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Car Accidents - Don't Risk It

5/21/2015

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3 Easy Ways to Reduce the Risk of a Car Crash

The end of the school year is near, summer is right around the corner, and the warmer weather often prompts the people of Colorado to hop in their cars for weekend (or longer) road trips.

Unfortunately, too many of those trips will end up being memorable for the wrong reasons, due to crashes and other risks that drivers face anytime they hit the road.

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You can take control of your next trip, whether it’s across the state or across town, by following these simple rules:

1.       Pay attention. Do you know how many drivers around the country are using cell phones or other electronic devices right now? If it’s daytime, the answer is approximately 660,000, the National Highway Traffic Safety Administration says. Anything that takes your eyes off the road or distracts you increases your risk of a crash. Here’s another reason to avoid distractions: If you’re completely alert, you have a better chance of steering clear of that guy who is shaving on his way to work.

2.       Stay sober. One bad decision can change lives forever, and driving under the influence is an extraordinarily bad decision. Nearly 15,000 died in 2012 in crashes involving impaired drivers, according to the National Safety Council (NSC). So get a designated driver — or better yet, be a designated driver. Best of all, have the party at your house and let everyone sleep over.

3.       Slow down. They say “speed kills,” and, as depressing as it sounds, it’s true. Crashes caused by excessive speed cause more than 10,000 deaths a year on average, the NSC says. Surprisingly, you are most at risk on roads where the speed limit is 55 mph or below. Remember, the posted speed limit isn’t always the best speed to travel. Depending on conditions, going slower might be the safest option.

Improving safety on the roads isn’t rocket science. Just a little common sense can make a big difference for you, your passengers and your fellow drivers. So be alert and be safe out there on the roads here in Colorado Springs, or wherever else your travels may take you this summer.

ALINK Insurance Services cares about your safety! Give us a call at any of our offices listed below with any of your insurance questions or needs.

Denver Metro/Parker: 303-752-6479
Colorado Springs: 719-473-6262
Greeley: 970-475-0900
Surrounding States: 877-643-6148

Bring on the SUN!


Photo by memecenter.com/olmec
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Understanding Auto Coverage

5/14/2015

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Cars, cars, cars.  We all drive them, and if you're anything like my family you drive them A LOT. Add a few kids with driver's licenses into the mix and you start to feel like you're running a parking garage in your driveway.

No matter how many cars you own, or what kind of car you drive, auto insurance coverage is a necessity. Some types are required, others are optional, but it's important to understand them all because they provide protection against several types of risk.

This info-graphic from the Insurance Information Institute covers the basics.

Infographic: Types of Auto Coverage | III.
Have questions about auto insurance coverage? Give us a call at ALINK Insurance Services! 

Denver Metro/Parker: 303-752-6479
Colorado Springs: 719-473-6262
Greeley: 970-475-0900
Surrounding States:
877-643-6148

We're your link to security!
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Home Efficiency

5/6/2015

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Is your home as efficient as it could be?

Drafty windows. Leaky faucets. Dirty air filters.

All are common issues and they’re not only annoying — they also cost you money in decreased energy efficiency and higher utility bills.

Would you like to save $200 to $400 a year on your energy costs? That’s how much the U.S. Environmental Protection Agency’s Energy Star program estimates that homeowners can save by incorporating technologies to make their homes operate more efficiently. 
Of course, helping to protect you and your family is our goal at ALINK Insurance Services, and keeping your home well-maintained usually means your home will be safer as well. Several of the tips below from the National Association of Home Builders will help you accomplish both.

 
Do a home-energy audit. Making your home more efficient can seem like an overwhelming task. But “auditing” your energy efficiency is something you can do yourself, and it’s relatively simple. This will show you where your home loses energy, how efficient your heating and cooling systems are, and ways you can decrease your electricity use. Just inspect the areas listed here and note the problems you find.

Where’s the air? Air commonly “leaks” from homes through gaps around baseboards, electrical outlets and windows or doors. Stopping these drafts can save up to 30 percent of your yearly energy costs. Be sure to check your home’s exterior as well, paying particular attention to areas where two different building materials meet. When you find leaks, seal them with caulk or weather stripping.

Don’t wait … insulate! Check to see if the amount of insulation in the ceiling and walls is sufficient. Your attic door should be insulated and close tightly. For walls, make a small hole in a closet or other inconspicuous place and probe into the wall with a screwdriver — the area should be completely filled with insulation.

Do a systems check. Efficient heating and cooling systems can save you frustration as well as money. Make sure ducts and pipes are insulated properly, and have your equipment checked and cleaned by a professional each year. Filters for forced-air furnaces should be replaced as soon as they are dirty, or every 30 to 60 days.

Let there be (efficient) light. Lighting can account for up to 20 percent of your home’s total electricity use, so consider compact fluorescent lamp (CFL) bulbs, which last longer and use far less energy than incandescent bulbs.

The only thing left to do after you complete your audit (and make any necessary changes)? Figuring out how to spend the money you’ll save each year! Add on the potential insurance savings through ALINK Insurance Services and that money will be burning a hole in your pocket.


Give us a call!

Denver Metro/Parker: 303-752-6479
Colorado Springs: 719-473-6262
Greeley: 970-475-0900
Surrounding States: 877-643-6148


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