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  Ramblings of a "Risk Manager"

​Being an insurance agent is not a career that gets many people excited. But, one day I discovered I could tell people I’m in “risk management”. Suddenly, with my newfound status I was interesting, dare I say intriguing? Well, let’s not get carried away here.  
In this blog known as; ramblings of a risk manager I hope to make insurance seem slightly interesting. I’ll use color photos, because people like pictures and I’ll give you some halfway knowledgeable insurance information from a local insurance company. Enjoy!

cars sit as coronavirus has people working from home

6/16/2020

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As a lot of people continue to work from home more and more cars are sitting still in the garage or driveway for longer periods of time. Not only is this leading to insurance companies scrambling to re-rate their customers insurance rates but it is also leading to unexpected issues.
When modern cars don't get driven batteries don't get charged. And when batteries don't get charged all those computers that run modern cars use up the power in those batteries. At some level modern cars are always active. They are there awaiting your return. The sensors wait for signals from your keys so that doors can be unlocked when you pull the handles. With the slow drain of power car batteries are going dead and they are needing more jump starts than normal.
So, if you don't have any road assistance and you are working from home add road assistance to your insurance. I know it seems completely contradictory. Normally you would want the coverage if you drive a lot. But, now if you aren't driving it is important to have. Or call one of your local road assistance companies and find out the cost to add some coverage for the year.
Another option is to get a battery charger. Most auto supply stores stock low voltage car chargers that will keep your cars computers up and running even if you aren't driving. That's a great option especially if you have a car parked for an extended period of time.
Another issue can be rodent damage done to a car that sits for a long time. Many rodents find the areas inside your engine to be perfect places to place a nest. With cars sitting the little critters are more likely to stop by and visit. So, if you are in an area where there is a good amount of wildlife you may want to check under the hood if the car has been sitting for awhile to make sure no new friends have moved in while you have been away.
If you did find rodent damage most auto insurance companies cover the damage under your comprehensive coverage. You would just pay your deductible and your insurance company would fix any damage beyond that. But, you would need to have comprehensive coverage on your policy.
​If you need a quote for some coverage give us a call at 951-395-0754. 
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  • INSURANCE AGENCY
    • About Insurance Agency
  • Auto Insurance
    • Auto Quote Form
    • Collector Car
    • Motorcycle Insurance
    • MotorSports
    • Motor Home Insurance
  • Home Insurance
    • Home Quote Form
    • How to Buy Home Insurance
    • Renters Insurance
    • Condo Insurance
    • Rental Properties
    • Mobile Home Insurance
    • Jewelry Insurance
    • Earthquake Insurance
    • Flood Insurance
    • Wildfire Insurance
    • California FAIR Plan
  • Umbrella & Life Insurance
    • Umbrella Insurance
    • Life Insurance
  • Boat Insurance
  • Contact
  • Blog