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3 months ago · by · 0 comments

Virginia Road Rules

A quick rant about basic Road Rules

WHY must people sit in the fast lane and drive slow??? Everyone knows (or SHOULD know) that the left lane is for passing. Sure, if there’s a lot of traffic in the right lane, you could ride in the left. But at least do the speed limit for crying out loud, and move back over to the right when you’ve gotten past the cars. PLEASE! I’m begging you from the tread of my tires. Road Rage happens for a reason. People get frustrated, do stupid things, then cause accidents.

Now that I’ve gotten THAT off my hood, let’s talk about some other rules of the road that you might need reminding of. Every time you get behind the wheel, you accept responsibility for your actions. You must obey Virginia’s traffic laws, and ensure the safety of you, your passengers, and other motorists, pedestrians and bicyclists on the roadways.

Teddy Bear buckled with safety belt in a car

Seat Belts

Under Virginia law, the driver and all front seat passengers must wear safety belts. A driver transporting anyone younger than age 18 must ensure that the passenger is properly secured in a safety belt, booster seat or child safety seat no matter where the child is seated in the vehicle. Believe it or not, there are some states that do not have a seat belt law. New Hampshire has enacted neither a primary nor a secondary seat belt law for adults. That may be because of their “Live Free Or Die” mentality 🙂 They don’t have a helmet law either.

Turn Right On Red After Stop

In Virginia, we can turn right on red after stop (UNLESS there is a sign that specifically says you can’t). That means if you come to a complete stop at a red light and you’re planning to turn right, you look to your left and if it’s clear, you can proceed. It’s a GREAT rule and terrific timesaver. I will say however, not ALL STATES have the ‘right on red’ rule. New York, for instance, does not allow you to turn right on red after stop.

 Where Do I Put My Hands?

Is it 10 and 2? 1 and 7? Of course you’ll hear different things, but most people just put their hands on the steering wheel however it feels comfortable to them. The DMV says “Sit straight but relaxed and place your hands on the steering wheel. If your steering wheel were a clock, your hands should be at the 8 o’clock and 4 o’clock positions. Hold the wheel with your fingers and thumbs. Avoid gripping it with your palms.” So there you have it. 8 and 4.

The Virginia Driver’s Manual will help you learn and understand safe driving practices. CLICK HERE to get it.

We love Virginia. So much variety in it’s terrain. We have Mountains and Rivers; Bays and Ocean; white sands and red clay; green grass and pale yellow straw. You get the picture. Drive safely and take care of yourself and your family! And if you need insurance from a Virginian Insurance Agency, well, we MIGHT be ABLE to recommend someone!

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3 months ago · by · 0 comments

Reasons You Need Car Insurance

If you own a car in Virginia, you must have car insurance to drive it. That’s a fact, and happens to be the very first reason you need car insurance on this top 10 list. HOWEVER, auto insurance is mostly about protecting you financially if something goes wrong involving your vehicle.

Take a look at the top 10 reasons you need car insurance:

    1. It’s the law. In almost every state, including Virginia, you must at least have liability car insurance or you’ll face criminal fines. Repeated offenses could lead to the loss of your driver’s license and even a jail sentence. As far as reasons go, jail is a pretty you need car insurance, don’t you think?
    2. Your car is an important asset. For many people, a car is the second-most-expensive purchase they will make in their lives, next to the purchase of a home. Vehicles are essential not just because they’re expensive, but also because of the service they provide to families. Car insurance is a way to protect that important asset.
    3. car accidentallyNo New Car For You!  If you try to purchase a new car that includes a loan, you won’t qualify if you don’t have a full auto insurance policy.  Beyond that, you won’t be able to lease a vehicle either.  Your lender will always want to be paid. If you have an accident and can’t afford to get your vehicle repaired because you don’t have car insurance, the company that provided you a car loan won’t stop asking for monthly payments. Car insurance is one way to help ensure that you can continue to make your car loan payments.
    4. Cars get you where you need to go when you need to get there. If you decide to skip auto insurance and then get into an accident and sustain damage you can’t afford to repair, you’ll still need to get to work and make other necessary daily trips. Car insurance helps pay for car repairs so you can get where you need to go when you need to get there. Or, you could take a bus.
    5. The cost of a major accident. One of the many important roles of car insurance is the money for medical costs of people who are injured in accidents that are your fault. Of course, that includes any injuries you may suffer as well.
    6. Provide legal protection. There’s absolutely nothing stopping someone from suing you after an accident, even if the accident was THEIR fault.  Auto insurance gives you a buffer between legal claims and your wallet. That includes providing an attorney to handle any lawsuit stemming from a lawsuit over an automobile accident.
    7. Protection from Mother Nature.  You may think this would never happen to you, but what will you do if there’s a lightening strike, hurricane, tornado, or earthquake that damages or even totals your vehicle?  It only takes a tree limb falling on your car from a simple storm and you may be looking at thousands of dollars in damage.
    8. Non-accident protection. Car insurance can also be crucial if your vehicle is stolen or vandalized.
    9. Avoid possible bankruptcy. For many people, the uninsured loss of a vehicle completely turns their lives upside-down. There’s no money for another vehicle, so getting to work on time can be difficult. That can lead to loans or credit card use that could spiral out of control.
    10. PEACE OF MIND.  Because car insurance helps in so many areas, not having insurance can lead to some nerve-racking times just hoping against hope that no other bad news arrives. Able Insurance provides peace of mind with auto insurance, life insurance, home insurance and business policies.

For Auto, Home, or Life Insurance In The State Of Virginia, with offices in

Richmond – 9103 Quioccasin Rd, Richmond, VA 23229 (804) 741-6305 and

Charlottesville – 716 Rio Rd West Charlottesville, VA 22901 (434) 979-0814

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4 months ago · by · 0 comments

Why Your Business Needs Insurance

Owning a small business is a big responsibility.  When you own a business, you have a lot to protect, and the right small business insurance coverage can be important to your continued success. Luckily, there are a variety of coverages to choose from when it comes to protecting your business. Here’s a rundown of the things to consider when it comes to buying your small business insurance policy.

Small Business Property Insurance Coverage

Perhaps the most obvious reason to purchase small business insurance is to protect your tangible investment—from your merchandise to the tools you use to make your business work. What would you do if, for example, a fire destroyed your place of business, making your equipment unusable and your products unsellable? The property coverage in a business insurance policy can help protect the physical property of your business against certain causes (they vary and are specified in your policy). This coverage may protect the actual building in which your business is housed, as well as inventory, equipment, furnishings and other property you have there. According to the Insurance Information Institute (III), it may also cover other costs, such as equipment breakdowns or the cost of removing debris after a covered loss.

Small Business Liability Insurance Coverage

No matter how careful you are, you may find yourself in a variety of situations that could result in a lawsuit against your business, so it’s a good idea to be prepared—just in case. The U.S. Small Business Administration (SBA) outlines three types of business liability coverage: General liability coverage: This type of coverage protects you in case you are sued because of accidents, injuries or claims of negligence. For example, if someone is injured on the premises of your business and files a lawsuit against you, this type of coverage may (depending on the situation) help cover some of the related costs. Product liability coverage: If your company manufactures or sells a product, this type of coverage may come in handy. It protects you in case your product is defective and causes injury or damage. Professional liability coverage: Businesses that provide services often purchase this type of coverage, which protects against errors and negligence. One example, according to the SBA, is the malpractice insurance that doctors are required to carry.

Small Business Insurance Coverage Relating to Employees

Depending on the number of employees you have, as well as other factors, there may be additional insurance considerations. Employment practices liability coverage, for example, helps protect you in case a former employee files a groundless claim against your company. Also, all states except Texas require businesses with a certain minimum number of employees (at least three to five, depending on the state) to have workers compensation coverage, which may help protect them in the event that an employee is injured on the job.

business insuranceSmall Business Insurance Coverage for Business Vehicles

Just like your personal car, your business’ vehicle needs to be protected. Business auto coverage is available to help protect your company against liability arising from accidents in your company’s vehicle, as well as other features, depending on the policy.

Small Business Data Compromise Insurance Coverage

Data compromise coverage, or data breach coverage, is another way to protect your business. This type of coverage helps protect against any associated legal or other costs in the event that personal data of employees or customers is stolen or accidentally released by your company.

Other Considerations

As you shop for a small business insurance policy, there are many things to think about. If you run your business from home, for example, your homeowners insurance policy typically offers limited or no coverage for business-related property, such as supplies, tools or customers’ items stored for repair, or for business-related liability. So, it may be a good idea to consider purchasing a business insurance policy. In addition to the coverages described above, there may be even more business insurance options to consider. A conversation with your business insurance agent can help you determine the best way to protect your company.

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434 979 0814

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804 741 6305

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