Summer Fun and Motorcycle info

Did you know that if you own a Motorcycle and have an accident, most of the time you have no Medical Coverage on your Motorcycle policy. Also if your bike has accessories check and see what is covered and for how much. Before you go out to ride this season check your tires air pressure and make sure they are properly inflated. It is a good idea to not overinflate and during the spring it may help to underinflate by a small amount for better traction on wet pavement. Check your oil after you finish riding to make sure it is at the right level. Did you know we can help you with all your NJ Motorcycle Insurance needs. We have two different companies for you to get the best deal.
Call us at 732 679 8545
Be safe and have fun.

Frozen ? Tips to avoid frozen pipe

7 Steps To Prevent Frozen Pipes

Water expands as it freezes. This expansion puts extreme pressure on whatever is

containing it, including metal or plastic pipes. Pipes that freeze most frequently are those that

are exposed to severe cold, like outdoor water faucets, swimming pool supply lines, water

sprinkler lines, and water supply pipes in unheated interior areas like basements and crawl

spaces, attics, garages, or cabinets. Also, pipes that run against exterior walls that have little

or no insulation are also subject to freezing.

Step 1: Check It Out

Check the insulation of pipes in your properties crawl spaces and attic. Exposed pipes are

most susceptible to freezing.

Step 2: Install Heat Tape

If you know your property often suffers from frozen pipes you should consider having heat

tape installed on those pipes. Heat tape or thermostatically controlled heat cables can be

used to wrap pipes and keep them warm.

Step 3: Keep The Cold Out

Seal leaks that allow cold air inside near where pipes are located. Look for air leaks around

electrical wiring, dryer vents, and pipes, and use caulk or insulation to keep the cold out. With

severe cold, even a tiny opening can let in enough cold air to cause a pipe to freeze.

Step 4: Shut-Off Outdoor Faucets

Use an indoor valve to shut-off and drain water from pipes leading to outside faucets. This

reduces the chance of freezing in the short span of pipe just inside the house.

Step 5: Open The Faucets A Little

A trickle of hot and cold water might be all it takes to keep your pipes from freezing. Let warm

water drip overnight, preferably from a faucet on an outside wall.

Step 6: Don’t Turn Down The Heat

Keep your thermostat set at the same temperature during both day and night. You might be in

the habit of turning down the heat at night, but further drops in the temperature – more

common overnight – could catch you off guard and freeze your pipes.

Step 7: Open up closets and cabinets

Open closets and cabinet doors to allow heat to get to un-insulated pipes

Please remember A Berne Corp: Insurance for all your insurance needs
www.bernecorp.com
 

Uninsured/ Under Insured Motorist Coverage

I have seen quite a few policies that have a high limit of liability 250/500/50 and yet have minimum coverage on their uninsured motorist (UM) coverage such as 15/30/5. When I ask them why, I usually get the same response. "I'm not paying for some uninsured person". In reality that coverage does not cover the uninsured person, it covers YOU in case he is Uninsured or Underinsured. You should always match you UM coverage to your liability as this coverage protects you. Here is a scenario. I'm at a red light and get rear ended by a uninsured driver. Normally if  he is not insured he will have nothing to go after legally so where would I turn. I would go to my own policy under uninsured motorist coverage. If he had some coverage but not enough I would go through underinsured coverage. Any questions feel free to call us at 732 679 8545. Thank you for reading our Blog

PIP is the medical portion of your auto policy. You may be able to save money by choosing your Health Insurance to be primary, however you must be careful and make sure they will accept being primary and you also may have to notify them first. Remember to speak to your agent or broker and your health provider before changing these options.