A severe thunderstorm has many damaging and life-threatening perils, such as wind, hail, and lightning. Lightning strikes the United States approximately 25 million times a year. In fact, the Empire State Building gets struck on average 23 times per year. While most lightning occurs in the summer, people can be struck at any time of year.

In the United States, lightning kills 47 people per year and injures hundreds more. While I’ve never been struck by lightning, I’ve had a couple of close calls. My first encounter was as a young boy. My parents asked me to go out onto our deck to bring in the furniture cushions. I didn’t think too much about it until lightning struck our house while I was outside. It definitely was a bright flash of light. Obviously, I dropped the cushions and ran indoors as quickly as I could. While we didn’t know it at the time, the lightning ran through our house burning out all our electronic components. Unfortunately, that put an end to the flashing disco lights on our juke box.

My second encounter was as a young dad living in an apartment complex. My newborn infant was peacefully sleeping in her crib. I went to close her window blinds and suddenly lightning struck the ground outside her window. Shortly after, I smelled smoke coming from our garage. When I went to check it out, I realized the garage door opener was burned out. Luckily, it didn’t start a fire. When I talked to my neighbor the next day, I learned that as a result of the lightning strike, their cordless phone was melted to the base.

While I haven’t won the lottery, you can see from my encounters, lightning can strike anyplace at any time. Here are some lightning myths and safety tips to keep your family safe.

Myths

1.  Lightning never strikes twice. While each storm produces different lightning strikes, an object can be struck more than once. An object’s size and location can make it an ideal target.
2.  If I don’t see rain or dark clouds, I’m in the clear. Lightning can travel several miles from the center of a thunderstorm. Even if your skies are blue, if you can hear rumbles of thunder it may be wise to seek shelter.
3.  Seeking shelter under a tree will keep me safe. While standing underneath a tree will keep you dry from the rain, or provide some protection against small hail, it won’t protect you from lightning. Being struck by lightning while underneath a tree is the second leading cause of lightning related deaths.
4. Only tall objects get struck by lightning. Lightning can strike anywhere. However, tall pointy objects do have a better chance of being struck. But as you learned from my encounter above, it can hit the ground and disperse.
5. Lightning can’t hurt me if I’m indoors. Staying in your home in an interior room during a storm offers you the best protection. However, if lightning strikes your home, it could run through cables, wires, plumbing, and electrical appliances.

Safety Tips

1. Always keep an eye on the weather. Whether you’re taking a day trip or an extended vacation, always be aware of the weather. Not only will it help you pack appropriately, it can keep you and your family safe.
2. Seek shelter. As I mentioned above, if you hear a rumble of thunder, it’s time to go indoors. Not only can lightning travel for miles, high wind, hail, and torrential downpours can also be dangerous. If you’re driving, consider pulling off the road and finding a safe location to take cover. If you must remain in your car, avoid touching metal or other surfaces that conduct electricity. Lastly, avoid seeking shelter in tents and pavilions as they don’t provide adequate protection.
3. Turn off the water. Since lightning can travel through your home’s plumbing, it’s best to avoid using sinks, bathtubs, and other appliances that use water during a thunderstorm. You can take a shower or finish the dishes once the storm leaves your area.
4. Don’t use your electronics or appliances. Avoid using anything that’s connected to an electrical outlet. This includes computers, gaming systems, and household appliances. Lightning can travel through your home’s wiring. Grab a book to read, or simply relax until the storm is over.
5. Scatter. If you’re enjoying a family reunion and a storm quickly rolls in, scatter. Lightning can strike the ground and disperse causing injury. By moving apart, you can reduce the number of injuries to your family.
6. Don’t forget about your pets. If your pet loves being outside, don’t forget about it as you scramble to close your windows. Dogs that are on metal runners or that are leashed are more susceptible to lightning strikes.
7. Call 911. If your house is struck by lightning and you think a fire may have started, get your family to safety, and call 911 immediately. Don’t spend too much time investigating or trying to put it out yourself.

Topics: Weather

Posted by Scott Stueber on Jun 2, 2020 10:00:40 AM

Beat the Heat

Anybody can be at risk for a heat-related illness. Follow these summer safety tips, like taking extra breaks and drinking lots of water.

Bug Safety

Mosquitoes can cause a number of illnesses, including Zika Virus and West Nile Virus. Learn what you can do to protect yourself at work and play.

Playgrounds

Emergency departments see more than 20,000 children ages 14 and younger for playground-related traumatic brain injury each year.

Fireworks

Summer is synonymous with barbecues, parades, fireworks displays – and plenty of visits to emergency rooms, especially during July.

Water Safety

Drowning caused 3,709 deaths in 2017. The younger the child, the greater the risk.

Bicycling

Bicyclists must take extra precautions when they ride. They often share the road with vehicles, but injuries can happen even on a bike path.

Skateboarding

Everyone falls, but there’s a right way to do it. In 2017, 98,486 people were treated in hospital emergency rooms after being injured skateboarding.

Boating

Most boating experiences are positive. But joyful times quickly can turn deadly if boaters are not vigilant about safety – at all times.

Pedestrian Safety

Cell phone distracted walking is a huge problem, and rarely are we more vulnerable than when walking, crossing streets and negotiating traffic.

The minutes right after a car accident are a blur. What just happened!? What am I supposed to do now?

Well, first, take a deep breath then:

1. Move to a safe location

If you are able to move your vehicle, get to a safe location off the road and put your hazard lights on.

2. Check on everybody involved 

Are you okay? Any pain when you move? What about the other vehicle(s)? It’s important to check to see if anybody needs immediate help.

3. Call 911 

The dispatcher will ask where you are and if anybody is hurt. Give them the best description of your location. Landmarks such as nearby gas stations or mile markers are helpful. This is important to do even for minor collisions. If the police are able to come to the scene, they will file a report of your car accident. This will help your insurance claim process.

4. Exchange insurance information with anyone involved

Whether law enforcement is able to come to the scene or not, documentation is crucial. Make sure you record important details, like:

• Driver’s contact information (name, phone number and address)
• License plate numbers
• Driver’s license numbers
• Car insurance information (name of insurer, address and phone number)

Additionally, if you or someone else in your vehicle can safely take photos of the accident scene and involved vehicles it can help with documentation. Lastly, try to limit your conversations with involved parties. An auto accident is likely to lead to a liability dispute and the accident scene is not the appropriate forum for those discussions.

5. Call your insurance agent

After the police arrive, call your local independent agent that services your policy. If the accident happens after your insurance agent’s operating hours, some carriers offer an after-hours 1-800 number. For Auto-Owners policies, we have our 1-888-252-4626 number for after-hours claims.

6. Call your veterinarian if your pet was in the car, and was injured, during the accident

At Auto-Owners, we believe that pets are family. That’s why our auto policies come with Pet Medical Coverage. This coverage may pay up to $750 for your injured pet’s medical expenses, with no extra charge or deductible.

We’ll Take It from Here

After you call your agent, one of the first things that will happen is a claim number will be assigned. Soon after that, a claim representative will be assigned to your claim. The claim representative assigned to your claim will guide you through the process of getting an estimate for your vehicle. The method of inspection will be determined by the severity of the damages to your vehicle.

Whether your car needs a minor repair or is a total loss, the claim representative’s job is to answer any questions and help get you back on the road.

Depending upon your state of residence, some insurance companies may require you to choose from a list of preselected body shops for repairs. At Auto-Owners, we let you choose where you want your repairs done and then work with them to come to an agreed price.

 

Getting Behind the Wheel Again

Your auto policy may include a rental car reimbursement. With Auto-Owners, your claim representative will work with you and the rental agency to bill us directly, subject to your policy limits. Your policy will keep you in the rental for a reasonable time to conduct the repairs or until any total loss offer. We may also cover food and lodging for a short time immediately following the accident if you are on vacation or out of town on business when the accident happens.

It is good to have a local support when you’re involved in a car accident. With over 100 claim offices in 26 states, we believe our claims branches should be as close as possible to our policyholders and agents.

Posted by AutoOwners Insurance, April 2020

Your ability to earn a living is far and away your largest asset. Learn how to protect your paycheck if you become unable to work in the event of sudden injury or illness.

Disability Insurance

Think about it. What would happen if suddenly, due to an illness or injury, you were unable to work?

Without your paycheck, how long would you be able to make your mortgage or rent payment, buy groceries or pay your credit card bills without feeling the pinch? If you’re like most, it wouldn’t be long at all: 7 in 10 working Americans couldn’t make it a month before financial difficulties would set in, and one in four would have problems immediately, according to a Life Happens survey.¹

That’s where disability insurance comes in. Think of it as insurance for your paycheck. It ensures that if you are unable to work because of illness or injury, you will continue to receive an income and make ends meet until you’re able to return to work.

You don’t hesitate to insure your home, car and other valuable possessions, so why wouldn’t you also protect what pays for all those things—your paycheck.

Posted by LIFE HAPPENS, 2018.

Overview

The number of motorcyclists killed in crashes dropped to 4,985 in 2018, an almost 5% decrease, but motorcycle riders are still overrepresented in traffic fatalities. To keep everyone safe, we urge drivers and motorcyclists to share the road and be alert, and we’re reminding motorcyclists to make themselves visible, to use DOT-compliant motorcycle helmets, and to always ride sober.