When Do You Use Robotic Duct Cleaning

in Home & Family - Landscaping
by A Nutt

Air ducts are everywhere, from office buildings to homes. They provide passage for heating and cooling and for the most part, we don’t think much about them until something goes wrong. However, regular cleaning is a necessity and that is now easier with Robotic Duct Cleaning.

Cleaning Your Air Ducts Over time, the ducts in a home or office will build up residue, dust, mites and bacteria. These nasties get sent up into our air, causing a number of health issues, ranging from mild allergies to more severe colds and congestion. The good news is that these can easily be prevented by simply cleaning the ducts on a regular basis.

The usual procedure for duct cleaning is to take a vacuum and a whip that spins, knocking debris loose with flying rubber arms while the vacuum picks up the dust and bits of dirt. This is effective for getting rid of large chunks of debris and also for removing blockages. However, there are still areas that this type of cleaning will miss, particularly corners and cracks or joins in the pipes.

Robotic Duct Cleaning During the 1980′s, when air quality first became a concern, cleaning companies used video cameras to show people just what was going on inside their air ducts and to prove that they were really dirty and needed to be cleaned. The video cameras were mounted on robotic devices that allowed them to be moved through the air ducts.

These days, that same technology allows for deep cleaning of the ducts. Where the regular method uses air-powered whips that tend to leave areas untouched, the robotic cleaners are far more effective in getting the little reached areas. They are built with a number of rotating brushes that can be moved to reach and clean any size of aid duct. The advantage of this is that these brushes actually get into cracks and remove the dirt and bacteria embedded there, something that the regular cleaning equipment usually can’t do.

While brushing out the dirt, these robotic duct cleaning machines are also vacuuming it up, so there’s very little excess dust. Another advantage of the robotic devices is that they also have video cameras so the operator can see exactly what areas need to be cleaned and how well the device is working.

Robotic duct cleaning is usually much more efficient and faster than the older method of cleaning and while not all companies offer this yet, it is often faster and cheaper to use a robot and the entire duct system is often completed in just one day.

Any time an air system is in need of cleaning and the preferred method is to get it done quickly, while ensuring that all the nasty stuff is out, then robotics are the way to go. They often end up costing the building owner less, as well, since there is no need for repeated visits. Overall, a robot can do a far better job of duct cleaning than a human trying to maneuver into the same spaces.

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Electronic Thermostats Help to Save Energy

in Home & Family - Landscaping
by A Nutt

These days, it seems like everyone is looking for ways to go green. Important actions such as recycling and reusing, conserving water and saving energy are the order of the day. There are many different ways we can contribute to helping the environment, and some of these methods may even help our pocketbooks as saving energy, for example, also helps you save money off your electric or gas bills.

What Does a Thermostat Do? A thermostat’s job is basically to control the output from your home’s heating or cooling system based on room temperature (hvac). This is done by what is basically a heat-activated switch. A heat sensor causes the opening or closing of the switch, which in turn starts, continues, or stops an electrical circuit that is connected to the house’s heating or cooling system. Many people prefer an electromechanical model to an electronic model simply because they are less expensive. Others prefer electromechanical models because they are not technically inclined and prefer simplicity. Here we will explain why electronic thermostats help save energy and how they end up paying for themselves in the long run.

How Will an Electronic Model Help Save Energy? An electronic, or digital thermostat has the primary benefit of being programmable. Because of this, the unit allows you to remain in greater control of the energy output of your home’s heating or cooling system. Having this control allows you to set the times that your heating or cooling is turned on and off based on a pre-determined schedule. If done correctly, you will reduce the energy used by these systems by not operating them during the night when everyone is sleeping or during the day when nobody is home. Most electronic thermostat models offer flexibility in terms of making changes to your heating and cooling schedule (seasonally or however you choose) or allowing you to manually override the heating and cooling schedule at any given time that you deem necessary.

How Much Money Can I Save? If you set up your thermostat’s schedule to reduce heating output by ten to fifteen percent for a period of at least eight hours a day, it is possible to save between five and fifteen percent a year on your energy bill. The same is true with air conditioning. If you automatically maintain your home warmer in the summer during the hours that you are not there, you can achieve an even greater level of savings. Can’t I Save Energy by Adjusting My Thermostat Manually?

While it is true that you can adjust your thermostat manually and be very cautious about turning it down every time you leave the house, an electronic thermostat has certain benefits that a manual unit just doesn’t offer. For example, if you follow this strategy with a manual thermostat, you will have to endure some discomfort upon returning home or waking up in the morning while the system works to heat or cool your home to a comfortable temperature. An electronic thermostat will have the home at an ideal temperature just when you need it to be.

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Why does your Car Insurance Quote Increase after an Accident?

in Home & Family - Landscaping
by A Nutt

Car accidents usually result in an increase in insurance premiums. Even if you are not responsible, your insurance company will have to incur some costs. There is an increase in car premiums and policy quotes because the accident will be rated against your coverage. There are a number of types of insurance coverage that can include collision, personal injury protection, and medical coverage. If you are found at fault’ for an accident, coverage such as personal liability and collision will cover you, your vehicle, and personal injury to the other driver. Often, if you have just one accident, you will see an increase in your car insurance quote.

Car insurance quotes will increase because you will be considered a high risk driver. The premium will reflect the nature of the accident and the costs associated with the accident. Insurance companies will usually charge ‘points’ to your policy. Depending on the insurance company, these points will be charged to your policy for a certain period of time that usually ranges from three to possibly seven years. If you are in an accident that was your fault, the insurance company will consider that you are a high risk of having accidents in the future and increase your rates. You will also receive higher insurance quotes. The length of time between an accident and your quote and premiums decreasing depends on a providers policies. As well, you may have to pay a higher deductible for the insurance.

Another reason why an accident can increase your premiums when you are ‘at-fault’ in an accident is that there are some companies who will not insure you. When there is less competition for your business, then there is less incentive to give you a good deal. As a result, your insurance quote will be higher. When you add the insurance ‘points’ into the mix, it is easy to see how an accident can become very expensive. If you have a faultless driving record, it is unlikely that your premiums will increase after an accident that was determined not to be your fault.

You can normally expect a rate increase of between 20-40%. This increase is based on the Insurance Services Office’s (ISO) criteria of raising a premium after an accident. According to the ISO, for multi-car policies, the surcharge is 20 percent of the base rate, and for single-car policies it is 40 percent. It is important to remember that there are other factors taken into consideration after an accident such as your age, gender, and driving record. These factors will affect how high the percentage increase will be.

The increase in premiums is not done so that the insurance money can get their money back, but is based on the risk that you may be involved in another car accident. Each insurance company has different policies and standards, but they look at your chances of getting into another accident. The number of accidents that you are involved in also increases your insurance premiums.

Some companies will absolve past accidents after a set period of time has expired. This can be two years, or as much as five years, but the period will vary depending on the insurance provider. Basically, you have to show the insurance company that you are no longer a high risk driver.

The best way to avoid high car insurance quotes is to avoid an accident. You can do this by practicing safe driving. One car accident can seriously impact your car insurance quote and the premium that you will pay.

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When You Should Have Your Ducts Cleaned

in Home & Family - Landscaping
by A Nutt

In buildings and homes, air is transported via the air ducts. These metal ducts originate in the basement and extend throughout the home or building. Constant use will eventually result in an accumulation of debris and possibly harmful organisms such as bacteria and mould. The accumulation causes contaminants to be dispersed throughout the rooms where they can be inhaled causing illnesses such as allergies, lung congestion, shortness of breath, and sneezing and watery eyes. To eliminate the negative effects of dirty ducts, you need to have them cleaned by a trained professional.

The purpose of duct cleaning is to improve the quality of indoor air condition, reduce the amount of dust and dirt build up in the home or office, and help people and pets breathe easier and live healthier. This is especially important for people with asthma and bronchial disease.

Knowing when to clean your ducts depends on a number of factors. For instance, if you have pets, had recent renovation or construction, smoke, live in an area of high winds, you should have your ducts cleaned. Another indication that it is time to clean your ducts is if you have weak air flow or your furnace is working too hard.

You can check for poor air flow if you place your hand over the vent and there is not much air coming through when the furnace is running. In order to determine if you need your ducts cleaned immediately ask yourself: After I clean, how long does it take to see dust start to accumulate? Do I see dirt in my return or supply vents, furniture, draperies, or carpets that are close to the vents? Do my filters get filled with dirt and debris quickly? Am I tired a lot? Do I have problems sleeping? Do I wake up congested or with a headache? Do I start coughing or sneezing for no reason when I am indoors? Answering ‘yes’ to any of these questions may indicate that it is time to clean your ducts. If you have a disaster in your home with a fire or flood that damaged your duct system, your insurance company should cover the costs of duct cleaning.

The commonly accepted rule for when you should have your ducts cleaned is once a year, especially if your home or building is prone to dust and dirt build up. Many experts suggest that you have your ducts cleaned in either the Spring or Fall. People with severe allergies and asthma will often have their ducts cleaned twice a year. Cleaning your ducts will also keep your system running smoothly and reduce energy costs resulting in a more energy efficient system. You will not have to run the furnace as often which will reduce energy costs.

Generally speaking, the normal home duct cleaning process of about 20 vents and one unit can take about three to four hours. Most duct cleaning companies will book only two jobs a day.

Because there can be so many air born contaminants in our homes and buildings, having your ducts cleaned by a trained and experienced professional will improve the quality of your indoor air and eliminate organisms such as mould, mildew, dust mites, mouse deposits, dust, dirt, etc. The result will be a cleaner home with healthier air and a family that sleeps and breathes better. Duct cleaning is a great way to ensure that you and your family have the healthiest indoor air.

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Acquiring Insurance Through Your Auto Club Membership

in Finance - Insurance
by A Nutt

If you own a membership to an auto club, you have the peace of mind that comes with knowing help is there if you ever break down on the side of the road. However, you may not realize that you can also get a variety of insurance products through the club, often at a discounted price. This is just one of the many advantages to having an auto club membership, so before you purchase your next insurance product, find out what the options are through the club.

Auto Club Membership Is Not Insurance

First, remember that your auto club is not the same as car insurance. The auto club will provide emergency roadside assistance and a variety of other helpful tools to you as a driver, but it is not insurance. You need to purchase automotive insurance outside of your auto club membership in order to drive legally.

Auto Club Members Can Get Discounts on Insurance Products

While membership to your auto club does not equal car insurance, you can use your membership to get car insurance, sometimes at a deeply discounted rate. Because the auto clubs have so many members, they are able to partner with insurance providers to get excellent rates for their members. Personal insurance through the auto club is an additional expense on top of membership, but many members are able to enjoy the discounted insurance premiums.

Types of Insurance Available

The types of insurance that you can purchase through your auto club will vary from state to state and club to club. Most auto clubs offer auto insurance, since it is almost a given that their members will need this coverage. Some offer homeowner’s insurance as well. The homeowner’s coverage is typically underwritten by an organization other than the auto club, but is offered at exclusive club member only prices. Life insurance is another insurance product almost all auto clubs can offer.

A few select clubs offer short-term medical insurance and health insurance for students. These are not intended to replace traditional health insurance coverage, but are rather designed for those individuals who cannot get traditional coverage because they are unemployed, not offered benefits, or pursuing a degree.

Getting Insurance

Getting insurance through your auto club involves the same steps you would use when getting insurance any other way. You will start by contacting your auto club for an insurance quote. You will then compare the quoted price to other insurance products you have inquired about through traditional avenues. You will choose the policy that has the most affordable premium combined with the best coverage and apply for it.

While you will likely find that your auto club has the best rates, this is not a given. Take the time to shop around, because there may be a more affordable policy out there. However, always compare the price and the coverage, because some of the cheapest options have the worst coverage. You want to have insurance that covers you sufficiently, even if you have to pay a little more for it. When getting quotes on your insurance policies, always ask about the coverage as well as the price so that you can compare like products.

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What is the Purpose of Having Disability Insurance?

in Finance - Insurance
by A Nutt

Often referred to as disability income insurance, disability insurance is a type of insurance policy that inures that a person receives long term financial benefits in the event of an accident that leads to an inability to work or function, or if a person becomes afflicted with an illness, leaving them unable to work. Disability insurance benefits can be disbursed either as a short-term disability, long-term disability, and paid sick leave.

The purpose of disability insurance is to replace the lost income from your work income if you were to suddenly become disabled. The policy that one purchases will contain an outline of the conditions of which one is eligible to receive disability benefits. That is, there will be an explanation within the policy about what constitutes a disability. Normally, one has to be on leave from work for a specified time period before they can begin to receive disability benefits. The policy will define the amount of the payments and the length of the coverage. The payments will continue for the length of the disability, or until the time limit that was set by the insurer has expired.

A disability policy premium that one pays is determined by a number of factors that are devised by the insurance company. This can include risk factors associated with the type of work that one is involved in. For instance, a person working in a high risk job such as explosive demolition of buildings will usually pay a higher premium than a receptionist. Disability benefits are designed to replace lost income so you can use the payments for your own personal needs. Insurance companies will not allow you to have disability coverage for more than about 60 percent or 70 percent of your normal taxable income

Disability Insurance Costs Policies for disability claimscan vary among providers so it is important to obtain a number of quotes from different providers. You should know what is included in your policy before you make the purchase. Cheap policies may not be the best policies. Because you may not be covered for certain incidents that may result in an injury, or debilitating illness, it is important to read your policy carefully.

How are private diability policies different from Workers Compensation? With worker’s comp, you are only covered if you are disabled due to a workplace injury or illness. With private disability insurance, you choose the benefit level, buy the policy yourself, and then pay the premiums. The policy does not depend on staying with your current place of employment. It is also not limited to work related disabilities

Who should purchase disability insurance? Anyone who is employed should have disability income insurance. It is important to check to see if you have group disability, Social Security Disability, workers compensation, in order to find out how much you are covered for. It may not be enough to sustain you if you are disabled. You should make sure that you will not find yourself in a financial crisis if you are suddenly disabled. Your family may need to depend on the income to maintain their lifestyle.

Whether you are single, married with a family, young, or old, you never know when a tragic event may occur leaving you unable to earn an income. The right disability insurance will give you peace of mind knowing that you are protected.

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When You should Call a Plumber

in Home & Family - Landscaping
by A Nutt

When it comes to our plumbing system, most homeowners do not know when a problem requires the services of a professional plumber. Sometimes a drain that will not unclog could mean there is something more serious with a plumbing system. The work of plumbers is much more far-reaching than dealing with just water supply issues.

You should call a plumber if you experience the following: 1) Homeowners who try to fix a damaged gas line are putting themselves at great risk. A licensed plumber will have the appropriate pressure-testing device to test for hazardous leaks. They also have the training and experience to tighten loose pipe fittings and properly thread pipes.

2) If you have serious flooding that is filling up your floors, the service of a plumber is needed. If your drain is clogged and you are unable to unclog it, a plumber will be able to get to the root of the problem and repair it. 3) Water and sewer lines can be complicated. Problems with these lines require the service of a plumber. Sometimes the water valve located in a box on the street may have to be turned off. This requires a special permit. If you have snaked the sewer line and the clog is still there, you need to call a plumber because they have the tools and know how to find the source of the problem and fix it.

4) You should call a plumber if your pipes are frozen or there is a crack in the pipe causing a leak. A professional will effectively seal a cracked pipe. They also can unthaw pipes without a risk of pipes cracking. 5) A sewer back up in the yard or street is a serious matter. The ground may have to be dug up in order to find the source of the problem.

6) Any problems with your water pump require the services of a plumber. You may need a new part or a new pump. 7) If your water heater is not working properly, you should not attempt to fix it yourself. You may need a new part or possibly an electrical repair.
8) If there is any problem that you are not sure of and are worried that you may cause further damage, you should never try a home repair job. You may end up making things worse and even incur more expense. 9) Central heating systems can be complicated. A novice could do more damage. Professional plumbing services are essential for dealing and drains Toronto with this type of system, especially installation.

After a plumber completes the repair, you should look over the area to make sure there are not any further problems such as a leak. You should check to see if the valves are turned back on. If you need a new part or device, make sure you ask about warranties. If you have a real big repair job, you should obtain several quotes from different plumbing companies in order to get the best price.

Most homeowners will try to do as much as possible to fix a problem so they do not have to enlist the services of a professional repair person. There are many repairs in the home that require the services of a professional because some problems are complicated and can even be a health hazard if not repaired correctly. We all want to save our money when and where we can, but our plumbing systems can be very sensitive. Hiring a professional plumber can often save you money because the chance of a novice causing further damage is quite high.

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Adding Roadside Assistance to your Car Insurance Package

in Finance - Personal Finance
by A Nutt

Roadside Assistance is great way to provide security for you and your family. You never know when you may blow out a tire or your battery will go dead. Many people are now adding roadside assistance coverage to their car insurance packages.

There are a number of benefits to adding roadside assistance to a Ontario insurance policy. The following list contains the advantages of adding roadside assistance to your insurance package:

Value: Many insurance companies will offer lower premiums if you add roadside assistance to your insurance policy. One emergency response could result in the coverage paying for itself. For instance, the cost of one tow can be much more expensive than the insurance premium. It is better to pay a little extra each month instead of hundreds of dollars all at once.

Roadside Assistance Contact: If you have a problem with your vehicle, contacting a technician is as easy as pulling out a card and dialing. You don’t have to call directory information or search through the yellow pages. Response is usually quick.

Towing Service: If your car breaks down on the side of the road, roadside assistance will cover your towing costs. It will also cover the costs of towing your car to a qualified and certified mechanic shop.

Flat Tire: If you have a flat tire, a service technician will come out, remove the tire, and install the spare Lost or Stolen Keys: If you lose or have your keys stolen, or locked them in the car, a professional will come out and help recover them or provide you with a new set of keys.

Battery Boost: A battery that goes dead is a very common occurrence. This could be due to the cold or leaving the lights on. If your battery dies, someone will be sent out to jump it for you. Emergency Fuel and Fluid Delivery: If you your gas tank is empty or you require another type of vehicle fluid, a technician will bring a replacement to you. In most cases the delivery service is free with the roadside assistance package. You may have to pay for the cost of the fluid.

Medical and Trauma Assistance: If you are in a serious car accent, having roadside assistance with an insurance package can provide coverage for such services as towing to the nearest approved vehicle yard after an accident, road or air ambulance service, care for stranded children, transfer to the most appropriate medical facility, lifesaving medication or blood transfer, and trauma support.

Different items or events are covered under roadside assistance. Conditions may apply in certain emergency assistant situations. When searching for the appropriate roadside package to go with your car insurance policy, you should find out such information as the maximum financial benefits you can receive each year, the financial limitations, the costs not covered in the policy, and the number of times you can request assistance.

Roadside assistance helps drivers through the worst situations. Even if you know how to change a flat tire, there are many unexpected events that can occur. If you spend much time traveling alone and over long distances, you should have roadside assistance with your car insurance. Check your car insurance policy to see if you qualify. Before choosing a plan, make sure you know how much roadside assistance you will need and confirm that the plan will meet your needs. If you have a car problem, you will be happy and relieved knowing that you added roadside assistance. Your family will rest easy knowing that you are in safe hands.

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What If You Forget to Buy Travel Insurance?

in Finance - Personal Finance
by For many people, acquiring travel insurance is not on their list of things-to-do when making their travel preparations. What most travelers do not realize is that there are many events that can happen on a vacation that can result in serious financial loss.

For many people, acquiring travel insurance is not on their list of things-to-do when making their travel preparations. What most travelers do not realize is that there are many events that can happen on a vacation that can result in serious financial loss.

Before traveling abroad, it is important to consider the reasons why you should not forget to buy travel insurance:

Personal Injury: When planning to travel in another country, you should think about what would happen if you were in accident and needed medical treatment. Depending on the severity of the injury, medical costs could run from hundreds to thousands of dollars. Buying travel insurance before your trip will ensure that if you need medical treatment, your costs will be covered. Personal accident coverage can also cover you in the event of death or if you are permanently disabled. Some policies will pay your legal costs if you decide to sue a third party for damages as a result of personal injury or death.

Unexpected Cancellation: After booking and paying for a trip, many people do not think about the money they will lose if they had to suddenly cancel. This could be due to an illness or death in your family, jury service, fire, or flood or storm damage to your home or business. The financial loss could be enormous. Travel insurance will cover your costs if you have to cancel your trip.

Missed Departure: On the way to the airport, most people do not consider how much money they would lose if they missed their flight. This could be the result of weather conditions, vehicle breaking down, etc. With travel insurance, you will be covered in the event of a missed flight. You may also receive a lump sum if there is a valid reason why your departure was delayed or you missed your flight.

Lost or Delayed Luggage: When traveling by plane, many people have had their luggage either delayed or lost. Replacing clothes and incidentals can be quite costly. Travel Insurance will cover lost luggage items. If delayed, the policy will cover the purchase of necessities that you require while waiting for your luggage to arrive.

Cause Injury to another Person: If you have rented a car while traveling abroad and crash into another car, and are found at fault, you may be responsible for paying for another person’s medical costs. Personal liability insurance will cover you for another person’s loss. Some policies will pay for the cost of an attorney if you are sued.

Lost Belongings and Theft: When you are traveling abroad, you should consider what you would do if you lost your belongings or had them stolen. Losing you cash, credit cards, and other forms of payment could leave you in a frightening situation. Traveler’s insurance will cover you if you lost or had your means of payment stolen. If you take expensive items such as jewelry and cameras on your trip, you run the risk of having the items stolen. Travelers insurance will cover you in the event of a theft of an item. Most policies impose a limit of coverage on any one item. You should consider adding ‘all risks’ coverage to your valuables. As well, make sure that you become familiar with any stipulations in your travel policy regarding the loss of an item. If you left a camera at a public place such as a park, you may not be covered

Traveling abroad can be an exciting and fun adventure. When making your traveling preparations, you want to make sure that your plans will result in a relaxing and enjoyable trip. Purchasing travelers insurance will give you peace of mind knowing that you are protected.

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How can We Prevent Road Accidents from Happening

in Finance - Insurance
by A Nutt

There is no doubt about it; there are far too many accidents on the road today. Even if you are the most careful and contentious driver on the road there is still a chance that someone will slam into your car causing you, at the very least, some property damage and maybe something far worse.

There is nothing you can do that will guarantee you a constantly safe and totally accident free driving experience, but there are several things that travelers can do to help minimize the amount of accidents that occur on the road every day.

Obey the Traffic Laws The state makes prospective drivers pass a test before they get behind the wheel for a reason, automobiles can be very dangerous if they aren’t operated properly and according to the laws of the road. Speed limits, traffic signs and all other traffic signals should be closely adhered to every single time someone gets behind the wheel, traffic laws are put in place to protect all of the travelers who are sharing space on the road. Following traffic signals isn’t an option, those drivers that treat it as such are usually the ones you see pulled over to the side of the road being handed a violation by officers or off the side of the road due to being involved in an accident after that required roadside assistance.

Pay Attention to the Road and Your Surroundings at all times There can be plenty of things going on in traffic all around you, so it’s crucial that you pay attention to everything going on around you. Driving should be your only focus while behind the wheel. Too many travelers use there commute to eat their breakfasts, drink their coffees, apply their make up and change their outfits and these are often the drivers that are involved in accidents. If you don’t have time to eat, change or apply your make up before you get in the car, it’s probably a good idea to start getting up earlier. Those five extra minutes of sleep won’t help you replace your totaled automobile or help with your rehabilitation following an accident.

Put Down the Cell Phone Our cell phones now are a huge survival tool, they let us make calls, receive and send text messages and e-mails, surf the internet and get directions, watch videos, take pictures and listen to music, among other things, but one place they don’t belong is in your hand while you’re behind the wheel. You simply can’t concentrate on the road and the things going on around you while you’re typing a text message or reading an e-mail. There are laws against using your cell phone while driving in many states now, and those laws are just as important to follow as all of the other laws on the road, you can read your e-mails and send your texts when you get to your destination, but doing so while your driving may not let you get to your destination at all.

Don’t Drive under the Influence Driving under the influence of drugs or alcohol is a major cause of accidents and automobile related deaths. An easy way to prevent this is to not drive while you are under the influence, if you have to drink, and then find another way to get home. Have a sober friend drive you, take a cab or spend the night where you are, but never get behind the wheel after you’ve been drinking.

Many of the accidents that occur are preventable, if people would just pay attention and abide by the laws of the road. By staying aware of your surroundings you can help to minimize the chances that you’ll be involved in an accident, but if you choose to drink and drive or play with your cell phone while you’re driving then you are setting yourself up to become a statistic.

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