Spring Break Tips: Auto Coverage When Borrowing a Friend’s Car

Spring Break Tips: Auto Coverage When Borrowing a Friend’s Car

When you’re driving your own car, you know that you have auto insurance coverage in case of an accident or collision. However, what happens if you’re borrowing a car from a friend?  Also, what if you loan your vehicle to someone else? 

At the time, most people don’t even think about their insurance policy. Nevertheless, it will make a huge difference if something does happen, and you’re not the one behind the wheel. To help you have peace of mind, we at Bob Johnson Insurance want to shed some light on this issue. 

The Vehicle is Insured, Not Necessarily the Person

For the most part, the coverage you have is specific to your car, not the person driving it. Therefore, if your friend is involved in an accident and is not injured, your policy should protect both of you. While the insurance company will want to verify that you gave permission beforehand, there shouldn’t be any issues. 

That being said, if you don’t have sufficient coverage for the accident, then the insurance of the person borrowing the car may come into effect. Even though they weren’t driving their own vehicle, their policy may cover any gaps in your insurance. 

Secondary Borrowing

Please keep in mind that most insurance companies typically only permit you to loan your vehicle to one person at a time. If the person borrowing your car lends it to someone else without your knowledge, your coverage may become null and void. Therefore, you want to be sure you trust the person borrowing your car. 

Denial of Coverage

Other instances in which a policy may not pay out include if the borrower of a vehicle engages in criminal or negligent activity with the car. Also, if the insurance company believes that he or she was trying to commit fraud, the plan may not cover any damages. 

Long-Term Borrowing

If you have a friend who borrows your car regularly (or if you are that friend), it’s usually a good idea to get him or her added to your policy. This way, other circumstances (such as personal injury) can be covered, which will give both of you peace of mind. 

Overall, as long as the situation is considered “normal,” there shouldn’t be any issues with a friend borrowing your car (or vice versa). However, if you’re still not sure, feel free to contact your agent at Bob Johnson Insurance for further details. 

Helpful Tips for Deep-Frying Your Turkey This Thanksgiving

Tips for Deep Frying a Turkey

Although Thanksgiving usually gets overshadowed by the holidays surrounding it (i.e., Halloween and Christmas), the fact is that it’s still one of the most important days of the year. Celebrating with family around the dinner table is an excellent way to give thanks for the season, and the food you prepare will be integral to your festivities. 

In Knoxville, one of the most popular recent trends has been to deep-fry the turkey. While there are many different ways to prepare this succulent bird, frying has become a ritual, all thanks to the crispy, tender results it offers. 

Unfortunately, though, this process is not that simple. In fact, many people get injured when trying to deep-fry their turkeys every year, so we at Bob Johnson Insurance want you to stay safe this holiday season. 

So, with that in mind, here are five tips to follow. 

#1 Create a Safe Space for Cooking

If you’ve never deep-fried a turkey before, you should know that you need a lot of clearance. It is very important that your deep fryer is placed a good distance from your house and anything flammable.  Since you have to heat so much oil, you need space to allow the heat to dissipate. Also, you want to be careful of any spatter that may come from the fryer. Ideally, you’ll have about 10 feet of clearance or more, and the ground will be flat to avoid tipping. 

#2 Use a Smaller Bird that is Thawed

While it may be tempting to fry a 30-pound turkey, the fact is that it can be too much meat to handle. If it’s your first time, you want to start small so that you don’t create a dangerous situation. Typically, about 12 pounds should be ideal. 

In addition, be sure that your turkey is completely thawed.  Wonder why? Check back here tomorrow for a video!

#3 Use Less Oil

One reason why deep-frying can be so hazardous is that you have to heat the oil to a high temperature.  When deep frying, the oil can erupt into flames for several reasons if you’re not careful. Research the smoke point of different oils and use one that won’t get close to burning. 

To test how much oil you need, put the turkey in your fryer and fill it with water until the whole bird is covered. Also, be sure to dry it out completely afterward, as water and fryer oil can create even more of a hazard. 

#4 Be Cautious With Every Step

Typically speaking, when you put the bird into the oil is when the situation can go south. So, make sure that you have more than enough clearance, and move carefully when dropping it in. Also, pulling it out can be tricky, so it helps to practice that as well. Wear protective clothing so that hot oil splatter won’t burn your skin or eyes. 

Check back here tomorrow for a video about why you should never deep-fry a frozen turkey!

#5 Be Prepared for Anything

Should the worst happen (your fryer tips over, the oil catches fire, etc.), you want to be ready. While we hope that nothing bad occurs, it’s better to be prepared than to be caught off-guard. As stated previously, position your fryer away from the house in an area that is free from anything flammable.  Keep a fire extinguisher handy (one designed for oil fires), and keep the area around the fryer as clean and empty as possible. Also, be ready to call the fire department if necessary. 

Frying a turkey can be a delicious way to spend the holiday, but don’t forget that safety is always a priority! At Bob Johnson Insurance, we’re committed to helping you and your family stay safe this season. 

Prepping for Spring: Getting the Boat Out

Start off the boating season right by prepping your boat before the warm weather gets here. Having the boat ready to hit the water makes spring and summer much more fun, so here’s some things to check out before your boat gets wet.

Fuel System

Check for leaks, damage or signs of loose hoses. If fuel hoses feel too soft, or they show cracking or brittlenesses then it’s best to replace them. Make sure all fittings are tight and secure. Replace anything that seems damaged or worn before heading out.

Electric System

Clean the terminals of batteries, check cables for loose connections or corrosion and test the battery before recharging it. Having a fully functional electrical system will ensure the boat starts and operates the way it was meant to.

Safety Equipment

Boating can be dangerous, so ensuring that fire extinguishers, life jackets and emergency beacons are all onboard depending on where you are heading. If you have a cabin area, make sure there are working smoke detectors and carbon monoxide detectors to warn anyone in case of emergency. Often the Coast Guard will offer safety inspections for vessels heading out into coastal waters, and it’s always a good idea to take advantage of the offer.

Props and Hull

Making certain that the mechanical parts of the boat, as well as the integrity of the hull, are all in top shape is a top priority. A damaged propeller can cause disruptive vibration throughout the boat that can lead to issues with the drivetrain. The hull needs to be clean and free from damage before heading out, so as not to risk taking on water or contaminating the water when you launch. As always, be sure the drain plug is securely in place every time you get ready to put your boat into the water.

One of the best ways to protect your investment in your boat is to make sure you have adequate insurance as well. If anything goes wrong, having it covered by insurance can take a lot of the stress away, so be sure to call us (865-922-3111 or Toll Free 800-624-3339) and make sure your coverage is adequate for what you need.

Other Helpful Resources

Prepping for Spring SeriesPrepping for Spring Series

Preparing for Winter Series

Preparing for Winter

As we’ve seen in years past, winters are getting more brutal and harder to recover from if you’re not prepared. In some areas, buckets of snow and ice can fall in a seemingly endless barrage until you’re covered and potentially snowed in.

This kind of weather can wreak havoc on your home and your car, which is why it’s so crucial that you prepare your properties ahead of time. Don’t wait until the first snow falls to update vital elements of your home or automobile as that will be too late.

In this series, we provide you with some how-to tips to keep your items safe and secure this winter, as well as look at how you can avoid costly insurance claims. This time of year can be one of the busiest for insurance agents.  These tips may help you avoid being part of that that statistic.

Make sure that you are well-covered.  If you haven’t done an annual insurance review yet, the beginning of the year is a great time.  It’s easy.  Just give us a call at 865-922-3111 or click here to use our contact form.