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Fdazar > Blog/News (Page 3)

Hot Dog: Pets in Parked Cars

It can be dangerous, even deadly, to leave a pet inside a hot car. Earlier this year, Governor Hickenlooper passed a law in Colorado granting immunity if you break a dog out of a hot car. On a 78-degree day, the temperature inside of a parked car can reach 100 degrees in just a few minutes. With summer temperatures around 90-degrees, the interior temperature can reach as high as 109 degrees in less than 10 minutes. As we enter the hottest months of the year, it is important to know what to do if you see a pet trapped in...

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Look Both Ways Before You Cross: Crosswalk Safety

As of 2016, pedestrian deaths make up 14% of total traffic deaths in the U.S. To try and decrease this number, state legislatures are tightening pedestrian right-of-way laws. In Colorado, motorists must yield to pedestrians if they are on the same side of the road or are approaching closely enough from the opposite side of the roadway to be in danger. Right-of-way laws in Colorado regarding pedestrian are described in the Driver Handbook as “when driving, you should yield the right-of-way to pedestrians under all conditions”. With sunny skies ahead, it’s important to know how you can be safe both...

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Dunk Tank for Aurora Public Schools

It’s that time of year again! The staff at Franklin D. Azar & Associates hosted a Dunk Tank fundraiser for Aurora Public Schools. The Aurora Public School system is an incredibly diverse collection of nearly 40,000 students from 131 different countries, speaking 133 languages! Though APS is an amazing school system, they have to run on a pretty tight budget and at some Aurora Public Schools, budgeted supplies can be as low as $30 per student. On average school supplies cost around $200, $330, and $375 per elementary, middle, and high school student respectively. Franklin D. Azar & Associates is...

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Let’s Talk About Insurance: Conclusion

Over the past week we have talked about each type of auto insurance that can be purchased. Today we will go over a review of the types of insurance and give some scenarios when each kind of insurance will be in play. Generally it is a good idea to buy all 6 types of auto insurance and to purchase the highest limits that your family can afford.  It only takes one bad crash for you to wish you had signed up for better insurance. Here are the types of insurance we talked about: Liability Coverage Bodily Injury Liability (BIL) Required...

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Total Solar Eclipse: Things you should know

On Monday, August 21, a total solar eclipse will be visible across the United States. A solar eclipse occurs when the moon passes between the Earth and the sun, temporarily blocking the sun from view. During this eclipse, the path of totality, the path covered by the shadow of the moon which is created by the moon completely blocking the sun, will cover ten states from Oregon to South Carolina. About 12 million Americans live within this path and another 200 million Americans live less than one day’s drive away. Authorities are expecting about seven million of those people to...

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Let’s Talk About Auto Insurance: Medical Payments

Medical Payments coverage is the final type of auto insurance we will be talking about. Medical payments, also called MedPay, works the same was as collision coverage but for medical bills. MedPay coverage will pay your medical bills and the bills of anyone in your car who is injured in a collision, whether you are at fault or not. This will include collisions with stationary objects. Now, you may be wondering what the difference is between MedPay and your health insurance. Well, MedPay can work in two different ways: as primary coverage or as supplemental coverage. If MedPay works as...

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Let’s Talk About Auto Insurance: UM/UIM

As we have already discussed you are required to hold liability coverage if you drive in the state of Colorado and most other states. However that does not mean everyone carries it. Many people do not have auto insurance which can cause a headache for you if you are in a collision with someone who is uninsured. In fact, about 13% of drivers on the road are estimated to be uninsured. So if you are in a collision with someone who is uninsured and the collision was their fault, who is going to pay for your medical bills? Well, if...

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Let’s Talk About Auto Insurance: Comprehensive Coverage

We have talked about liability coverage and collision coverage and to wrap it all up we need to talk about comprehensive coverage. Comprehensive coverage covers everything else that collision coverage does not. This includes hail, fires, theft, vandalism, animal collisions, and floods. Basically, it covers everything that damages your car that is not a collision. How much does comprehensive coverage cost? Comprehensive coverage works the same way as collision coverage with a deductible. Because the events that result in comprehensive coverage loss being used are less common than collisions, deductibles tend to be lower. The average comprehensive deducible in Colorado is...

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Let’s Talk About Auto Insurance: Collision Coverage

In the past two blogs we have talked about the kind of auto insurance you need to purchase to make sure the other party in a collision is taken care of. Now let’s talk about how to make sure your property and injuries are taken care of. In this blog we are going to explore property damage coverage to protect your vehicle. We will be talking about the insurance that takes care of your medical bills in another blog in a few days. “Collision” coverage is different than property damage liability because liability is no longer an important factor. Collision coverage...

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It’s that time of year again… Birthday Season

Most of us know at least one person who shares our birthday, maybe two.  But what if you were born in late summer, or more specifically in August? Chances are you know more than just a few people who share your birthday, and that’s because August is the most common month for births across the United States.  In data kept by the United States Center for Disease Control, birth records have shown consistently over the past several decades that August is time and again the most common birth month.  So, August is the most common month, but what is the...

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