Los “días lluviosos” que se pueden llegar a experimentar son muchos- como tener un hijo enfermo, un automóvil averiado o un retraso en el pago de la hipoteca.
Pero ¿que tal una demanda legal?
Hoy en día, más y más demandas legales se están interponiendo, y no solo contra grandes corporativos, pero también contra personas como usted y como yo. En un abrir y cerrar de ojos, usted se puede verse involucrado en un accidente de automóvil o de embarcación, o alguien puede lesionarse en su propiedad lo cual puede resultar en un litigio en su contra que busque una remuneración de miles o hasta de millones de dólares.
Aún y cuando sus pólizas de seguro principales, tales como la de Automóvil, Propietarios de Vivienda, Propietarios de Embarcaciones, etc., le pueden proporcionar cobertura de responsabilidad civil substancial, puede no ser suficiente. Una Póliza Sombrilla de Responsabilidad Personal le proporciona cantidades adicionales en cobertura de responsabilidad civil a un precio accesible.
¿Qué es una póliza sombrilla?
Una Póliza Sombrilla de Responsabilidad Personal le proporciona capas de cobertura de responsabilidad civil adicionales a las pólizas subyacentes. Las cantidades de cobertura de una póliza sombrilla personal típicamente empiezan en un millón de dólares y pueden incrementarse en incrementos de mil dólares.
He aquí un ejemplo de como puede funcionar una póliza sombrilla: Digamos que su automóvil está asegurado con límites de responsabilidad civil de $250,000 por persona. Usted conduce por una intersección, impacta a otro vehículo y le causa lesiones graves al otro conductor. La persona lesionada lo demanda y el fallo del tribunal en su contra suma un total de $800,000. Su póliza de automóvil pagará los primeros $250,000, pero una póliza sombrilla respondería por los $550,000 restantes.
En ocasiones, una póliza sombrilla también ofrece un seguro contra pérdidas para las cuales no existe cobertura en la póliza subyacente. Ejemplos de tales pérdidas incluyen, injuria, calumnia y difamación.
¿Porqué tener una póliza sombrilla?
El valor de una póliza sombrilla de responsabilidad personal está en poder proporcionarle mayores cantidades de cobertura de responsabilidad civil a cambio de una prima accesible. Puede ayudarle a proteger los bienes económicos de su hogar cuando más lo necesite y le puede dar la tranquilidad de saber que usted cuenta con la cobertura necesaria para ayudarle a proteger a su familia.
Para saber si este es un tipo de póliza que puede beneficiarle, hable con su agente de seguros.
November 22, 2008
November 10, 2008
Kid Safety – Back to School
By J.R. Orenstein
State Farm® agent
Tel: (866) FOR-COVERAGE
Web: www.JRorenstein.com or www.SeguroNuevaYork.com or www.Shop4Insurance.net
It’s time for school again. Kids will be out in greater numbers on the streets and sidewalks. As parents, we want our children to enjoy their years in school and return safely home each afternoon.
Whether your child is riding a bike, walking or taking a bus, there are a few simple safety rules you should discuss before school starts.
· Riding a bike or walking will give your child a chance to get some exercise during the day. But children face possible dangers riding or biking. Children between the ages of 5 and 9 have probably not developed the skills and experience to navigate traffic safely and judge speed and distance. Before school starts, practice safe pedestrian skills with your child and provide adult supervision to and from school if possible. Tell your child to:
· Mind all traffic signals and/or the crossing guard.
· Never cross the street against a light, even if there’s no traffic coming.
· Walk your bike through intersections.
· Ride or walk with a buddy.
· Wear reflective material to be more visible to street traffic.
Taking the bus is a safe mode of transportation. However, according to the National Safety Council, about 9,000 children are injured each year in incidents involving school buses. Surprisingly, these injuries occur as children enter and exit the bus. Review these safety tips with your child:
· Have a safe place to wait for the bus, away from traffic and the street.
· Stay away from the bus until it comes to a complete stop and the driver signals you to enter.
· When being dropped off, exit the bus and walk several giant steps away from the bus. Keep a safe distance between you and the bus. Also, remember that the bus driver can see you best when you are away from the bus.
· Use the handrail to enter and exit the bus.
· Stay away from the bus until the driver gives a signal that it’s okay to approach.
· Be aware of the street traffic around you. Drivers are required to follow certain rules of the road concerning school buses but not all do.
If you’re driving in a school area or along bus routes, be sure to watch out for children on the streets and sidewalks. Slow down in school areas. Stop at crosswalks and intersections when children are present. Obey all laws regarding school buses. Whether your have a child in school or not, help make sure all school children arrive at school and home safely.
Give your kid a “boost” with child passenger safety
By J.R. Orenstein
State Farm® agent
Tel: 516-466-FARM (3276)
Web: JRorenstein.com or SeguroNuevaYork.com
As parents, grandparents or caregivers, we always want to do the best thing for our child’s health and safety. We make sure that they don’t eat too much candy. We teach them to look both ways before crossing the street.
But when our kids are riding in the car, are we making sure they are buckled up correctly?
Even though experts for years have stressed the importance of child safety seats, the number one killer in the United States for children ages 2-14 is car crashes.
Partners for Child Passenger Safety (PCPS) is a joint effort between State Farm Insurance and The Children’s Hospital of Philadelphia®. The partnership is dedicated to understanding how and why children are injured or killed in auto crashes. PCPS began in 1997 and continues to be the largest study of its kind, having recently been expanded to include crashes in Texas.
One of the earliest findings of the study was that children ages 2 to 5 who use adult seat belts are 3.5 times more likely to suffer significant injury than those correctly restrained in a child safety seat or belt-positioning booster seat. In 2004, PCPS data showed more than 61 percent of children ages 4 to 8 were not optimally restrained and were often using only a seat belt.
Seat belts are designed to fit adults, not children. A belt-positioning booster seat, which is the next step after a child has completely outgrown a child safety seat, gives kids a lift so that a lap and shoulder belt fits them properly.
Besides emphasizing the need for the intermediate step of the belt-positioning booster seat, findings from the PCPS study show that boosters reduce the risk of injury for 4 to 7 year-olds by 59 percent compared to those using only adult safety belts. Another recent discovery by PCPS researcher is children are 40 percent less likely to be injured in a crash if they are seated in the rear seat versus the front seat. This supports the recommendation of the American Academy of Pediatrics that all children under age 13 should ride in the back seat. Based on the National Highway Traffic Safety Administration’s recommendations, the following tips are critical to help ensure the safety of children riding in vehicles.
If the Child is:
A newborn up to at least 1 year AND at least 20 pounds
· Use a rear-facing infant seat or rear-facing convertible seat.
· Keep the child in the rear-facing seat until he or she has completely outgrown the seat.
· Never place a rear-facing infant in the front seat with an airbag.
· Follow the child safety seat and vehicle manufacturers’ instructions on correct restraint use and installation.
Over at least 1 year AND over at least 20 pounds, up to 40 pounds.
· Use a forward-facing convertible seat or forward-facing combination seat with harness straps.
· Keep the child in the forward-facing child safety seat until he or she has completely outgrown it.
· Follow the child safety seat and vehicle manufacturers’ instructions on correct restraint use and installation.
Over 40 pounds AND up to at least age 8, unless 4’9” tall
· Use a belt-positioning booster seat with lap and shoulder seat belt.
· Follow the child safety seat and vehicle manufacturers’ instructions on correct restraint use and installation.
Over age 8 or 4’9” tall
· Use a lap and shoulder safety belt.
· Follow vehicle manufacturers’ instructions on correct restraint use.
If you would like to learn more about the correct way children should be seated in a car or about the Partners for Child Passenger Safety study, visit www.statefarm.com/kidsafety.htm.
