The five most common driver etiquette mistakes

If your behavior behind the wheel has been garnering a lot of disgruntled honks lately, you might want to put some thought into improving your driver karma. Being aware of the driver etiquette rules your breaking is the first step to cleaning up your driving.

The following are the five most common driver etiquette mistakes that you can easily avoid with a bit of consideration and awareness:

  1. Passing excruciatingly slowly- Passing other cars should be done fairly quickly because during passing, two cars are very close. This can make some drivers slightly uncomfortable, especially if it goes on for long periods of time. If you’re going to pass someone, speed up and do it quickly to put some distance between yourself and the other car. 
  2. Not switching lanes to make merging and turning easier- If you’re driving along a two-lane roadway with no traffic, switch lanes to make space for other drivers who are trying to get on the same roadway. 
  3. Hanging around in the left lane- Other drivers are going to get impatient- a may even begin suffering from twinges of road rage- if you’re driving in front of them at a slower speed but remaining in the passing lane. 
  4. Sloppy turn signal use- Whenever possible, avoid changing your mind about turning after putting your turn signal on. Also, always take care to use your turn signals even if you’re driving along a very familiar route. 
  5. Using your cell phone- Even if cell phone use while driving isn’t against the law in your state, don’t do it. This type of distracted driving compromises safety and will inevitably detract from your reaction speed at red lights or while waiting at stop signs. 

Learn more about responsible driving by contacting ALLConnecticut Insurance. 

What kind of businesses need umbrella insurance?

Umbrella insurance isn’t something that is commonly thought about when you’re trying to set up a business, but it can be one of the most valuable coverages that you’ll ever invest in.  If your business falls into any of these categories, then it may be a good idea to look into umbrella insurance.

  1. Manufacturing. Product recalls can easily put a small or medium-sized business in bankruptcy court. Umbrella insurance policies can provide funds to replace or repair damaged products, as well as additional funds to cover any settlement payment. Some policies are even written so that lost sales and other secondary expenses as the result of the recall are compensated for.
  2. Residential Services. Plumbers, electricians, and general contractors are prone to lawsuits due to the dangerous nature of their work and the high number of clients that they interact with.  Umbrella insurance will cover the costs to hire legal counsel, and can even help to pay off a settlement. Keep in mind that every insurance policy is written so that it can be tailored to the specific needs of each client.  That means that your policy will provide coverage limits that make sense for your specific business.
  3. Retail. Odds are you have a lot of money tied up in your inventory and you rely heavily on foot traffic for the majority of your sales. This can make a natural disaster very dangerous for your business.  While other policies may cover physical damage to your property, only umbrella insurance can provide compensation for missed sales and damaged inventory.

If you’re thinking about an umbrella insurance policy for your business, call the professional insurance agents at ALLConnecticut Insurance. They can help you to craft a policy that meets your needs.