NYS COVID-19 P&C CUSTOMER RELIEF NOTICE
New York State Department of Financial Services extends grace periods for certain property/casualty insurance policies. If you are an individual or small business and can demonstrate financial hardship as a result of the coronavirus pandemic.
NYS COVID-19 LIFE INSURANCE CUSTOMER RELIEF NOTICE
New York State Department of Financial Services extends grace period and give you other rights under life insurance policy or annuity contract if you can demonstrate financial hardship as a result of the coronavirus pandemic. Read more.
OFFICE CLOSURE DURING COVID-19
As we continue to monitor the spread of COVID-19 (coronavirus), the health and safety of our policy holders and staff is our top priority. Based on recommendations from the CDC (Center for Disease Control) as well as the recommendations from the New York State Governor, SEFCU Insurance Agency has made the decision to temporarily close our offices located at 469 State Street, 3rdFloor, Schenectady and 297 Main Street, Schoharie beginning Friday, March 20th until further notice.
This temporary closure affects SEFCU Insurance Agency offices ONLY.
During this time of uncertainty, you can rest assured knowing that SEFCU Insurance Agency will continue to meet the needs of our customers. Agents are available by phone as well as email to service your policies, offer quotes, and answer any of your questions. We will not be staffing our offices or accepting premium payments in person.
A Quick Refresher: Driving and Maintaining Your Vehicle in Wintry Conditions
Published: November 27, 2017
Updated: August 6, 2019
To be a safe driver, you must learn how to handle your vehicle in all conditions. This article explains some of the best winter driving tips to help you stay safe on snowy and icy roads.
Tips for Driving Safer in the Winter
Maintain distance. In normal driving conditions, you should maintain 3 seconds of distance from the car in front of you. In winter driving conditions you should maintain 8 to 10 seconds of distance from the car in front of you. This will help ensure that you can brake in time to avoid the car in front of you if it stops or slows down abruptly.
Drive for the conditions. Speed limits are based on perfect road conditions. In winter driving conditions, going 65 mph on the highway can be fatal. Use your judgment and reduce speed to what you think is safe. Also, don’t feel pressured by a driver behind you who is tailgating or flashing his lights. You know what’s safest for you. If necessary, pull to the side of the road to let the driver pass.
Respect snowplows. Keep a distance of at least 70 feet (four car lengths) behind a snowplow. This will help ensure that you are not in one of the plows blind spots. It can also help prevent the sand and brine spraying from the back of the plow from damaging your vehicle. Also, never pass a plow. It is frustrating when they drive under 35 mph, but parts of the road they have not yet cleared may be unsafe.
Don’t use cruise control. Cruise control can help improve your fuel economy but it’s dangerous to use in snowy conditions. Cruise control is designed to keep your car while traveling at a consistent speed. If your vehicle loses traction on a patch of ice, cruise control will accelerate to try to maintain speed.
Know when to stay off the road. Aside from a travel ban, there is no specific rule to determine when you should and shouldn’t drive in the snow. A recommendation, though, is to check the forecast for all the areas that you’ll be driving through and the times that you will be driving. Winter snow conditions can change very quickly. You don’t want to get caught in heavy snows during a long commute.
You should also make sure that your vehicle is ready for the winter weather. The following section will help you learn how to maintain your vehicle in the winter months.
Vehicle Maintenance Tips for Better Winter Driving
Check your tire PSI. Your tires will deflate one PSI for every 10° drop in temperature. Under inflated tires can decrease vehicle handling and brake response time. Check your tires’ PSI using a digital tire pressure gauge and keep them inflated to the correct PSI during the cold winter months. You can find the correct PSI for your vehicle’s tires in your owner’s manual. There should also be a sticker that states your vehicle’s correct tire PSI in the driver’s side door jam or glove compartment.
Clean your car after snowfall. In some states you may get a ticket for driving a vehicle without clearing the snow off first. Failing to do so is not only dangerous for you but for other drivers on the road. Uncleared snow can fly off your car while driving and hit another vehicle. Always clear all parts of the car before driving. This includes the roof and hood but also all the windows, lights and mirrors.
Keep your gas tank at least half-full. It’s possible for condensation to form in the empty part of your gas tank. In cold winter months this condensation can freeze. The frozen condensation can then block your fuel line. This blockage can prevent your vehicle from starting or running properly. Be sure to keep your gas tank at least half-full during the winter.
Mix the correct antifreeze. The right mixture of antifreeze can keep your car running in the wintertime. It can also increase the lifespan of your engine block. A 50/50 water/antifreeze mix is often recommended, but check the labeling on the antifreeze bottle first. Using more antifreeze will not help protect your car in the colder months. Instead, it can destroy your engine block. Also, make sure that your windshield wiper fluid is treated to handle the winter months as well. You may need to add anti-freeze fluid based on the temperatures you are expecting.
Check your tire treads. You’ll need all the traction you can get to handle your car in winter driving conditions. Check your tires by placing a penny with Lincoln’s head, upside down and facing you, in the tread. If you can see Lincoln’s entire head then there isn’t enough tread on your tires and you should replace them.
Stay warm if your vehicle breaks down in the winter. Immediately bundle up with as many layers as possible. You can run the heater but only if you know the tailpipe of your car is not obstructed by snow. If it’s safe for you to get out your vehicle, you can do so to check the tailpipe and clear snow out of the way if needed.
It’s best to stay off the roads during a snowstorm. But if you must travel, be sure to follow the winter driving tips outlined in this article. Additionally, maintain your vehicle so that it can handle the winter months. If you don’t feel comfortable making these adjustments, ask a mechanic. You should also make sure that your vehicle is covered with the right type of car insurance and that you have towing insurance. Following these tips will keep you and others safe while driving in the winter.
Courtesy of The Hartford