Situational Awareness – Redux

Tuesday, April, 26, 2016

Situational Awareness
by Rico Rossi Uptown Dallas Insurance 214.871.3145

Are You Ready!

I wrote this blog a few years ago, and it still applies. With school starting and summer ending we tend to get focused on things that take us away from situational awareness.

I recently read a book my friend Jeff McKissack wrote,  “Power Proverbs for Personal Defense” . Proverb number two in the book, titled “An ounce of prevention is worth a pound of cure,” is one of my favorites. While I will leave the personal safety training to Jeff, I have always taken his 4 reasons to heart:

  1. If I/we ignore it, then it will go away or not happen at all.
  2. The chance of this happening to me/us are slim to none.
  3. I/We cannot afford (financially) to take the necessary precautions.
  4. If I/we do something, people will think that something has happened.

So how do those things apply to insurance? I am going to touch on four area’s of insurance and apply the above principles.

Vehicle Insurance

In and out, back and forth go our vehicles. Almost everyday on facebook or twitter I read of someone who has had their vehicle broken into and/or their stuff stolen. So what can we do?  Many vehicle break-ins are a crime of easy opportunity. Leaving any item in plain sight gives a thief a reason to break into the vehicle. From mothers in a rush to get their kids to scheduled activities or business people late for an appointment, both may leave purses and/or briefcases in their car. The “I will only be gone a second” theory is all the time a criminal needs. While going about your daily business be aware of your surroundings and who is watching you walk to your car. Look inside your car – what do you see? Exposed phone power cords, designer boxes (even if empty), sunglass cases, briefcases, or gym bags are “begging” for a thief to break in to your vehicle. Keep the inside of your vehicle as clean as possible and secure bags and boxes in your trunk. I have invested in a small safe in both vehicles where I can secure small valuables.

Home Insurance

So often we leave our home wide open for the “cat burglar”. Even your car can be responsible for a break-in of your home. When going out on the town, whether valet parking or not, lock your glove box and if you have a remote control, keep it locked away. Secure all valuable papers and daily planners that have your address or time schedule. Your remote control can be copied and they can get your address from your insurance card or many other unattended documents. Even when you are home, lock away or take your remote with you. Join your local neighborhood crime watch or get on their email list; they will keep you apprised of suspicious events in your neighborhood. Get a security system and put the sign in a very visible place. Christmas, Valentines, Birthdays and Mother’s/Father’s Day usually involve nice gifts. Completely deconstruct boxes and packaging that you will put out for the sanitation department. Thief’s  are on the look-out for newly purchased high value items. Stop mail and newspaper deliveries when you are out of town, and don’t “blast” your upcoming trip on facebook, twitter or any other social media sites.

Personal Umbrella

A personal umbrella liability policy extends your liability for your home, rental property, cars, motorcycles, golf carts, RV’s, ATV’s or boats beyond their liability limits. Having a personal umbrella will limit the possibility of lawsuits that could deplete your assets or cause you to lose your driver’s license due to a covered incident that exceeds the base policy liability limits.

Life Insurance and Disability Insurance

I know, we are all going to live forever and never get hurt. The reality is that the quality of life for your family is more effected by your death or disability than just about anything else. Get coverage while you are healthy and young; this will secure better rates. We all want our family to maintain their current quality of life.

These are just a few things to keep on your mind to protect your family and assets. I hope this jogs your noggin’.

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