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Sharing the Road: The Do’s & Don’ts for Cyclists & Drivers

Streets and roads are not the exclusive domain of motor vehicles. In some areas, it contains cyclists as
well as pedestrians. Prioritizing safety for everyone is paramount. Increased awareness of cyclists’
presence fosters a culture of mutual respect and caution. We can create a safer and more inclusive
environment by respecting all road users and advocating safety measures.

The Do’s for Cyclists

Cyclists should heed the following tips to prevent accidents:

  • Wear proper safety gear: Always wear a helmet and reflective clothing to increase visibility and
    protect yourself in case of accidents.
  • Follow traffic laws and signals: Obey traffic signs and signals, including stopping at red lights
    and yielding to pedestrians and vehicles when necessary.
  • Use hand signals to indicate turns: Signal your intentions by using hand signals to communicate
    with drivers and other cyclists, making your movements predictable and reducing the risk of
    accidents.
  • Look out for pedestrians: Be mindful of pedestrians crossing the road or using designated paths.
    Yield to pedestrians at crosswalks and give them ample space when passing to ensure
    everyone’s safety on the road.

The Don’ts for Cyclists

Cyclists should take proactive steps to reduce the likelihood of injury in a traffic incident:

  • Avoid riding against traffic: Always ride in the same direction as the traffic flow, staying on the
    right side of the road. Riding against traffic increases the risk of collisions and confuses drivers.
  • Don’t assume drivers can see you: Even if you have the right of way, never assume that drivers
    see you. Make eye contact with drivers to help them anticipate their actions and avoid
    accidents.
  • Avoid distractions like headphones: Stay focused on the road and your surroundings by
    avoiding distractions like wearing headphones or using electronic devices while cycling. Being
    alert and attentive can help you react quickly to potential hazards and prevent accidents.
  • Don’t ignore traffic signals: Respect traffic signals and signs, including stop signs, red lights, and
    yield signs. Ignoring traffic signals increases the risk of accidents and undermines cyclists’
    credibility as legitimate road users. Always adhere to traffic regulations to ensure your safety
    and the safety of others on the road.

The Do’s for Drivers

Due to the unique dangers associated with driving a car, drivers must take special care to facilitate
safety on the road. To optimize road safety, drivers should follow these tips:

  • Respect cyclists’ space on the road: Give cyclists enough room to maneuver safely and avoid
    driving too closely behind them. Treat cyclists as you would any other vehicle on the road.
  • Yield to cyclists: Yield to cyclists at intersections, especially when turning right or left. Be patient
    and allow cyclists to pass through before proceeding.
  • Give cyclists ample space when passing: When overtaking cyclists, provide them with sufficient
    space by moving into the adjacent lane if possible. If not, ensure a safe distance of at least three
    feet when passing.
  • Look out for pedestrians: Watch for pedestrians crossing the road, especially near intersections
    and crosswalks. Yield to pedestrians and give them the right way to ensure their safety.

The Don’ts for Drivers

The risk of injury when driving a car is associated with speed, vehicle weight, and driver behavior.
Drivers should avoid the following to prevent accidents:

  • Don’t drive aggressively around cyclists: Be patient and respectful when sharing the road with
    cyclists. Avoid aggressive maneuvers such as tailgating or sudden lane changes that could
    endanger cyclists.
  • Avoid distractions like texting while driving: Keep your focus on the road and avoid distractions
    like texting, making phone calls, or adjusting the radio while driving. Distracted driving increases
    the risk of accidents involving cyclists and other road users.
  • Don’t drive after consuming alcohol: Never drive under the influence of alcohol or drugs.
    Impaired driving significantly impairs your ability to react to unexpected situations, increasing
    the likelihood of accidents with cyclists and other vehicles.
  • Don’t park in bike lanes: Respect designated bike lanes and avoid parking or stopping in them.
    Blocking bike lanes forces cyclists to merge into traffic, increasing their vulnerability to
    accidents. Always look for designated parking areas to avoid obstructing cyclists’ paths.

Sharing the Road for Safer Streets

Understanding and accommodating each other’s needs can prevent accidents and promote harmony on
our roads. Unfortunately, accidents might happen despite your best efforts to maximize your safety.
That’s where personal insurance comes in. Our agents are here to help by providing personal insurance
products and solutions tailored to your needs. Call your local agent today to ensure your safety and
peace of mind on the road.

5 Boat Safety Tips for the Summer

When people are out boating in the summer, safety can sometimes take a backseat to pleasure. This could be a tragic mistake. In 2020, there were 5,265 boating accidents in the U.S., causing 767 fatalities and 3,191 injuries, as reported by the U.S. Coast Guard (USCG). Enjoy the sun and the water but keep the following boat safety tips in mind.

Don’t Drink While Boating

Alcohol consumption is a major contributing factor in fatal boating accidents. It was the leading factor in 18% of boating deaths in 2020. It is well known that drinking and driving is dangerous. Consuming alcohol can be even more hazardous on the water than on land because the marine environment (wind, waves, sun, vibration) can accelerate an operator’s level of impairment.

Additionally, it is illegal in all 50 states to operate a boat under the influence of alcohol. The legal limit is .08% — the same for operating a boat as driving a motor vehicle on land. The Coast Guard enforces a federal law prohibiting boating under the influence (BUI).

Wear a Life Jacket at All Times

Life jackets save lives. As stated by the Coast Guard, 75% of victims who died in fatal boating accidents in 2020 drowned. Although some state laws only require that life jackets be accessible, not worn, it is much safer to wear them. You may not have time to reach for and put on a life jacket before disaster strikes in a sudden boating accident. With the thin, flexible, compact life jackets available today, there is no reason not to wear one on the water.

Watch Out for the Propellers

The Coast Guard reports 247 boating accidents in 2020 in which a propeller struck at least one person. Accidents involving propellers caused 39 deaths and 241 injuries. Before starting the engine, it is essential to ensure all passengers are accounted for and no one is in the water near the boat. Watch children carefully and do not allow them to sit where they could fall near the propellers.

Perform a Boat Safety Check

Before you set out:

  • Do a routine safety check of the boat.
  • Make sure you have a full tank of gas.
  • Check engine oil and transmission fluid levels.
  • Ensure your battery is fully charged and electronic and other components are in good working condition. The boat should be stocked with safety equipment, including a fire extinguisher, boat lights, extra batteries, cell phone, flares, maps, and a first aid kit.

Pay Attention to the Weather

Before you leave the dock, check the local weather and the forecast for your destination. Always have a radio onboard. Keep an eye out for inclement weather, and get off the water as soon as possible if dark skies, wind shifts, choppy water, or lightning appear.
Our agent can help you find the best rates on the boat insurance coverage you need.

Heading Out of Town? Remember These Driver Safety Tips

Americans love their road trips and head out in vast numbers to visit relatives, camp, fish, hunt, visit resorts and theme parks, or enjoy our beautiful country. Before you leave town on your road trip, take the time to review these driver safety tips – they could save a life.

A Vehicle Check-Up
Before any long trip, ensure your vehicle is in top running condition. Have a professional mechanic check the brakes, lights, windshield wipers, and the condition of your tires, and other systems so you are less likely to have a breakdown or be involved in a dangerous accident.

Prepare for the Weather
Every region of the USA has unique weather conditions, from unbearable heat in the South, to rain, snow, and ice in the North and East. Wherever you plan to travel, take the weather conditions into account. Encountering a blizzard while traveling to visit family for a holiday can be a frightening experience, particularly if you are unfamiliar with winter driving conditions.

A significant percentage of auto accidents occur in inclement weather. Ensure you are equipped for any weather you may experience by bringing flares, extra blankets, water, and food. If you encounter severe weather conditions, pull over, or stop for the night rather than trying to reach your destination. If you are in an accident with another vehicle or your car, SUV, or van breaks down, it could be many hours before help arrives.

Emergency Supplies
Never leave on a road trip without emergency supplies in your trunk or in your vehicle. These would include a portable cell phone charging device, flashlight, blankets, flares, water, imperishable food such as protein bars, and a first aid kit. A small shovel can prove to be a lifesaver if you are stranded in a snowbank. Always ensure that if your vehicle is running, that the tailpipe is free from snow to avoid the risk of exhaust fumes entering your vehicle while you try to stay warm.

Get Enough Sleep.
Driving long distances takes energy and focus. Never start a road trip without ensuring you have had enough sleep. If you get tired during your travels, don’t push it – pull over and rest. Drowsy driving is as dangerous as drunk driving, as reported by the NHTSA.

Follow the Rules of the Road
You may want to get to your destination as fast as possible, but ensure you are aware of the speed limits and follow the rules of the road. The speed limits posted are not safe in harsh weather, so slow down. Always use your signals to change lanes and be particularly careful if you are on a highway with many commercial trucks. Be a road safety fanatic.

Children and Vehicle Safety
If you have young children, it is natural that they are easily bored on long road trips. Ensure that they are safe and snug in an approved car seat, and if they need a break, stop – but keep them secured in a car seat while the vehicle is moving, in every case.

Ensure Your Insurance is Up to Date
Your personal insurance policies can be a lifesaver when something goes wrong. If you are planning a road trip, we invite you to meet with one of our local agents to review your coverage and make sure you have all the insurance you will need if an emergency occurs while on the road or away from home.