Do You Know The Headlight Wiper Law?

Rain, fog and snow make it difficult to see the road and other cars. Turning on your headlights during inclement weather helps you see better and helps other cars see you.

 

 

On Dec. 1, 2006, the Pennsylvania General Assembly enacted the headlight wiper law, section 4302 of the Pennsylvania Code. It went into effect Jan. 29, 2007. The intention of the law is to make vehicles more visible to one another in inclement weather

  The Law

The headlight wiper law states that a driver must turn on his headlights whenever he is using his windshield wipers continuously or at intervals in response to rain, snow, sleet, fog, mist or other weather condition.

Type of Violation

This law is considered a primary offense, meaning a driver can be pulled over and ticketed solely for not following the regulation.

The Fine

A ticket for violation of the headlight wiper law in Pennsylvania is $25. However, with fees and other costs associated with the violation, the total paid can approach $100.

Do You Have Pot Hole Insurance?

Did you know that  there are approximately  500,000 insurance claims for pot  hole damage  a year? 

Pothole damage to your vehicle can easily be extensive. Damage to the vehicle’s tires, hub caps, struts, and alignment can quickly add up leaving some drivers with repairs up to a thousand dollars or more.

A pothole damage claim is a  single car accident, which is filed as an  at fault  accident by your insurance carrier. Hitting a pot hole is considered a  collision. Your collision deductible will apply, and your rates could go up at your next  renewal  due to filing a claim.   Sometimes the damage sustained is a lower dollar amount than your deductible, which would make filing a claim irrelevant.

Do You Really Want to File A Claim?

Do a little research to see if the road commission in your area pays for pothole damage to vehicles. First determine if the road is a city, county, or state road. Depending on the area you live in, it is possible to get reimbursement. Of course it can be a lengthy process, so be prepared to pay the cost upfront.

Tips for city, county, or state pothole damage reimbursement:

• Take a photo of the pothole
• Note the date and time of accident
• Get a two estimates

Why RoadSide Assistance ?? Why NOT???

It can be a major inconvenience when you really need to get somewhere and you’ve  find   you have a flat tire.... Or you’re out of gas..... Or your car just won’t start.
 

 Roadside Assistance is  like having your own personal pit crew 24/7.

Some  people pay a substantial amount of money to other companies for coverage that they  may already have or can get  with their car Insurance.

 • Here are some conditions  which should make  you consider   roadside assistance:
The  $5-10 a month it may cost is definitely worth the peace of mind!

• * If you drive to work

• * If you drive long distances to work

• * If you drive in inclement weather

• * If you drive an older car

• * Your vehicle  has a history of maintenance problems

• * You bought a used vehicle  and don’t know its full history

• * If you have no clue on how to fix or maintain your vehicle

• * If you enjoy peace of mind

With winter coming, we  encourage everybody to call their insurance company to a roadside assistance.

Do You Wear Your Seat Belt?

You MUST  buckle up. It's The LAW!

 How many times have you been reminded that you must wear the seat belt? Still, MANY  drivers and passengers do not heed to the warning (or obey the law).

 There are no shortages of excuses: I do not like it, I drive only a short distance, I do not have time, it always slips my mind,  I do not want people to control me, and the list can go on.

Unfortunately, statistics is on the side of the seat belt.

The seat belt can reduce injuries by around 50% and fatalities by up to 70%. If you are thrown out of the car, you are 25 times more likely to get killed than staying in the car. A large number of injuries are caused by being crushed by passengers not wearing the belt, and, get this, in the US about 80% of children are immunized yet only about 10% of them are properly restrained!

Here are  a few compelling  reasons to buckle up:

• Self protection. The seat belt does protect you from frontal as well as side impacts (unlike the airbag) and it will be your guardian angel to make sure you will not be thrown out of the vehicle. 


• Child protection. It may come as a surprise but many children get injured and killed by adults who do not wear the belt and crush them during a car crash or other form of accident. You have the obligation to exercise the same standard of care for your children as you would exercise for yourself. 

Wearing the seat belt for protecting yourself or your passengers, children in particular, is not only an issue of safety, it is an issue of responsible social conduct that requires you to exercise reasonable care.