There\'s Black Ice?</h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\" id=\"mntl-sc-block_1-0-36\">When there\'s ice on the road, you should also exercise extra caution with speed. Note that any acceleration or deceleration (including putting on the brakes) may not go as planned, so you should keep a buffer of space around you.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p></p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"textColor\":\"black\",\"fontSize\":\"extra-large\"} -->\n<h2 class=\"has-black-color has-text-color has-extra-large-font-size\" id=\"mntl-sc-block_1-0-41\">Frequently Asked Questions (FAQs)</h2>\n<!-- /wp:heading -->\n\n<!-- wp:heading {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<h2 class=\"has-black-color has-text-color has-large-font-size\"><strong>How fast can I drive on black ice?</strong></h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">If you\'re driving on black ice, keep in mind that you may lose control of your vehicle at any time. Your brakes and tires may have no control in this driving environment. So consider your surroundings and ask yourself how fast you want to be going if you were to lose control and&nbsp;veer off the road, or into a semi-truck in the next lane. Standard practice on most highways in stormy weather is to stay below 45 mph, but check in with your comfort level, since this is a cap and not a floor.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<h2 class=\"has-black-color has-text-color has-large-font-size\"><strong>What is black ice exactly?</strong></h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">If you live in a warm climate or haven\'t spent much time driving in winter conditions, the term \"black ice\" may be new to you. Simply put, it\'s a thin layer of ice that forms on top of the road as a result of flash freezing (like rain or spilt water over a below-freezing-point stretch of asphalt). Black ice can be especially&nbsp;dangerous to drive&nbsp;on because it is hard to detect by sight and because it creates a slick surface with very little friction for vehicles to brake.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p></p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>To read the full article,&nbsp;<a href=\"https://www.thebalancemoney.com/sliding-on-ice-and-car-insurance-claims-527124\">click here</a>.</p>\n<!-- /wp:paragraph -->','Who\'s At Fault in Accidents Caused by Black Ice?','','publish','closed','closed','','whos-at-fault-in-accidents-caused-by-black-ice','','','2022-10-17 22:46:24','2022-10-17 22:46:24','',0,'http://smartinsurance.tips/?p=2757',0,'post','',0),(2758,1,'2022-10-17 16:51:52','2022-10-17 16:51:52','','Insurance-2','','inherit','closed','closed','','insurance-2-7','','','2022-10-17 16:51:52','2022-10-17 16:51:52','',2757,'http://smartinsurance.tips/wp-content/uploads/2022/10/Insurance-2.png',0,'attachment','image/png',0),(2771,1,'2022-10-17 22:46:24','2022-10-17 22:46:24','<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Liability and Insurance Claims When You Slide on Ice</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:image {\"id\":2758,\"sizeSlug\":\"full\",\"linkDestination\":\"none\"} -->\n<figure class=\"wp-block-image size-full\"><img src=\"http://smartinsurance.tips/wp-content/uploads/2022/10/Insurance-2.png\" alt=\"\" class=\"wp-image-2758\"/></figure>\n<!-- /wp:image -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\" id=\"mntl-sc-block_1-0\">Sliding on ice is a scary and frustrating situation. You might feel you\'re driving cautiously for the road conditions, but you can still lose control of your vehicle on ice. After an ice-related accident, ​you might wonder if car insurance will completely cover the damage. Learn how your insurance works in these situations.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3,\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<h3 class=\"has-black-color has-text-color has-large-font-size\" id=\"mntl-sc-block-callout-heading_1-0\"><strong>Key Takeaways</strong></h3>\n<!-- /wp:heading -->\n\n<!-- wp:list {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<ul class=\"has-black-color has-text-color has-large-font-size\"><li>Sliding on ice can cause serious damage, including bodily injuries and&nbsp;property damage.</li><li>You will likely be considered at fault if you slide on ice and hit something.</li><li>Icy roads are often worst on shaded streets and bridges.</li><li>An incident may be covered by insurance, but it depends on the type of damage that occurs after sliding on ice and whether or not the driver has the proper coverage.</li></ul>\n<!-- /wp:list -->\n\n<!-- wp:heading {\"textColor\":\"black\",\"fontSize\":\"extra-large\"} -->\n<h2 class=\"has-black-color has-text-color has-extra-large-font-size\" id=\"mntl-sc-block_1-0-3\">Types of Damage in Sliding-on-Ice Accidents</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\" id=\"mntl-sc-block_1-0-4\">Sliding on ice can cause several types of damage, and each one is covered differently.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3,\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<h3 class=\"has-black-color has-text-color has-large-font-size\" id=\"mntl-sc-block_1-0-6\"><strong>Injuries to Others</strong></h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\" id=\"mntl-sc-block_1-0-7\">If a party in another vehicle or a pedestrian is injured, your bodily injury liability coverage will cover their expenses, including medical bills and lost wages, up to your policy limits. Limits are listed per person/per accident, so if your policy says $25,000/$50,000, you have a limit of $25,000 per person and $50,000 per accident.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3,\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<h3 class=\"has-black-color has-text-color has-large-font-size\" id=\"mntl-sc-block_1-0-9\"><strong>Injuries to Yourself or Your Passengers</strong></h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\" id=\"mntl-sc-block_1-0-10\">Medical payments or personal injury protection (PIP) coverage applies to injuries to yourself and other passengers in your vehicle. This coverage is mandatory in some states, but not all.&nbsp;Some PIP policies cover lost income, rehabilitation costs, and other expenses related to recovery.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3} -->\n<h3 id=\"mntl-sc-block_1-0-12\"><strong>Damage to Your Vehicle</strong></h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\" id=\"mntl-sc-block_1-0-13\">Damage sustained by your vehicle after hitting a patch of ice will be covered if you have&nbsp;collision coverage. This coverage pays for repairs to your car (up to your policy limits) if you hit a guardrail, another vehicle, a mailbox, or any other inanimate object. Plan on paying your deductible before any claims are paid.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3,\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<h3 class=\"has-black-color has-text-color has-large-font-size\" id=\"mntl-sc-block_1-0-15\"><strong>Damage to Another Vehicle and Property</strong></h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\" id=\"mntl-sc-block_1-0-16\">In most states, property damage liability pays out whether the damage is to someone else\'s vehicle, a mailbox, or a stop sign. Most states require property damage liability coverage. California, Massachusetts, New Jersey, and Pennsylvania have the lowest minimum property damage coverage requirements at $5,000.&nbsp;In many cases, the minimum coverage may not be enough, and you\'re responsible for what\'s not covered by insurance.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3,\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<h3 class=\"has-black-color has-text-color has-large-font-size\" id=\"mntl-sc-block_1-0-18\"><strong>Towing Costs</strong></h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\" id=\"mntl-sc-block_1-0-19\">Sliding on the ice may result in needing a tow. Depending on your insurance policy, you may have coverage for a tow or to pull you out of the ditch. Call your insurance carrier to verify your coverage and find out who to call if you need to be towed. You may be able to file a claim on the spot and avoid paying any money out of pocket.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"textColor\":\"black\",\"fontSize\":\"extra-large\"} -->\n<h2 class=\"has-black-color has-text-color has-extra-large-font-size\" id=\"mntl-sc-block_1-0-22\">Who\'s at Fault in an Ice-Related Accident?</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\" id=\"mntl-sc-block_1-0-23\">If you slide on ice and hit another car or object, it\'s typically considered an&nbsp;at-fault claim&nbsp;by your insurance carrier. It doesn\'t matter if the police officer let you go without a ticket; your insurance company is going to decide that someone is at fault, and it\'s not going to be the ice. Driving too fast for the conditions is usually given as the reason. It often doesn\'t matter if you were driving at a snail\'s pace; being on the roadway is reason enough.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\" id=\"mntl-sc-block_1-0-25\">Many drivers feel they aren\'t at fault after sliding on ice. Your best defense against sliding on ice is staying off the road. If you do have to get out there, make sure to leave plenty of space between you and the car in front of you. Drive at a speed that gives you control over your vehicle. Don\'t slam the brakes, and learn how to maneuver out of a skid.​</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"textColor\":\"black\",\"fontSize\":\"extra-large\"} -->\n<h2 class=\"has-black-color has-text-color has-extra-large-font-size\" id=\"mntl-sc-block_1-0-27\">How To Safely Drive on Icy Roads?</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\" id=\"mntl-sc-block_1-0-28\">It can be challenging to avoid sliding on ice, but some strategies will reduce your risk of sliding around and your chances of having to file an insurance claim.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3,\"textColor\":\"black\",\"fontSize\":\"extra-large\"} -->\n<h3 class=\"has-black-color has-text-color has-extra-large-font-size\" id=\"mntl-sc-block_1-0-30\">Can I Prevent Ice Accidents?</h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\" id=\"mntl-sc-block_1-0-31\">You\'re most likely to encounter ice early in the morning and late at night. During those times, the sun can\'t melt ice on the roads and you can\'t see it well. Keep a lookout if you\'re driving through a shaded area during the day as well. Additionally, bridges are more easily cooled by air passing underneath them and are more prone to freezing.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\" id=\"mntl-sc-block_1-0-33\">Black ice can form on the roads at temperatures at or below 32 degrees Fahrenheit, but it is most likely to occur when it\'s raining or sleeting, and the falling water hits the frozen ground.&nbsp;If you know what types of weather conditions to look for, you can better prepare for dangerous conditions.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3,\"textColor\":\"black\",\"fontSize\":\"extra-large\"} -->\n<h3 class=\"has-black-color has-text-color has-extra-large-font-size\" id=\"mntl-sc-block_1-0-35\">How Can I Avoid Accidents if There\'s Black Ice?</h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\" id=\"mntl-sc-block_1-0-36\">When there\'s ice on the road, you should also exercise extra caution with speed. Note that any acceleration or deceleration (including putting on the brakes) may not go as planned, so you should keep a buffer of space around you.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p></p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"textColor\":\"black\",\"fontSize\":\"extra-large\"} -->\n<h2 class=\"has-black-color has-text-color has-extra-large-font-size\" id=\"mntl-sc-block_1-0-41\">Frequently Asked Questions (FAQs)</h2>\n<!-- /wp:heading -->\n\n<!-- wp:heading {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<h2 class=\"has-black-color has-text-color has-large-font-size\"><strong>How fast can I drive on black ice?</strong></h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">If you\'re driving on black ice, keep in mind that you may lose control of your vehicle at any time. Your brakes and tires may have no control in this driving environment. So consider your surroundings and ask yourself how fast you want to be going if you were to lose control and&nbsp;veer off the road, or into a semi-truck in the next lane. Standard practice on most highways in stormy weather is to stay below 45 mph, but check in with your comfort level, since this is a cap and not a floor.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<h2 class=\"has-black-color has-text-color has-large-font-size\"><strong>What is black ice exactly?</strong></h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">If you live in a warm climate or haven\'t spent much time driving in winter conditions, the term \"black ice\" may be new to you. Simply put, it\'s a thin layer of ice that forms on top of the road as a result of flash freezing (like rain or spilt water over a below-freezing-point stretch of asphalt). Black ice can be especially&nbsp;dangerous to drive&nbsp;on because it is hard to detect by sight and because it creates a slick surface with very little friction for vehicles to brake.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p></p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>To read the full article,&nbsp;<a href=\"https://www.thebalancemoney.com/sliding-on-ice-and-car-insurance-claims-527124\">click here</a>.</p>\n<!-- /wp:paragraph -->','Who\'s At Fault in Accidents Caused by Black Ice?','','inherit','closed','closed','','2757-revision-v1','','','2022-10-17 22:46:24','2022-10-17 22:46:24','',2757,'http://smartinsurance.tips/?p=2771',0,'revision','',0),(2759,1,'2022-10-17 17:02:10','2022-10-17 17:02:10','<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Liability and Insurance Claims When You Slide on Ice</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:image {\"id\":2758,\"sizeSlug\":\"full\",\"linkDestination\":\"none\"} -->\n<figure class=\"wp-block-image size-full\"><img src=\"http://smartinsurance.tips/wp-content/uploads/2022/10/Insurance-2.png\" alt=\"\" class=\"wp-image-2758\"/></figure>\n<!-- /wp:image -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\" id=\"mntl-sc-block_1-0\">Sliding on ice is a scary and frustrating situation. You might feel you\'re driving cautiously for the road conditions, but you can still lose control of your vehicle on ice. After an ice-related accident, ​you might wonder if car insurance will completely cover the damage. Learn how your insurance works in these situations.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3,\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<h3 class=\"has-black-color has-text-color has-large-font-size\" id=\"mntl-sc-block-callout-heading_1-0\"><strong>Key Takeaways</strong></h3>\n<!-- /wp:heading -->\n\n<!-- wp:list {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<ul class=\"has-black-color has-text-color has-large-font-size\"><li>Sliding on ice can cause serious damage, including bodily injuries and property damage.</li><li>You will likely be considered at fault if you slide on ice and hit something.</li><li>Icy roads are often worst on shaded streets and bridges.</li><li>An incident may be covered by insurance, but it depends on the type of damage that occurs after sliding on ice and whether or not the driver has the proper coverage.</li></ul>\n<!-- /wp:list -->\n\n<!-- wp:heading {\"textColor\":\"black\",\"fontSize\":\"extra-large\"} -->\n<h2 class=\"has-black-color has-text-color has-extra-large-font-size\" id=\"mntl-sc-block_1-0-3\">Types of Damage in Sliding-on-Ice Accidents</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\" id=\"mntl-sc-block_1-0-4\">Sliding on ice can cause several types of damage, and each one is covered differently.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3,\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<h3 class=\"has-black-color has-text-color has-large-font-size\" id=\"mntl-sc-block_1-0-6\"><strong>Injuries to Others</strong></h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\" id=\"mntl-sc-block_1-0-7\">If a party in another vehicle or a pedestrian is injured, your bodily injury liability coverage will cover their expenses, including medical bills and lost wages, up to your policy limits. Limits are listed per person/per accident, so if your policy says $25,000/$50,000, you have a limit of $25,000 per person and $50,000 per accident.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3,\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<h3 class=\"has-black-color has-text-color has-large-font-size\" id=\"mntl-sc-block_1-0-9\"><strong>Injuries to Yourself or Your Passengers</strong></h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\" id=\"mntl-sc-block_1-0-10\">Medical payments or personal injury protection (PIP) coverage applies to injuries to yourself and other passengers in your vehicle. This coverage is mandatory in some states, but not all. Some PIP policies cover lost income, rehabilitation costs, and other expenses related to recovery.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3} -->\n<h3 id=\"mntl-sc-block_1-0-12\"><strong>Damage to Your Vehicle</strong></h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\" id=\"mntl-sc-block_1-0-13\">Damage sustained by your vehicle after hitting a patch of ice will be covered if you have collision coverage. This coverage pays for repairs to your car (up to your policy limits) if you hit a guardrail, another vehicle, a mailbox, or any other inanimate object. Plan on paying your deductible before any claims are paid.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3,\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<h3 class=\"has-black-color has-text-color has-large-font-size\" id=\"mntl-sc-block_1-0-15\"><strong>Damage to Another Vehicle and Property</strong></h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\" id=\"mntl-sc-block_1-0-16\">In most states, property damage liability pays out whether the damage is to someone else\'s vehicle, a mailbox, or a stop sign. Most states require property damage liability coverage. California, Massachusetts, New Jersey, and Pennsylvania have the lowest minimum property damage coverage requirements at $5,000. In many cases, the minimum coverage may not be enough, and you\'re responsible for what\'s not covered by insurance.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3,\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<h3 class=\"has-black-color has-text-color has-large-font-size\" id=\"mntl-sc-block_1-0-18\"><strong>Towing Costs</strong></h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\" id=\"mntl-sc-block_1-0-19\">Sliding on the ice may result in needing a tow. Depending on your insurance policy, you may have coverage for a tow or to pull you out of the ditch. Call your insurance carrier to verify your coverage and find out who to call if you need to be towed. You may be able to file a claim on the spot and avoid paying any money out of pocket.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3,\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<h3 class=\"has-black-color has-text-color has-large-font-size\" id=\"mntl-sc-block-callout-heading_1-0-1\"><strong>Note</strong></h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">If you get stuck in the snow, AAA recommends staying with your vehicle, tying a brightly colored cloth to your antenna for visibility, and clearing your exhaust pipe of any snow, ice, or mud.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"textColor\":\"black\",\"fontSize\":\"extra-large\"} -->\n<h2 class=\"has-black-color has-text-color has-extra-large-font-size\" id=\"mntl-sc-block_1-0-22\">Who\'s at Fault in an Ice-Related Accident?</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\" id=\"mntl-sc-block_1-0-23\">If you slide on ice and hit another car or object, it\'s typically considered an at-fault claim by your insurance carrier. It doesn\'t matter if the police officer let you go without a ticket; your insurance company is going to decide that someone is at fault, and it\'s not going to be the ice. Driving too fast for the conditions is usually given as the reason. It often doesn\'t matter if you were driving at a snail\'s pace; being on the roadway is reason enough.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\" id=\"mntl-sc-block_1-0-25\">Many drivers feel they aren\'t at fault after sliding on ice. Your best defense against sliding on ice is staying off the road. If you do have to get out there, make sure to leave plenty of space between you and the car in front of you. Drive at a speed that gives you control over your vehicle. Don\'t slam the brakes, and learn how to maneuver out of a skid.​</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"textColor\":\"black\",\"fontSize\":\"extra-large\"} -->\n<h2 class=\"has-black-color has-text-color has-extra-large-font-size\" id=\"mntl-sc-block_1-0-27\">How To Safely Drive on Icy Roads?</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\" id=\"mntl-sc-block_1-0-28\">It can be challenging to avoid sliding on ice, but some strategies will reduce your risk of sliding around and your chances of having to file an insurance claim.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3,\"textColor\":\"black\",\"fontSize\":\"extra-large\"} -->\n<h3 class=\"has-black-color has-text-color has-extra-large-font-size\" id=\"mntl-sc-block_1-0-30\">Can I Prevent Ice Accidents?</h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\" id=\"mntl-sc-block_1-0-31\">You\'re most likely to encounter ice early in the morning and late at night. During those times, the sun can\'t melt ice on the roads and you can\'t see it well. Keep a lookout if you\'re driving through a shaded area during the day as well. Additionally, bridges are more easily cooled by air passing underneath them and are more prone to freezing.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\" id=\"mntl-sc-block_1-0-33\">Black ice can form on the roads at temperatures at or below 32 degrees Fahrenheit, but it is most likely to occur when it\'s raining or sleeting, and the falling water hits the frozen ground. If you know what types of weather conditions to look for, you can better prepare for dangerous conditions.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3,\"textColor\":\"black\",\"fontSize\":\"extra-large\"} -->\n<h3 class=\"has-black-color has-text-color has-extra-large-font-size\" id=\"mntl-sc-block_1-0-35\">How Can I Avoid Accidents if There\'s Black Ice?</h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\" id=\"mntl-sc-block_1-0-36\">When there\'s ice on the road, you should also exercise extra caution with speed. Note that any acceleration or deceleration (including putting on the brakes) may not go as planned, so you should keep a buffer of space around you.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3,\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<h3 class=\"has-black-color has-text-color has-large-font-size\" id=\"mntl-sc-block-callout-heading_1-0-2\"><strong>Note</strong></h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">AAA recommends keeping a following distance of 5 to 6 seconds in winter conditions.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\" id=\"mntl-sc-block_1-0-39\">If you do find yourself sliding, resist the urge to do anything drastic. The less you jerk the wheel and pump the brakes, the greater your chances of surviving the slide without hurting others or yourself.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p></p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"textColor\":\"black\",\"fontSize\":\"extra-large\"} -->\n<h2 class=\"has-black-color has-text-color has-extra-large-font-size\" id=\"mntl-sc-block_1-0-41\">Frequently Asked Questions (FAQs)</h2>\n<!-- /wp:heading -->\n\n<!-- wp:heading {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<h2 class=\"has-black-color has-text-color has-large-font-size\"><strong>How fast can I drive on black ice?</strong></h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">If you\'re driving on black ice, keep in mind that you may lose control of your vehicle at any time. Your brakes and tires may have no control in this driving environment. So consider your surroundings and ask yourself how fast you want to be going if you were to lose control and veer off the road, or into a semi-truck in the next lane. Standard practice on most highways in stormy weather is to stay below 45 mph, but check in with your comfort level, since this is a cap and not a floor.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<h2 class=\"has-black-color has-text-color has-large-font-size\"><strong>What is black ice exactly?</strong></h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">If you live in a warm climate or haven\'t spent much time driving in winter conditions, the term \"black ice\" may be new to you. Simply put, it\'s a thin layer of ice that forms on top of the road as a result of flash freezing (like rain or spilt water over a below-freezing-point stretch of asphalt). Black ice can be especially dangerous to drive on because it is hard to detect by sight and because it creates a slick surface with very little friction for vehicles to brake.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p></p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>To read the full article, <a href=\"https://www.thebalancemoney.com/sliding-on-ice-and-car-insurance-claims-527124\">click here</a>.</p>\n<!-- /wp:paragraph -->','Who\'s At Fault in Accidents Caused by Black Ice?','','inherit','closed','closed','','2757-revision-v1','','','2022-10-17 17:02:10','2022-10-17 17:02:10','',2757,'http://smartinsurance.tips/?p=2759',0,'revision','',0),(2760,1,'2022-10-17 21:26:53','2022-10-17 21:26:53','<!-- wp:image {\"id\":2761,\"sizeSlug\":\"full\",\"linkDestination\":\"none\"} -->\n<figure class=\"wp-block-image size-full\"><img src=\"http://smartinsurance.tips/wp-content/uploads/2022/10/Insurance-3.jpg\" alt=\"\" class=\"wp-image-2761\"/></figure>\n<!-- /wp:image -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Rear-end collisions accounted for 32.5% of all motor vehicle collisions in 2019, according to the National Highway Traffic Safety Administration (NHTSA). They were more common than any other type of crash and were responsible for around 7% of all accident fatalities and 31.1% of injuries.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">If you were involved in a rear-end collision, it’s helpful to understand how these types of situations are resolved and what your rights may be to obtain compensation post crash.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"textColor\":\"black\",\"fontSize\":\"extra-large\"} -->\n<h2 class=\"has-black-color has-text-color has-extra-large-font-size\">Rear-End Collision Settlement Examples</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">In most states, a driver who is responsible for causing a rear-end car accident is responsible for covering damages that victims experience as a result of the crash. This includes providing compensation for:</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:list {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<ul class=\"has-black-color has-text-color has-large-font-size\"><li>Medical bills</li><li>Lost wages resulting from a personal injury</li><li>Pain and suffering</li><li>Property damage</li></ul>\n<!-- /wp:list -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">In some situations, the parties in the crash go to court to determine who is at fault for the crash and how much compensation is appropriate. But many rear-end accident cases are settled outside of court. That’s because fault is usually clear—the driver in the rear is typically to blame—and because injuries are often not that severe.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Accident victims should make sure they are fully compensated for losses before settling. Federal Highway Administration data from 2018 revealed comprehensive costs of a rear-end vehicle accident at a signalized intersection averaged $26,700. Since costs have increased since this report, accident victims today likely will receive even more substantial compensation.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">While reviewing rear-end collision settlement examples can be helpful, ultimately the appropriate amount of compensation for each victim is based on the extent of damage experienced.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"textColor\":\"black\",\"fontSize\":\"extra-large\"} -->\n<h2 class=\"has-black-color has-text-color has-extra-large-font-size\">Establishing Fault for Rear-End Accidents</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Because the driver who is responsible for a crash is generally required to cover the accident victim’s costs, it’s important to establish rear-end collision fault after any collision that occurs.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">In most cases, the driver of the rear vehicle is considered to be at fault for causing the crash. This is the default assumption because drivers are expected to maintain a safe following distance. Most states say a safe following distance is four seconds between the time a front vehicle and a rear vehicle pass the same object.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">If drivers in the rear hit a vehicle in front of them, it’s assumed they failed to maintain the appropriate amount of space and/or failed to pay careful attention to see that the lead driver was slowing or stopping. Because of these assumed failures, rear drivers are considered liable unless proven otherwise.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"textColor\":\"black\",\"fontSize\":\"extra-large\"} -->\n<h2 class=\"has-black-color has-text-color has-extra-large-font-size\">Negligence in Rear-End Collisions</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Drivers are held accountable for crashes they cause because when a person is considered “negligent” in the eyes of the law, they must compensate those who are harmed because of their negligence.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Negligence is defined as a failure to use the same degree of care that a reasonable person would use under the same circumstances. Drivers have an obligation to other motorists to be careful behind the wheel, which means:</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:list {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<ul class=\"has-black-color has-text-color has-large-font-size\"><li>Following the rules of the road</li><li>Paying careful attention to other vehicles</li><li>Maintaining a safe following distance</li><li>Keeping to a safe speed</li><li>Maintaining control of the vehicle at all times</li></ul>\n<!-- /wp:list -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Drivers who don’t fulfill any of these obligations are considered legally negligent. In the case of a rear-end crash, the very fact that the driver hit the lead vehicle from the rear is prima facie evidence of negligence. Prima facie is a legal term that means “at first glance” or until proven otherwise.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"textColor\":\"black\",\"fontSize\":\"extra-large\"} -->\n<h2 class=\"has-black-color has-text-color has-extra-large-font-size\">Comparative Negligence vs. Contributory Negligence</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Although the assumption is that the driver in the rear is at fault for a rear-end crash, sometimes the motorist in the front car could share some blame as well. This could affect rear-end collision fault and could thus affect any compensation that accident victims are entitled to.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">If the driver in the front vehicle stopped short or cut someone off, it will be important to assess the level of blame to attribute to them. It’s also important to determine if the laws in the state where the accident took place subscribe to contributory negligence or comparative negligence rules.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3,\"textColor\":\"black\",\"fontSize\":\"extra-large\"} -->\n<h3 class=\"has-black-color has-text-color has-extra-large-font-size\">Contributory Negligence</h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">In a small number of states, contributory negligence rules apply when determining who is responsible for losses after an accident. Under contributory negligence rules, if a motorist contributed in any way to causing an accident, that motorist cannot recover any compensation.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">This would mean if the driver of the lead vehicle was even 1% to blame for causing a rear-end crash, they would be entitled to no compensation at all—even if the driver of the rear vehicle was 99% at fault.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3,\"textColor\":\"black\",\"fontSize\":\"extra-large\"} -->\n<h3 class=\"has-black-color has-text-color has-extra-large-font-size\">Comparative Negligence</h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Comparative negligence is a far more common approach in accident cases. Under comparative negligence rules, if a driver is partially to blame for causing a crash, they can still recover partial compensation. For example, if the driver of the front car was found to be 10% at fault and sustained $100,000 in damages, the driver in the rear vehicle would be responsible for covering 90% of losses because they were 90% to blame.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Some states have pure comparative negligence rules, which means an accident victim can recover compensation from another motorist regardless of what level of culpability the victim shares. In these states, if the lead driver was 70% at fault for the crash, he could still recover compensation for 30% of his losses from the motorist in the rear vehicle.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Other states have modified comparative negligence rules. These allow the accident victim to obtain compensation only if the other motorist was at least 51% to blame. Here are some rear-end collision settlement examples when modified comparative negligence rules apply:</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:list {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<ul class=\"has-black-color has-text-color has-large-font-size\"><li>If driver A is either 50% or 51% (The specific percentage depends on state rules) responsible for the crash, driver A cannot recover any compensation from driver B.</li><li>If driver A is less than 50% or 51% responsible, driver A can recover partial compensation. If driver A was 30% responsible, they would be able to collect 70% of damages from driver B. If driver A was 10% responsible, they would be able to collect 90% of damages from driver B.</li></ul>\n<!-- /wp:list -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Determining rear-end collision fault can be complicated in cases where both parties were partly to blame. Insurance companies may determine what amount of fault they are willing to accept and make a settlement offer based on this assessment. But if the accident victim doesn’t agree with this determination, the car accident case could end up in court.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"textColor\":\"black\",\"fontSize\":\"extra-large\"} -->\n<h2 class=\"has-black-color has-text-color has-extra-large-font-size\">Common Injuries From Rear-End Accidents</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Many different types of injuries can occur in rear-end accidents. Some of the most common injuries include:</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:list {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<ul class=\"has-black-color has-text-color has-large-font-size\"><li>Neck injuries such as whiplash</li><li>Back injuries including sprains and strains</li><li>Spinal fractures or disc injuries</li></ul>\n<!-- /wp:list -->\n\n<!-- wp:heading {\"textColor\":\"black\",\"fontSize\":\"extra-large\"} -->\n<h2 class=\"has-black-color has-text-color has-extra-large-font-size\">Getting Compensation After a Rear-End Accident</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Rear-end accidents are common and can cause tens of thousands of dollars in damages. Accident victims should review rear-end collision settlement examples and understand the rules for rear-end collision fault so they can make informed decisions about their rights.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Often, it’s a good idea to talk with an experienced attorney about options as well—especially before settling a case. An attorney can negotiate with the insurance company on your behalf if you have been hurt in a rear-end collision or can provide assistance with pursuing a civil lawsuit if the insurer does not agree to provide enough compensation for damages.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p></p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>To read the full article, <a href=\"https://www.forbes.com/advisor/legal/auto-accident/rear-end-collision/\">click here</a>.</p>\n<!-- /wp:paragraph -->','Rear-End Collisions: Fault & Compensation Explained','','publish','closed','closed','','rear-end-collisions-fault-compensation-explained','','','2022-10-17 21:26:53','2022-10-17 21:26:53','',0,'http://smartinsurance.tips/?p=2760',0,'post','',0),(2761,1,'2022-10-17 21:22:34','2022-10-17 21:22:34','','Insurance-3','','inherit','closed','closed','','insurance-3-4','','','2022-10-17 21:22:34','2022-10-17 21:22:34','',2760,'http://smartinsurance.tips/wp-content/uploads/2022/10/Insurance-3.jpg',0,'attachment','image/jpeg',0),(2762,1,'2022-10-17 21:26:53','2022-10-17 21:26:53','<!-- wp:image {\"id\":2761,\"sizeSlug\":\"full\",\"linkDestination\":\"none\"} -->\n<figure class=\"wp-block-image size-full\"><img src=\"http://smartinsurance.tips/wp-content/uploads/2022/10/Insurance-3.jpg\" alt=\"\" class=\"wp-image-2761\"/></figure>\n<!-- /wp:image -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Rear-end collisions accounted for 32.5% of all motor vehicle collisions in 2019, according to the National Highway Traffic Safety Administration (NHTSA). They were more common than any other type of crash and were responsible for around 7% of all accident fatalities and 31.1% of injuries.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">If you were involved in a rear-end collision, it’s helpful to understand how these types of situations are resolved and what your rights may be to obtain compensation post crash.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"textColor\":\"black\",\"fontSize\":\"extra-large\"} -->\n<h2 class=\"has-black-color has-text-color has-extra-large-font-size\">Rear-End Collision Settlement Examples</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">In most states, a driver who is responsible for causing a rear-end car accident is responsible for covering damages that victims experience as a result of the crash. This includes providing compensation for:</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:list {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<ul class=\"has-black-color has-text-color has-large-font-size\"><li>Medical bills</li><li>Lost wages resulting from a personal injury</li><li>Pain and suffering</li><li>Property damage</li></ul>\n<!-- /wp:list -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">In some situations, the parties in the crash go to court to determine who is at fault for the crash and how much compensation is appropriate. But many rear-end accident cases are settled outside of court. That’s because fault is usually clear—the driver in the rear is typically to blame—and because injuries are often not that severe.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Accident victims should make sure they are fully compensated for losses before settling. Federal Highway Administration data from 2018 revealed comprehensive costs of a rear-end vehicle accident at a signalized intersection averaged $26,700. Since costs have increased since this report, accident victims today likely will receive even more substantial compensation.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">While reviewing rear-end collision settlement examples can be helpful, ultimately the appropriate amount of compensation for each victim is based on the extent of damage experienced.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"textColor\":\"black\",\"fontSize\":\"extra-large\"} -->\n<h2 class=\"has-black-color has-text-color has-extra-large-font-size\">Establishing Fault for Rear-End Accidents</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Because the driver who is responsible for a crash is generally required to cover the accident victim’s costs, it’s important to establish rear-end collision fault after any collision that occurs.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">In most cases, the driver of the rear vehicle is considered to be at fault for causing the crash. This is the default assumption because drivers are expected to maintain a safe following distance. Most states say a safe following distance is four seconds between the time a front vehicle and a rear vehicle pass the same object.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">If drivers in the rear hit a vehicle in front of them, it’s assumed they failed to maintain the appropriate amount of space and/or failed to pay careful attention to see that the lead driver was slowing or stopping. Because of these assumed failures, rear drivers are considered liable unless proven otherwise.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"textColor\":\"black\",\"fontSize\":\"extra-large\"} -->\n<h2 class=\"has-black-color has-text-color has-extra-large-font-size\">Negligence in Rear-End Collisions</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Drivers are held accountable for crashes they cause because when a person is considered “negligent” in the eyes of the law, they must compensate those who are harmed because of their negligence.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Negligence is defined as a failure to use the same degree of care that a reasonable person would use under the same circumstances. Drivers have an obligation to other motorists to be careful behind the wheel, which means:</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:list {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<ul class=\"has-black-color has-text-color has-large-font-size\"><li>Following the rules of the road</li><li>Paying careful attention to other vehicles</li><li>Maintaining a safe following distance</li><li>Keeping to a safe speed</li><li>Maintaining control of the vehicle at all times</li></ul>\n<!-- /wp:list -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Drivers who don’t fulfill any of these obligations are considered legally negligent. In the case of a rear-end crash, the very fact that the driver hit the lead vehicle from the rear is prima facie evidence of negligence. Prima facie is a legal term that means “at first glance” or until proven otherwise.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"textColor\":\"black\",\"fontSize\":\"extra-large\"} -->\n<h2 class=\"has-black-color has-text-color has-extra-large-font-size\">Comparative Negligence vs. Contributory Negligence</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Although the assumption is that the driver in the rear is at fault for a rear-end crash, sometimes the motorist in the front car could share some blame as well. This could affect rear-end collision fault and could thus affect any compensation that accident victims are entitled to.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">If the driver in the front vehicle stopped short or cut someone off, it will be important to assess the level of blame to attribute to them. It’s also important to determine if the laws in the state where the accident took place subscribe to contributory negligence or comparative negligence rules.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3,\"textColor\":\"black\",\"fontSize\":\"extra-large\"} -->\n<h3 class=\"has-black-color has-text-color has-extra-large-font-size\">Contributory Negligence</h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">In a small number of states, contributory negligence rules apply when determining who is responsible for losses after an accident. Under contributory negligence rules, if a motorist contributed in any way to causing an accident, that motorist cannot recover any compensation.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">This would mean if the driver of the lead vehicle was even 1% to blame for causing a rear-end crash, they would be entitled to no compensation at all—even if the driver of the rear vehicle was 99% at fault.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3,\"textColor\":\"black\",\"fontSize\":\"extra-large\"} -->\n<h3 class=\"has-black-color has-text-color has-extra-large-font-size\">Comparative Negligence</h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Comparative negligence is a far more common approach in accident cases. Under comparative negligence rules, if a driver is partially to blame for causing a crash, they can still recover partial compensation. For example, if the driver of the front car was found to be 10% at fault and sustained $100,000 in damages, the driver in the rear vehicle would be responsible for covering 90% of losses because they were 90% to blame.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Some states have pure comparative negligence rules, which means an accident victim can recover compensation from another motorist regardless of what level of culpability the victim shares. In these states, if the lead driver was 70% at fault for the crash, he could still recover compensation for 30% of his losses from the motorist in the rear vehicle.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Other states have modified comparative negligence rules. These allow the accident victim to obtain compensation only if the other motorist was at least 51% to blame. Here are some rear-end collision settlement examples when modified comparative negligence rules apply:</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:list {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<ul class=\"has-black-color has-text-color has-large-font-size\"><li>If driver A is either 50% or 51% (The specific percentage depends on state rules) responsible for the crash, driver A cannot recover any compensation from driver B.</li><li>If driver A is less than 50% or 51% responsible, driver A can recover partial compensation. If driver A was 30% responsible, they would be able to collect 70% of damages from driver B. If driver A was 10% responsible, they would be able to collect 90% of damages from driver B.</li></ul>\n<!-- /wp:list -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Determining rear-end collision fault can be complicated in cases where both parties were partly to blame. Insurance companies may determine what amount of fault they are willing to accept and make a settlement offer based on this assessment. But if the accident victim doesn’t agree with this determination, the car accident case could end up in court.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"textColor\":\"black\",\"fontSize\":\"extra-large\"} -->\n<h2 class=\"has-black-color has-text-color has-extra-large-font-size\">Common Injuries From Rear-End Accidents</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Many different types of injuries can occur in rear-end accidents. Some of the most common injuries include:</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:list {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<ul class=\"has-black-color has-text-color has-large-font-size\"><li>Neck injuries such as whiplash</li><li>Back injuries including sprains and strains</li><li>Spinal fractures or disc injuries</li></ul>\n<!-- /wp:list -->\n\n<!-- wp:heading {\"textColor\":\"black\",\"fontSize\":\"extra-large\"} -->\n<h2 class=\"has-black-color has-text-color has-extra-large-font-size\">Getting Compensation After a Rear-End Accident</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Rear-end accidents are common and can cause tens of thousands of dollars in damages. Accident victims should review rear-end collision settlement examples and understand the rules for rear-end collision fault so they can make informed decisions about their rights.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Often, it’s a good idea to talk with an experienced attorney about options as well—especially before settling a case. An attorney can negotiate with the insurance company on your behalf if you have been hurt in a rear-end collision or can provide assistance with pursuing a civil lawsuit if the insurer does not agree to provide enough compensation for damages.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p></p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>To read the full article, <a href=\"https://www.forbes.com/advisor/legal/auto-accident/rear-end-collision/\">click here</a>.</p>\n<!-- /wp:paragraph -->','Rear-End Collisions: Fault & Compensation Explained','','inherit','closed','closed','','2760-revision-v1','','','2022-10-17 21:26:53','2022-10-17 21:26:53','',2760,'http://smartinsurance.tips/?p=2762',0,'revision','',0),(2763,1,'2022-10-17 21:36:45','2022-10-17 21:36:45','<!-- wp:image {\"id\":2764,\"sizeSlug\":\"full\",\"linkDestination\":\"none\"} -->\n<figure class=\"wp-block-image size-full\"><img src=\"http://smartinsurance.tips/wp-content/uploads/2022/10/Insurance-4.png\" alt=\"\" class=\"wp-image-2764\"/></figure>\n<!-- /wp:image -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">A parking lot is usually a low-speed traffic affair, sometimes outfitted with speed bumps and well-marked crosswalks. But a parking lot can be a busy—sometimes chaotic—confluence of independent actors doing their own thing to the beat of their own drums. A parking lot is also a place where you can get into accidents.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Here’s what to do if your vehicle is involved in a fender bender in a parking lot.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"textColor\":\"black\",\"fontSize\":\"extra-large\"} -->\n<h2 class=\"has-black-color has-text-color has-extra-large-font-size\">Does Car Insurance Cover Parking Lot Fender Benders?</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">If you get into a fender bender in a parking lot, there are several car insurance coverage types that could be applicable:</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3,\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<h3 class=\"has-black-color has-text-color has-large-font-size\"><strong>Collision insurance</strong></h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Collision insurance can pay for repairs if your car is damaged in a parking lot fender bender. It can pay for repairs whether you caused the damage (by backing into a pole, for example) or someone crashed into you.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3,\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<h3 class=\"has-black-color has-text-color has-large-font-size\"><strong>Liability insurance</strong></h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">If you cause a fender bender that damages someone else’s car, your car liability insurance can pay for their repairs. If someone in another car gets hurt, liability insurance also covers medical expenses (except in no-fault insurance states) and a legal defense in case you get sued.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Conversely, if someone else crashes into your car, you can make a claim against them under their liability insurance.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3,\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<h3 class=\"has-black-color has-text-color has-large-font-size\"><strong>Personal injury protection</strong></h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">If you or your passengers get hurt in an accident, your personal injury protection (PIP) can help pay for medical bills and other expenses, like lost wages. PIP is not available in all states. Some states offer “medical payments” coverage, which is similar to PIP, but sold in smaller coverage amounts.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3,\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<h3 class=\"has-black-color has-text-color has-large-font-size\"><strong>Uninsured/underinsured motorist insurance</strong></h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">If your vehicle is hit by someone who doesn’t carry any or enough car liability insurance, your uninsured motorist insurance (UM) can cover medical expenses for you and your passengers. Uninsured motorist property damage insurance covers damage to your car if it’s hit by someone without car insurance.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3,\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<h3 class=\"has-black-color has-text-color has-large-font-size\"><strong>Rental reimbursement insurance</strong></h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">If your car is in the shop for repairs under a collision claim, rental reimbursement insurance can pay for a rental car until your car is fixed and back on the road. This is optional coverage.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p></p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"textColor\":\"black\",\"fontSize\":\"extra-large\"} -->\n<h2 class=\"has-black-color has-text-color has-extra-large-font-size\">How Do I File an Insurance Claim If I’m in a Parking Lot Fender Bender?</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">If you get into a parking lot fender bender, you’ll typically have two options:</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3,\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<h3 class=\"has-black-color has-text-color has-large-font-size\"><strong>File a claim through your auto insurance company</strong></h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">If you have collision insurance on your auto policy, you can file a damage claim through your insurer. Your deductible will apply. For example, if you have a $500 deductible and it costs $2,000 to repair the car, the insurance check will be for $1,500.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">If someone else was at fault and you make a claim on your own collision insurance, you may be able to get your deductible back. Your insurance company might go through a process called “subrogation” with the other driver’s insurance company to get reimbursement. You’ll still have to pay the deductible up front.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Other coverage types might apply, like rental reimbursement insurance, or PIP if you or your passengers are hurt in the accident.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3,\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<h3 class=\"has-black-color has-text-color has-large-font-size\"><strong>File a claim through the other driver’s insurance company</strong></h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">If another driver was at-fault, you can file a claim through their car insurance company against their liability insurance.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Some states have “comparative negligence” laws, where you receive only partial reimbursement if you were partially at fault. The percentage of your reimbursement depends on the specific state law.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">If this is the situation, you could instead file a collision claim on your own insurance.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"textColor\":\"black\",\"fontSize\":\"extra-large\"} -->\n<h2 class=\"has-black-color has-text-color has-extra-large-font-size\">Pedestrian Accidents in Parking Lots</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Not all parking lot accidents involve collisions with other cars or objects, like parking barriers. With so much foot traffic, there can also be parking lot accidents involving pedestrians.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">If you hit someone in a parking lot and injure them, the person can make a claim against your liability insurance.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Or if you are hit while walking in a parking lot, you can file a claim against the driver’s liability insurance. Or if you have PIP or MedPay coverage, you can turn to that.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"textColor\":\"black\",\"fontSize\":\"extra-large\"} -->\n<h2 class=\"has-black-color has-text-color has-extra-large-font-size\">What Drivers Admit They Do in Parking Lots</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Distracted driving can be a problem in parking lots.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Sixty-six percent of drivers said they make phone calls while driving through parking lots, according to a poll from the National Safety Council (NSC). The NSC also found that more than half of the drivers surveyed reported other distracted activities, such as texting, emailing, using social media and programming their GPS while driving.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3,\"textColor\":\"black\",\"fontSize\":\"extra-large\"} -->\n<h3 class=\"has-black-color has-text-color has-extra-large-font-size\">What people say they do while driving in parking lots</h3>\n<!-- /wp:heading -->\n\n<!-- wp:table -->\n<figure id=\"footable_325261\" class=\"wp-block-table\"><table><thead><tr><th scope=\"col\">Action</th><th scope=\"col\">Percent of drivers</th></tr></thead><tbody><tr><td>Make phone calls</td><td>66%</td></tr><tr><td>Program GPS systems</td><td>63%</td></tr><tr><td>Text</td><td>56%</td></tr><tr><td>Use social media</td><td>52%</td></tr><tr><td>Send or receive emails</td><td>50%</td></tr><tr><td>Take photos or watch videos</td><td>49%</td></tr></tbody></table><figcaption><em>Source: National Safety Council</em></figcaption></figure>\n<!-- /wp:table -->\n\n<!-- wp:heading {\"textColor\":\"black\",\"fontSize\":\"extra-large\"} -->\n<h2 class=\"has-black-color has-text-color has-extra-large-font-size\">What to do in a Parking Lot Accident</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">With so much bustle and distraction in parking lots, it should be no surprise that there are tens of thousands of car crashes that take place in parking lots and garage structures each year in the United States.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Here are steps to take if you’re involved in an accident in a parking lot.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:list {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<ul class=\"has-black-color has-text-color has-large-font-size\"><li>Don’t flee the scene.</li><li>Exchange information with the other driver.</li><li>Take down notes about the crash so you can tell your insurance company.</li><li>Record the damage through photos or video.</li><li>If the other driver left the scene, check with a nearby store, mall, etc., to see if they have video surveillance that can help you track down the other driver.</li><li>Leave your contact information if you strike a parked car and the owner isn’t nearby. Include your contact information.</li><li>Call the police if needed.</li><li>Contact your insurance company to report the accident.</li></ul>\n<!-- /wp:list -->\n\n<!-- wp:heading {\"textColor\":\"black\",\"fontSize\":\"extra-large\"} -->\n<h2 class=\"has-black-color has-text-color has-extra-large-font-size\">Tips to Avoid Parking Lot Fender Benders</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">While a parking lot on a busy day can be be a stressful experience, here are a few tips for decreasing the chances of getting into an accident:</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:list {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<ul class=\"has-black-color has-text-color has-large-font-size\"><li>Drive slowly and obey directional arrows painted on the lot.</li><li>Park between the lines of your spot (don’t take up more than one parking space).</li><li>If possible, park in a spot where you can pull forward instead of backing out.</li><li>If possible, park away from other cars, objects and people.</li><li>Look in both directions and use your mirrors before backing up.</li><li>Take advantage of technology. Rear automatic braking systems bundled with backup cameras and parking sensors can reduce backing crashes by more than 75%. And rear cross-traffic alert sensors can reduce backing crashes by more than 20%, according to a study by the Insurance Institute for Highway Safety.</li></ul>\n<!-- /wp:list -->\n\n<!-- wp:paragraph -->\n<p></p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>To read the full article, <a href=\"https://www.forbes.com/advisor/car-insurance/parking-lot-fender-bender/\">click here</a>.</p>\n<!-- /wp:paragraph -->','What To Do If You Get Into A Parking Lot Fender Bender?','','publish','closed','closed','','what-to-do-if-you-get-into-a-parking-lot-fender-bender','','','2022-10-17 21:36:45','2022-10-17 21:36:45','',0,'http://smartinsurance.tips/?p=2763',0,'post','',0),(2764,1,'2022-10-17 21:28:10','2022-10-17 21:28:10','','Insurance-4','','inherit','closed','closed','','insurance-4-5','','','2022-10-17 21:28:10','2022-10-17 21:28:10','',2763,'http://smartinsurance.tips/wp-content/uploads/2022/10/Insurance-4.png',0,'attachment','image/png',0),(2765,1,'2022-10-17 21:36:45','2022-10-17 21:36:45','<!-- wp:image {\"id\":2764,\"sizeSlug\":\"full\",\"linkDestination\":\"none\"} -->\n<figure class=\"wp-block-image size-full\"><img src=\"http://smartinsurance.tips/wp-content/uploads/2022/10/Insurance-4.png\" alt=\"\" class=\"wp-image-2764\"/></figure>\n<!-- /wp:image -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">A parking lot is usually a low-speed traffic affair, sometimes outfitted with speed bumps and well-marked crosswalks. But a parking lot can be a busy—sometimes chaotic—confluence of independent actors doing their own thing to the beat of their own drums. A parking lot is also a place where you can get into accidents.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Here’s what to do if your vehicle is involved in a fender bender in a parking lot.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"textColor\":\"black\",\"fontSize\":\"extra-large\"} -->\n<h2 class=\"has-black-color has-text-color has-extra-large-font-size\">Does Car Insurance Cover Parking Lot Fender Benders?</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">If you get into a fender bender in a parking lot, there are several car insurance coverage types that could be applicable:</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3,\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<h3 class=\"has-black-color has-text-color has-large-font-size\"><strong>Collision insurance</strong></h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Collision insurance can pay for repairs if your car is damaged in a parking lot fender bender. It can pay for repairs whether you caused the damage (by backing into a pole, for example) or someone crashed into you.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3,\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<h3 class=\"has-black-color has-text-color has-large-font-size\"><strong>Liability insurance</strong></h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">If you cause a fender bender that damages someone else’s car, your car liability insurance can pay for their repairs. If someone in another car gets hurt, liability insurance also covers medical expenses (except in no-fault insurance states) and a legal defense in case you get sued.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Conversely, if someone else crashes into your car, you can make a claim against them under their liability insurance.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3,\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<h3 class=\"has-black-color has-text-color has-large-font-size\"><strong>Personal injury protection</strong></h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">If you or your passengers get hurt in an accident, your personal injury protection (PIP) can help pay for medical bills and other expenses, like lost wages. PIP is not available in all states. Some states offer “medical payments” coverage, which is similar to PIP, but sold in smaller coverage amounts.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3,\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<h3 class=\"has-black-color has-text-color has-large-font-size\"><strong>Uninsured/underinsured motorist insurance</strong></h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">If your vehicle is hit by someone who doesn’t carry any or enough car liability insurance, your uninsured motorist insurance (UM) can cover medical expenses for you and your passengers. Uninsured motorist property damage insurance covers damage to your car if it’s hit by someone without car insurance.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3,\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<h3 class=\"has-black-color has-text-color has-large-font-size\"><strong>Rental reimbursement insurance</strong></h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">If your car is in the shop for repairs under a collision claim, rental reimbursement insurance can pay for a rental car until your car is fixed and back on the road. This is optional coverage.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p></p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"textColor\":\"black\",\"fontSize\":\"extra-large\"} -->\n<h2 class=\"has-black-color has-text-color has-extra-large-font-size\">How Do I File an Insurance Claim If I’m in a Parking Lot Fender Bender?</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">If you get into a parking lot fender bender, you’ll typically have two options:</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3,\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<h3 class=\"has-black-color has-text-color has-large-font-size\"><strong>File a claim through your auto insurance company</strong></h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">If you have collision insurance on your auto policy, you can file a damage claim through your insurer. Your deductible will apply. For example, if you have a $500 deductible and it costs $2,000 to repair the car, the insurance check will be for $1,500.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">If someone else was at fault and you make a claim on your own collision insurance, you may be able to get your deductible back. Your insurance company might go through a process called “subrogation” with the other driver’s insurance company to get reimbursement. You’ll still have to pay the deductible up front.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Other coverage types might apply, like rental reimbursement insurance, or PIP if you or your passengers are hurt in the accident.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3,\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<h3 class=\"has-black-color has-text-color has-large-font-size\"><strong>File a claim through the other driver’s insurance company</strong></h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">If another driver was at-fault, you can file a claim through their car insurance company against their liability insurance.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Some states have “comparative negligence” laws, where you receive only partial reimbursement if you were partially at fault. The percentage of your reimbursement depends on the specific state law.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">If this is the situation, you could instead file a collision claim on your own insurance.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"textColor\":\"black\",\"fontSize\":\"extra-large\"} -->\n<h2 class=\"has-black-color has-text-color has-extra-large-font-size\">Pedestrian Accidents in Parking Lots</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Not all parking lot accidents involve collisions with other cars or objects, like parking barriers. With so much foot traffic, there can also be parking lot accidents involving pedestrians.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">If you hit someone in a parking lot and injure them, the person can make a claim against your liability insurance.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Or if you are hit while walking in a parking lot, you can file a claim against the driver’s liability insurance. Or if you have PIP or MedPay coverage, you can turn to that.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"textColor\":\"black\",\"fontSize\":\"extra-large\"} -->\n<h2 class=\"has-black-color has-text-color has-extra-large-font-size\">What Drivers Admit They Do in Parking Lots</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Distracted driving can be a problem in parking lots.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Sixty-six percent of drivers said they make phone calls while driving through parking lots, according to a poll from the National Safety Council (NSC). The NSC also found that more than half of the drivers surveyed reported other distracted activities, such as texting, emailing, using social media and programming their GPS while driving.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3,\"textColor\":\"black\",\"fontSize\":\"extra-large\"} -->\n<h3 class=\"has-black-color has-text-color has-extra-large-font-size\">What people say they do while driving in parking lots</h3>\n<!-- /wp:heading -->\n\n<!-- wp:table -->\n<figure id=\"footable_325261\" class=\"wp-block-table\"><table><thead><tr><th scope=\"col\">Action</th><th scope=\"col\">Percent of drivers</th></tr></thead><tbody><tr><td>Make phone calls</td><td>66%</td></tr><tr><td>Program GPS systems</td><td>63%</td></tr><tr><td>Text</td><td>56%</td></tr><tr><td>Use social media</td><td>52%</td></tr><tr><td>Send or receive emails</td><td>50%</td></tr><tr><td>Take photos or watch videos</td><td>49%</td></tr></tbody></table><figcaption><em>Source: National Safety Council</em></figcaption></figure>\n<!-- /wp:table -->\n\n<!-- wp:heading {\"textColor\":\"black\",\"fontSize\":\"extra-large\"} -->\n<h2 class=\"has-black-color has-text-color has-extra-large-font-size\">What to do in a Parking Lot Accident</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">With so much bustle and distraction in parking lots, it should be no surprise that there are tens of thousands of car crashes that take place in parking lots and garage structures each year in the United States.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Here are steps to take if you’re involved in an accident in a parking lot.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:list {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<ul class=\"has-black-color has-text-color has-large-font-size\"><li>Don’t flee the scene.</li><li>Exchange information with the other driver.</li><li>Take down notes about the crash so you can tell your insurance company.</li><li>Record the damage through photos or video.</li><li>If the other driver left the scene, check with a nearby store, mall, etc., to see if they have video surveillance that can help you track down the other driver.</li><li>Leave your contact information if you strike a parked car and the owner isn’t nearby. Include your contact information.</li><li>Call the police if needed.</li><li>Contact your insurance company to report the accident.</li></ul>\n<!-- /wp:list -->\n\n<!-- wp:heading {\"textColor\":\"black\",\"fontSize\":\"extra-large\"} -->\n<h2 class=\"has-black-color has-text-color has-extra-large-font-size\">Tips to Avoid Parking Lot Fender Benders</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">While a parking lot on a busy day can be be a stressful experience, here are a few tips for decreasing the chances of getting into an accident:</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:list {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<ul class=\"has-black-color has-text-color has-large-font-size\"><li>Drive slowly and obey directional arrows painted on the lot.</li><li>Park between the lines of your spot (don’t take up more than one parking space).</li><li>If possible, park in a spot where you can pull forward instead of backing out.</li><li>If possible, park away from other cars, objects and people.</li><li>Look in both directions and use your mirrors before backing up.</li><li>Take advantage of technology. Rear automatic braking systems bundled with backup cameras and parking sensors can reduce backing crashes by more than 75%. And rear cross-traffic alert sensors can reduce backing crashes by more than 20%, according to a study by the Insurance Institute for Highway Safety.</li></ul>\n<!-- /wp:list -->\n\n<!-- wp:paragraph -->\n<p></p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>To read the full article, <a href=\"https://www.forbes.com/advisor/car-insurance/parking-lot-fender-bender/\">click here</a>.</p>\n<!-- /wp:paragraph -->','What To Do If You Get Into A Parking Lot Fender Bender?','','inherit','closed','closed','','2763-revision-v1','','','2022-10-17 21:36:45','2022-10-17 21:36:45','',2763,'http://smartinsurance.tips/?p=2765',0,'revision','',0),(2766,1,'2022-10-17 22:22:18','2022-10-17 22:22:18','<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Winter-induced home damage can sometimes be prevented, but sufficient insurance coverage may cover even the most bitter disaster.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:image {\"id\":2767,\"sizeSlug\":\"full\",\"linkDestination\":\"none\"} -->\n<figure class=\"wp-block-image size-full\"><img src=\"http://smartinsurance.tips/wp-content/uploads/2022/10/Insurance-5.png\" alt=\"\" class=\"wp-image-2767\"/></figure>\n<!-- /wp:image -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Whether it\'s tumbling temperatures or a blackout blizzard, winter weather can wreak havoc on a home. But you can avoid a disaster with some preventive action.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Here are four common types of winter-related home damage and how you can prevent them, plus how home insurance works if you can’t.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"textColor\":\"black\",\"fontSize\":\"extra-large\"} -->\n<h2 class=\"has-black-color has-text-color has-extra-large-font-size\">1. Burst water pipes</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">If your kitchen faucet isn’t working on a cold winter morning, you could have a frozen water pipe. Frozen pipes can burst and cause accidental water damage, which can be expensive to repair.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">To prevent burst pipes, let your faucets drip on the coldest days, which will keep pipe water from freezing. Use sleeves or newspaper to cover pipes in spaces exposed to the chilliest temperatures, like basements and attics. If a pipe does freeze, shut off your water immediately, then use a heated pad or hair dryer to thaw the frozen water.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">But don’t fret if a pipe bursts. Once you pay your deductible, your home insurance will pay out up to your policy’s limits. Your dwelling coverage will cover home repair costs, while your personal property coverage will pay for damaged belongings.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Keep in mind that in order for an accidental water damage claim to be approved, homeowners are expected to take steps to lower the risk of it happening, such as maintaining the home’s temperature at a minimum of 55 degrees during cold weather. If water damage does occur, homeowners need to take action to mitigate further damage, like turning off the water valve.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"textColor\":\"black\",\"fontSize\":\"extra-large\"} -->\n<h2 class=\"has-black-color has-text-color has-extra-large-font-size\">2. Ice dams on the roof</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">An “ice dam” forms on a roof when snow melts and refreezes near the gutters or roof edges. When the ice begins to melt again, the water can seep under roof shingles, which can lead to mold and leakage. And the subsequent icicles hanging from your roof might be enchanting, but a heavy icicle could rip off a gutter.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Your homeowners insurance likely covers damage caused by ice dams, but some extra care could prevent it entirely. Ensure your attic is sufficiently insulated by sealing spots where warm air could leak up from your living areas. This will keep your roof cold, which helps prevent an ice dam from forming. Have a professional inspect your roof to see if solutions like heat cables and rubberized shingles can keep ice dams from forming in the first place. You should also keep all gutters clear of debris so melted snow can drain properly.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Don’t climb up on your roof to scrape off snow. Doing so can damage the shingles and weaken your roof over time.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"textColor\":\"black\",\"fontSize\":\"extra-large\"} -->\n<h2 class=\"has-black-color has-text-color has-extra-large-font-size\">3. Fallen tree branches</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Large tree branches that extend over a home could pose a problem in the winter. “We\'ll get tree limbs that will break and fall on homes, or fall on fences ... because of the weight of ice,” says John Merkle, manager of property claims at Country Financial.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">If an icy branch does fall, your insurance policy’s dwelling coverage should cover necessary repairs to the home, while your other structures coverage will pay for things like a damaged fence or shed.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Merkle recommends trimming your trees regularly to avoid the problem altogether. In fact, an insurer might deny a claim if the damage is deemed to be from a lack of maintenance over time.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"textColor\":\"black\",\"fontSize\":\"extra-large\"} -->\n<h2 class=\"has-black-color has-text-color has-extra-large-font-size\">4. House fires</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">House fires are a common cause of winter insurance claims, as people light candles and fireplaces. These tips can help prevent unwelcome flames:</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:list {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<ul class=\"has-black-color has-text-color has-large-font-size\"><li>If you lose power, use flashlights instead of candles, and turn off all electric appliances.</li><li>Keep Christmas trees hydrated so they don’t dry out and become fire hazards.</li><li>Never use your stove to heat your home.</li><li>Keep portable heating devices at least 3 feet away from anything flammable and unplug them while you sleep.</li><li>Install a glass or metal screen in front of your fireplace, and have a professional chimney sweep clean it once a year.</li></ul>\n<!-- /wp:list -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Your home insurance will pay for fire damage as long as the fire wasn’t intentional. If you need to stay somewhere else because of smoke or reconstruction, your insurance policy’s loss of use coverage can help pay for hotel bills and additional living expenses. Keep any receipts in case your insurer needs a record of what was spent.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"textColor\":\"black\",\"fontSize\":\"extra-large\"} -->\n<h2 class=\"has-black-color has-text-color has-extra-large-font-size\">Know your insurance limits and exclusions</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Talk to your insurance agent or company about what is and isn\'t covered in your home policy so you’re prepared if disaster strikes. You can also check the declarations page provided by your insurer for a list of what is covered and the exclusions section of your policy for anything that’s not.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Another thing to check? Your personal property limits. Certain items, like jewelry or antiques, could have lower limits than other belongings. If you own a lot of valuables, you may need additional coverage.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p></p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>To read the full article,&nbsp;<a href=\"https://www.nerdwallet.com/article/insurance/winter-home-insurance-claims\">click here</a>.</p>\n<!-- /wp:paragraph -->','4 Common Winter Home Insurance Claims and How to Prevent Them','','publish','closed','closed','','4-common-winter-home-insurance-claims-and-how-to-prevent-them','','','2022-10-17 22:53:37','2022-10-17 22:53:37','',0,'http://smartinsurance.tips/?p=2766',0,'post','',0),(2767,1,'2022-10-17 22:12:10','2022-10-17 22:12:10','','Insurance-5','','inherit','closed','closed','','insurance-5-7','','','2022-10-17 22:12:10','2022-10-17 22:12:10','',2766,'http://smartinsurance.tips/wp-content/uploads/2022/10/Insurance-5.png',0,'attachment','image/png',0),(2774,1,'2022-10-17 22:53:37','2022-10-17 22:53:37','<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Winter-induced home damage can sometimes be prevented, but sufficient insurance coverage may cover even the most bitter disaster.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:image {\"id\":2767,\"sizeSlug\":\"full\",\"linkDestination\":\"none\"} -->\n<figure class=\"wp-block-image size-full\"><img src=\"http://smartinsurance.tips/wp-content/uploads/2022/10/Insurance-5.png\" alt=\"\" class=\"wp-image-2767\"/></figure>\n<!-- /wp:image -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Whether it\'s tumbling temperatures or a blackout blizzard, winter weather can wreak havoc on a home. But you can avoid a disaster with some preventive action.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Here are four common types of winter-related home damage and how you can prevent them, plus how home insurance works if you can’t.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"textColor\":\"black\",\"fontSize\":\"extra-large\"} -->\n<h2 class=\"has-black-color has-text-color has-extra-large-font-size\">1. Burst water pipes</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">If your kitchen faucet isn’t working on a cold winter morning, you could have a frozen water pipe. Frozen pipes can burst and cause accidental water damage, which can be expensive to repair.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">To prevent burst pipes, let your faucets drip on the coldest days, which will keep pipe water from freezing. Use sleeves or newspaper to cover pipes in spaces exposed to the chilliest temperatures, like basements and attics. If a pipe does freeze, shut off your water immediately, then use a heated pad or hair dryer to thaw the frozen water.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">But don’t fret if a pipe bursts. Once you pay your deductible, your home insurance will pay out up to your policy’s limits. Your dwelling coverage will cover home repair costs, while your personal property coverage will pay for damaged belongings.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Keep in mind that in order for an accidental water damage claim to be approved, homeowners are expected to take steps to lower the risk of it happening, such as maintaining the home’s temperature at a minimum of 55 degrees during cold weather. If water damage does occur, homeowners need to take action to mitigate further damage, like turning off the water valve.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"textColor\":\"black\",\"fontSize\":\"extra-large\"} -->\n<h2 class=\"has-black-color has-text-color has-extra-large-font-size\">2. Ice dams on the roof</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">An “ice dam” forms on a roof when snow melts and refreezes near the gutters or roof edges. When the ice begins to melt again, the water can seep under roof shingles, which can lead to mold and leakage. And the subsequent icicles hanging from your roof might be enchanting, but a heavy icicle could rip off a gutter.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Your homeowners insurance likely covers damage caused by ice dams, but some extra care could prevent it entirely. Ensure your attic is sufficiently insulated by sealing spots where warm air could leak up from your living areas. This will keep your roof cold, which helps prevent an ice dam from forming. Have a professional inspect your roof to see if solutions like heat cables and rubberized shingles can keep ice dams from forming in the first place. You should also keep all gutters clear of debris so melted snow can drain properly.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Don’t climb up on your roof to scrape off snow. Doing so can damage the shingles and weaken your roof over time.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"textColor\":\"black\",\"fontSize\":\"extra-large\"} -->\n<h2 class=\"has-black-color has-text-color has-extra-large-font-size\">3. Fallen tree branches</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Large tree branches that extend over a home could pose a problem in the winter. “We\'ll get tree limbs that will break and fall on homes, or fall on fences ... because of the weight of ice,” says John Merkle, manager of property claims at Country Financial.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">If an icy branch does fall, your insurance policy’s dwelling coverage should cover necessary repairs to the home, while your other structures coverage will pay for things like a damaged fence or shed.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Merkle recommends trimming your trees regularly to avoid the problem altogether. In fact, an insurer might deny a claim if the damage is deemed to be from a lack of maintenance over time.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"textColor\":\"black\",\"fontSize\":\"extra-large\"} -->\n<h2 class=\"has-black-color has-text-color has-extra-large-font-size\">4. House fires</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">House fires are a common cause of winter insurance claims, as people light candles and fireplaces. These tips can help prevent unwelcome flames:</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:list {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<ul class=\"has-black-color has-text-color has-large-font-size\"><li>If you lose power, use flashlights instead of candles, and turn off all electric appliances.</li><li>Keep Christmas trees hydrated so they don’t dry out and become fire hazards.</li><li>Never use your stove to heat your home.</li><li>Keep portable heating devices at least 3 feet away from anything flammable and unplug them while you sleep.</li><li>Install a glass or metal screen in front of your fireplace, and have a professional chimney sweep clean it once a year.</li></ul>\n<!-- /wp:list -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Your home insurance will pay for fire damage as long as the fire wasn’t intentional. If you need to stay somewhere else because of smoke or reconstruction, your insurance policy’s loss of use coverage can help pay for hotel bills and additional living expenses. Keep any receipts in case your insurer needs a record of what was spent.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"textColor\":\"black\",\"fontSize\":\"extra-large\"} -->\n<h2 class=\"has-black-color has-text-color has-extra-large-font-size\">Know your insurance limits and exclusions</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Talk to your insurance agent or company about what is and isn\'t covered in your home policy so you’re prepared if disaster strikes. You can also check the declarations page provided by your insurer for a list of what is covered and the exclusions section of your policy for anything that’s not.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Another thing to check? Your personal property limits. Certain items, like jewelry or antiques, could have lower limits than other belongings. If you own a lot of valuables, you may need additional coverage.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p></p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>To read the full article,&nbsp;<a href=\"https://www.nerdwallet.com/article/insurance/winter-home-insurance-claims\">click here</a>.</p>\n<!-- /wp:paragraph -->','4 Common Winter Home Insurance Claims and How to Prevent Them','','inherit','closed','closed','','2766-revision-v1','','','2022-10-17 22:53:37','2022-10-17 22:53:37','',2766,'http://smartinsurance.tips/?p=2774',0,'revision','',0),(2768,1,'2022-10-17 22:22:18','2022-10-17 22:22:18','<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Winter-induced home damage can sometimes be prevented, but sufficient insurance coverage may cover even the most bitter disaster.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:image {\"id\":2767,\"sizeSlug\":\"full\",\"linkDestination\":\"none\"} -->\n<figure class=\"wp-block-image size-full\"><img src=\"http://smartinsurance.tips/wp-content/uploads/2022/10/Insurance-5.png\" alt=\"\" class=\"wp-image-2767\"/></figure>\n<!-- /wp:image -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Whether it\'s tumbling temperatures or a blackout blizzard, winter weather can wreak havoc on a home. But you can avoid a disaster with some preventive action.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Here are four common types of winter-related home damage and how you can prevent them, plus how home insurance works if you can’t.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"textColor\":\"black\",\"fontSize\":\"extra-large\"} -->\n<h2 class=\"has-black-color has-text-color has-extra-large-font-size\">1. Burst water pipes</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">If your kitchen faucet isn’t working on a cold winter morning, you could have a frozen water pipe. Frozen pipes can burst and cause accidental water damage, which can be expensive to repair.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">To prevent burst pipes, let your faucets drip on the coldest days, which will keep pipe water from freezing. Use sleeves or newspaper to cover pipes in spaces exposed to the chilliest temperatures, like basements and attics. If a pipe does freeze, shut off your water immediately, then use a heated pad or hair dryer to thaw the frozen water.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">But don’t fret if a pipe bursts. “Almost all [home] insurance policies will cover the resulting damage from a burst pipe,” says Steve Wilson, senior underwriting manager at Hippo Insurance. Once you pay your deductible, your home insurance will pay out up to your policy’s limits. Your dwelling coverage will cover home repair costs, while your personal property coverage will pay for damaged belongings.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Keep in mind that in order for an accidental water damage claim to be approved, homeowners are expected to take steps to lower the risk of it happening, such as maintaining the home’s temperature at a minimum of 55 degrees during cold weather. If water damage does occur, homeowners need to take action to mitigate further damage, like turning off the water valve.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"textColor\":\"black\",\"fontSize\":\"extra-large\"} -->\n<h2 class=\"has-black-color has-text-color has-extra-large-font-size\">2. Ice dams on the roof</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">An “ice dam” forms on a roof when snow melts and refreezes near the gutters or roof edges. When the ice begins to melt again, the water can seep under roof shingles, which can lead to mold and leakage. And the subsequent icicles hanging from your roof might be enchanting, but a heavy icicle could rip off a gutter.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Your homeowners insurance likely covers damage caused by ice dams, but some extra care could prevent it entirely. Ensure your attic is sufficiently insulated by sealing spots where warm air could leak up from your living areas. This will keep your roof cold, which helps prevent an ice dam from forming. Have a professional inspect your roof to see if solutions like heat cables and rubberized shingles can keep ice dams from forming in the first place. You should also keep all gutters clear of debris so melted snow can drain properly.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Don’t climb up on your roof to scrape off snow. Doing so can damage the shingles and weaken your roof over time.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"textColor\":\"black\",\"fontSize\":\"extra-large\"} -->\n<h2 class=\"has-black-color has-text-color has-extra-large-font-size\">3. Fallen tree branches</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Large tree branches that extend over a home could pose a problem in the winter. “We\'ll get tree limbs that will break and fall on homes, or fall on fences ... because of the weight of ice,” says John Merkle, manager of property claims at Country Financial.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">If an icy branch does fall, your insurance policy’s dwelling coverage should cover necessary repairs to the home, while your other structures coverage will pay for things like a damaged fence or shed.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Merkle recommends trimming your trees regularly to avoid the problem altogether. In fact, an insurer might deny a claim if the damage is deemed to be from a lack of maintenance over time.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"textColor\":\"black\",\"fontSize\":\"extra-large\"} -->\n<h2 class=\"has-black-color has-text-color has-extra-large-font-size\">4. House fires</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">House fires are a common cause of winter insurance claims, as people light candles and fireplaces. These tips can help prevent unwelcome flames:</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:list {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<ul class=\"has-black-color has-text-color has-large-font-size\"><li>If you lose power, use flashlights instead of candles, and turn off all electric appliances.</li><li>Keep Christmas trees hydrated so they don’t dry out and become fire hazards.</li><li>Never use your stove to heat your home.</li><li>Keep portable heating devices at least 3 feet away from anything flammable and unplug them while you sleep.</li><li>Install a glass or metal screen in front of your fireplace, and have a professional chimney sweep clean it once a year.</li></ul>\n<!-- /wp:list -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Your home insurance will pay for fire damage as long as the fire wasn’t intentional. If you need to stay somewhere else because of smoke or reconstruction, your insurance policy’s loss of use coverage can help pay for hotel bills and additional living expenses. Keep any receipts in case your insurer needs a record of what was spent.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"textColor\":\"black\",\"fontSize\":\"extra-large\"} -->\n<h2 class=\"has-black-color has-text-color has-extra-large-font-size\">Know your insurance limits and exclusions</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Talk to your insurance agent or company about what is and isn\'t covered in your home policy so you’re prepared if disaster strikes. You can also check the declarations page provided by your insurer for a list of what is covered and the exclusions section of your policy for anything that’s not.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Another thing to check? Your personal property limits. Certain items, like jewelry or antiques, could have lower limits than other belongings. If you own a lot of valuables, you may need additional coverage.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p></p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>To read the full article, <a href=\"https://www.nerdwallet.com/article/insurance/winter-home-insurance-claims\">click here</a>.</p>\n<!-- /wp:paragraph -->','4 Common Winter Home Insurance Claims and How to Prevent Them','','inherit','closed','closed','','2766-revision-v1','','','2022-10-17 22:22:18','2022-10-17 22:22:18','',2766,'http://smartinsurance.tips/?p=2768',0,'revision','',0),(2769,1,'2022-10-17 22:58:50','2022-10-17 22:58:50','<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Mortgage lenders generally require homeowners insurance coverage, and it’s almost always a smart buy.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:image {\"id\":2770,\"sizeSlug\":\"full\",\"linkDestination\":\"none\"} -->\n<figure class=\"wp-block-image size-full\"><img src=\"http://smartinsurance.tips/wp-content/uploads/2022/10/Insurance-6.png\" alt=\"\" class=\"wp-image-2770\"/></figure>\n<!-- /wp:image -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\"><strong>Nerdy takeaways</strong></p>\n<!-- /wp:paragraph -->\n\n<!-- wp:list {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<ul class=\"has-black-color has-text-color has-large-font-size\"><li>Homeowners insurance provides coverage in case a disaster damages your home or personal belongings.</li><li>It can also pay out when you’re held responsible for an accident or injury.</li><li>Home insurance generally covers damage due to fire, wind or snow, but it won’t cover floods or earthquakes.</li></ul>\n<!-- /wp:list -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Your home is more than just a roof over your head. It may be your most valuable asset — and one you likely can’t afford to replace out of pocket if disaster strikes. That’s why protecting your place with the right homeowners insurance is important.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"textColor\":\"black\",\"fontSize\":\"extra-large\"} -->\n<h2 class=\"has-black-color has-text-color has-extra-large-font-size\">What is homeowners insurance?</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Homeowners insurance pays out if an event covered under your policy damages or destroys your home or belongings. It will also cover you in certain instances if you injure someone else or cause property damage. Homeowners insurance has four main functions:</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:list {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<ul class=\"has-black-color has-text-color has-large-font-size\"><li>Pay to repair your house, landscaping and other structures.</li><li>Pay to repair or replace your personal belongings.</li><li>Pay for you to live elsewhere while your house is being repaired.</li><li>Cover personal liability if you’re held legally responsible for damage or injury to someone else.</li></ul>\n<!-- /wp:list -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Note that homeowners insurance isn’t the same as mortgage insurance, which you may have to buy if you put less than 20% down on your home loan. (FHA and other federal loans may also require mortgage insurance, regardless of your down payment amount.) If you default on your loan, mortgage insurance will help reimburse your lender.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Mortgage insurance protects your lender, while homeowners insurance protects you.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"textColor\":\"black\",\"fontSize\":\"extra-large\"} -->\n<h2 class=\"has-black-color has-text-color has-extra-large-font-size\">Is homeowners insurance required?</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Homeowners insurance isn’t required by law, but if you have a mortgage, your lender will likely require you to insure the home to protect its investment. Even if you don’t have a mortgage, home insurance is almost always a wise purchase. Because it gives you property and liability coverage, a homeowners policy is a financial safety net you may someday be glad to have.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"textColor\":\"black\",\"fontSize\":\"extra-large\"} -->\n<h2 class=\"has-black-color has-text-color has-extra-large-font-size\">What does homeowners insurance cover?</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Standard homeowners insurance policies generally include six types of coverage:</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:table -->\n<figure class=\"wp-block-table\"><table><thead><tr><th scope=\"col\">Coverage type</th><th scope=\"col\">What it does</th><th scope=\"col\">Typical amount</th></tr></thead><tbody><tr><td>Dwelling</td><td>Covers damage to the home and attached structures, such as a porch.</td><td>Enough to rebuild your home.</td></tr><tr><td>Other structures</td><td>Covers stand-alone structures on your property, such as a fence or shed.</td><td>10% of dwelling coverage.</td></tr><tr><td>Personal property</td><td>Pays to repair or replace stolen or damaged belongings.</td><td>50% to 70% of dwelling coverage.</td></tr><tr><td>Loss of use</td><td>Helps pay temporary living expenses while your home is being repaired.</td><td>20% of dwelling coverage.</td></tr><tr><td>Personal liability</td><td>Pays if you injure someone or cause property damage unintentionally or through neglect.</td><td>$100,000 to $500,000.</td></tr><tr><td>Medical payments</td><td>Pays to treat someone injured on your property, regardless of who’s at fault. It also pays if you, a family member or a pet injures someone away from your home.</td><td>$1,000 to $5,000.</td></tr></tbody></table></figure>\n<!-- /wp:table -->\n\n<!-- wp:heading {\"level\":3,\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<h3 class=\"has-black-color has-text-color has-large-font-size\"><strong>Dwelling coverage</strong></h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Dwelling coverage covers the structure of your home, including the walls, floors, windows and roof. Built-in appliances, such as furnaces, are also typically included in your dwelling coverage. If your home has an attached garage, porch or deck, these would fall under your dwelling coverage, too.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Which events are covered: Most homeowners policies cover your dwelling for any cause of damage that isn’t specifically excluded. Some of the most common causes of homeowners insurance claims include wind, hail, freezing, fire and lightning, according to the Insurance Information Institute.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">How it works: A severe thunderstorm uproots a tree that falls onto your home, crushing part of the roof and attic. You’d pay your share of the repair cost — known as the deductible — and then the insurer would pay the rest, up to the limit of your dwelling coverage.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3,\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<h3 class=\"has-black-color has-text-color has-large-font-size\"><strong>Other structures coverage</strong></h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Just like it sounds, other structures coverage provides insurance for structures on your property that aren’t attached to your house. That could include a shed, fence or detached garage.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Which events are covered: As with dwelling coverage, most homeowners insurance policies cover other structures for any event that isn’t specifically excluded. That means you\'d likely have coverage for fire, wind, hail and snow, among other issues.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">How it works: Part of your fence collapses under the weight of heavy snow. The insurance company would pay to repair it, minus your deductible.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3,\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<h3 class=\"has-black-color has-text-color has-large-font-size\"><strong>Personal property coverage</strong></h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Personal property refers to your personal belongings — like clothes, furniture, electronic devices and appliances that aren’t built in. Most homeowners policies cover these items anywhere in the world, not just inside your house. So if someone steals your bike from outside a store, it’ll likely be covered (minus your deductible).</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Which events are covered: In most homeowners policies, personal property coverage works differently than dwelling and other structures coverage. Instead of covering your belongings for anything that isn’t specifically excluded, homeowners policies often cover only disasters that are listed.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">These events, typically called “perils” in your policy, tend to include the following:</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:list {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<ul class=\"has-black-color has-text-color has-large-font-size\"><li>Fire or lightning.</li><li>Smoke.</li><li>Windstorms and hail.</li><li>Explosions.</li><li>Theft.</li><li>Vandalism.</li><li>Weight of ice, snow and sleet.</li><li>Sudden damage from a power surge.</li><li>Volcanic eruptions.</li><li>Falling objects.</li><li>Water overflow or discharge from household systems like plumbing, air conditioning and appliances.</li><li>Freezing of those same household systems.</li><li>Sudden tearing, cracking or bulging of a hot water system, steam system, air conditioning or fire protective system.</li><li>Riots.</li><li>Damage from aircraft.</li><li>Damage caused by vehicles.</li></ul>\n<!-- /wp:list -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">How it works: A pipe bursts on a frigid winter night, sending water cascading into your kitchen and dining room. Although dwelling coverage would pay for damage to built-in items such as cabinets, personal property coverage would take care of damaged furniture, minus your deductible.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3,\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<h3 class=\"has-black-color has-text-color has-large-font-size\"><strong>Loss of use coverage</strong></h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Sometimes called “additional living expenses,” the loss of use section of your homeowners policy can come in handy if your home is too damaged to live in. Loss of use coverage may pay for hotel stays, restaurant meals or other expenses associated with living somewhere else if your home is uninhabitable after a disaster your policy covers.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Which events are covered: As long as your home is undergoing repairs for a covered claim, you’ll likely be eligible for loss of use coverage. But if your home’s damage is due to a disaster that isn’t covered — such as a flood — your insurer won’t pay your additional living expenses, either.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">How it works: After a kitchen fire spreads to your living room, your home is out of commission for a few months while contractors make repairs. Your insurance company would pay for you and your family to rent a similarly sized house nearby.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3,\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<h3 class=\"has-black-color has-text-color has-large-font-size\"><strong>Liability coverage</strong></h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Personal liability coverage offers financial assistance if someone sues you for injuring them or damaging their property. Coverage generally extends to anyone in your household, including pets — so if your dog bites someone at the park, you may have coverage. (See Does Homeowners Insurance Cover Dog Bites? for more information.)</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Which events are covered: Liability insurance covers bodily injury and property damage to others, with some exceptions. For instance, your policy won\'t cover criminal acts or harm you cause on purpose. Nor will it pay for injuries or damage from a car accident (your liability car insurance would cover those).</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">How it works: A delivery person slips on your icy sidewalk before you can salt it. He breaks his wrist in the fall and sues you for medical bills and lost wages. Your liability coverage could pay your legal fees, plus any damages you’re responsible for in the lawsuit, up to your policy limit.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3,\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<h3 class=\"has-black-color has-text-color has-large-font-size\"><strong>Medical payments coverage</strong></h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Like liability coverage, medical payments coverage pays if you cause physical injury to someone outside your household. However, no lawsuit is required, and you don’t need to be found at fault for medical payments coverage to pay out.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Which events are covered: You could tap your medical payments coverage if someone suffers a minor injury on your property or if you cause harm to someone outside your home. Similar restrictions apply to liability and medical payments, with no coverage for intentional acts or car accidents, among other exclusions.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">How it works: Your dog bites the hand of a visiting friend. There’s no serious harm, but your medical payments insurance covers the cost of their trip to urgent care for stitches.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"textColor\":\"black\",\"fontSize\":\"extra-large\"} -->\n<h2 class=\"has-black-color has-text-color has-extra-large-font-size\">What homeowners insurance won\'t cover?</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Even the broadest homeowners insurance policy won’t cover everything that could go wrong with your home. For example, you can’t intentionally damage your house and then expect your insurer to pay for it. Policies also typically exclude damage from other causes such as:</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:list {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<ul class=\"has-black-color has-text-color has-large-font-size\"><li>Flooding from external sources such as heavy rainfall or storm surges.</li><li>Water damage from drain and sewer backups.</li><li>Earthquakes, landslides and sinkholes.</li><li>Infestations by birds, vermin, fungus or mold.</li><li>Wear and tear or neglect.</li><li>Nuclear hazard.</li><li>Government action, including war.</li><li>Power failure.</li></ul>\n<!-- /wp:list -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">However, you can buy separate coverage for some of these risks. Flood insurance and earthquake insurance are available separately, and in hurricane-prone states, you may need or want windstorm insurance.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3,\"textColor\":\"black\",\"fontSize\":\"extra-large\"} -->\n<h3 class=\"has-black-color has-text-color has-extra-large-font-size\">Expand your coverage with endorsements</h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Talk to your insurer if you have concerns about damage and events your policy doesn’t cover. In many cases, you can add endorsements — which usually cost extra — that provide more coverage.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Below are a few of the most common home insurance endorsements. Note that availability may vary by state and company.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\"><strong>Scheduled personal property</strong> covers a specific valuable item such as a ring or musical instrument. You may need an appraisal — a document that states the value of the item — to get this coverage.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\"><strong>Ordinance or law coverage</strong> pays to bring your home up to building codes during repairs or rebuilding.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\"><strong>Water backup coverage</strong> pays for damage due to backed-up sewer lines, drains or sump pumps.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\"><strong>Equipment breakdown coverage</strong> pays for HVAC systems and large appliances if they stop working for reasons other than normal wear and tear.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\"><strong>Service line protection</strong> pays for damage to water, electric or other utility lines that you’re responsible for.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\"><strong>Identity fraud coverage</strong> pays expenses associated with identity theft such as lost wages and legal fees.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"textColor\":\"black\",\"fontSize\":\"extra-large\"} -->\n<h2 class=\"has-black-color has-text-color has-extra-large-font-size\">Is it covered?</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">This table shows common problems and whether your homeowners insurance policy will cover them.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:table -->\n<figure class=\"wp-block-table\"><table><thead><tr><th scope=\"col\">Problem</th><th scope=\"col\">Covered?</th><th scope=\"col\">Details</th></tr></thead><tbody><tr><td>Dog bites</td><td>Usually.</td><td>Your liability coverage typically covers lawsuits if your dog bites someone outside your household. </td></tr><tr><td>Fire</td><td>Usually.</td><td>Fire is one of the standard perils most homeowners insurance policies cover. </td></tr><tr><td>HVAC problems</td><td>Maybe.</td><td>If a covered event such as a windstorm damages your heating or cooling system, your homeowners policy would likely pay to repair it. Adding an equipment breakdown endorsement to your policy could give you additional coverage for mechanical failures. However, homeowners insurance won\'t pay for normal wear and tear.</td></tr><tr><td>Lost jewelry</td><td>Usually not.</td><td>A standard homeowners insurance policy covers jewelry only for theft, fire or other named events, not for accidental loss. That’s why it’s a good idea to add broader coverage for valuable jewelry. </td></tr><tr><td>Mold</td><td>Maybe.</td><td>It depends on the cause of the mold. Most insurers will cover mold only if it\'s caused by a covered problem such as a burst pipe. </td></tr><tr><td>Plumbing</td><td>Maybe.</td><td>Damage from sudden, accidental leaks may be covered, but slow leaks that develop over time generally won’t be. (The latter are considered a maintenance issue.) Your policy probably won’t pay for plumbing damage due to neglect, either.</td></tr><tr><td>Roof leaks</td><td>Maybe.</td><td>It depends on why your roof is leaking. Insurance typically covers damage due to a sudden, accidental event such as hail or wind, but it won\'t cover simple wear and tear. </td></tr><tr><td>Termite damage</td><td>Usually not.</td><td>Insurance companies generally consider dealing with infestations to be a part of regular home maintenance, which they don\'t cover.</td></tr><tr><td>Water damage</td><td>Maybe.</td><td>It depends on the type of water damage. Most home insurance policies won’t cover floods, for example. They won\'t cover damage from a backed-up drain or sewer unless you\'ve paid for that endorsement. But if a pipe freezes and bursts, your insurer will typically pay for the resulting damage. </td></tr></tbody></table></figure>\n<!-- /wp:table -->\n\n<!-- wp:heading {\"textColor\":\"black\",\"fontSize\":\"extra-large\"} -->\n<h2 class=\"has-black-color has-text-color has-extra-large-font-size\">Types of homeowners insurance policies</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Homeowners insurance comes in several types, called “policy forms.” Some types provide more expansive coverage than others, so it’s worthwhile to know the difference. Note that different insurance companies may have different names for these policies.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3,\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<h3 class=\"has-black-color has-text-color has-large-font-size\"><strong>Most popular: HO-3 insurance</strong></h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">HO-3 insurance policies, also called “special form,” are the most common. If you have a mortgage, your lender is likely to require at least this level of coverage.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">HO-3 insurance policies generally cover damage to your home from any cause except those the policy specifically excludes, such as an earthquake or flood. However, where it concerns your belongings, HO-3 insurance typically covers only damage from the perils listed in your policy.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3,\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<h3 class=\"has-black-color has-text-color has-large-font-size\"><strong>Broadest coverage: HO-5 insurance</strong></h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">An HO-5 insurance policy provides the most extensive homeowners coverage. It pays for damage to your home and belongings from all causes except those the policy excludes. It’s typically available only for well-maintained homes in low-risk areas, and not all insurers offer it.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Nerdy Tip: HO-5 policies are sometimes called “comprehensive form” or “premier” coverage. However, an HO-3 policy may also be labeled “premier” in some cases, without offering the broader coverage of an HO-5 policy. If you want HO-5 insurance coverage, be sure to ask your agent or representative.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3,\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<h3 class=\"has-black-color has-text-color has-large-font-size\"><strong>Limited coverage: HO-1 and HO-2 insurance</strong></h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Much less popular are HO-1 and HO-2 homeowners insurance, which pay out only for damage caused by events listed in the policy.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Other policy types include HO-4 insurance for renters, HO-6 for condo owners, HO-7 for mobile homes and HO-8 — a rarely used type that provides limited coverage for older homes.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"textColor\":\"black\",\"fontSize\":\"extra-large\"} -->\n<h2 class=\"has-black-color has-text-color has-extra-large-font-size\">How homeowners insurance works?</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">If your home is destroyed, your homeowners insurance company isn’t likely to simply write you a check for the amount listed on your policy. First, you’ll have to file a claim, documenting the damage. And your payout could vary depending on your coverage and deductible options.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3,\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<h3 class=\"has-black-color has-text-color has-large-font-size\"><strong>Replacement cost vs. actual cash value</strong></h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">One key factor in your payout is whether your coverage will pay whatever it takes to rebuild your home, even if that cost exceeds your policy limits. This situation may arise, for instance, if construction costs have increased in your area while your coverage limits haven\'t changed. Here’s a rundown of several options you may encounter.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\"><strong>Actual cash value coverage</strong> pays the cost to repair or replace your damaged property, minus a deduction for depreciation. Most policies don’t use this method for the house, but it’s common for personal belongings. For items that are several years old, this means you’ll probably get only a fraction of what it would cost to buy new ones.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\"><strong>Functional replacement cost value coverage</strong> pays to fix your home with materials that are similar but possibly cheaper. For example, your contractor could replace damaged plaster walls with less expensive drywall.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\"><strong>Replacement cost value coverage</strong> pays to repair your home with materials of “like kind and quality,” so plaster walls can be replaced with plaster. However, the payout won’t exceed your policy’s dwelling coverage limits.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Some policies offer replacement cost value coverage for personal items. This means the insurer would pay to replace your old belongings with new ones, with no deduction for depreciation. If this feature is important to you, check the policy details before you buy. It’s a common option, but you typically need to pay more for it.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\"><strong>Extended replacement cost value coverage</strong> will pay out more than the face value of your dwelling coverage, up to a specified limit, if that’s what it takes to fix your home. The limit can be a dollar amount or a percentage, such as 25% above your dwelling coverage amount. This gives you a cushion if rebuilding is more expensive than you expected.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\"><strong>Guaranteed replacement cost value coverage</strong> pays the full cost to repair or replace your home after a covered loss, even if it exceeds your policy limits. Not all insurance companies offer this level of coverage.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3,\"textColor\":\"black\",\"fontSize\":\"extra-large\"} -->\n<h3 class=\"has-black-color has-text-color has-extra-large-font-size\">Homeowners insurance deductibles</h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Homeowners policies typically include a deductible — the amount you’re required to cover before your insurer starts paying. The deductible can be:</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:list {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<ul class=\"has-black-color has-text-color has-large-font-size\"><li>A flat dollar amount, such as $500 or $1,000.</li><li>A percentage, such as 1% or 2% of the home’s insured value.</li></ul>\n<!-- /wp:list -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">When you receive a claim check, your insurer subtracts your deductible amount. Say you have a $1,000 deductible and your insurer approves a claim for $10,000 in repairs. The insurer would pay $9,000, and you would be responsible for $1,000.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Nerdy Tip: Choosing a higher deductible will usually reduce your premium. However, you’ll shoulder more of the financial burden should you need to file a claim. A lower deductible, on the other hand, means you might have a higher premium but your insurer would pick up nearly the whole tab after an incident.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Be aware that some policies include separate — and often higher — deductibles for specific types of claims such as damage from wind, hail, hurricanes or earthquakes. For example, a policy might have a $1,000 deductible for most losses but a 10% deductible for optional earthquake coverage that you added to the policy. This means if an earthquake damages a home with $300,000 worth of dwelling coverage, the deductible would be $30,000.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Liability claims generally don’t have a deductible.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p></p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>To read the full article,&nbsp;<a href=\"https://www.nerdwallet.com/article/insurance/understanding-homeowners-insurance?trk_channel=web&amp;trk_copy=What%20Is%20Homeowners%20Insurance%2C%20and%20What%20Does%20It%20Cover%3F&amp;trk_element=hyperlink&amp;trk_elementPosition=1&amp;trk_location=PostList&amp;trk_subLocation=next-steps\">click here</a>.</p>\n<!-- /wp:paragraph -->','What Is Homeowners Insurance, and What Does It Cover?','','publish','closed','closed','','what-is-homeowners-insurance-and-what-does-it-cover','','','2022-10-18 13:18:16','2022-10-18 13:18:16','',0,'http://smartinsurance.tips/?p=2769',0,'post','',0),(2770,1,'2022-10-17 22:40:39','2022-10-17 22:40:39','','Insurance-6','','inherit','closed','closed','','insurance-6-7','','','2022-10-17 22:40:39','2022-10-17 22:40:39','',2769,'http://smartinsurance.tips/wp-content/uploads/2022/10/Insurance-6.png',0,'attachment','image/png',0),(2772,1,'2022-10-17 22:47:36','2022-10-17 22:47:36','<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">How to get things done in your life correctly and on time?</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:image {\"id\":2732,\"sizeSlug\":\"full\",\"linkDestination\":\"none\"} -->\n<figure class=\"wp-block-image size-full\"><img src=\"http://smartinsurance.tips/wp-content/uploads/2022/10/Productivity.png\" alt=\"\" class=\"wp-image-2732\"/></figure>\n<!-- /wp:image -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\" id=\"068c\">The day always comes when you absolutely must get something done. You know the kind of thing I mean. Getting that proposal to a customer. Finishing the report the boss expects tomorrow. The bills coming due must be paid on time. These are the kinds of things that must get done now, not later.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\" id=\"f2a0\">How is it our productivity can suddenly spike at times? We get a burst of energy that helps us complete the task. This usually happens when you are about to go on vacation. You know you must get certain things done before you leave, and you will get them done. You always do somehow!</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\" id=\"c039\">Think about it. What does each of these things have in common? I see three factors. One factor is that each is important, on the verge of becoming urgent. A second factor is each needs to be done. Otherwise, you may suffer unpleasant consequences. And thirdly, each has a deadline to be met. These three factors create a “get it done” environment.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\" id=\"c039\"><strong><em>“The secret of getting things done is to&nbsp;act!” Dante Alighieri</em></strong></p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"textColor\":\"black\",\"fontSize\":\"extra-large\"} -->\n<h2 class=\"has-black-color has-text-color has-extra-large-font-size\" id=\"b197\"><strong>Get it done, or not?</strong></h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\" id=\"78b9\">The three factors for creating a high-productivity, “get-it-done” environment&nbsp;can be listed as:</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:list {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<ul class=\"has-black-color has-text-color has-large-font-size\"><li>Important and urgent</li><li>Unpleasant consequences</li><li>Deadline</li></ul>\n<!-- /wp:list -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\" id=\"b313\">Now let’s contrast these must-do things with more routine activities. What you may need to do could be important, but it has less urgency around it. Few consequences, if any, arise if the activity is incomplete. Since it is not urgent, you believe you have plenty of time, so there is no reason to rush.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\" id=\"98df\">You can sum this lower-productivity environment list up as:</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:list {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<ul class=\"has-black-color has-text-color has-large-font-size\"><li>Little or no urgency</li><li>Inconsequential consequences</li><li>Distant or no deadline</li></ul>\n<!-- /wp:list -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\" id=\"e59a\">Do you see the clear pattern emerging here? When you have something to lose, you get it done. When you have little to lose, you say, “Eh, what’s the rush?”</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\" id=\"c970\">“You can’t build a reputation on what you are&nbsp;<strong>going to do</strong>.” Henry Ford</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\" id=\"339c\">If you want to speed things along, use the factors from the get-it-done environment. If you don’t care, be sure to include the three low-productivity factors.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"textColor\":\"black\",\"fontSize\":\"extra-large\"} -->\n<h2 class=\"has-black-color has-text-color has-extra-large-font-size\" id=\"d0c3\"><strong>“Get it done” tactics</strong></h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\" id=\"de66\">To boost your productivity, all you need to do is take each of the three factors from the “get it done” environment and turn them into tactics. Whenever you put one of these tactics into play, things begin to happen.&nbsp;<strong>By incorporating all three of the tactics, you create a highly productive environment.</strong></p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\" id=\"bb28\">For example, take a current project that seems stalled and inject one of the three “Get it done” factors. Let’s say you want to write an article about something, and you have a couple of weeks to work on it. Inject one or more of the three tactics into your requirements for the article. You can increase the sense of urgency around it by thinking about how important it is to someone else, to you, or how enjoyable it can become.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\" id=\"ded6\">You could consider the consequences of how it may benefit or hurt you. Or you can put a deadline on how much of the article you will have done each day or week until it is complete.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\" id=\"fe60\">If you are in a management position and want to&nbsp;<strong>help an employee become more productive</strong>, inject one of the three factors into the project. If the project is large and complex and a long way off, create intermediate points to help them stay on track.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\" id=\"2d11\">For example, if the project is not due for a month, create weekly check-ins regarding the progress made at each interval. Check-ins will help establish a&nbsp;<strong>sense of urgency</strong>&nbsp;to ensure the project moves along. If it is not moving along well, insert one of the other tactics such as a potential consequence if they fall behind schedule. You did give them a deadline for some portion of the work to be completed as well as a final deadline, didn’t you?</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"textColor\":\"black\",\"fontSize\":\"extra-large\"} -->\n<h2 class=\"has-black-color has-text-color has-extra-large-font-size\" id=\"9176\"><strong>Final words</strong></h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\" id=\"41b3\">While this article is about work or the bigger things in life, the same tactics work in other situations as well. Try one or more of them on yourself with something you want to accomplish. It could be taking care of your health, exercising, or spending time with your spouse.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\" id=\"67c1\">You may want to try them with your children, friends, or for anything else you want to get done or have someone else do.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\" id=\"68b9\">A simple analogy to using the three tactics is:&nbsp;<strong>when you apply the tactics, it is like putting your foot on the gas</strong>. When you don’t use the tactics, you are putting your foot on the brakes. Which makes the most sense for that project you need to get done — putting your foot on the gas or the brakes?</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p></p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>To read the full article,&nbsp;<a href=\"https://medium.com/technology-hits/the-3-simple-things-needed-to-easily-increase-your-productivity-for-any-task-3e1d61a44ea1\">click here.</a></p>\n<!-- /wp:paragraph -->','The 3 Simple Things Needed to Easily Increase Your Productivity for Any Task','','inherit','closed','closed','','2731-revision-v1','','','2022-10-17 22:47:36','2022-10-17 22:47:36','',2731,'http://smartinsurance.tips/?p=2772',0,'revision','',0),