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Fun Facts about Illegal Things related to Driving

We all know it’s illegal to drive without auto insurance, no texting or hand-held talking while driving, no DUI, and other related stuff. Here are some driving rules you may not be too familiar with – some of which...

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About Insurance Coverage for Manufactured Home Hauler Trucks

Trucks that haul manufactured homes across highways are more difficult to insure than many other types of trucks for the obvious reason: they carry oversized cargo, transporting the homes from the manufacturer to the...

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What You Need to Know about a Sobriety Checkpoint Test

A Special PRIME Insurance Communication - Sobriety checkpoints are the exception to the invasion of privacy rules established by law to protect human rights. This is due to the severe repercussions occurring when...

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Insurance Claim: How to ensure your Auto Accident is Covered

Often, when involved in a minor accident the two parties decide on their own to handle the damages without filing a police report or making an insurance claim. This may seem the logical choice to avoid a rate increase,...

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Merging into Traffic: How to do it Safely

My friend has been driving for years but she wants to take some lessons from a driving school. Why? She’s afraid of highway driving. She is just not comfortable with the whole merging factor. RELATED: how to...

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Driving Safer: How to Make Auto Insurance Cheaper

The insurance industry is on the bandwagon to promote safer driving by offering significant auto insurance discounts to those who engage in safe driving techniques through a monitoring program. In an age where so...

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The Fun Facts about Luxury Cars

The supreme high-end driving experience - that’s what Mercedes, Range Rover, Roll-Royce, Bentley, Porsche, BMW, Audi, Lexus and other luxury cars are touted for. Although most cannot afford the steep purchase price,...

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How to Minimize the Fire Hazards of Smoking

Everyone understands that smoking is bad for health. What many do not realize, though, is that smoking is a leading cause of home, property and forest fires - and resulting damages and loss of life. While your home...

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The Serious Facts about Driving Safer

Close to 1 and a quarter million people are killed annually in auto accidents. Anyone who contemplates the statistic will understand the need to drive skillfully. Besides having proper auto insurance coverage, here...

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How Insurance Protects the Ice Cream Truck

Unfortunately for some, the musical jingles associated with the ice cream truck are a stark reminder of tragedy. Statistics tell the sad tale of too many fatal accidents involving eager children crossing the street...

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Interesting Facts about Memorial Day Weekend

As we enjoy the holiday weekend by participating in recreational activities together with family and friends, we would be remiss if we would not take some time to focus on the serious nature of the juncture. Prime...

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How NJ Combats Summer’s Auto and Boating Dangers

The 101 Days of Summer Traffic Safety Campaign - Auto insurance companies that service NJ no doubt are celebrating the new campaign initiated by the state’s Attorney General in conjunction with the Division of...

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Personal Insurance Protection: Why You Need the Coverage

Personal Insurance Protection is often called PIP in the insurance industry. It is part of an auto policy that pays for medical and rehabilitation bills - and in some instance, loss of wages and other related costs -...

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Fun Facts about Travel and the Travel Industry

A PRIME Insurance Special Feature 11 Travel-Related Facts to Ponder - More than 74 million employees in the US have jobs related to travel and tourism. As per air travel personnel protocol, the pilot and co-pilot...

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How to Do Your Part to Clean Up the Environment

A Prime Insurance Green-Earth Focus - Climate change, Carbon emissions – these are the issues at hand for environmentalists and anyone part of the globe. With hurricanes, tornadoes, floods, other severe weather...

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How NJ is Working towards Ride-Share Passenger Safety

Sami Josephson was a young college student just a few months away from graduating college when she mistakenly entered a car she thought was the Uber ride she had ordered. Tragically, Sami’s lifeless body was found...

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When Someone Borrowing Your Car Causes the Accident

My friend sighed as he related how he had lent his car to a cousin. Shortly thereafter, the cousin called him about an accident he had caused that had left the car with damages. The towing company needed to speak...

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Moving - Storage Company: How Insurance can protect from Liability

Moving and/or storing other people’s belongings: that’s risky business! Liable for customers’ personal and business furniture, appliances, equipment and more, a professional Moving or Storage company is responsible...

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What Insurance Policies are Required Forms of Coverage?

Since modern times, property insurance has been widely recognized as a protective measure for families, homes, property and businesses. By definition, insurance is an agreement between one party and the insuring...

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How to Change a Tire that becomes Flat While on the Road

It’s a driver’s nightmare: you’re driving and your vehicle starts bumping as if you’re on a collision course that’s full of potholes. Potholes don’t seem to be the problem here. You rightfully suspect a flat tire......

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When Insurance Covers an Auto-Bike Accident

Spring and summer’s irresistible pull to the great outdoors includes bicyclists. The added traffic strain on the roads, however, places drivers of all types of vehicles at risk of a related accident. MORE: when the...

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Fun Facts about Reasons for Insurance Claims

Of course there’s nothing funny about accidents, injury, damages or insurance fraud, but get a load of these outrageous details mentioned on insurance claims and join the professionals in a good laugh at the crazy...

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How to Get a Better Insurance Rate for your Teen Driver

Let’s face it. When it comes to teen drivers, there’s a lot to be concerned about. At a higher accident rate than other age groups, insurance does get much more expensive. Traditionally, male teen drivers pay more...

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Eight Things Every Driver Should Know about Insurance

Carrying auto insurance for your vehicle is the law. If caught without it, you may be subject to a significant fine, a suspended license, all the financial consequences when you are involved in a collision and...

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Sand and Gravel Hauler: What Kind of Insurance?

So, you operate a trucking operation that hauls sand and gravel and aggregate or ore. In regard to insurance, the underwriters generally find it difficult to place the auto liability and physical damage coverage...

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When the Traffic Ticket will Raise Your Auto Insurance Premium

Bad enough that if you get a traffic summons, you end up paying a fine, but, depending on the offense, it will also result in a rise in your auto premium. So, pay attention, drivers. This is what you need to know in...

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How Insurance protects your Quick Lube or Auto Repair Business

Like the full-service auto repair shop, those in the Quick Lube or vehicle oil changing industry may include mechanics on staff to service customers’ basic mechanical or maintenance needs. Related insurance...

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5 Fun Facts about Women and Insurance

International Women’s Day celebrates the advancement and achievements of women around the globe. Women are spotlighted in every aspect of life – home, business, politics, and insurance protection. Prime Insurance...

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What Insurance for Auto, Truck Dealers or Renters?

Though essentially different in nature, the auto seller and renter both need insurance to protect them from management hazards, related safety liability, among other involved risks. The following serves as a quick...

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How to Proceed when Your Vehicle Runs out of Gas

A Guide from the Insurance Specialists - It’s never a good idea to drive when the gas meter says you’re running on low. Whatever the reason for negligence about this all-important aspect of driving, emergencies...

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How to Master the Art of Parallel Parking

If you are like many drivers, you are uncomfortable when it comes to parallel parking. But a little practice in an empty parking lot using cones or other place markers to create a mimicked parking situation can go a...

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The Staged Auto Crash: How to Recognize the Signs

The insurance industry is very vigilant about fraudulent claims. One of the most cunning examples of auto insurance claim fraud involves something known as a staged crash or collision where it is not just the...

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Fun Facts about ‘Emergency’ Calls

Here at Prime Insurance, we’re accustomed to getting emergency calls – whether it’s a homeowners’, auto, business, life, travel policy or other type of request for insurance information, related documents or submission...

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Fun Facts about Vehicle Drivers and Parking Meters

“I love parking meters,” said no one, I think. Despite its unpopularity, here’s the thing that brightens up the sore point about the parking meter. In the event you arrive after your paid time has expired and...

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Why Insurance Rates are rising for Female Teen Drivers

Though young female drivers are far less likely to be involved in hazardous driving than their male counterparts, something is taking place in various states across the United States to change the reflecting rate...

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Fun Facts about those Back-Seat Drivers

“You almost made me get into an accident! PLEASE stop being a BACKSEAT DRIVER!” I’d imagine that every driver out there can identify with the above statement. Backseat drivers are... I’ll let you fill in the dots....

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How Do I Make Sure My Child is Buckled Safely in the Car Seat?

On January 14, 2019, a Minnesota motorist’s video captured the heart-stopping episode: a car seat with a toddler strapped into it tumbled from a moving car. Miraculously, the child was uninjured and was saved from a...

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How to keep Safe when Driving during an Earthquake

If you’ve ever thought about earthquakes, you probably imagine yourself suddenly experiencing the floor shaking while you are at home or work. But there’s another scenario to consider. Can you imagine experiencing...

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Encouraging Insurance News for Furloughed Workers

Important Memo from Prime Insurance and Safeco - Prime Insurance has just received notice from the Safeco Insurance Company regarding the present US government shutdown. RELATED: Is there insurance protection for...

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Adult Child in a Parent’s Home: Will Insurance Cover?

Adult children living with their parents: it’s a trend taking place all over the country with the State of NJ ranking the highest percentage. If this living arrangement resonates in your residence, it’s wise to...

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How to Be Safe When Driving a Commercial Truck

Unsung heroes of modern commerce, truckers represent the backbone of industry as they transport merchandise as well as raw goods from one location to another. There’s no doubt that truck drivers face a multitude of...

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How to Drive Safely in Foggy Conditions

Tips from the Auto Insurance Specialists - Listed among some of the most risky driving weather conditions, fog presents undeniable visibility challenges. RELATED: how to drive in icy conditions The best possible...

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Will my Auto Insurance Rate Increase if I Drink and Drive?

- - The juncture around and on New Year’s Day is a good a date as any to analyze the effects of drunk driving on insurance rates – given the amount of partying and drinking going on – but the facts remain...

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How to Conduct the End-of-Year Auto Insurance Review

As we approach New Year’s Day, there’s something that the insurance professionals advise: use the juncture to review your insurance policies – including your auto coverage. Conducting an annual end-of-year...

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Eight Fun Facts about Happy Holiday Greetings

Holiday greetings and cards definitely have a special place in this season’s observances. As Prime Insurance delivers its own version of well-wishing, we focus on some interesting tidbits about the tradition. Holiday...

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Fun Facts about Bumper Stickers on Cars

Bumper stickers may seem like the ultimate way to getting a message across. After all, placing a sticker on a vehicle that travels from place to place certainly gives it multi-faceted exposure. Here are some fun...

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How to Handle an Earthquake Situation when in the Car

Earthquakes and resulting damages have been on record here in the United States since 1900. Being that the natural disaster can occur at any moment without warning, you may be anywhere – even in the car – when...

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Holiday Party Host: How to Protect Yourself from Liability

Holidays are a time of celebration. If you are planning to host a party in your home, there’s one thing besides the guest list, menu and entertainment that you need to be cognizant of. Keep in mind that you may be...

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How an Agency Helps to Save Money on Auto / Home Insurance

From the Recent Files of Prime Insurance - A NJ insurance client called the Prime office, requesting a quote for a new condo that she was purchasing. As is our standard practice, Rachel in the Personal Lines...

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Waste Disposal/Garbage Truck: How to Pay Less for Insurance

Garbage truck or waste disposal companies deal with the associated high risks. That’s why related insurance can be so expensive. One benefit of owning a company with a large fleet of trucks is the likelihood of...

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