Transportation Network Companies

Transportation Network Companies

TNC/Ridesharing has become a popular trend over the past year. However, many consumers have unanswered questions when it comes to ridesharing and insurance.

What is a “TNC”?
TNC stands for “Transportation Network Company”. TNC’s are the companies that offer a ridesharing service. Companies such as Uber and Lyft are examples of popular “TNCs”.

What is “Ridesharing”?
Ridesharing is the use of a personal, non-commercial, privately owned vehicle to provide pre-arranged transportation to others. Passengers request a ride though the Transportation Networks app.

What is a “TNC Driver”?
A TNC Driver is someone who uses their personal, non-commercial vehicle to provide rides for others.

Who must provide insurance for the TNC Driver?
New York State law requires that a TNC provide primary insurance coverage for their drivers through a group policy. TNC drivers are able to obtain their own insurance but must meet the same insurance requirements as the TNC is required to provide.

What are the required minimum limits of insurance?
Bodily Injury Liability: $75,000/$150,000
Property Damage: $25,000
Uninsured Motorist: $25,000/$50,000
Personal Injury Protection $50,000

Will the TNC Driver’s personal automobile policy provide physical damage coverage?
No! The TNC driver’s personal automobile policy will only provide physical damage coverage if an insurer provides the coverage for a TNC drivers vehicle through an endorsement.

Is there an age and licensing requirements to become a TNC driver?
Yes, New York State law requires that TNC drivers must be at least 19 years old and hold a valid and current New York State driver’s license issued by the New York State DMV.

Are there any requirements to become a TNC driver?
Yes, the New York State DMV requires that the TNC conduct a criminal history background check along with a review of the applicant’s driving record. TNC’s must also verify that the applicants vehicles are properly registered and inspected.

If you are a TNC driver or are thinking of becoming one and have questions regarding your insurance, please give us a call at (516) 249-5200 and one of our automobile specialist will be happy to assist you.

Written by: Amanda Haase

#NewYorkCentralMutual

 

October is National Fire Prevention Month – Fire Prevention and Safety Tips

October is National Fire Prevention Month – Fire Prevention and Safety Tips

October is National Fire Prevention month. According to the NFPA U.S. fire departments responded to an estimated average of 358,300 home structure fires per year during 2010-2014, which represents three-quarters of all structure fires. $6.7 billion in direct damage, or 69% of total direct damage in structure fires.

A tragedy can strike at any time. Preparing cannot only save your life but it can help save others.

  • Here are some tips that can help you when it comes to fires:
    Be sure all of your smoke detectors and carbon monoxide detectors are working properly.
  • Don’t use candles. Wax with wicks are the most common fire starters among house fires.
  • Always have a fire extinguisher in an easy to reach place in the event of an emergency.
  • Make sure there is a smoke detector outside of each bedroom.
  • Avoid smoking inside your home. If you do smoke inside your home, use a metal canister with sand or water to put out cigarette butts.
  • Don’t overload electrical outlets or surge bars.
  • Prepare an evacuation plan with your family in the event of a fire. Be sure to have designated escape spots and a backup escape spots in case other spot are blocked from the fire.
  • Protecting yourself and your loved ones from fire is important. Preparing now and knowing the basics can help save a life.

If you have questions regarding possible fire damages to your home, please call C.H. Edwards, Inc. today at (516) 249-5200 or visit our website at www.chedwards.net.

Written by: Amanda Haase

 

Hurricane Terms and Meanings: What To Look For!

Hurricane Terms and Meanings: What To Look For!

When it comes to hurricanes, there are many terms used to describe their levels of strength, and the effect one can expect with it.

Here is what to listen for:

Hurricane Watch: An announcement that hurricane conditions (sustained winds of 74 mph or higher) are possible within the specified area in association with a tropical, subtropical, or post-tropical cyclone. During a watch, prepare your home and review a plan for evacuation in case warnings are issued.

Tropical Storm Watch: An announcement that tropical; storm conditions (sustained winds of 39 to 73 mph) are possible within a specified area within 48 hours in association with a tropical, subtropical or post tropical cyclone. During a watch, prepare your home and review a plan for evacuation in case warnings are issued.

Hurricane Warning: An announcement that hurricane conditions (sustained winds of 74 mph or higher) are expected somewhere within the specified area in association with a tropical, subtropical, or post-tropical cyclone. Because hurricane preparedness activities become difficult once winds reach tropical storm force, the hurricane warning is issued 36 hours in advance. The warning can remain in effect when dangerously high water or a combination of dangerously high water and waves continue, even though winds may be less than hurricane force.

Tropical Storm Warning: An announcement that tropical storm conditions (sustained winds of 39 to 73 mph) are expected somewhere within the specified area within 36 hours in association with a tropical, subtropical, or post-tropical cyclone.

Extreme Wind Warning: Extreme sustained winds of a major hurricane (115 mph or greater), usually associated with the eyewall, are expected to begin within an hour. Take immediate shelter in the interior portion of a well-built structure.

Be aware that additional watches and warnings are issued to provide detailed information on specific threats such as flood and tornadoes. Local National Weather Service offices issue flash flood/flood watches and warnings as well as tornado warnings.

For more information on what damages are covered under your homeowners insurance due to a hurricane, please give us a call at (516) 249-5200.

Please be advised, flood damages are not covered under your standard homeowners insurance policy. A separate flood policy would be necessary. Call TODAY for a free quotation.

Written by: Amanda Haase

Do you have a family emergency plan?

Do you have a family emergency plan?

Everyone needs to be prepared for the unexpected. You, as well as your family and friends, will most likely not be together when a disaster strikes. How will you find each other? Will you know if your children or parents are safe?

Here are steps to take before a disaster happens to ensure you and your loved ones will be safe:

  • Post emergency telephone numbers near the phone.
  • Install safety features in your home, such as smoke alarms and fire extinguishers.
  • Inspect your home for items that can move, fall, break or catch fire and correct them.
  • Have your family learn basic safety measures such as CPR and first aid, how to use a fire extinguisher and also how to turn off the main’s to your gas, water and electric in your home.
  • Teach children how and when to call 911 in the event of an emergency.
  • Prepare an emergency supply kit. Here are some important items to consider:
    • At least a 3-days’ supply of water (one gallon per person per day).
    • At least a 3 days’ supply of non-perishable food.
    • One change of clothing and shoes per person.
    • One blanket or sleeping bag per person.
    • First aid kit.
    • Batteries.
    • Emergency tools.
    • Flashlight.
    • Extra set of car keys.
    • Credit card and cash.
    • Special items for infants, elderly or disabled family members.
    • Prescription and non-prescription medications.

Last but not least, practice and maintain your plan with your loved ones.

Written by: Amanda Haase

 

 

Tips for Cleaning Your Grill

Tips for Cleaning Your Grill

It’s that time of year again, where your dinner and party plans have you heading to your kitchen instead of the grill.

Before you shut down and pack up the grill for the season, it is important to clean your grill to prepare it for storage and next year’s use.

Here are some helpful tips:

  • Use a warm bucket of water and soap with a steel brush to clean your grill.
  • Avoid using abrasive cleaners and tools. This could reverse your essential goal and harm your grill!
  • Clean up all oil spills and food drippings.
  • Once you have scrubbed all of the dirty areas, be sure to wipe everything down one more time with your warm soap water.
  • Purchase a protective case/cover for your grill. This will help avoid damage and rust over the winter months.
  • Store your grill somewhere safe and dry. Perhaps your shed or even under your deck.

Simple end of the year cleaning will go a long way when it comes to ensuring the life of your grill.

Written by: Amanda Haase

Planning The Perfect Family Picnic

Planning The Perfect Family Picnic

Taking the family on a picnic is an excellent way to get fresh air and enjoy some of the last days of the summer season before the kids head back to school. The ingredients for an unforgettable picnic, however, involve more than just good food. Picking a great location and preparing extra activities can elevate your picnic from boring to amazing.

Choose a memorable location. Having a picnic at a nearby park is a safe choice but choosing a location with interesting features can make your trip unforgettable. Try a local beach or hiking trail.

Work together on the food. Working with your family to create a menu for your picnic is a great way to get everyone involved and make sure everyone has something to eat that they really love.

Bring along activities. Picnics can be about more than just food. Bringing some outdoor activities with you is a great way to extend your outdoor trip and make it extra special.

Take plenty of pictures. A family picnic offers a great opportunity for some fun pictures together. Although smart phone pictures are easy to snap, don’t forget to take some pictures with your digital camera to print later.

Don’t leave home without the essentials. If you forget a few essentials items such as water bottles or sunscreen for everyone, your picnic may quickly turn from fun to disastrous. Prepare a checklist ahead of time to avoid forgetting anything.

End this summer season unforgettably before the hustle and bustle is back for the school year.

Written by: Amanda Haase

Renters Insurance for Your College Student

Renters Insurance for Your College Student

Do you have a child heading away to college this upcoming school semester?
If you do, now is the time to look into a renter’s policy to ensure the safety of their belongings.

Research shows that 60% of renters do not carry renters insurance. Many consumers think that they can’t afford it, or it’s not important.

Truth is, renters insurance is one of the most affordable and most important policies to have when becoming a renter. The average cost of a renter’s policy is about $15 a month! That makes it easy and affordable for you and your hard working college student!

As a renter, you need coverage for your furniture and other personal belongings such as clothes, computer equipment, sports gear, art, jewelry and everything else you own.

Think about how much it would cost you to replace everything you own.

Renters insurance protects you if your covered property is lost, stolen, damaged or destroyed regardless of where it is when the loss occurs, such as while you are moving it or even in another’s home.

For more information on renters insurance, please give us a call at 516-249-5200.

Written by: Amanda Haase

Save Money While on Vacation

Save Money While on Vacation

Going on vacation often means indulging here and there on purchases. When you travel, you may want to be sure you are spending your hard earned money in the smartest ways.

Here are some suggestions on how to make your next vacation memorable and affordable!

Be flexible – Travelers who are flexible in their departure dates and times can usually find great deals and rates because they have the ability to shop price instead of date.

Pack light – Many airlines now charge extra for baggage fees, especially suitcases. Pack only the necessities.

Use coupons – Coupons aren’t only for getting cents off your brand tissue at the supermarket. Coupon and discount codes are available for just about any purchase – even vacations. Check all travel websites to see if there are any deals and specials going on when booking your trip.

Plan meals – Look into economical restaurants before departing. Know where you’ll be eating and when.

Rent small – If you are renting a car, choose the smallest model that will fit your needs. In addition, there is no need to pay for a large room that you don’t plan to spend much time in.

Consider public transportation – Investigate public transportation options near your destination. Such options may not be as convenient as taxis, but they may be more economical.

Make your next vacation unforgettable.

Written by: Amanda Haase

 

Summer Guide to U-Pick Lewin’s Farm!

Summer Guide to U-Pick Lewin’s Farm!

Summer is here and that only means one thing, fresh summer produce! If you love fresh fruits and vegetables, check out one of Long Island’s many “U-Pick” farms on the east end! With a wide variety of choices ranging from blueberries, raspberries, blackberries, peaches, tomatoes, peppers, eggplants, and more, you and your family are sure to find something you all love!

Lewin’s farm on Sound Avenue in Calverton offers many fun, family activities along with their “U-Pick” farm experience.

Even if you don’t feel like picking your own produce, Lewin’s offers a huge farm stand of already picked fresh produce right at your fingertips.

While there, make sure to take a drive down Sound Avenue and see what other farms and stands can offer you.

Its summer fun for the whole family, don’t miss out on this year’s summer picking season.

Lewin Farm
812 Sound Avenue
Calverton, NY 11933
Phone: 631-929-4327

Written by: Amanda Haase

Looking for a twist on your weekend breakfast/brunch?

Try Amanda’s recipe for Cheese and Blueberry Danish

What you need:

  • 1 package (8 oz.) refrigerated crescent dinner rolls
  • 4 oz. package of cream cheese
  • Sugar to taste
  • ½ cup of Blueberries

How to make it:

  • Heat your oven to 350 degrees
  • Unroll the crescent rolls onto a greased baking sheet
  • Use two triangle pieces to make one square (you will have four at the end)
  • Pinch the seams to hold the dough together
  • In a bowl, mix the softened cream cheese and sugar until it is as sweet as you like
  • Spread a spoonful of cream cheese onto the dough and top with a handful of blueberries
  • Bring opposite corners of rectangles together and press together to seal.
  • Bake 11 to 13 minutes or until golden brown

Enjoy!