Business Insurance

Reviewing your policy in the new year

SRCone_Admin • December 20, 2016

Renewing your policy in the new year

As you enter the New Year, it is a good time to review your policies and address any applicable life changes.

Reviewing your insurance policies annually is a great way to keep your coverage current.   We can help you make sure that any life changes and major purchases are appropriately covered.

Some factors that require a review of your policies would include:

Relocation

Thinking of moving to a new area this year for a new job opportunity or retirement?   Contact your insurance agent and check out insurance rates in those areas to be sure you are prepared for any cost fluctuations.

Life Changes

Did you get married this year?   Have a child go away to college?   These types of life changes affect your policy.   For instance, when you get married you now have an extra person to insure along with his or her car and belongings.   Take time to speak to your agent to make sure your policy has been adjusted accordingly.

Major Purchases

Your policy limits may need to be increased if you made any major purchases or additions to your home this year.   In the same way that these new purchases need the correct amount of coverage, you may also find when reviewing these items with your insurance agent that your large purchases from last year have depreciated in value and now require less coverage.

 It is always a good idea to talk with your insurance agent when you have questions. They are here to help you get the best deals and best coverage for your needs.   At  SourceOne Insurance  , we are one of the largest, independently owned insurance agencies in the Fort Wayne, Indiana area.   Since SourceOne’s founding in 1994, we have had one goal – to be the “one source for all your insurance needs.”  Call us today to make sure your coverage is ready for the New Year!   Or, click here to contact us.

By Ben DenHouter October 31, 2023
Texas, known for its vast landscapes, bustling cities, and thriving economy, is a state where the trucking industry plays a pivotal role in ensuring the flow of goods across the nation. However, with great power comes great responsibility. To maintain safety and efficiency on its highways, Texas has established a comprehensive set of regulations governing stopped semi trucks. In this article, we will explore the key regulations that govern these mammoth vehicles when they come to a halt on Texan roads. 1. Parking Regulations Texas is home to an extensive network of highways and roads where semi trucks are frequently seen. To ensure the safety of all road users, the state has established strict parking regulations for these behemoth vehicles. Semi trucks must park only in designated truck parking areas, rest stops, or commercial trucking facilities. Parking on shoulders or ramps is generally prohibited, as it can obstruct traffic and pose serious safety hazards. Violating these regulations can result in fines, penalties, and even the impoundment of the vehicle. 2. Hours of Service (HOS) Regulations The Federal Motor Carrier Safety Administration (FMCSA) sets forth HOS regulations for commercial drivers, including those operating semi trucks. These regulations dictate how long a driver can operate their vehicle before taking mandatory rest breaks. Adherence to these rules is crucial to prevent fatigued driving, a significant cause of trucking accidents. In Texas, drivers must comply with these federal HOS regulations. It's the driver's responsibility to ensure they do not exceed their daily driving limits and take appropriate breaks. The state enforces strict penalties for drivers and trucking companies that violate these regulations to safeguard the safety of all road users. 3. Load Securement Regulations Properly securing cargo on semi trucks is not only a safety requirement but also a legal one in Texas. State law and FMCSA regulations require all loads to be securely fastened to prevent them from shifting, falling, or causing an imbalance in the truck's weight distribution. Failure to comply with these regulations can result in severe accidents and road hazards. 4. Weight Regulations Texas imposes strict weight limits on trucks to protect its infrastructure. Semi trucks must adhere to the state's weight restrictions, and they are required to stop at weigh stations when in operation. Violations can result in fines, and the vehicle may be placed out of service until the excess weight is removed or properly redistributed. 5. Idling Regulations In an effort to reduce emissions and conserve fuel, Texas has implemented idling regulations that restrict the amount of time a truck's engine can run when parked. These regulations are designed to reduce unnecessary emissions and fuel consumption, especially during rest periods. 6. Hazardous Materials Regulations Semi trucks carrying hazardous materials must adhere to additional regulations to ensure the safety of both the driver and the general public. These regulations include proper labeling, placarding, and compliance with specific route restrictions when transporting hazardous materials. Texas, with its sprawling highways and critical role in the nation's logistics, understands the importance of regulating stopped semi trucks. These regulations are in place to maintain safety, protect infrastructure, and preserve the environment. Truck drivers and trucking companies operating in Texas must be well-versed in these regulations to ensure compliance. Violating these regulations can lead to fines, penalties, and, most importantly, jeopardize the safety of all road users. Texas is a state that understands the significance of responsible and safe trucking, and its regulations reflect this commitment.
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