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Does your insurance policy cover unexpected accidents?

Labor Day marks the official end of Summer Vacation, and it’s time for school again. Whether you have young ones in elementary school or you’re sending the older ones back to college, it’s always a good time to evaluate any changes which may have occured over the summer. Here are a few things to consider when the new school year starts:

Sports: From junior high all the way to college, sports teams are one of the more common activities in which our children youth-footballparticipate. They can also be one of the more injury-prone activities as well. Before you start a season, it’s always a good idea to see what kind of insurance the school carries for sports related injuries. Most of us don’t think about it until something happens, so it’s always a good idea to get ahead of the curve.

One of our clients had a seventh grade boy in junior high football last year who, during his second practice session, tore ligaments in his knee, ending his season and creating tens of thousands of dollars worth of medical bills. The family had a high deductible plan, and much of the cost was to come out of their pocket. Fortunately, the school started carrying sports insurance that year, and most of the cost was absorbed, but had the injury occured during the previous season, the family would have had to incur the cost on their own. A simple phone call to the school can give you additional peace of mind in knowing whether you need supplemental insurance or not.

Driving: New drivers, college students taking vehicles out of state or a number of other scenaria often indicate that your vehicle insurance needs may have changed. Adding an additional driver to the policy is usually a relatively simple procedure and adds a layer of protection to you and your vehicles. If you’ve got a child moving out of state, the insurance requirements for other states may vary from the Pennsylvania requirements, so it’s always best to notify your carrier when you’re changing residence.

Fall Weather: When school starts, the cooler weather is just around the corner, and it’s time to start getting the house ready for winter. This is a good time to get your oil burner serviced, your chimney cleaned, clear the debris from around the house to help prevent water intrusion, and check your trees for dead branches. We’ve had huge snowfalls in October, strange weather in September, and various other storms at times which nobody thought possible, so a bit of preventative maintenance is always a good thing.

As always, we’re here to help you think through these things. Please don’t hesitate to call us with questions. Here’s to a great 2015-2016 School Year!

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