We are pleased to announce that Karen Schulze has joined the EFM&A team in customer service. With four years of experience at AAA Insurance, Karen brings valuable expertise as a Personal Lines Account Manager.
Please join us in warmly welcoming Karen to our team and look forward to her contributions.
EFM&A is pleased to announce the hiring of Mathew Gugino as an Account Executive, bringing with him over 14 years of experience in the insurance and financial industry. Mr. Gugino previously worked for Allstate and Great Lakes and is certified in Personal, Commercial, and Life Insurance. Many of his original clients have continued with him at EFM&A.
Mathew was an award-winning agent with Allstate and a member of their Honor Ring. He also has experience working with first responders, including law enforcement professionals and the FBI. He recently decided to join Harris Hill Volunteer Fire Company as a fireman.
Please join us in welcoming Mathew.
Bad habits. We all have them. And sometimes, they can be hard to shake. This is especially true when it comes to driving. Depending on how many years you’ve spent behind the wheel, certain habits may be deeply ingrained by now. And many of them can be bad for your car.
Whether you’re running late and forget to fill up, or you’re just not paying attention to your fuel gauge, finding yourself low on gas can happen from time to time. But running out of gas is more than just inconvenient; it can also be hard on your car.
Why? Because critical components, like your vehicle’s fuel pump, aren’t designed to operate without gas. The fuel pump is submerged in the gas tank, where it uses fuel to cool and lubricate the mechanisms in the pump. Most fuel pumps can last for the life of your vehicle.
But when you run your car on empty, the pump can overheat, which could lead to a costly failure. And because the gas tank typically needs to be drained and removed to replace the pump, this labor-intensive job could cost upward of $1,000 to repair.
If you approach any kind of flooding, including large puddles of groundwater, you may be tempted to drive right through. But your best—and safest—course of action is always to turn around and find another route. What may not seem like a lot of water can in fact be quite dangerous when you’re behind the wheel.
For starters, it can be hard to gauge how deep the water is, and you can’t see what debris or other hazards may be below the water.
On top of that, driving through deep water can damage or destroy your vehicle’s engine, transmission and other critical components. It can also cause irreversible damage to your car’s complex electrical system. Because of this long-lasting damage, a flooded vehicle is often considered a total loss by insurance providers.
Every vehicle manufacturer recommends following a routine maintenance schedule to keep your car running in tip-top shape. In the short term, it may seem like there’s no harm in skipping an oil change, air filter replacement or tire rotation. But the truth is, taking care of these preventative maintenance tasks now can save you from needing major repairs later.
Modern cars feature a host of warning lights, and each is there to notify you of a particular problem with your vehicle. Ignoring these warning lights could leave you with a major repair down the road. Depending on the problem, it could even jeopardize the safety of you and your passengers.
So don’t make a habit of ignoring your vehicle’s warning lights. The next time that “check engine” light starts flashing, consult your car’s manual and if need be, take your car to a qualified mechanic to get it checked out.
One of the easiest car maintenance tasks to ignore is checking your tire pressure. After all, if your tire isn’t flat, what’s the big deal? But not running your tires at the manufacturer’s recommended air pressure can cause a host of problems ranging from premature or uneven tire wear to bad handling and poor fuel economy.
For that reason, experts recommend that you make a habit of checking your tire pressure once a month. And remember that when it’s cold, your tire pressure will drop between one and two pounds per square inch (PSI) for every ten-degree decrease in temperature. So pay extra attention to your tires as the seasons change.
Your car’s brakes represent one of its most important safety systems. But hitting the brake pedal too hard, or using the brakes too often, can leave this system severely compromised.
For example, applying the brakes for a prolonged period of time (like when slowing your car down a long hill) can cause them to overheat. And when your brakes get too hot, their stopping power is greatly reduced.
Overuse of your brakes can have long-term consequences, too. More braking means you’ll wear through pads and rotors faster, which translates to more frequent service intervals. You can also expect to pay more at the pump, thanks to lower fuel economy caused by frequent braking.
To “break” this bad habit, try to leave some extra space between you and other cars on the roadway. And if you’re descending a long hill, try shifting your car out of overdrive and into a lower gear; this will allow the engine to do some of the braking for you.
Speed bumps are installed to help slow down traffic, making areas safer for pedestrians. If you drive over a speed bump at a slow speed, your car will be unharmed. But hit a speed bump faster than about 10 miles per hour, and you can do serious damage to your car.
The sudden impact of a speed bump could cause your suspension to bottom out, damaging your shocks and struts. It could also bend other important suspension components or knock your car out of alignment. So take it slow!
Parking your car for extended periods of time can take its toll on your vehicle. The time it takes for your vehicle to be damaged by long-term storage will vary based on several factors, including the location of your parked car and how well you’ve prepared it.
However, the negative effects of time on an undriven vehicle can be observed sooner than you may think.
When your car is left undriven, the fuel and battery can go bad. Tires and rubber belts can crack. Rust can begin to form. And rodents could even make your car their new home.
If you have a college student away, for example, consider using a battery maintainer while the car sits. Since maintainers are used for maintenance during periods when cars aren’t going to be used, time isn’t of the essence when charging. This means that a maintainer can give a battery a “low and slow” charge, which is better for its health than a faster charge or a jump.
If you live in an area that sees cold winters, the constant freeze-thaw cycles can make potholes a common sight on the roadways. When driving, you should do your best to avoid hitting them at all costs.
Potholes can cause damage to your vehicle ranging from flat tires or bent wheels to much pricier damage to your suspension, steering system or exhaust system. Next time you encounter a pothole, try to swerve around it. If swerving isn’t possible, reduce your speed to lessen the impact—and any potential damage.
Everybody can appreciate how good a freshly washed car looks. But the benefits of a clean vehicle extend far beyond the visual appeal. If you go long periods of time without washing your car, all that dirt and grime will embed itself in the painted surfaces and will eventually eat away at the clear coat, causing permanent damage.
The consequences are even greater if you live in an area that uses road salt to melt the ice and snow. That’s because salt creates chemical reactions that can corrode the components on your car. This is especially true for any exposed metal, like brake lines and fuel lines.
Whether you plan to take the summer off or your business is entering one of its busiest seasons, both individuals and business owners must protect themselves against unforeseen hazards that arise when the weather gets warmer. There are common insurance needs in the summer months that should be considered in the interest of mitigating risk and protecting your business and other valued assets from costly damage or claims.
Summer storms can cause major flooding during the warmer months. Because standard homeowners’ insurance policies do not cover damage caused by flooding, one of the most popular insurance needs in the summer months is supplemental flood insurance.
From swimming in pools to jumping on trampolines, outdoor play increases during the summer months and so does the risk of accidents. Taking safety precautions like never letting children swim or play unattended and building gates around these play areas are important. But it’s also essential to ensure adequate liability coverage or umbrella insurance as part of your homeowners’ policy in the event that something goes wrong.
If you plan to rent out your primary residence or vacation home this summer, you should consider added protection. Adding a rider to an existing insurance policy and purchasing a business or landlord policy are just some of the ways you can protect against claims related to property damage, personal property theft or damage, or other costly events when renting your property.
Hull insurance covers damage to any remote control models or drones. This can include recreational usage or business usage (such as drone photography). Additionally, On-Boarding Insurance would cover damage to anything these devices would be carrying (such as a camera).
You may also want coverage to protect yourself from liability, should your vehicle damage any person or property.
We are pleased to announce the hiring of Debra D’Anniballe as an Account Manager on our Commercial Lines Team.
Debra D’Anniballe joined Emerling Floss Murphy & Associates in May 2022.
She specializes in large commercial accounts, and brings with her 21 years of experience in the insurance industry. She is a member of The Institutes and has her CISR.
Deb graduated from Monticello High School and Bryant and Stratton College.
She resides in Lockport, NY with her two sons and her Boxer, and loves spending time doing “anything outdoors.”
