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Driving Safety

Commercial Auto Premiums: Factors & Advice

As with any other insurance rates, your commercial auto premiums are based on a number of factors, beginning with a combination of potential risk factors (how much driving occurs, and in which areas) and loss history (actual record of accidents, judgements, etc.). That mix of the past and the future will largely determine your risk…

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Be Prepared for Roadside Emergencies

Expect the best and prepare for the worst, the saying goes. While vehicles overall are very reliable these days, breakdowns and accidents do happen, as do sudden changes in weather that could leave you stranded. Some auto insurance policies offer roadside assistance for a minimal annual cost – take advantage of this! In case you…

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Oh, Deer! Avoiding – and Dealing With – Animal Collisions

Of all the hazards we encounter in our daily driving, the behavior of deer and other wildlife might be the most unpredictable. Wild animals can move quickly and in seemingly random directions, and encounters with moving vehicles happen all too often. The good news is that collisions between vehicles and deer were down slightly nationwide…

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Distracted Driving is a problem! We have a solution…

You probably don’t need statistics to tell you that distracted driving is a huge problem. Take a glance at other drivers and you’ll almost always find someone looking down at his or her phone instead of watching the road. For many, “distracted driving” translates to “teens texting.” And while it is a huge problem with…

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Maryland License Renewal and the REAL ID Act

If you or your family members need to renew a Maryland driver’s license, be aware that you’ll now need additional documentation. The changes stem from the REAL ID Act, a federal law passed by Congress in the wake of September 11, 2001 attacks. The REAL ID Act establishes specific minimum federal standards for state-issued driver’s licenses and…

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Making Your Day Easier

At Consolidated Insurance, our belief has always been that we best serve our clients as not just a broker, but as a partner in helping their businesses better manage their risk. To that end, we’re proud to re-introduce MyWave Connect, a time-saving online resource that puts clients in control of customized compliance information and much…

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Taken for a Ride: What to Know as a Ride-Sharing Passenger

In a recent post we addressed the changing picture of liability coverage for those working as drivers for ride-sharing service like Uber and Lyft (if you missed it, read it here).  But what are the risks to passengers of these wildly popular services? The first thing to understand is that in many cases individual states…

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Being Uber-Careful: Who’s Responsible?

Few businesses have had the widespread impact of the ride-sharing industry. Marrying the GPS and mapping function on every smartphone with a platform for payment, companies like Uber and Lyft are responsible for declines of up to 30 percent in taxi usage. Most agree that the convenience of ride-sharing has reduced incidences of driving while…

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Cellcontrol: An Easy Solution for a Serious Problem

You probably don’t need statistics to tell you that distracted driving is a huge problem. Take a glance at other drivers and you’ll almost always find someone looking down at his or her phone instead of watching the road. For many, “distracted driving” translates to “teens texting.” And while it is a huge problem with…

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Fleet on the Street – Your Preventative Maintenance Plan

In a recent post we discussed the importance and benefits of a formalized maintenance program for your vehicle fleet (if you missed it, see it here). Having discussed the why of a structured program, let’s talk about the how. What are the components of a successful vehicle maintenance program? Mission statement. Mission statements may seem…

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