According to experts at the National Highway Traffic Safety Administration (NHTSA) and AAA, significant numbers of traffic accidents on New Year's Eve involve drunk drivers, and there are more pedestrian fatalities on New Year's Day than any other day of the year. So, if you will be driving on either day or night, be sure to exercise extra caution whether or not you will be drinking alcohol.
If you're planning a night out on the town or just a party at a friend's home and you plan to be drinking alcohol, you'll want to plan ahead to best protect yourself and your property. Here are a few tips to help you stay safe:
If you plan well, you will be able to enjoy the festivities, confident that you'll arrive home safely.
If you accept the responsibility of being your group's designated driver for the night's festivities, you'll want to be sure that your vehicle is in good working order and that you know in advance that your #AutoInsurance policy has you covered for transporting passengers in this situation. If you have not done so in a while, review your policy with your Insurance Agent to be sure.
Feel free to contact any of our very capable and experienced agents at the William M. Sparks Insurance Agency here in Lutherville/Timonium, MD to discuss your insurance questions. We can help you review your current insurance policy and explore your options to be sure you have the best coverage and protection according to your circumstances.
As shoppers grow weary of braving the cold and standing in long lines to buy this year’s hot products, those who are computer savvy are increasingly opting for the convenience and great deals that they find online.
The result is the rise of Cyber Monday. Even those who venture into the mall on Black Friday or small business Saturday welcome the following Monday as a time to log on to the internet and see what sales are taking place to finish or perhaps start their shopping.
Unfortunately, cyber criminals know this and are finding that targeting victims online is not only easier but does not pose as much risk as capturing shoppers’ ID information and scamming them at the mall or on the phone.
In fact, the Identity Theft Resource Center (ITRC) cautions that shoppers will likely face a variety of risks during this holiday season, such as the following.
· Falling prey to online deals even though they seem “too good to be true”.
· Paying for purchases with debit cards instead of credit cards, thus putting not only their credit card accounts at risk but their bank accounts as well.
· Not choosing secure online networks and instead being vulnerable to identity theft by using public Wi-Fi networks to make purchases online.
While Cyber Monday is indeed a favorite holiday for hackers, identity thieves, scammers and other cyber criminals, the danger exists throughout the shopping season and indeed the year. There are some steps you can take to secure your identity and still enjoy the ease of shopping online.
Even with your best efforts, you might still fall victim to cyber crime and possibly to identity theft. So before you begin your online shopping, it is wise to check with your insurance agent to discuss Identity Recovery insurance which can often be added to your Homeowners insurance or Renters insurance. Find out what coverages and services are available to you and see how affordable this protection can be.
Feel free to contact any of our very capable and experienced agents at William M. Sparks Insurance Agency in Lutherville / Timonium, MD to discuss your home insurance questions. We can help you review your current insurance policy and explore your options to be sure you have the best coverage and protection according to your circumstances.