Mike Arnold Insurance Agency

This week we sit down with Gregg and focus on what commercial auto insurance is and when you may need it. Just like your personal auto policy, commercial auto insurance can cover liability and physical damage. The usage and risks associated with your vehicle or business can affect what rates, coverages, and endorsements you may see. To learn more about commercial auto insurance or to have your policy reviewed, contact our office at 434-295-2692 or visit www.mikearnoldagency.com https://lnkd.in/e8WWnUhF #virginia #independentagent #centralvirginia #virginiainsurance #autoinsurance #insurance #localbusiness #commercialinsurance #businessinsurance

Tips for Driving in the Rain Driving in the rain can be dangerous. Below are some tips to help you reduce the chances of an accident. Turn on your windshield wipers. Keep your windshield wipers on during the rain to improve your ability to see the road. It's also wise to change your wiper blades at regular intervals to ensure that they are always performing at their best. Use your headlights. Rain is often accompanied by dark clouds and diminished visibility. Keeping your headlights on during the rain will make it easier for you to see the road, and it will make your vehicle more visible to other drivers. Leave more space between cars. When driving in the rain, leave more space between your car and the vehicle in front of you than you would during good weather. This will give you more time to react when the cars in front of you slow down or stop. Don't use cruise control. Using cruise control during the rain can decrease traction and increase the chances of you losing control of your vehicle. Avoid using cruise control during rain or when the road is wet. We are always here to help. For more tips about driving in the rain or other important issues, contact us at 434-295-2692 or visit www.mikearnoldagency.com #virginiainsurance #virginia #centralvirginia #independentagent #insurance #localbusiness #personalinsurance #autoinsurance #safety #safedriving

Halloween and Autumn Safety Tips Autumn is a wonderful time of year and comes with colorful Fall Festivals and Halloween Celebrations. It's always good to take precautions in order make sure that all family members, including pets, enjoy a safe experience as well. The American Academy of Pediatrics provides some great advice to make Autumn time Safety time: Costume Suggestions for Fall Parties and Trick or Treating Plan costumes that are reflective and brightly colored. Be certain that shoes fit well and that costumes are short. Long costumes can cause tripping, entanglement or contact with flame. When shopping for costumes, only consider materials that are flame-resistant. Instead of a mask that can limit eyesight, consider a decorative hat or non-toxic face make-up. Children and grownups should carry flashlights with fresh batteries when outside trick-or-treating. Never use decorative contact lenses as part of a costume. These lenses can be dangerous and can cause infection. Children should be taught to never trick-or-treat alone. Go in a group or with a parent. Safe Pumpkin Carving Never allow young children to carve their own pumpkins. Instead, ask your child to draw the face on the pumpkin that the parents can carve. Or decorate your pumpkin using colorful paints, glue, and accessories. Instead of putting a candle in your pumpkin, consider lighting your pumpkin with a glow stick or flashlight. If you prefer a candle, use a votive candle. Candle-lit pumpkins should be placed on a sturdy surface away from curtains and other flammable materials. Don't leave a candle-lit pumpkin unattended. Making Your House Safe for Visitors When getting ready for visitors at your house, remove anything that a visitor could trip over in the dark. Make sure garden hoses, decorations, toys, and bikes are not in walkways or on porches. Make sure bulbs in outside lights are working, and change any burnt out bulbs. Restrain your pets so they are not tempted to follow visitors out of your yard. Restraining pets also provides safety for your visitors. Sweep any wet leaves away from walkways, steps, and porches to prevent slipping and falling. Monitor Your Kids' Treats Though tampering is rare, inspect treats that come home from trick-or-treating or from holiday gatherings. Make sure nothing is spoiled, unwrapped, or looks suspicious in any way. Don't let children have unlimited access to festive candy and treats. Teach them to eat sweets in moderation only, and save some candy for another day. Keep candy, especially chocolate out of the reach of pets. Any type of candy is not good for pets, and chocolate can be lethal. #virginia #centralvirginia #insurance #localbusiness #independentagent #virginiainsurance #Halloween #HalloweenSafety

4 Ways to Stay Safe Behind the Wheel Plan Your Route in Advance Many people fail to think through their routes, especially on local trips; however nearly half of all accidents occur within five miles of your home. Before you venture on the road with your car, take an inventory of all the roads that are currently construction sites and those with heavy traffic so that you can avoid these routes. Get Insurance to Protect You and Your Family Financially One of the best measures you can take to protect you and your family on the road is purchasing insurance. Auto insurance may help you cover the cost of repairing or replacing your car following an accident. With an insurance company as your financial partner following an accident, it’s likely that you will not have to be without a car for a long time. Drive Without Distractions Whether you have been driving for years or you have just started driving, it’s important to pay attention to what’s going on around. Distractions, even those that capture your attention for seconds, can cost you your life. Driving distraction free includes: No cellphones No conversations No eating No drinking By focusing on driving, you can easily react to changes in the weather and other drivers. Always Wear Your Safety Belt Although you have heard it a thousand times, safety belts save lives. People who don’t wear their safety belts are at risk of being thrown out of a car during an accident. Why not take every measure possible to save your life? Your safety belt is a part of your car’s restraint system. Your safety belt and other components of your car exist to protect you while driving, but you have to wear your safety belt to be protected. If you are eager to learn more about driving safe, give us a call so we can discuss your options. #localbusiness #virginiainsurance #independentagent #insurance #autoinsurance #centralvirginia #personalinsurance #virginia #AutoInsurance

Before you take your trick-or-treaters out this Halloween, read these safety tips to ensure your little ghosts and goblins have a fun (and safe) night. https://lnkd.in/eVinxBAh #insurance #localbusiness #AutoOwners #virginia #centralvirginia #independentagent

If you’re looking for a quick guide to your insurance declaration page, you’ve come to the right place! Read on for the inside scoop about what your insurance declaration page is and how to read it. https://lnkd.in/gkGCtH8W #localbusiness #virginiainsurance #independentagent #insurance #virginia #AutoOwners #centralvirginia #personalinsurance #autoinsurance

When you think about your food truck or trailer, it’s important to remember all the coverages necessary to keep you and your business protected. Contact the Mike Arnold Agency today to learn more about the Mobile Food Operations package from Auto-Owners Insurance. https://lnkd.in/gnAjWmxd #localbusiness #virginia #independentagent #centralvirginia #virginiainsurance #AutoOwners #insurance #businessinsurance #commercialinsurance #foodtrucks

Fall is here! Make sure your property is ready for the colder weather with this helpful fall cleanup checklist. #virginiainsurance #virginia #AutoOwners #localbusiness #centralvirginia #insurance #independentagent #personalinsurance #homeinsurance

When you think about your food truck or trailer, it’s important to remember all the coverages necessary to keep you and your business protected. Contact the Mike Arnold Agency today to learn more about the Mobile Food Operations package from Auto-Owners Insurance. https://lnkd.in/gnAjWmxd #centralvirginia #virginiainsurance #insurance #independentagent #virginia #localbusiness #AutoOwners #commercialinsurance #businessinsurance #foodtrucks

Your standard home insurance policy does not cover flood claims. Based on data from FEMA, just one inch of floodwater can cause up to $25,000 in damage. Hurricane Helene caused widespread devistation costing billions. In this Mike's Moment, we discuss the importance of having Flood Insurance and when and where it is needed. https://lnkd.in/eDKrDTGk #personalinsurance #virginia #independentagent #centralvirginia #virginiainsurance #localbusiness #insurance #hurricane #hurricaneseason #floodinsurance #flood