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4 weeks ago · by · 0 comments

How to avoid insurance increase after accident?

How to avoid insurance increase after accident

How to avoid insurance increase after accident?

You cannot avoid increasing your policy after a car accident. But there are several things you can do to reduce the increase.

The increase depends on several factors. Which insurance company are you with and how much damage was caused.

In most cases, your policy will not increase if you are not responsible for the accident. Because the costs are not deducted from your policy.
But you can count on an average increase of about 40%.
Also take into account that we are talking about one damage within 3-5 years.

How long does an accident stay on your record?

Insurance companies mainly look at the last three years. With some, it is possible for this time to be up to 5 years.

What to do?

1. Talk to your insurance company about the possibilities you have with them. There are many options to meet you.
2. Request a policy from another insurance company. Best with a broker that has several carriers available.
3. Reduce your coverage. Consider this as a last resort. You never know what can happen the next day. You could find yourself in bigger trouble than increasing this policy.
4. Take advantage of other discounts. There are many options for how we can save you money. By combining policies, various discounts offered… We work with more than 100 carriers. We will probably be able to arrange something for you. Fill out the form below and explain the situation.
 
Read the best thing you can do for yourself in the article: How to avoid car accidents?
 

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How to avoid insurance increase after accident

I want to reduce my car insurance after an accident.

Save money by comparing insurance quotes from multiple carriers or get better coverage.

Contact details:

Protecting your future

Whatever your needs, give us a call, have you been told you can’t insure your risk, been turned down, or simply unhappy with your current insurance? Since 1995 we’ve been providing coverage to our customers, and helping people across United States. 

ALLIED INSURANCE

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Toby Hansen
Agency Inc.


425 South Orange Street
Missoula MT 59801

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Info@THAgency.com 

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4 weeks ago · by · 0 comments

How to avoid car accidents?

How to avoid car accidents

How to avoid car accidents?

The road is a dangerous place.
 
No matter how careful we are, there is always a risk of death. Every year in America, about 40,000 people lose their lives on the road, and 4.4 million people are seriously injured and require medical assistance.
 
Maybe these numbers sound small to you compared to the total number of people in the United States. Consider that it’s like all the people of Alabama getting hurt.
Worst of all, the number one cause of death for children is precisely from car accidents. Because someone had to drive faster than the speed limit? Because someone had to get behind the wheel drunk? Is it worth a child’s life or permanent disability?
 
So the answer to this question would be: act responsibly!
 
It is good to know some facts:
How much time do we need to look at a mobile phone? How long do we need to change the radio station? Shall we write a message?

Did you know that if you drive at a speed of 40 mph, the car will travel 21 yards in just one second. IN JUST ONE SECOND. You never take your eyes off the road. This is the number 1 reason for traffic accidents.
 
The next thing that is devastating is excessive speed. Do you know how much time you save if you drive fast? Almost none. Unless you drive long distances. Is it worth risking your life to save a few minutes of time?
 
And you need to know is that alcohol affects our perception and reaction time. First of all, alcohol is very harmful to our health. Drinking and driving can also be harmful to other people’s health. Don’t let the party end at the hospital or the cemetery.
We all think that if we break the rules of behavior on the road, nothing will happen. This is exactly why so many traffic accidents happen.
 
No matter how careful we are and follow the rules. We can get into a car accident. Isn’t that enough risk? That is why it is important to raise the awareness of all drivers so that we all live to old age in good health.

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Protecting your future

Whatever your needs, give us a call, have you been told you can’t insure your risk, been turned down, or simply unhappy with your current insurance? Since 1995 we’ve been providing coverage to our customers, and helping people across United States. 

ALLIED INSURANCE

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Toby Hansen
Agency Inc.


425 South Orange Street
Missoula MT 59801

Company Information

E-mail address:
Info@THAgency.com 

Home, Auto, Business, Health, Travel and Life 

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4 weeks ago · by · 0 comments

Best insurance

best insurance

Best insurance? How to choose insurance?

Best insurance?

Will bad insurance choices bankrupt you? Will you put a strain on your finances just because you are not an insurance expert? Are you going to spend hours and hours each year researching which insurance offers what?

That’s why thagency does all that for our clients. With an experience of 27 years working with insurance companies, we are very well acquainted with everything that is necessary for our clients to get the best insurance at the best price. We are able to save our clients tens of thousands of dollars a year. Thagency cooperates with the GST software solutions company, where we develop software solutions for insurance companies. This kind of advanced business gives us the opportunity to find the best solution for you.

Because we know where you get the most for your money.

All you have to do is fill out the form and leave the rest to us. The most important thing for our company is your satisfaction.

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Protecting your future

Whatever your needs, give us a call, have you been told you can’t insure your risk, been turned down, or simply unhappy with your current insurance? Since 1995 we’ve been providing coverage to our customers, and helping people across United States. 

ALLIED INSURANCE

Company Information

Toby Hansen
Agency Inc.


425 South Orange Street
Missoula MT 59801

Company Information

E-mail address:
Info@THAgency.com 

Home, Auto, Business, Health, Travel and Life 

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1 month ago · by · 0 comments

The Difference between Life Insurance and Annuities

The Difference between Life Insurance and Annuities

The Difference between Life Insurance and Annuities

When creating your long-term financial plan, consider both life insurance and annuities. Your independent insurance agent can help you choose the right amounts of these financial products for your family’s unique needs.

  Life insurance and annuities both offer death benefits. However, the key difference is this:
 
  • Life insurance helps your family if you die too soon
  • Annuities help them if you live too long

  Life insurance protects your loved ones financially if you don’t live long enough to provide fully for them. Annuities protect you from outliving your life savings.

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Immediate and Deferred Annuities

In the graph below, you’ll learn about the two primary annuity types: immediate and deferred. You can compare them to the most common kinds of life insurance: whole life, and term.

Protecting your future

Whatever your needs, give us a call, have you been told you can’t insure your risk, been turned down, or simply unhappy with your current insurance? Since 1995 we’ve been providing coverage to our customers, and helping people across United States. 

ALLIED INSURANCE

Company Information

Toby Hansen
Agency Inc.


425 South Orange Street
Missoula MT 59801

Company Information

E-mail address:
Info@THAgency.com 

Home, Auto, Business, Health, Travel and Life 

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1 month ago · by · 0 comments

Reasons to Purchase Annuities

Reasons to Purchase Annuities

Reasons to Purchase Annuities

Annuities serve many purposes.

If you’re in a money-saving life phase, you can use deferred annuities to:

  • Meet your income goals for retirement – Employer-sponsored retirement plans like Keogh, 401(k), and 403(b) help many people plan for their retirement years. However, the amounts you can contribute to IRAs and retirement plans are limited; they may not be enough to support you in retirement. If you began saving late for retirement or you stopped making contributions for a time (because of career changes and family situations), you may want to make up for lost time. Annuities can help you if you have defined-benefit type of pension (if applicable) and your Social Security doesn’t provide you with enough to retire. Remember – inflation will erode your pension income’s purchasing power.

  • Diversify your portfolio of investments – Investment experts say you can get the best returns at your chosen risk level by diversifying your investments in a variety of different asset classes. Fixed annuities act as a unique class of assets; these investments are guaranteed to not decrease in value and increase at specified rates of interest. These guarantees are provided by insurers’ claims-paying abilities.

  • Manage your portfolio of investments – Investment experts advise people that investing in a number of asset classes can get them too far away from their preferred percentage allocations. To “rebalance” a portfolio to its original formulation, you can shift funds out of faster-growing classes into slower-growing ones. If you employed this strategy with your mutual funds, you would need to pay substantial taxes (capital gains). However, if you use this strategy with your variable annuity, capital gains taxes wouldn’t apply. In the future, you can withdraw funds from your annuity (which might be long after this rebalancing). At that time, you would pay taxes at your ordinary rate.

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If you need income right away, you can use immediate annuities to:

  • Prevent your assets from dwindling before your retirement ends – Your Social Security entitles you to retirement income for your entire life, just like defined-benefit types of pension plans. Immediate annuities are the only other indefinite sources of income you can get.

  • Keep creditors from taking your assets – Typically, creditors can only access immediate annuity payments as you make them; the money you’ve paid to insurance companies belongs to those companies. Certain court decisions and state statutes protect these annuity payments (at least partially).

Protecting your future

Whatever your needs, give us a call, have you been told you can’t insure your risk, been turned down, or simply unhappy with your current insurance? Since 1995 we’ve been providing coverage to our customers, and helping people across United States. 

ALLIED INSURANCE

Company Information

Toby Hansen
Agency Inc.


425 South Orange Street
Missoula MT 59801

Company Information

E-mail address:
Info@THAgency.com 

Home, Auto, Business, Health, Travel and Life 

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1 month ago · by · 0 comments

What do you do in case of a flood

what do you do in case of a flood

In Case of a Flood

How to Protect Your Family –and Yourself! 

Flood Watches and Warnings:

  • Weather experts issue flood watches when rains are heavy enough that rivers may overflow.
  • When meteorologists issue flood warnings, they will explain how severe the situation is and let you know where and when to expect flooding.
  • Weather experts issue watches for flash floods when they expect unusually heavy rains.
  • Meteorologists issue warnings for flash floods when flooding suddenly occurs. If you experience flash flooding, immediately move to the high ground.
  • Educate yourself and teach your family about the types of flood warnings in your community.

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Evacuation:

  • Plan evacuation routes from your home. Remember, some routes may be blocked.
  • Create a family communication plan; know what to do if you’re separated in a flood emergency.

Protect Your Property:

  • When you move into a new apartment, house, or business, be sure to purchase appropriate insurance. Independent insurance agents, local government officials, and bankers can help you understand your area’s level of flood risk.
  • Renters and Homeowners insurance policies typically exclude flooding damage. However, you can get this protection in the comprehensive part of your auto insurance policy. Certain special business insurance policies offer flood coverage.
  • The U.S. government offers flood insurance to renters, businesses, and homeowners. Purchase this coverage via your independent insurance agent; they can file your paperwork with the Federal Insurance Administration (FIA) and the Federal Emergency Management Agency (FEMA). You can only get flood insurance coverage in areas where local governments have adopted proper floodplain management strategies under National Flood Insurance Program (NFIP) regulations. Most U.S. communities take part in this program.
  • Your flood insurance will cover physical damages and losses created by floods. You’re covered against flood erosion losses and damage from waves and water currents if they exceed normal cyclical levels and happen during severe storms, flash floods, abnormal tide surges, or similar flooding situations. Your flood insurance plan may also cover mudslide damages.
  • You can purchase separate coverage for the contents and structure of your home. Insurers cover the replacement costs of buildings; you can only get coverage for their contents on a cash value basis.
  • Be sure to keep emergency materials on hand:
  • A first-aid kit
  • Plywood and plastic sheeting
  • Hammers and Nails
  • Shovels and Sandbags
  • Flashlights and batteries
  • A battery- or dynamo-powered radio
  • Necessary medications
  • Sturdy, sensible shoes
  • Emergency water and food
  • Credit cards and cash
  • Have an expert install a system in your home to keep sewage from backing up into your drains.
  • Know how to switch off your water, gas, and electric utilities.
  • Inventory your possessions and keep a copy of this list off of your premises (safety deposit box, etc.). If your belongings are damaged, you can refer to this list to speed up the process of filing your insurance claim.  

Protecting your future

Whatever your needs, give us a call, have you been told you can’t insure your risk, been turned down, or simply unhappy with your current insurance? Since 1995 we’ve been providing coverage to our customers, and helping people across United States. 

ALLIED INSURANCE

Company Information

Toby Hansen
Agency Inc.


425 South Orange Street
Missoula MT 59801

Company Information

E-mail address:
Info@THAgency.com 

Home, Auto, Business, Health, Travel and Life 

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1 month ago · by · 0 comments

Get Coverage That’s Just Right the Size of Your Business

Get Coverage That’s Just Right the Size of Your Business

Get Coverage That’s Just Right the Size of Your Business

Choose an appropriate policy for your home, small or global business!

  The kinds and amounts of insurance your company needs depend on certain factors:

  • The type of company you run
  • Your location
  • How many employees you have (if any)

Talk with your agent to determine your business insurance needs; they can help you examine your options. First, consider how large of a business you run. Definitions can vary, but they’re typically based on your number of employees, sales numbers, and total earnings. The sections below will help you pick the right category for your business.

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Home Businesses

Do you run your business from home? Does your company support you – and maybe a few other people?

Many people launch successful business at home. Home business owners often have one (or zero) employees; they make relatively low revenues.

Low revenues don’t mean you shouldn’t insure your business. Every home business should have proper insurance coverages. The United States Small Business Administration (SBA) says at-home businesses make up over 50% of all American companies – far too many of these don’t have appropriate business coverage. Though home-based businesses typically operate as small businesses, their unique locations (in homes) may require owners to get special insurance coverage. Your homeowners insurance doesn’t necessarily protect your home business from property losses and liabilities. 

Small Businesses

Can you name all of your employees on sight?

Does your company make a few million (or less) each year?

If this sounds familiar, you probably run a small (in the grand scheme of things) business. Your insurer will probably consider your company a small business if you have 50 employees or fewer. The SBA calls independent, for-profit companies that aren’t (yet) dominant in their fields “small businesses.” Typical small Business Owners Policies (BOPs) are usually only available to businesses with revenues below five million dollars and less than a hundred employees. Though you can get customized insurance for your specific business type, many insurers provide standard small business policy options so you can afford the protections your company needs to manage typical business risks.

Medium Businesses

When your business has grown and thrived, it will enter the “medium business” category. Insurers define business sizes in various ways; however, if you have fifty to a thousand employees and annual revenues in the ten million to one billion range, your insurer will probably call your company “medium-sized”. Insurers often offer special policies that specifically suit the needs of this segment; these plans typically combine liability and property protections. If your company maintains expensive equipment and spans multiple states, consider seeking out a special, customized policy. 

Large Businesses

To be considered a large business, your company should have over 500 employees. Your insurer’s revenue requirements to join this elite category depend on the kind of business you run.

Large, complicated companies typically carry risks in the millions of dollars. Your company will need commercial insurance with custom coverages to meet its specific needs. Many large companies employ certain employees to examine the causes of potential accidents or losses. These risk management experts can recommend and implement preventive measures, create plans for minimizing damages and costs (if they occur), purchase insurance, and make claims on the company’s behalf.

If you own a home or small business, you’ll probably have to perform risk management evaluations on your own. However, small businesses sometimes hire risk management consultants. If you don’t know what step to take, ask your independent insurance agent to help you assess your business risk – no matter what its size! 

Protecting your future

Whatever your needs, give us a call, have you been told you can’t insure your risk, been turned down, or simply unhappy with your current insurance? Since 1995 we’ve been providing coverage to our customers, and helping people across United States. 

ALLIED INSURANCE

Company Information

Toby Hansen
Agency Inc.


425 South Orange Street
Missoula MT 59801

Company Information

E-mail address:
Info@THAgency.com 

Home, Auto, Business, Health, Travel and Life 

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1 month ago · by · 0 comments

Protecting Your House From Mold

mold in house

Protecting Your House From Mold

In your fight to keep your home free from mold, your best defense is a strong offense. To prevent the growth of mold, keep moisture out of your home. Watch out for the first signs of mold growth, including musty smells and watermarks on your ceilings and walls.

If you catch it in its early stages, you can typically remove mold by washing it thoroughly with a solution of water and bleach. To keep mold from growing back, you must attack it at the source: moisture. Eliminate all moisture by promptly drying the areas you wash as you clean (you may need to repeat this process several times). Be sure to bag up and throw away all materials that have moldy residues after cleaning, like paper, rags, and debris.

Mold, just like insect infestations and rot, isn’t often covered by homeowners policies. Your homeowners policy probably covers accidental and sudden disasters. These policies don’t cover the costs of home cleaning and maintenance. However, if your mold resulted from a covered event like a burst pipe, you could be compensated for the expense of eliminating your mold.

The Centers for Disease Control and Prevention (CDCP) say that mold exists everywhere. It grows throughout the year and is found indoors and out. Outdoors, mold often grows in damp, shady areas (and in the ground). Indoors, mold grows in humid and moist areas like kitchens, basements, and bathrooms. It’s often found on ceilings and the insides of walls; water from leaking pipes, windows, or roofs can gather in these places. Most kinds of mold don’t harm humans; however, the CDCP says certain types of mold produce allergies with symptoms similar to hay fever. If anyone in your family has mold symptoms, see your physician immediately. Remember –mold exposure symptoms could also be caused by other illnesses.

Experts suggest you take these steps to prevent mold from growing in your house:

Lower Your Home’s Humidity

  • Keep your home’s humidity level between 30% to 60% with air conditioners and dehumidifiers.
  • Install bathroom and kitchen exhaust fans.
  • Don’t put carpets in moist areas like bathrooms and basements.
  • Don’t allow water to accumulate underneath your house plants.

Buy Mold-Reducing Cleaning Products

  • Clean your bathrooms with a bleach solution or use mold-killing cleaning products.
  • Before application, put mold inhibitors in your paint.

Keep Your Belongings Dry – And Your Home!

  • Inspect your pipes, fittings, and hoses. Most water hoses cost only five to ten dollars. Replace all water hoses connected to your major appliances (especially clothes and dish washers) every 5 years:
    • Water Dispensers and Ice Makers in Refrigerators
    • Water Heaters
    • Clothes Washers
    • Dishwashers
    • Bathroom and Kitchen Sinks
    • Bathroom Toilets
  • Clean your gutters regularly.
  • Maintain and inspect your roof, so water doesn’t seep in.
   

What to Do After Flooding and Other Types of Water Damage

  • To prevent mold growth, thoroughly dry out or remove your soaked carpets, carpet pads, and any affected upholstery in the first day or two after flooding. If you can’t dry an item out, you must throw it away.

  • Get rid of standing water immediately. Standing water breeds many microorganisms; if they become airborne, you could inhale dangerous fumes.

  • Wash and sanitize all flooded areas, including floors, walls, closets, and shelves. Also, check for moisture in your air-conditioning and heating systems.
 

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Protecting your future

Whatever your needs, give us a call, have you been told you can’t insure your risk, been turned down, or simply unhappy with your current insurance? Since 1995 we’ve been providing coverage to our customers, and helping people across United States. 

ALLIED INSURANCE

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Toby Hansen
Agency Inc.


425 South Orange Street
Missoula MT 59801

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Info@THAgency.com 

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1 month ago · by · 0 comments

Grilling Safety

Grilling Safety

Grilling Safety

Millions of Americans enjoy safe outdoor barbecues every year; however, accidents occasionally happen. The United States Fire Administration says roughly 5,700 grill fires happen on residential properties each year. Annually, grill fires cause an estimated 10 deaths, 100 injuries, and $37 million in property damage. Most grill fires happen when gas grills malfunction. Thousands of people end up in emergency rooms each year with burns from barbecue grills.

Grill fires are rare; however, one could spread across your property. Check with your independent insurance agent to confirm that your homeowners insurance policy provides financial compensation for grill fires.

Typical homeowners policies cover:
  • Grill fire damage to houses
  • Grill fire damage to your belongings (like lawn furniture)
  • Grill fire damage to non-house structures on your property like sheds and gazebos.
  • Grill fire injuries to your guests (in the liability section of your policy)

Remember – you’ll need to cover your deductible payment before your homeowners insurance compensates you. If you suffer minimal damage, and carry a high deductible, you may choose not to make a claim. Ask your agent if it’s in your best interest to file.

The best plan for enjoying a summer full of outdoor barbecue fun is to prevent accidents before they occur by employing safe grilling techniques and properly maintaining your equipment.

Grill Storage and Maintenance

Your gas grills should be safe if you conduct the right maintenance and check it for leaks. However, some grills can be unsafe because of poor designs and manufacturing flaws. Search the Consumer Product Safety Commission website and check for a possible recall of your grill.

When you set up your grill at the beginning of the season, follow these tips to ensure the safety of your loved ones and your property:

  • Examine your grill hoses for and cracks, holes, and possible brittleness. Carefully check for any blockages, particularly in your grills Venturi tubes (that run to the burners). Clear and blockages from food drippings, spiders, or other insects by using a pipe cleaner or a piece of wire.

  • Run a solution of half liquid soap and half water through your hoses and into your connections. Open the gas valve on your tank and look for any bubbles (which indicate gas leaks).

  • If you need to adjust your hoses, keep them away from hot surfaces and grease drippings.

  • Store your propane tanks outdoors, away from all structures. Always make certain to firmly close your gas valves after each use.

Safe Grilling Practices

  • Operate your grill on a flat and level surface. Keep it a safe distance from your home, garage, sheds, bushes, and trees. Don’t move your grill once you light it.

  • Keep your children and your pets far away from your grill.

  • “Grillmasters” should wear heavy aprons and extended oven mitts that cover their forearms.

  • If you use a charcoal grill, only use grilling-style lighter fluid. Never use gas or any other flammable liquid to light your grill. Be sure not to add extra lighter fluid once you’ve lit your grill.

  • Don’t grill indoors; avoid enclosed areas. Charcoal grills give off carbon monoxide (CO) gas, which can injure or kill people if your grilling space lacks proper ventilation.

  • Always have a fire extinguisher near your grilling station.

  • When you finish cooking, be careful – your grill will stay hot for quite a while. Don’t store or cover your grill until you’ve let it cool off completely. Soak any hot coals in water before you dispose of them.

If an Accident Occurs

If you have a grilling accident—or any kind of fire—use proper first aid on any injuries. Running cool water over lightly-burned areas can help; however, don’t cover up burns with butter, salve, or bandages. If someone has a serious burn, take them to an urgent care facility or an emergency room. In the case of a life-threatening burn (or if you have any doubts), please call 911 immediately.

After dealing with any injuries, take a look and assess any property damage.  If you experience substantial property damage, talk with your independent insurance agent and decide whether or not to file a claim.

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Protecting your future

Whatever your needs, give us a call, have you been told you can’t insure your risk, been turned down, or simply unhappy with your current insurance? Since 1995 we’ve been providing coverage to our customers, and helping people across United States. 

ALLIED INSURANCE

Company Information

Toby Hansen
Agency Inc.


425 South Orange Street
Missoula MT 59801

Company Information

E-mail address:
Info@THAgency.com 

Home, Auto, Business, Health, Travel and Life 

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1 month ago · by · 0 comments

Shopping for a Safe Car

Shopping for a Safe Car

Shopping for a Safe Car

If you want to buy a new vehicle, you probably have safety on your mind. All new cars need to achieve federal standards for safety; however, all vehicles have different levels of safety. Variations in safety features make some vehicles much safer than the others. Automakers often provide more safety features than the minimum governmental requirements.

Consider these safety features when you’re thinking about buying a car:

  1. Crashworthiness Certain features reduce your risk of serious injury or death in a crash. You can find crashworthiness ratings with this United States Department of Transportation shopping helper.

  2. Structural design Vehicles with proper structural designs have strong occupant compartments (safety cages). Their rear and front ends will bend and buckle to absorb powerful impact forces. This “crush zone” technology directs dangerous forces away from passengers in the safety cage; however, if the cage collapses, passengers’ chances of injury rapidly increase.

  3. Vehicle weight and size According to physics, heavier and larger cars outperform smaller and lighter ones. People in compact cars are twice as likely to die in crashes as people in large cars. When small and large vehicles collide, heavier vehicles push lighter vehicles backward; this decreases the forces experienced by people in the heavier car and increases those endured by people in the lighter car.

  4. Restraint systems Airbags, head restraints, and belts, together with your vehicle’s structure protect you and your family in crashes. Your lap and shoulder belts will hold you safely in place; this reduces the chances you’ll hit a hard object or be thrown from the vehicle. If you don’t wear your seatbelt, you’ll keep moving forward when the car stops until an object stops you; this could be a hard surface on the interior of your vehicle – causing serious injuries.

    • Shoulder belts in cars have inertia reels which allow for your upper body to move around when driving; however, they lock when you brake hard or crash into something. These reels store belt webbing; during frontal crashes, slack in this webbing permits your upper body to fall forward. You could hit your steering wheel, windshield, or dashboard. Some automakers address this issue by adding belt crash tension devices that activate at the beginning of a crash and reel in any belt slack to prevent forward body movement.

    • shoulder belts, lap belts, and airbags work very well together. However, deployed airbags can cause injuries and death. You face serious injury risk if you’re above or quite close to your airbag when a crash triggers it to inflate. Be sure to buy a car which lets you reach your brake and gas pedals comfortably; you shouldn’t sit too near to your steering wheel. Your car may offer a telescope-style steering column which offers helpful adjustments.

    • Your side airbags should protect the upper abdomens of you and your passengers. These can also help keep your heads from banging into any intruding interior structures.

    • All new cars need head restraints for people in the front seats; these keep your heads from snapping back, a common cause of neck injury in rear-end crashes. However, not all head restraints are the same; some can be adjusted, others can’t. These devices can vary in their heights, and in how far back they are from passengers’ heads. To avoid neck injuries, your head restraints should be right behind you and very close to your head. Make sure your new car has these types of restraints. If these devices can be adjusted, ensure they are locked firmly in place. Some head restraints don’t lock; these can be pushed downward in crashes.

  5. Anti-lock brakes When you press hard on conventional brakes, your car’s wheels could lock up; this causes skidding and poor steering. If you have the anti-lock style of brakes, they will automatically turn on and off many times per second; this prevents lockup and lets you keep better control of your car. If you learned to brake softly on wet roads or to “pump” your standard brakes in skids, unlearn these particular habits; you should put hard and continuous pressure on your brake pedal to activate your anti-lock system. Though your anti-lock brakes can help you stay in control of your steering, they may not help you come to a stop any faster.

  6. Daytime running lights Your ignition switch activates your daytime running lights. These usually consist of high-beam headlights with a reduced intensity; they could also be low-beam lights with full or limited power. These lights increase the visual contrast between vehicles and their backgrounds; this makes vehicles easier to see, especially to oncoming drivers. This increased visibility helps prevent accidents during the day.

  7. On-road experience Many design characteristics influence your risk of injury when driving. For example, small sport utility vehicles and pickup trucks may roll over in crashes. “High performance” vehicles usually have high death rates; drivers of these cars can be tempted drive too fast. Putting young drivers in high-performance cars is especially dangerous.

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Protecting your future

Whatever your needs, give us a call, have you been told you can’t insure your risk, been turned down, or simply unhappy with your current insurance? Since 1995 we’ve been providing coverage to our customers, and helping people across United States. 

ALLIED INSURANCE

Company Information

Toby Hansen
Agency Inc.


425 South Orange Street
Missoula MT 59801

Company Information

E-mail address:
Info@THAgency.com 

Home, Auto, Business, Health, Travel and Life 

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Take care of your child

Insurances for
your child's future

Curabitur iaculis ante a nibh vulputate sollicitudin.

Company Information

Toby Hansen
Agency Inc.

425 South Orange Street
Missoula MT 59801

Contact details

E-mail address:
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