FEMA Smartphone App

logo-fema-400x400-whiteThe Federal Emergency Management Agency (FEMA) has an app available for smartphones. It has a lot of features that can help one learn and plan for disaster.

Disaster Safety Tips

Help inform yourself about what to do before, during and after 16 different types of disasters including earthquake, flood and fire.

Emergency Kit List

Gives you a checklist that you can work from as you put your kit together and keep track of what you already have. It also allow you to add your own personal items to the list.

Emergency Meeting Locations

Allows you to save three different meeting locations to share with your friends and family.

FEMA Smartphone App

On Superbowl Sunday, Take Extra Care on the Road

caution_signA recent press release from the California Department of Insurance warned that on Superbowl Sunday more auto crashes occur that any other Sunday. Throughout California, there is a 77% increased risk of an alcohol-related fatal or injury crash this day.

We encourage you to plan ahead if you will be attending a party or watching the game at a restaurant or bar. A designated driver would be a good idea. Alternatively, you could plan to use the Uber or Lyft services.

New California Driving Laws for 2013

SACRAMENTO, Calif. – New rules that govern the California driving public will go in effect on January 1, 2013. These rules are the product of legislation passed by the Legislature and signed into law by Governor Edmund G. Brown Jr. in 2012.

“The changes to California’s traffic safety laws are designed to protect the motoring public,” said California Highway Patrol (CHP) Commissioner Joe Farrow. “Citizens are encouraged to familiarize themselves with these new laws in advance of the new year. Adhering to the rules of the road may save your life, or the lives of your fellow motorists.”

The following are summaries of some of the new laws taking effect January 1, 2013:

Driving Under the Influence : (AB 2020, Pan)
The law no longer allows a person who has been arrested and is suspected of driving under the influence (DUI) of drugs, the option of a urine test. Prior to this change, a person had the option of submitting either urine or blood to determine the drug content of their blood.
Charter-Party Carriers of Passengers: Alcoholic Beverages: Open Containers : (AB 45, Chesbro)
This new law prohibits underage drinking in charter-party carriers (limos, buses, etc.) and makes the carrier and driver responsible for communicating this to their passengers. The law also requires a designee, who is at least 25 years of age, to be present whenever there are passengers who are under 21 years of age on board the vehicle and alcohol is being transported. The designee shall be responsible for ensuring the rules are followed, and the safety of the underage passengers throughout the duration of the trip.
Electronic Wireless Communications : (AB 1536, Miller)
This law allows California drivers to use hands-free technology to talk and text while driving. This will require the use of a device that is specifically designed and configured to allow voice-operated and hands-free operation to dictate, send or listen to a text-based communication. The device is required to also be used in a voice-operated, hands-free manner to be in compliance with the law.
Financial Responsibility and Insurance : (AB 1708, Gatto)
Drivers will now have the option of providing proof of insurance or verification of financial responsibility on an electronic device (smartphone, tablet, etc.), when it is requested by law enforcement.
High Occupancy Toll Lanes : (AB 2405, Blumenfield)
This law creates the Choose Clean Cars Act, which allows cars with a Clean Air Vehicle Sticker free access to carpool lanes that are converted to High Occupancy Toll (HOT) lanes.
Autonomous Vehicles : (SB 1298, Padilla)
This new law allows driverless cars to be operated on public roads for testing purposes, provided that each vehicle has a fully licensed and bonded operator in the driver’s seat to take control if necessary. The bill also instructs the Department of Motor Vehicles to adopt regulations that govern the licensing, bonding, testing and operation of autonomous vehicle technology.
Emergency Services: Seniors : (SB 1047, Alquist)
Similar to an AMBER Alert, the CHP would activate a “Silver Alert” upon request if a person, age 65 or older, is reported missing to a law enforcement agency and that agency determines that certain criteria is met. The criteria includes: the person is missing under unexplained or suspicious circumstances or the law enforcement agency believes the person is in danger due to age, health, mental or physical disability, environment or weather conditions; the person is in the company of a potentially dangerous person; or there are other factors indicating that the person may be in peril. Finally, there is information available, if given to the public, may assist in the safe recovery of the missing person.
Driver License : (AB 2189, Cedillo)
This law allows a driver’s license applicant who provides satisfactory proof that his or her presence in the United States is authorized under federal law, but who is not eligible for a social security account number, is eligible to receive an original driver’s license if he or she meets all other qualifications for licensure.
Automated Traffic Enforcement Systems : (SB 1303, Simitian)
This new law establishes consistency in the operations of red-light enforcement cameras throughout the state by requiring governmental agencies to follow specified guidelines regarding intersections, signage, and the notice to appear.
License Plates: Obstruction or Alteration : (AB 2489, Hall)
This new law prevents the altering and positioning of license plates from its original markings and clarifies the penalty imposed for obscuring the readability of license plates.
Child Passenger Restraints : (AB 1452, Hill)
Hospitals, clinics, and birthing centers will now be required to provide and discuss contact information regarding child safety seat requirements, installation, and inspection to parents and caregivers upon discharge of a child, if the child is less than eight years of age.
There are also two new laws related to recreational off-highway vehicles.
One (AB 1595, Cook) defines an off-highway motor vehicle to include a recreational off-highway vehicle (ROV) and establishes additional requirements governing its safe operation. The other law (AB 1266, Cook), which goes into effect July 1, 2013, prohibits a passenger in an ROV from riding in a seat location not designed and provided by the manufacturer. It also prohibits operation of the ROV if the passenger is not seated with both feet on the floorboard and able to grab the occupant handhold with the seat belt and shoulder belt or safety harness fastened.
Additional Registration Fees : (AB 1404, Feuer)
This law authorizes three counties (Los Angeles, San Diego and San Bernardino) to increase vehicle registration fees to help fund vehicle theft programs. Increases would be from $1 to $2 for passenger vehicles, and $2 to $4 for commercial vehicles.
Inflatable Restraint Systems : (AB 1854, Brownley)
This law makes it illegal for a person to knowingly distribute or sell a previously deployed air bag or component that will no longer meet the original equipment form, function or proper operation.
Driving Under the Influence: Alcoholic Beverage or Drug : (AB 2552, Torres)
Although this change in the law does not take effect until January 1, 2014, it distinguishes whether an individual was arrested for driving under the influence of alcohol or drugs. Ultimately this change, singling out drugs with its own subsection in the Vehicle Code, will make it easier to track the prevalence of drugged driving in California. This new law, coupled with the efforts requiring the use of Ignition Interlock Devices, will help reduce impaired driving throughout California.

These points are only a synopsis of some of the new laws adopted. For complete information on chaptered bills enacted in 2012, please refer to the Legislative Counsel website at http://www.LegInfo.ca.gov.

Self-Driving Cars in our Future?

Google Robocar Racetrack RideI don’t know about you but I like the idea of a driverless car. While my commuting days are behind me, I can definitely see the advantages. I think the reality is that California missed the boat when it comes to mass transportation and we need something that uses what we have to deal with the constantly increasing number of people that need to get from point A to point B and self-driving cars might just be the ticket. Plus, I like the idea of taking a nap on the way.

Future Impact of Self-Driving Cars Would Be Big: Study

“Know Your Plan” App Makes Disaster Prep Easy

Damaged house following Feb 22 quake by martinluff, on FlickrSince the basic idea of insurance is “what if?”, disaster preparedness is a natural topic. With some events, like earthquakes, it’s not a question of if but when. Preparedness isn’t a goal but a process. The idea is to keep working on it little by little. While our family may be better prepared than most, I still find it hard to stay with it. The Insurance Institute has put together an iPhone app that helps you work through a plan to get yourself and your family prepared.

“Know Your Plan” from the Insurance Institute

US Open of Surfing 2012 Awards in HB

Events like this are why I stay on our, quieter, side of HB during much of the summer.

Spectators lined the pier and filled every inch of sand in Huntington Beach for front-row seats to watch as nine-long days of surfing action came to a close Sunday afternoon with the finals of the prestigious U.S. Open of Surfing.


Rental Car Insurance May Be Worthwhile

LuggageWhile most auto policies cover rental car use, there are limitations. This article mentions some. Another is loss of use. The rental car company has the right to charge for the time that a vehicle is out of commission due to an accident. Some auto insurance policies cover this and others don’t.

How rental car insurance could save you money

Prepare your home for wildfire season

House of fire by dvs on FlickrWildfire season isn’t limited to summer and fall any more. Before things really heat up, California homeowners can take simple steps to protect their homes and neighborhoods against wildfires.

  • Clear the space around your home, from 100 to 500 feet depending on conditions.
  • Landscape the area around your home with fire-resistant plants.
  • Use non-combustible building materials.
  • Check the area around your home for any fire hazards.
  • Have an adequate water supply handy for fire fighting.
  • Make sure there are accessible roads to your home.

For more information:

Is Your Home Fire Safe?
Wildfire Prevention