How to Prevent Common Summer Claims

Summer is a time for relaxation and fun, but it also brings certain risks that can lead to insurance claims. Being aware of these hazards and taking proactive steps can help prevent accidents and ensure a safer season. Here are some common summer insurance claims and tips on how to prevent them.
 

Fire

Summer activities like barbecues, fireworks, and campfires increase the risk of fires.

Prevention Tips: 

1. Use grills outdoors and away from structures and vegetation. Keep a fire extinguisher nearby.
2. Supervise fireworks and ensure legality. Use under adult supervision and keep water handy. 
3. Build campfires away from dry areas, never leave a fire unattended, and extinguish them fully. Always have a bucket of water handy.

 

Car Accidents

Summer sees a spike in car accidents due to more drivers, vacation travel, and impaired driving. According to the Insurance Institute of Highway Safety (IIHS) of the 35,000 annual traffic deaths in the U.S., 9% happen per month in June and July, peaking at 10% in August.

Prevention Tips:

1. Don't drive under the influence. Designate a driver if needed or use a rideshare.
2. Avoid distractions. Focus on the roads and other drivers.
3. Ensure your car is in good condition before trips.

 

Drownings

As more people swim in pools, lakes, and oceans during the summer, the risk of drowning rises significantly. Each year, the United States sees over 4,000 unintentional drowning deaths, according to the CDC.

Prevention Tips:

1. Supervise children by watching closely and using life jackets if needed.
2. Learn to swim by enrolling yourself and your children in swimming lessons to improve water safety.
3. Follow water safety guidelines, never swim alone, and be aware of undertows.

 

Boating Accidents

Recreational boating is a popular summer activity, but it can lead to accidents if proper precautions aren't taken.

Prevention Tips:

1. Ensure everyone wears a life jacket or has one available.
2. Don't operate a boat under the influence.
3. Check weather conditions and follow navigational rules.

 

Home Break-Ins

Home burglaries often increase in summer when families are on vacation, leaving homes unattended.

Prevention Tips:

1. Lock doors and windows and consider a security system.
2. Use light timers and have a neighbor collect mail to make your home look occupied.
3. Avoid posting vacation plans or photos on social media until after returning.

 

Conclusion

Enjoying summer requires vigilance about safety. Follow these tips to reduce risks and keep your summer fun and stress-free. Proactively managing these risks helps ensure the safety of you and the ones around you.

Protect what matters most with Michigan First Insurance Agency, LLC. Start a quote today by visiting MichiganFirstInsurance.com or calling 844.788.0818.