It’s the Apocalypse, wait its just Snow.

Sitting here today as Oklahoma weather shows it’s ugly face, and everyone preps as if the zombie apocalypse is about to occur, you know rushing to the grocery store fighting over bread and milk.  Nevertheless I thought since everyone else was stocking their cabinets with food and supplies I would prep you all with some winter driving tips!

RCI Snowy Vehicle

Winter Weather Driving Tips from The Weather Channel:

1. Make sure both you and your vehicle are properly equipped to handle the roads and the weather. My husband laughs at me because when the weather rolls around I put snacks & blankets in my car. I don’t want to starve or freeze to death! I think the amusing part here is that we do not live in Montana where you go MILES without seeing anything or anyone. Bottom line here, dress accordingly and be prepared for anything.

2. Slow down & drive smoothly. Speeding to get out of the weather is not going to help anyone. Patience is a virtue (I am not saying I have much of one myself), but driving slower and being more cautious is going to be your saving grace.  Keep your lane changes to a minimum, and do not lay on your brakes.

3. Do Not Tailgate. Obvious as it may be tailgating provides a ton of accidents and claims.  I also know that driving on a busy road makes tailgating hard to avoid.  If you leave too much space between you and the car in front of you other drivers jump right in. Stop and go traffic is the worst. A fender bender in the freezing rain and snow is not the way you want to spend your time. These fender benders are so frequent when roads wet or icy some cities run programs like Tulsa’s “Operation Slick Streets” which means that officers will not respond to non-injury accidents. They suggest you exchange insurance information and if you are close to a Quick Trip you can pick up a collision report to fill out.

4. Do Not use Cruise Control. Hopefully this will keep your speed down as well as keep you more aware of your surroundings.

5. Pull over or stay home. Of course if you are able to stay home and out of the weather that would be your best bet. If you do have to get out then remember that there is no shame in pulling over or waiting till the weather lightens up before heading on your way.

While working on this I have read on that Tulsa has in fact enacted the “Operation Slick Streets” this means it is getting rough out there. Hopefully everyone has their milk and eggs because as of this morning there was not a lot left. Everyone remember these driving tips and be safe as you head home!


Replacement Cost vs. Actual Cash Value

Although insurance cannot do anything to ensure your love and dreams are fulfilled, it can ensure that they are not crushed when disaster strikes. Oklahoma has had its share of catastrophes the last few years – tornadoes, ice and snow storms, earthquakes, hail damage, and most recently, massive wildfires.

Many Oklahomans have lost their homes and all of their belongings and are without insurance to replace their possessions. With Oklahoma’s increasing disasters, homeowners and/or renters insurance is extremely important.

One of the questions I get asked the most when writing an Oklahoma Home Insurance is, “Why are you putting that much coverage on my home when I could only sell it for half of that? It’s too much coverage!” This is something I hear on an almost daily basis – and a great question!

The answer is that I am covering your home on a replacement cost basis – the amount of coverage it would take to rebuild the home with the same like, kind, and quality of home and at the same location as your current home.

There are several factors that are considered in figuring the replacement cost of a home – how big the home is, how many bathrooms, the quality of the kitchen and bathrooms, the materials used to build the home, attached garages and/or carports, the type of foundation the home is built on, and any attached porches, decks, or patios.

The amount you would be able to sell the home for is called the actual cash value or market value of the home. You can take the exact same house and put them in two different neighborhoods – one neighborhood is a gated community on the golf course and the other neighborhood is the “enter at your own risk” kind of neighborhood. The house on the golf course would easily sell at a higher price than the house in the sketchy part of town. This is the market value of the home. However, if both of these homes were completely destroyed, it would cost essentially the same amount to rebuild each house.