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Women Drivers

January 31, 2012 By Jon DeKok

Hello – Joy here.

Since I started driving in 1973, I have heard women drivers are by far the worst on the road. While I’m not a feminist, this has always bothered me. So, to find answers, I did some research.

Here are some interesting facts:

  • Women are involved in HALF as many accidents as men.
  • The majority of accidents involving women happen at lower speeds and
    result in less property damage or bodily injury.
  • Women drivers pass the written and practical driving exams the first
    time more often than men.

There have been a few statistical changes in the past few years as women spend more time behind the wheel.

Younger women are found to be more aggressive drivers than in the past and there’s an increase in speeding violations, but they are still less than their male counterparts. Young mothers in mini-vans are far more easily distracted by their passengers and there’s an increase in minor violations. Business women and women driving SUVs show an increased tendency to tailgate and speed.

Even with these increases, women are still considered safer drivers than men, and their insurance is less expensive.

While the gap between male and female drivers is closing, women have never been or are they now the worst drivers.

I admit, I really enjoyed writing that last sentence.

Two True Stories:

I was riding in a car driven by a guy (NOT my husband), and a car cut us off and was driving badly. He smacked the steering wheel and said, “That’s got to be a woman driver. Let’s get her license plate number.” At the next red light, we caught up with the car, and his eyebrows rose when we both looked at the driver: a man about the same age as the driver in the car with me. Suddenly reporting the erratic driving wasn’t important.

This morning on the way to the office to write this blog post, I noticed a Pontiac that was all over Hwy 52. The driver was crossing lines and speeding – I was going just over 65 MPH,, and this car zoomed past me. I noticed she was looking intently into her review mirror and I assumed she was watching out for law enforcement. I was wrong. A couple of minutes later, we took the same exit and traffic plus a red light forced the driver to slow down. I  watched the driver (a young woman) applying mascara and fussing with her bangs, while she talked into the blue tooth device sticking out of her ear. She nearly poked her eye out when the light turned green.

So there you have it – the facts and a bit of “fair & balanced” reporting.

Joy

 

 

Joy DeKok, Marketing Assistant to Jon DeKok

Independent Agent for DeKok Insurance Group

Better coverage at better prices.

 

 

 

P. S. There are many resources like this one on the Internet, but I’ll share just one recent study about men and women drivers done by MSN in 2011.

http://editorial.autos.msn.com/article.aspx?cp-documentid=788126

[tweetthis]Women Drivers #MNInsurance #IndependentAgent #Insurance[/tweetthis]

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Filed Under: Auto Insurance, Statistics, Women Drivers Tagged With: better coverage, better prices, DeKok Insurance Group, Jon DeKok, Joy DeKok, Joy here, MN auto insurance, MN insurance, MN Insurance Information, women drivers

Deer in the Headlights

December 20, 2011 By Jon DeKok

If you have an accident with a deer, it’s easy to assume the claim will be filed as a collision – after all the animal and car collided right? However, a deer hit is covered by your comprehensive protection.

Other incidents usually covered under your comprehensive insurance: theft, vandalism, fire, natural disasters, and collision with animals.

If you have questions about insurance in Minnesota, give me a call or email me at [email protected].

If you’re looking for quotes on your insurance, I am happy to tell you that 95% of the time I can offer you better polices at better prices.

Sincerely,

Jon

507-226-8121

[email protected]

[tweetthis]Deer in the Headlights. #DeerHit #MNInsurance #Comprehensive #Collision [/tweetthis]

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Filed Under: Auto, DeKok Insurance Group Tagged With: better policies, better prices, Deer Hits, DeKok Insurance Group, Insurance, Insurance Questions, Jon DeKok, MN insurance, MN Insurance Information, MN life insurance

Ice Dams

December 15, 2011 By Jon DeKok

Ice Dams, DeKok Insurance

My wife likes the way icicles glisten in the winter sun. They can be pretty, but they are a symptom of something very unattractive.

An ice dam is the build-up of ice along the overhang of your roof.  When the roof warms up in the sun or due to warmer weather, other ice and snow higher up on the roof melts, and the water forms a pool above the build-up of ice along the edge of your roof.  At this point, the water can back up under the shingles and leak into your home.

The damage from this leakage is covered under most homeowner’s policies minus your deductible.

To prevent ice dams, remove the snow from the edges of your roof. This allows the moisture to drain and decreases the risk of damage inside your home.

Do you have insurance questions? Call my office at 507-226-8121 or email me at [email protected].

I look forward to hearing from you,

Jon

 

507-226-8121

[email protected]

[tweetthis]Ice Dams #Insurance #DeKokInsuranceGroupInc #Icicles[/tweetthis]

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Filed Under: DeKok Insurance Group, Home Owners Insurance Tagged With: better policies, better prices, DeKok Insurance Group, Ice Dams, Insurance, Insurance Questions, Jon DeKok, MN home insurance, MN insurance, MN Insurance Information

Frozen Water Pipes

December 13, 2011 By Jon DeKok

With sub-below temps, what happens if your water pipes freeze?

Most homeowners policies cover damage caused by frozen water pipes minus your deductible. The policy will normally not pay for the actual pipe that burst, but all of the damage caused because of the burst.

Many policies also have an exclusion of coverage if  your home is vacant more than 60 days if you haven’t drained the pipes.

Call me  at 507-226-8121 (email dekokinsgroup@gmail) today to see how you’re covered.

Jon

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Filed Under: DeKok Insurance Group, Home Owners Insurance, Homeowners Insurance, Uncategorized Tagged With: better policies, better prices, DeKok Insurance Group, Frozen water pipes, Insurance, Jon DeKok, MN insurance, MN Insurance Information

Slip & Fall

November 29, 2011 By Jon DeKok

 

Fotolia_13512955_XS

 

How does your homeowner’s policy protect you if someone comes on your property and has a slip & fall accident?

Homeowner’s policies include personal liability and medical expense coverage. For instance, if your homeowner’s policy has $500,000 limits on liability coverage and $5,000 limits on medical expense coverage and someone gets hurt on your property, your policy will cover the injured person’s medical expenses up to $5,000 regardless of fault. However, if as the homeowner, you were negligent in some area that caused the person to be injured, then you would have protection up to the $500,000 if necessary. It all comes down to legal liability if the claim is above the medical expense limit.

Contact me if you have other insurance questions.

Jon

 

507-226-8121

[email protected]

[tweetthis]How does your homeowner’s policy protect you in a slip & fall?[/tweetthis]

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Filed Under: DeKok Insurance Group, Home Owners Insurance Tagged With: better policies, better prices, DeKok Insurance Group, Insurance, Insurance Questions, Jon DeKok, MN insurance, MN Insurance Information

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