Driving Safely While Pregnant: Essential Tips for Expecting Mothers

Pregnancy is an exciting time filled with many changes, including how you approach everyday tasks like driving. While it’s generally safe for most pregnant women to drive, here are some essential tips to help you stay safe behind the wheel during pregnancy.

1. Wear Your Seatbelt Properly

One of the most important things you can do while driving is to wear your seatbelt correctly. During pregnancy, the seatbelt should be positioned slightly differently:

• Lap belt: Place it under your belly, across your hips, and snug against your pelvis. Never let it rest over your stomach, as this could put pressure on your uterus in the event of a sudden stop.
• Shoulder belt: Make sure the shoulder strap lies between your breasts and off to the side of your belly. It should never go behind your back or under your arm.

By wearing your seatbelt properly, you protect both yourself and your baby in case of an accident.

2. Adjust Your Seat for Comfort and Safety

As your belly grows, you may need to adjust your seat to maintain a safe and comfortable driving position. Here are some tips:

• Distance from the steering wheel: Sit as far back from the steering wheel as possible while still being able to reach the pedals comfortably. Aim for at least 10 inches between your chest and the steering wheel to minimize the risk of injury from the airbag if it deploys.
• Backrest angle: Keep the backrest of your seat in a fairly upright position to support your back and prevent slouching. Good posture helps with back pain and ensures you stay alert and comfortable during your drive.

3. Take Frequent Breaks

During pregnancy, sitting for long periods can cause discomfort, swelling, and even increase your risk of blood clots. If you’re planning a long drive:

• Take breaks every 1-2 hours: Step out of the car to stretch your legs, walk around, and encourage blood circulation.
• Stay hydrated: Dehydration can make you feel tired or light-headed, so keep a water bottle handy and drink regularly.

4. Be Aware of Fatigue and Nausea

Many pregnant women experience fatigue, morning sickness, or dizziness, especially during the first and third trimesters. It’s important to listen to your body and avoid driving if you’re feeling unwell. Here are some practical tips:

• Avoid peak nausea times: If you tend to feel nauseous in the morning or after meals, try to schedule driving around those periods.
• Pull over if needed: If you feel nauseous, dizzy, or fatigued while driving, pull over to a safe spot and take a break until you feel better.

5. Watch for Swelling and Discomfort

As pregnancy progresses, it’s common for women to experience swelling in their feet and ankles. This can make driving uncomfortable, especially on longer trips. To combat swelling:

• Wear comfortable shoes: Opt for shoes that provide good support and avoid heels or overly tight footwear.
• Elevate your feet during breaks: When you stop for a rest, try elevating your feet to reduce swelling.

6. Know When to Stop Driving

While most women can continue driving throughout pregnancy, there may come a point when it’s no longer safe or comfortable. You should consider stopping if:

• You have a high-risk pregnancy, and your doctor advises against driving.
• You’re experiencing frequent dizziness, fainting spells, or contractions.
• Your belly is so large that it’s difficult to fit behind the steering wheel comfortably, even with adjustments.

In these situations, it might be safer to rely on a partner, family member, or public transportation.

7. Have an Emergency Plan in Place

While driving, it’s always good to be prepared, but this becomes even more crucial during pregnancy. Keep the following in mind:

• Emergency contact: Have an emergency contact programmed into your phone and accessible at all times.
• Hospital bag: As you near your due date, it’s smart to keep a small hospital bag with you, especially if you’re taking long trips.
• Know your route: Plan your routes ahead of time and be aware of nearby hospitals in case of an emergency.

Conclusion

Driving while pregnant can be perfectly safe if you take a few extra precautions to protect yourself and your baby. By adjusting your seat, wearing your seatbelt properly, staying aware of your body’s signals, and planning for emergencies, you can continue to drive confidently and comfortably throughout your pregnancy. Always consult with your doctor if you have any concerns about your specific situation. Stay safe on the road, and enjoy this special time!

Aspen Insurance Agency is a family run business in Denver, CO servicing clients nationwide. We work with multiple insurance carriers to offer our customers a wide variety of risk reduction coverage at the lowest possible cost. We offer a wide range of personal, auto insurance, commercial and professional insurance to residential and commercial insurance customers enabling the cheapest rates available. Call to speak to one of our insurance professionals and see how painless insurance shopping can be.

Whether you’re a business owner or a homeowner, maintaining the integrity of your property’s roof is essential for protecting your investment and ensuring the safety of occupants. Here are some valuable roof maintenance tips tailored for both commercial and residential properties:

• Regular Inspections: Schedule routine inspections at least twice a year for both your business and home. Check for any signs of damage, including loose or missing shingles, cracks, and leaks. Addressing issues promptly can prevent costly repairs down the line.

• Clear Debris: Keep your roof clear of debris such as leaves, branches, and trash. Debris accumulation can clog gutters and downspouts, leading to water buildup and potential roof damage. Regularly clean gutters and remove debris to maintain proper drainage.

• Trim Surrounding Trees: Overhanging branches can pose a threat to your roof, especially during storms or high winds. Trim trees near your property to prevent branches from scraping against or falling onto the roof, minimizing the risk of damage.

• Insulate and Ventilate: Proper insulation and ventilation are crucial for both commercial and residential roofs. Ensure adequate insulation to regulate indoor temperatures and prevent ice dams in colder climates. Proper ventilation helps reduce moisture buildup, prolonging the lifespan of your roof.

• Professional Maintenance: Consider hiring a professional roofing contractor for comprehensive inspections and maintenance. Experienced professionals can identify potential issues early on and provide expert solutions to extend the life of your roof.

Whether you’re managing a commercial property or maintaining your family home, prioritizing roof maintenance is key to protecting your investment and ensuring long-term durability.

Aspen Insurance Agency is a family-run business in Denver, CO servicing clients nationwide. We work with multiple insurance carriers to offer our customers a wide variety of risk reduction coverage at the lowest possible cost. We offer a wide range of personal, auto insurance, commercial and professional insurance to residential and commercial insurance customers enabling the cheapest rates available. Call to speak to one of our insurance professionals and see how painless insurance shopping can be.

Spring is the perfect time to revive your home after the long winter months. As nature comes back to life, it’s also a great opportunity to ensure your home is in top condition. Here are some essential spring home maintenance tips to help you kick off the season with a fresh start:

1. Inspect Your Roof: Winter weather can take a toll on your roof, so it’s important to check for any signs of damage such as missing or damaged shingles, leaks, or debris buildup. Addressing any issues early can prevent further damage and costly repairs down the line.

2. Clean Gutters and Downspouts: Gutters and downspouts can get clogged with leaves, debris, and ice dams during the winter, leading to water damage and potential flooding. Clean them out thoroughly to ensure proper drainage and prevent water from seeping into your home’s foundation.

3. Check Exterior Walls and Foundation: Inspect the exterior walls and foundation for cracks, gaps, or signs of water damage. Seal any cracks to prevent moisture intrusion and potential structural issues.

4. Service Your HVAC System: As the weather warms up, it’s time to switch from heating to cooling. Schedule a professional HVAC service to clean and inspect your system, change air filters, and ensure it’s running efficiently.

5. Inspect and Clean Outdoor Ventilation: Check vents, chimneys, and exhaust fans for any obstructions or debris buildup. Proper ventilation is essential for indoor air quality and to prevent fire hazards.

6. Test Smoke and Carbon Monoxide Detectors: Ensure the safety of your family by testing smoke and carbon monoxide detectors and replacing batteries if needed. It’s crucial to have functioning detectors in place to alert you to potential hazards.

7. Trim Trees and Bushes: Trim any overgrown trees and bushes near your home to prevent damage from branches rubbing against the roof or siding during windy conditions. This also helps improve curb appeal and allows more sunlight into your home.

8. Inspect and Clean Outdoor Furniture: Dust off outdoor furniture, inspect for any damage, and clean with mild soap and water. Proper maintenance will extend the life of your outdoor furniture and make it more enjoyable to use during the warmer months.

9. Check and Repair Deck or Patio: Inspect your deck or patio for any signs of wear and tear such as loose boards, cracks, or rotting wood. Make necessary repairs and consider sealing or staining to protect against moisture and UV damage.

10. Prevent Pest Infestations: Spring is when pests become more active, so take preventive measures to keep them out of your home. Seal cracks and openings, remove standing water, and trim back vegetation to deter pests from entering your home.

By completing these spring home maintenance tips, you can ensure that your home is ready to embrace the season. Taking proactive steps now will not only enhance the beauty and functionality of your home but also help prevent costly repairs in the future.

Aspen Insurance Agency is a family-run business in Denver, CO servicing clients nationwide. We work with multiple insurance carriers to offer our customers a wide variety of risk reduction coverage at the lowest possible cost. We offer a wide range of personal, auto insurance, commercial and professional insurance to residential and commercial insurance customers enabling the cheapest rates available. Call to speak to one of our insurance professionals and see how painless insurance shopping can be.

Wildfires can be devastating, engulfing everything in their path and posing a significant threat to homes and lives. With climate change intensifying fire seasons, it has become more important than ever to take proactive measures to protect our homes from potential wildfires. There are several practical steps and strategies to safeguard your home and family from the destructive force of wildfires.Sh

1. Create Defensible Space

Creating a defensible space around your home is one of the most effective ways to reduce the risk of wildfire damage. Clearing flammable vegetation and debris around your property will create a buffer zone, slowing the spread of the fire towards your home. Here’s how to do it:

• Trim Trees and Shrubs: Regularly trim branches, especially those within 15 feet of your home. This prevents fire from jumping from trees to your house.
• Clear Vegetation: Remove dry grass, leaves, and other flammable materials from your yard.
• Maintain Your Lawn: Keep your lawn well-watered and mowed regularly to reduce fuel for wildfires.
• Create Fuel Breaks: Consider adding non-flammable materials, such as gravel or rocks, to separate your home from vegetation.

2. Fire-Resistant Landscaping

Choose fire-resistant plants for your garden to decrease the risk of ignition. Opt for plants with high moisture content, low resin content, and those that don’t accumulate dead leaves. Some fire-resistant plants include deciduous trees, aloe, yucca, and succulents.

3. Install Ember-Resistant Vents

Embers from wildfires can enter your home through vents and spark fires inside. Installing ember-resistant vents can prevent this from happening. These vents have fine mesh screens that keep embers out while allowing air to flow.

4. Use Fire-Resistant Building Materials

When constructing or renovating your home, use fire-resistant building materials whenever possible. Class A fire-rated roofing, non-combustible siding, and tempered glass windows can significantly reduce the risk of your home catching fire during a wildfire.

5. Maintain Your Roof and Gutters

Regularly inspect and maintain your roof and gutters. Remove dead leaves, pine needles, and debris that can easily catch fire. Consider installing gutter guards to prevent debris buildup.

6. Keep Emergency Supplies Ready

Create an emergency kit that includes essentials like first aid supplies, a flashlight, batteries, non-perishable food, water, and important documents. Keep this kit easily accessible so you can grab it quickly if you need to evacuate.

7. Develop an Evacuation Plan

Plan and practice an evacuation route with your family. Designate meeting points and ensure everyone knows how to leave the area quickly and safely. Stay informed about wildfire alerts and warnings from local authorities.

8. Install Sprinkler Systems

Consider installing an exterior sprinkler system to wet the perimeter of your home during a wildfire. This can create a moisture barrier and help protect your home from embers.

9. Stay Informed

Pay attention to weather forecasts and wildfire updates in your area. Many regions have apps and websites that provide real-time information about fire conditions and evacuation orders.

Conclusion

While it’s impossible to completely eliminate the risk of wildfires, taking proactive steps to protect your home can significantly reduce the potential damage. By creating defensible space, using fire-resistant materials, and staying informed, you can safeguard your home and family from the threat of wildfires. Remember, preparedness is key, and every effort you make counts towards ensuring the safety and security of your loved ones and your property.

In today’s world, ensuring the safety and security of your property is not just a matter of protection; it’s also about minimizing potential liability risks. Let’s delve into some key insights and strategies to help you safeguard your premises effectively.

Premises security involves implementing measures to protect your property, assets, and occupants from various threats, including theft, vandalism, and unauthorized access. By maintaining adequate security protocols, you create a safer environment for everyone while also reducing the risk of potential liabilities.

Key Factors to Consider

1. Risk Assessment: Conducting a thorough risk assessment is essential for identifying vulnerabilities and determining areas of improvement in your premises security. This involves evaluating the layout of your property, existing security measures, and potential threats.

2. Physical Security Measures: Implementing physical security measures such as access control systems, surveillance cameras, and perimeter fencing can significantly enhance the security of your premises. These measures act as deterrents to intruders and provide valuable evidence in case of incidents.

3. Personnel Training: Properly trained staff play a crucial role in maintaining premises security. Ensure your employees are trained on security protocols, emergency response procedures, and customer interaction to prevent security breaches and handle incidents effectively.

4. Emergency Preparedness: Developing and regularly reviewing emergency response plans is vital for addressing various scenarios, including natural disasters, fires, and security threats. Being prepared and having clear protocols in place can minimize the impact of emergencies and protect both individuals and property.

Property owners and businesses can face significant liability risks if someone is injured or harmed on their premises due to inadequate security measures. Factors such as the foreseeability of the threat, the adequacy of security measures, and the property owner’s response to known risks are taken into account when determining liability.

Investing in premises security is not only about protecting your property and assets but also about mitigating potential liability risks. By implementing comprehensive security measures, conducting regular assessments, and staying proactive, you can create a safer environment for everyone while reducing the likelihood of facing legal repercussions.

Remember, prioritizing security today can save you from costly consequences tomorrow.

If you have any questions or would like to learn more about premises security and liability, please don’t hesitate to contact us.

Stay safe and secure!

Aspen Insurance Agency is a family-run business in Denver, Colorado servicing clients nationwide. We work with multiple insurance carriers to offer our customers a wide variety of risk reduction coverage at the lowest possible cost. We offer a wide range of personal, auto insurance, commercial and professional insurance to residential and commercial insurance customers enabling the best rates available. Call to speak to one of our insurance advisors for home or business insurance and see how painless insurance shopping can be.

Phishing is a type of online scam where cybercriminals send fraudulent emails or messages to trick individuals into giving away personal information like passwords, credit card details, or social security numbers. Their ultimate goal is to steal money or commit identity theft.

Check the Sender’s Email Address

Phishing emails often come from fake email addresses that may look like those of legitimate companies. To check if an email is legitimate, look at the sender’s email address. If it doesn’t match any known company domains or addresses, then you should be wary of opening the message and clicking on any links within it.

Look for Urgent or Threatening Language

Scammers often use urgent or threatening language to create a sense of urgency and get you to act quickly. Be wary of emails that demand immediate action or threaten consequences if you don’t comply with their requests. The following are examples of phishing emails:

“Your account will be locked if you do not update your information by [date].”

“We have detected suspicious activity on your account.”

Check for Spelling and Grammar Errors

Phishing emails often contain spelling and grammar errors. Legitimate companies usually have professional copywriters who ensure their emails are free of errors, so if you see one with a typo or two in it, that’s a good sign that something might be off.

Verify the Link’s Destination

To verify the destination of a link, hover your mouse over it. If the URL doesn’t match what you expect to see (for example, if it’s not https://www.google.com but instead something like http://wwwgooglecom), then it’s likely a phishing attempt. It’s safest to always type the URL into the browser yourself instead of clicking links unless it’s an email you expected.

Don’t Give Out Personal Information

Another thing to look out for is the request for sensitive personal information. Legitimate companies never ask for passwords or social security numbers via email, so if you receive an email that does, it’s probably a phishing scam.

Be wary of any email that asks for this type of information. If you’re not sure if it’s a real email, do some research on the company and call them directly before responding to any emails from them in the future!

Check for Generic Greetings

Phishing emails often use generic greetings like ‘Dear Customer’ instead of addressing you by name. Legitimate companies usually address their customers by name, so if you receive an email that does not use your name, it could be a phishing scam.

Be on the lookout for generalizations and vague statements in emails from companies you do business with. For example: “We need to verify some information about your account.”

If you have any doubts about whether an email is legitimate or not, contact the company directly using their official website or phone number listed on their website (not through email).

Be Wary of Attachments

If you receive an email with an attachment, be wary of it. Phishing emails often contain attachments that may contain malware or viruses. If you aren’t expecting the email and don’t recognize the sender, do not open the attachment.

Trust Your Instincts

If you get an email that seems suspicious. Take a moment to think about what you know about the sender and their organization. If you can’t recall any reason why they would send such an email or if it’s from someone who doesn’t normally contact you directly (e.g., HR), then there’s probably something wrong with the message itself–and it may be a phishing attempt.

If someone asks for personal information in an unsolicited email (like your Social Security number), delete it immediately! Don’t reply or open attachments; these could contain malicious software designed to steal data from your computer or infect it with viruses that could spread throughout your network.

By following these steps, you can better protect yourself from falling victim to a phishing email. Always remember to trust your instincts and err on the side of caution when in doubt.

Aspen Insurance Agency is a family-run business in Denver, Colorado servicing clients nationwide. We work with multiple insurance carriers to offer our customers a wide variety of risk reduction coverage at the lowest possible cost. We offer a wide range of personal, auto insurance, commercial and professional insurance to residential and commercial insurance customers enabling the best rates available. Call to speak to one of our insurance advisors for home or business insurance and see how painless insurance shopping can be.

Computer operating systems have become far more effective at blocking cyber-attacks. The newest release of Windows 11 requires TPM (Trusted Platform Module) chips on existing and new devices. The Trusted Platform Modules (TPM) is a chip either integrated into the PC motherboard or added separately into the CPU. The purpose is to protect encryption keys, user credentials, and other sensitive data behind a hardware barrier limiting access to malware and attackers.

Many computer and smart phone internet users have access to tools to limit exposure. One simple risk reduction is the use of VPN, or Virtual Private Network.

What Is A VPN?

VPNs are a straightforward method for protecting yourself online. Many browsers come with them, or you can purchase software, where the companies set the VPN up for you.

The main reason to use a VPN is it prevents monitors from tracking or watching what you access online. While you browse the internet through a VPN, your traffic is encrypted. No one can see what you are doing online, nor interfere in any way.

When using a VPN, instead of your browser directly linking to a page or a link, it first connects to servers provided by your VPN, then routing to the page you wanted to visit.  VPNs don’t make you anonymous online: Facebook, Amazon, or any other site you log into will still be able to track your activity on those sites, even with a VPN.

People use VPNs for three principal reasons:

1. Public Wi-Fi is regularly used

A VPN is your best friend when using public Wi-Fi. Criminals use many methods to steal your data on public hotspots. With a secure VPN connection over Wi-Fi, you can browse online in full privacy.

2. Users want to encrypt data

Even when browsing the internet from your home, using a VPN is a good idea. VPN encryption protects your internet traffic and keeps you from leaving online footprints. This way, your ISP won’t be able to sell your entire browsing history to the highest bidder. Encryption secures digital data using one or more mathematical techniques, using a password or “key”, which is used to encrypt and decrypt the information..

3.    Avoiding government surveillance

Government agencies track and collect your browsing activity, messages, social posts, and other private data. They even share this information across country borders. A VPN will make it difficult to do by encrypting digital traffic and hiding your computer’s IP, or Internet Protocol, the unique string of characters identifying each computer communicating over a network.

Be aware, adding a VPN can also have a negative impact on your browsing speed, as there is an additional hop now in going to a website. This is not normally a large impact, and most users believe their privacy and security to be worth the extra time.

Putting a virtual private network (VPN) between you and the internet doesn’t give total anonymity, but it makes it much harder for anyone else to break into your data stream.

How To Get a VPN

There are many VPN providers, who will set up the VPN service for you. A partial list includes:

• ExpressVPN
• NordVPN
• Surfshark
• ProtonVPN
• CyberGhost
• Hotspot Shield
• IPVanish.

Another option is using a browser with an integrated VPN.  Having a VPN inside your browser eliminates the need to have multiple or separate settings to configure. 

It is not difficult to find a browser with an integrated VPN, search for “browser VPN” to come up with a list. A partial list includes:

• Mozilla Firefox
• Epic
• Tenta
• Brave
• Opera
• Aloha
• UR

VPNs are cheap, easy to install and use and can be installed on Apple, Windows, Android computers and smartphones. Experiment with different approaches and products and decide which approach is best for you. 

Aspen Insurance Agency is a family-run business in Denver, Colorado servicing clients nationwide. We work with multiple insurance carriers to offer our customers a wide variety of risk reduction coverage at the lowest possible cost. We offer a wide range of personal, auto insurance, commercial and professional insurance to residential and commercial insurance customers enabling the cheapest rates available. Call to speak to one of our professionals for home or business insurance and see how painless insurance shopping can be.

Unfortunately, due to climate change, what was once considered a “100 year flood”, now seems to be an annual event. Daily rainfall totals of 12 inches, storm surges measured in feet and sea level rise are all contributing to increased water damage in the home.

In the “best” case scenario, flooding may only be a few inches in the basement, from a burst water pipe or a failed basement sump pump. In other cases, the flooding may be measured in feet, as in the coastal storm surge from hurricanes. Regardless of the cause, the homeowner is faced with the post-flood clean-up, which may pose health risks.

Flooding, even in small amounts, can create health hazards for you and your family entering the home. The building may no longer maintain structural integrity or there could be danger of electrocution. Finally, water in the home may spur the growth of mold or other substances which impair breathing. It may be worth the expense to engage a neighborhood professional to assess the danger of structural, electrical, or other hazards.

Home Clean-Up

One of your first calls post-flood should be to your insurance agent. Take pictures of the home and any affected belongings. An important first step is to dry your home and remove water-damaged items to prevent growth of mold. 

If you were not able to dry your home, including furniture and other items within 24 – 48 hours, assume the growth of mold. Mold may grow in clothing, behind drywall, on or under furniture, cardboard boxes, or books. Mold may also be hidden from view under or behind carpeting, furniture cushions, or walls.

Mold growing in the home can lead to asthma attacks, eye and skin irritation, and allergic reactions and can lead to severe infections in people with weakened immune systems. Prior to reoccupying your home, cleanup and remove all mold.

Standard homeowners insurance policies typically exclude damage caused by mold, fungi and bacteria, unless it results from a specific risk incident, such as a burst pipe.

The Centers for Disease Control and Prevention (CDC) along with a coalition of federal agencies created a guide for homeowner and renters responding to flooding and mold.

Download the Homeowner’s and Renter’s Guide to Mold Cleanup After Disasters, for detailed instruction on post-flood clean-up.

Aspen Insurance Agency is a family-run business in Denver, CO servicing clients nationwide. We work with multiple insurance carriers to offer our customers a wide variety of risk reduction coverage at the lowest possible cost. We offer a wide range of personal, auto insurance, commercial and professional insurance to residential and commercial insurance customers enabling the best rates available. Call to speak to one of our insurance advisors and see how painless insurance shopping can be.

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What’s Driving Auto Insurance Increases

It seems as if Covid is behind cost increases in many goods and services. For retail products, the cause appears to be a combination of supply chain issues and semi-conductor scarcity. Gas is increasing because after a year stuck at home, people are hitting the road in increasing numbers. The old law of supply and demand: in times of high demand, product costs increase.

But why car insurance? It’s not coming from Japan or China, so isn’t affected by supply chain woes. It’s no scarcer today than last year.

Why is car insurance going up?

Well, it appears that the cost of car insurance has increased over the last 10 years higher than the rate of inflation. So, …. why?

Read on the five factors causing rates to increase.

Factors Causing Increasing Claims

It should not come as a surprise that car insurance is based on history. Driver safety history (including prior accidents and traffic citations) and the cost of repair by make and model. It stands to reason: fixing (or totaling) a Porsche will be more expensive than repair of an econobox.

Bodily Injury

Over the most recent nine-year period, the number of auto claims involving bodily injury has fallen. But the average claim cost involving bodily injury increased by 32% over the same period.

One reason is that people are driving bigger and heavier cars when compared to 10 years ago. There are far more SUVs (from large 3 row SUVs seemingly larger than a time zone to compact SUVs) that are heavier and sit higher than cars. In the event of a collision, even at a relatively reduced speed increases the force of the accident, leading to skeletal and muscle injuries.

In 2020, traffic fatalities increased more than 7% over the prior year.

Call The Hammer!

Prime time TV ads no longer sell soap and laundry detergent as much as they do accident services. “In an accident? Call the Hammer”. “For the people” “Were you hurt in an accident? Get what you deserve”.

Attorneys now actively pursue auto accident business, even when the claim would seem to be somewhat phony. Once attorneys get involved, there are higher reimbursement rates for procedures and treatment.

Increased costs are then levied on all customers. What happened last year (in terms of costs) must reflect what will happen next year.

Distracted Drivers

There are simply more distractions for drivers now. Distractions from vehicle infotainment systems and mobile devices have taken drivers attention away from the road significantly increasing risk.

In a recent survey of 1,000 drivers, 77% reported making or taking calls while driving. 31% said they’ve had a near-miss crash because of distracted driving. Even with Bluetooth in the car, drivers may frequently become distracted by phone call.

Then, there is the little “ding” announcing a new message or email which…. simply….must….be….looked….at….now.

Increase of New Drivers

Commercial truck operators and increased delivery services (in both marked vans and unmarked passenger vehicles) means more commercial drivers on the road. Stuck at home, we ordered everything for delivery from Amazon, Grub Hub, restaurants, liquor stores: anything which could be delivered, we ordered. With that increase also means there are more less -experienced drivers behind the wheel.

Operators driving unfamiliar vehicles, covering new routes, and searching for addresses all contribute to increased accidents.

Vehicle Repair Costs

Autos have become much more expensive to repair. Many cars in the last 20 years adopted new engineering for increasing driver safety at the expense of repairing the car.

In even slow speed accidents, cars are designed to crumple and drop bumpers to dispel the released energy from a collision. Keeps us safer, but also increases the cost of repair. Many newer vehicles use advanced materials and technology designed to make driving more comfortable and safer.

Titanium and aluminum body parts keep the vehicle weight down, at the cost of repair.

Also, over the last year, supply chain disruptions led to scarcity of manufactured car raw materials. Which in turn led to low inventories of both new and used cars and car parts. As a result, cars require longer repair times and are in high demand pushing the cost of repair and replacement higher (there’s that supply and demand again).

What is the best method for reducing insurance?

Drive safely, avoid distractions and slow down. Make sure your younger (new) drivers are aware of the dangers of distracted driving. Any accident, or ticket will lead to increased rates.

Aspen Insurance Agency is a family-run business in Denver, CO servicing clients nationwide. We work with multiple insurance carriers to offer our customers a wide variety of risk reduction coverage at the lowest possible cost. We offer a wide range of personal, auto insurance, commercial and professional insurance to residential and commercial insurance customers enabling the cheapest rates available. Call to speak to one of our insurance advisors and see how painless insurance shopping can be.

Travel insurance is a type of insurance that covers travel-related expenses. This can include medical emergencies, lost or delayed luggage, missed connections and more. The best way to protect yourself is by getting an affordable travel insurance quote before you leave on your trip.

It’s a good idea for anyone who travels—it’s better to have it than not. However, travel insurance is not a replacement for health insurance.

Top Reasons for Getting Travel Insurance

• You want to travel with peace of mind.
• You won’t have to worry about the cost of your medical emergency or flight cancellation.
• You won’t have to worry about lost baggage or a lost passport.
• Travel insurance covers you in case of an emergency, so you can focus on enjoying your trip without stressing about what could go wrong while traveling.

What Does Travel Insurance Cover?

Your travel insurance may cover a variety of things, including:

• Emergency medical evacuation. If you’re hospitalized for an injury or illness that occurs while traveling, your travel insurer can help pay for an emergency medical evacuation. This means that if you need to be transported from one hospital to another quickly and efficiently, the insurance company will pay for your transportation and any related costs.
• Trip delay and cancellation. If a covered reason prevents you from leaving on time (or at all), this coverage will reimburse any nonrefundable expenses such as hotel stays or airfare changes due to the trip being delayed or canceled.
• Lost luggage reimbursement. Just like your car insurance pays for repairs when something happens to your vehicle, travel insurance pays for lost luggage reimbursement—up to certain limits—when things go awry with baggage during a trip.

If you’re looking for travel insurance, make sure that it covers your needs. There are various types of travel insurance policies available and they all provide different types of coverage. You should look at these factors before deciding which policy is best suited for your needs as well as budget

Aspen Insurance Agency is a family run business in Denver, Colorado servicing clients nationwide. We work with multiple insurance carriers to offer our customers a wide variety of risk reduction coverage at the lowest possible cost. We provide a wide range of insurance products from personal to commercial, so you can find the best rates for your needs. Call to speak to one of our insurance advisors for home, auto or business insurance and see how painless insurance shopping can be.