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Rear View Cameras Standard in Cars Starting in 2018

While rear view cameras in cars may seem like a luxury, they are an important safety feature that can help save lives. Lawmakers have recognized the importance of these cameras, and starting in 2018 all new vehicles will be required to have rear view cameras, which is estimated to save two lives a week.

The Department of Transportation estimates that this new law will save over 100 lives a year and will prevent over 7,000 injuries. The Cameron Gulbransen Kids Transportation Safety Act started this movement towards increased rear visibility in American cars. The Safety Act is named for Cameron Gulbransen, who was accidentally ran over by his father as he was parking their car. There were also many consumer groups that were behind the creating of this law, including KidsandCars.org, which started collecting data, which showed that on average, 50 children are backed over by vehicles in the United States.

Access First Insurance, located in Eagle, Idaho, encourages you to always practice safe driving while behind the wheel. Contact them today to get a quote for your auto insurance, or any other insurance policy.

Do You Need Rental Car Insurance?

Renting a car while on vacation can be one of the easiest ways to see all your vacation spot has to offer. Making sure you have the proper car insurance to cover your rental can save you time and money if you need you have to make a claim.

When it comes time to sign the rental papers, you may get confused at all the insurance options. While the different options can benefit people in different situations, you want to make sure to look at your existing auto insurance policy to make sure you are not double paying for the same coverage. If you have comprehensive and liability coverage on your personal vehicle, chances are that your rental car is already covered. Your safest bet is to contact your insurance agent to make sure you are covered in any event.

There are three main insurance options that car rental locations will offer when you are renting a vehicle. They include liability insurance, personal effects coverage, and personal accident coverage. These may be covered under your pre-existing insurance policies, which can save you money when renting your vehicle.

When you are looking for the best auto insurance plan, contact the insurance experts at Access First Insurance, located in Eagle, Idaho. Call them today to get a quote on a policy that will cover all your rental car needs.

Garage Organization for Safety

You garage may seem like a black hole of clutter, but that does not have to be the case. All the clutter is not only be an eyesore, but could potentially be a safety hazard as well. Keeping these garage organization tips in mind can help make sure your garage is a safe and well-organized room of the house.

  • Clutter. Separate items into the garage into appropriate categories to make everything easily accessible. Whatever is not needed, give or throw away to make more room. Invest in organization solutions, such as cabinets or shelve to keep everything organized.
  • Fire hazards. Most garages are full of potential fire hazards, such as paint thinner, gas, and pesticides. Make sure to store all flammable materials in their original container in a well-ventilated area. Always keep a fire extinguisher in the garage in case of a fire.
  • Carbon monoxide fumes. The carbon monoxide fumes from your vehicle can seep through wall that is shared with the garage. Make sure to install carbon monoxide alarms in every room to protect your family from the colorless, odorless gas and never keep a car running in the garage, even if the door is open.
  • Security breaches. The garage door can be an easy entry point for burglars. Make sure to always close the door when leaving the house and lock the door leading from your garage into your home.

When it comes to protecting your home investment, contact the insurance professionals at Access First Insurance.

Why Invest in Commercial Insurance?

Small business owners have to deal with the same things as large business owners, such as the government regulations and the other things that are listed, but just it is just to a smaller extent than large corporations.  Having the right business insurance can help small business owners stay protected from any issues they may face. The top 5 issues that small business owners worry about are:

  1. Customer acquisition and retention
  2. Functionality and reliability of technology
  3. Talent management, such as recruiting and retaining staff
  4. Taxes, government regulations, and healthcare reform
  5. Financing and a decreasing ability to acquire funds

Having the right business insurance can help small business owners avoid these worries, and make sure they are covered in any event. The top three insurance claims made by small business are loss of income, such as if the business closes, damage to the building or its contents, and computer or data loss.

Even dealing with all of these potential problems, out of the 28 million small businesses in America, 50% think that they will see some growth in 2014. This will not only benefit the company, but the rest of the population as well since small businesses employ 1/3 of the population.

When it comes to finding the best commercial insurance plan for your small business, contact the insurance experts at Access First Insurance.

In an Emergency: How to Shut Down Power and Water

Would you know how to shut off your home’s utilities in the event of an emergency? Fires, earthquakes and natural disasters could all provide a reason to turn off the power and water, while evacuating your home. Here’s a few tips to keep in mind:

1. Plan ahead. Know how to find the shutoff point for your gas, water and electric services.

2. Contact your water, gas and electrical providers to learn the recommended techniques for shutting off each utility. Familiarize yourself with the process for shutting down each utility.

3. Take special caution with natural gas meters. Follow your provider’s instructions carefully. Once you have turned the gas off, you’ll need to have a representative from the gas company turn it back on. Don’t try to do this yourself.

4. Your house likely has several water valves. Most serve one room. The main house valve is the most effective way to shut down water service. Your building may also have a street valve, but that is more difficult to access.

5. Shut off the electrical supply at the circuit box. To avoid sparks and shocks, turn off individual circuits before turning the main circuit.

Access First Insurance in Eagle, Idaho can help you find the right home insurance to protect your property and your family. To learn more or get a quote, contact us.

Alarming Statistics Related to Distracted Driving

Distracted driving is a topic that we hear about all too often. Distractions, such as texting or talking on the phone, can lead to serious crashes and fatalities. Because of the dangers of distracted driving, many distractions have been made illegal, such as texting and driving. In case you aren’t aware of how big of a danger distracted driving really is, here are some very alarming statistics:
  • More than one-third of drivers say that they’ve been involved in an accident due to distracted driving.
  • Over 60 percent of drivers say that texting and driving is similar to drinking and driving.
  • Drivers admit to the fact that their driving and focus are not excellent when talking or texting.
  • Over one-third of drivers admit to texting and driving sometimes.
  • 50 percent of drivers say they will sometimes talk and drive.
  • Texting is the primary contributor to distracted driving.
  • Over 40 percent of drivers say that they have little to no knowledge of their state’s graduated licensing.
Because of the dangers of distracted driving, it is important to stay alert when on the road. For more on how distracted driving can hurt you, others and your auto insurance premium or to get a quote, contact Access First Insurance today in Eagle, Idaho.

How Long Can My Child Remain On My Health Insurance Policy?

In the past, when children turned 18 or 21, they could no longer be a dependent on their parent’s health insurance plan. In some cases, children could remain covered by their parent’s plan until they graduated college. 

However, with new laws and the Affordable Care Act, a parent is allowed to keep their child on their health insurance policy until they turn 26. This is true even if you do not claim them as a dependent at tax time, the child is married, in school, financially independent, eligible for employer coverage or living on their own. However, this does not mean that parents must keep their adult children on their health insurance by law. It is simply possible if they wish to do so. Keep in mind, if the child is married or has children, their spouse and children cannot be included on the parent’s policy.

It is always recommended that you check with your insurance agent when it comes to keeping your children on your policy. In some cases, it may be beneficial and save money. However, in other cases, it may be better for your child to get their own policy as soon as possible.

For questions related to your health insurance, the Affordable Care Act or to get a quote, contact Access First Insurance in Eagle, Idaho.

When — and Why — Permanent Life insurance Makes Sense

Expert opinion on life insurance shifts with the times. The basic question: whether to purchase cheaper term life insurance, or buy a more expensive permanent policy. When other investments seem less certain, many experts say permanent life insurance makes more sense.

Permanent policies come in two basic forms, whole life and universal life. Both plans invest your premiums and provide cash equity over time. You can withdraw or borrow from your accumulated equity to help pay for major life expenses.

To achieve maximum investment results:

1. Purchase your permanent policy as early in life as possible. You’ll get the cheapest premiums and the longest time to build equity.

2. Resist the temptation to borrow from your equity until you need a significant amount. Borrowing smaller amounts depletes equity and could mean your policy won’t have enough to cover a down payment on a home or help pay your for a child’s education.

3. Remember that loans and withdrawals will deplete your equity and the death benefit. If your beneficiaries could face serious hardship without you, be especially cautious when borrowing against your policy.

Access First Insurance in Eagle, Idaho can help you explore your life insurance options. To learn more or get a quote, contact us..

Own A Restaurant, Technology Company or Lead An HOA? Get Commercial Insurance Coverage!

All businesses face challenges for which the appropriate insurance can be helpful. However, those businesses operating in the technology or restaurant space face unique challenges. So, too, do homeowner’s associations.

Restaurant owners face the challenge of protecting the commercial building wherein they do business, but must also have Worker’s Compensation coverage in place to protect themselves against financial losses resulting from injuries employees may suffer in their line of work. However, general liability is also a good option due to the possibility of claims leveled by a patron or contractor against the restaurant. Restaurant owners also sometimes must defend themselves against vicious public statements against them; restaurant insurance can help.

Technology companies face many of the same types of hazards as other businesses. However, Professional Liability (also known as Errors and Omissions Insurance), common protection for attorneys, doctors and architects, protects against claims emerging from failures in rendering professional services. Further, technology company insurance would also include options like worker’s compensation, general liability and commercial property insurance.

Homeowners Associations work hard to not only keep neighborhoods beautiful and safe, but also to assure that the homes in the neighborhood remain as solid investments. But while they are protecting others, Homeowners Association Insurance is a wise investment designed to protect the HOA from losses, including those arising from monetary claims leveled at HOA Management Teams.

Since 2005, Access First Insurance has provided the residents and business owners in and around Eagle, Idaho with prompt, courteous professional service and high-quality insurance products. Their independent agency has relationships with more than 15 top insurance carriers and offers the best in commercial, personal, health and life insurance options.

To learn more, or to get a quote, contact Access First Insurance today!

Things to do in Eagle

If you’re looking for a way to get out and about in Eagle, we have some great ideas for you!

May 6th from 6:00 PM through 7:30 PM, attend the container gardening seminar at the Eagle Public library.  This free open seminar will teach you the appropriate techniques that you need in order to plant successful containers.  It will give you some great ideas for building your own custom container gardens which (as we all know) make great gifts for Mothers’ Day!

On Thursday May 15th from 5:00 through 7:00 PM, you can enjoy the Community Barbeque at Active Health Chiropractic.  Every month, Dr. Steven Killion invites the community to come enjoy the BBQ at his office (507 S. Fitness Place, Suite 110).  Get informed about chiropractic care, and have some delicious grillin’!

Saturdays from 9:00 AM through 1:00 PM, you can wander the Eagle Saturday Market.  Quaint and cozy, right in the heart of downtown Eagle, this market features local produce, specialty and prepared food, herbs, flowers, and local musicians!

For more information or to get a quote in Eagle Idaho, contact Access First Insurance.