Tips to Help You Stay Focused Behind the Wheel

Try out these suggestions to help you avoid distracted driving.

While most drivers have driven while distracted at some point in their lives, it’s important to remember that distracted driving can have devastating, potentially fatal consequences.  This is why all drivers should make a conscious effort to avoid distractions when they’re behind the wheel.  Here are some tips to help you stay focused as you drive.

Put Away Your Phone

Any time you play with your phone, you are taking your attention away from the road.  This can negatively affect your reaction time or cause you to miss a driving hazard completely.  To avoid the temptation of answering a call or replying to a text, keep your phone out of reach while you’re driving.  If you do need to use your phone for some urgent reason, just make sure you pull off the road first.

Keep Your Passengers at a Minimum

Whether you are dealing with a backseat driver or noisy conversationalists, passengers can be extremely distracting for drivers.  The best way to avoid this distraction is by avoiding driving with passengers.  If this is not possible, do your best to keep the number of passengers you transport at a minimum.

Turn Your Music Down

Finally, while many drivers like to blast their music as they drive, this is not a safe driving practice.  Not only can loud music become disorienting and make it difficult to focus on the task of driving, but it can also drown out the sound of an approaching siren or the warning honk of a nearby vehicle.  To stay focused and safe, make sure you keep your volume turned down.

Try out these tips to help you avoid distracted driving.  Want another way to stay safe while on the road?  Make sure you have the proper auto insurance protections in place.  To find the right policies to meet your needs, contact the professionals at Stromsoe Insurance Agency in Murrieta, California.  Our dedicated team is ready to get you covered today.

How Spring Cleaning Can Help You Avoid Filing Insurance Claims

Find out how doing a little spring cleaning can help you prevent homeowners insurance issues.

Spring is officially here!  If you are like many other homeowners, the start of the new season means that it’s time to freshen up your home with a little cleaning.  While spring cleaning undoubtedly makes your home look better, did you know that it could also make your home safer?  Here are some of the spring cleaning and maintenance tasks that can help you avoid filing insurance claims this season.

Clear Your Gutters

During the winter months, debris can accumulate in your home’s gutters.  If faced with a spring shower, your gutters can become clogged, causing water to overflow and collect on your roof.  This in turn can result in leaks and other water damage to your roof.  If you want to avoid filing a claim for this damage, make sure you clean out your gutters as part of your spring cleaning.

Clean Your Dryer

Over time, lint can accumulate in the vents and tubing leading to and from your home’s dryer.  This lint is extremely flammable and the heat generated by your dryer can be enough to set it ablaze.  If you want to reduce your risk for fire, take care to vacuum out the lint trap, vents, and tubing of your dryer.

Repair Your Walkways

The harsh winter weather conditions might have caused damage to the walkways leading to your home. If your walkways are cracked or irregular, there’s a chance that guests could trip and injure themselves on your property.   If you want to avoid this liability risk, make sure you repair any damaged walkways as part of your spring cleaning routine.

These are some of the spring cleaning tasks that can help you avoid filing homeowners insurance claims.  Looking for the best coverage for your home?  Look to the professionals at Stromsoe Insurance Agency in Murrieta, California.  Our dedicated team is ready to get you covered.  Contact us to get started today.

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Mike Stromsoe, The Insurance Doc, and new teammate Jennifer Smith are ready to draw our next WINNER in the Inspire Happiness By Making A Difference in 2018 Referral Rewards Program!

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The Total Protection Team would like to thank all of our awesome clients and friends for your kind referrals to our team!! Grateful for YOU!!

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Mike Stromsoe and the Stromsoe Insurance Total Protection Team

Common Insurance Terms Made Easy

Here are some of the most commonly used insurance terms defined for your convenience.

Your insurance is difficult enough to understand without the added confusion of unfamiliar industry jargon.  If you’ve struggled with unfamiliar insurance terms in the past, you’re not alone.  To help you set things straight, here are the definitions of some of the most common insurance terms.

Additional Insured – Any person or party, aside from the policyholder, who is added to the policy so that they will receive coverage under the policy.

Claim – A request by the policyholder for insurance compensation.  For instance, if you got into a car accident, you would file a claim requesting your auto insurance to kick in.

Conditions – The portion(s) of an insurance policy that explains the responsibilities of the insured and the insurance provider.

Deductible – The amount the policyholder agrees to pay before insurance coverage kicks in for an insured loss.  For instance, if you assume a $500 deductible on your homeowners insurance and your home was damaged, you would have to pay this amount before your insurance coverage kicked in.

Endorsement – Also known as a “policy rider,” this is any change made to an existing policy that alters, deletes, or adds coverage.

Exclusion – A provision in a policy that excludes or limits certain coverages.

Named Insured – The person or entity specifically covered by an insurance policy.  This person is also referred to as the policyholder.

Named Perils – Also known as specified perils, these are covered hazards that are specifically listed in an insurance policy.

Premium – The amount of money an insurance provider charges in exchange for providing coverage.

Use these insurance term definitions to help you make more sense of your insurance.  Need more assistance with your insurance?  Don’t hesitate to contact us at Stromsoe Insurance Agency.  Located in Murrieta, California, our dedicated team is ready to assist you with all your coverage needs.

Learn More This Multiple Sclerosis Education and Awareness Month

March is National Multiple Sclerosis Education and Awareness Month.

National Multiple Sclerosis Education and Awareness Month is an annual campaign held by the Multiple Sclerosis Foundation to generate public awareness of multiple sclerosis.  The goals of this month are to promote an understanding of the scope of this disease and to help those diagnosed with MS make educated decisions about their healthcare.  In honor of this month, learn more about MS.

What is Multiple Sclerosis?

MS is a chronic neurological condition that affects the central nervous system.  The immune system attacks myelin, the protective layer surrounding nerve fibers.  This causes inflammation and the erosion of the myelin.  Overtime, the damaged area hardens forming a sclerosis.  These bits of hardened scar tissues can develop at multiple sites throughout the central nervous system.  This scarring disrupts the transmission of nerve signals that the brain uses to communicate with the rest of the body.

What are the Symptoms of MS?

The two most common symptoms of MS are fatigue and difficulty walking.  The fatigue can easily become overwhelming, making it difficult to perform even routine tasks.  Difficulty walking can occur due to a number of reasons.  For instance: numbness of the legs or feet, difficulty balancing, muscle weakness, and muscle spasticity.  Other common symptoms include speech disorders, tremors, cognitive issues involving concentration, memory, and problem solving, and acute or chronic pain.

This National Multiple Sclerosis Education and Awareness Month, make an effort to learn more about this disease and find out how you can do your part to spread awareness for it.  Are you looking for assistance with your insurance this month?  Don’t hesitate to contact the experts at Stromsoe Insurance Agency in Murrieta, California.  Our dedicated team is ready to assist you with all your insurance needs today.