Tricks for Better Halloween Treats

Halloween is a great time for our kids to be kids, but it’s also a great time for us to teach them some important life lessons. 

Who doesn’t love Halloween? A time in which we get to dress up as our favorite character and hang out with our friends and family. As children, we would go house to house and shout, “Trick-or-treat!” After collecting a pillow’s case worth of candy, we’d head back to our house and start consuming at an alarming rate. Only a few hours later, our bodies–injected with more sugar than it knows what to do with–react and we head straight for the bathroom and spend the night hugging the toilet. To avoid from having your children do the same, take these Halloween treat safety tips.

Halloween Treats Safety Tips

Say Yes to Candy (at Least Some Candy)

This is a great time to teach your children about some important life lessons that will stick with them for a long time. Everything in moderation and the concept of “delayed gratification.” If they eat only a bit of candy at a time their candy will last longer into the year, as opposed to eating all their candy now and having it last only a few days.

Tiny Treats for Tiny Tummies

Children don’t understand their digestive limits yet. Their eyes are way bigger than their stomach, and the repercussion of sugar consumption is lost upon them. Make sure that if they’re young, their portions are small to keep them healthy.

Kids will be kids of course, and there’s only so much you can do to keep them safe. Do you have the correct health insurance plan for the current and future needs of your children? Contact Stromsoe Insurance Agency for a tailored policy to suit you in California.

A Driver’s Guide to Commercial Auto Insurance

As a business owner, you may expect your car to be covered under all crash circumstances but the reality could not be more different. 

Business owners are busy people who have to take meetings and run errands to keep their business alive. This goes double for small business owners. Your auto insurance policy will cover you for personal trips like picking up groceries or driving to a museum, but won’t cover you for business-related trips. So if you’re visiting clients, or running some errands, you may want to think about a commercial auto insurance policy for you, your employees, and your business.

You Need Commercial Auto Insurance If . . .

You take meetings with clients. Driving to and from meetings may be a part of your daily routine, but the fender bender you may find yourself in surely isn’t. Not only does this mess up your schedule, it also isn’t covered by your auto insurance. In this case, a commercial auto insurance covers you.

Your employees run errands. You may think that this is a win-win: you get to give your employee a break from the office, and you get your errands done without leaving your office chair. But if they are to get into an accident, you may find yourself in more trouble than you’d like. Because they were driving for business purposes, it’ll likely be your business that’s held liable. Again, a commercial auto insurance protects you and your employees.

When it comes to protecting your California business, having the right team of insurance experts behind you can give you the peace of mind that you deserve. Contact the experts at Stromsoe Insurance Agency for all of your commercial insurance coverage needs. We will work with you to ensure you have the right amount of protection, all at the right price to fit your budget.

What to Do After a Car Accident

Car accidents can be stressful, so it’s best to brush up on post-collision protocol now while you’re sane and level-headed. 

Car accidents can leave us stressed and dizzy. It’s because they are unexpected–and the fact that a two-ton piece of metal just smashed into you–is what leaves us stressed out. The stress of the accident may not allow you to look up “what to do after a car accident”, so it’s best to do it now while you’re sane and level-headed. Here is the post-car accident protocol you should follow after a traffic collision.

1. Pull Over – If your cars are able to move, get to the side of the road–out of the way of traffic. This is important for two reasons: 1) You’re out of the way from oncoming traffic; 2) The thousands of people behind you shouldn’t have to sit in traffic because of your mistake. If your cars can’t move, then activate your hazard lights to alert the other drivers your cars aren’t going anywhere.

2. Check on the Other Drivers – Make sure that everyone is okay and call 911 if anyone has been injured. Even a small bump on the head can be fatal.

3. Gather Necessary Information – All of these things will make the claims process much, much smoother.

  • Names of all drivers and passengers
  • Insurance info
  • License plate numbers
  • Makes and models of all cars involved
  • Contact information of eyewitnesses
  • Geographical location of the accident
  • The name and badge number of any responding police officers
  • Photograph the accident with your phone

4. Call Your Insurance Agent – After the accident and having made sure that everyone is okay, be sure to call your insurance agent and file a claim. A good insurance agent will walk you step-by-step through the whole thing.

Knowing the right protocol is useless if you don’t have the policy to take care of you. For all of your auto insurance needs in California, be sure to contact Stromsoe Insurance Agency. We are more than happy to help you get the coverage you deserve!

OCTOBER 2016 ISSUE OF THE PROTECTION COACH

The October 2016 update of Mike Stromsoe’s The Protection Coach® has arrived.  This issue is jam-packed with all the latest news and tips for clients and friends of Stromsoe Insurance Agency.

The Protection Coach® – October 2016 (Click here to download)

Inside this edition..

  • Halloween Fun From Our Families to Yours
  • How are routers used in your home network?
  • What is term life insurance?
  • Breast Cancer Awareness Month: Get Involved & Show Your Support
  • Congratulations to our most recent 2016 ‘G’ is for Gratitude Referral Rewards Winner, Tim Redmond of Fallbrook Motors Service Center!!!

The Stromsoe Insurance Total Protection Is Thinking Pink The Entire Month of October in Honor of All Those Who Are Fighting Breast Cancer and In Memory of All Those Who Have Lost Their Lives Fighting Breast Cancer…  Get Involved, Show Your Support and Help Make A Difference!

Safety Towing Tips

Towing is something that you may have to do eventually to carry various items that don’t fit in your car or truck, here’s how you can tow safely.

People love to take camping trips in the summer and fall. They are the perfect camping climate because you can huddle around the warmth of a campfire and sleep snuggly in your trailer. But how do you get your trailer to the camping grounds in the first place? Or perhaps you’re moving and your things don’t fit in your car, so you have to rent a separate moving apparatus to attach to their truck. Many choose the option to simply tow it and some experience the consequences of not doing it safely.  Here are some safety towing tips to keep you and your vehicle safe.

  1. Consult your car’s owner’s manual. Written in the manual is the weight limit that your vehicle can haul. This weight limit includes the entire weight of the car, including the people, other things in the car, and whatever you may want to tow. Be sure to not exceed this weight limit as you can do some serious damage to the car.
  2. Follow the pre-tow procedure. 
    – Check the tire pressure on your truck and the trailer.
    – Make sure the hitch is secure and the safety pin is in place.
    – Make sure the trailer’s lights are working: taillights, brake lights, and turn signals.
    – Raise and lock the trailer jack, tongue support and stabilizers.
    – Check your visibility. If you can’t see around the trailer, install extension mirrors.
  3. Properly connect safety chains. The chains shouldn’t be extremely tight, in fact, they should have a fair amount of slack between the trailer and the truck. They should also crisscross under the trailer tongue.

For all of your auto insurance needs in California, be sure to contact Stromsoe Insurance Agency. We are more than happy to help you get the coverage you deserve!