Personal Insurance

Marijuana’s Impact On Driving

Marijuana’s Impact On Driving

Drug-impaired Driving Can Be Deadly Marijuana use significantly impairs one’s driving ability by affecting judgement, motor coordination and reaction time. In fact, according to the most recent data from the Canadian Centre on Substance Abuse, approximately 34 per cent of vehicle crash deaths can be linked to drug-impaired driving, which is nearly as many as those related to alcohol. Marijuana’s Impact On Driving Drug-impaired driving occurs when an operator uses a motor vehicle while under the influence of illegal, prescription or over-the-counter drugs. Of these, marijuana is one of the most common, with studies suggesting that each year, approximately 632,600 Canadian drivers operate a vehicle two hours after smoking marijuana. This is dangerous, as marijuana can impact one’s driving ability in the following ways: Reduces a driver’s ability to stay in the centre lane Impacts a driver’s ability to judge…read more →

Personal Lines Perspectives: Busting The Top 5 Myths About Car Insurance

Personal Lines Perspectives: Busting The Top 5 Myths About Car Insurance

When it comes to shopping for car insurance, there’s a lot to think about — and everyone seems to have advice and information to share. But how much of what you hear is actually true? Let us make things a little clearer by breaking down some of the most common myths about car insurance. 1. Red cars cost more to insure than any other colour of vehicle. Contrary to popular belief, the colour of your car has no impact on your premium, so driving a red car does not mean you’ll pay more for car insurance. There are several factors that go into determining your premium, including the make and model of your vehicle, the way you drive, and where you live — but colour doesn’t come into the equation. 2. If my friend gets in an accident when he borrows my car, it won’t…read more →

Personal Lines Perspectives: What To Do When Your Vehicle Breaks Down

Personal Lines Perspectives: What To Do When Your Vehicle Breaks Down

Be Prepared No one ever plans to have their car break down, but you can plan ahead to deal with it safely. Read on to learn about some helpful hints to help you remain safe and injury-free should you get stuck on the road. Breakdown Safety Basics If your car breaks down, your safety should be your primary concern. Consider these safety tips: Move your vehicle to a safe area before getting out to check on damage or to make a repair. If you were involved in an accident, signal to the other driver to pull off to a safe spot too. If your vehicle will not move and is not drivable, stay in your vehicle and call for help on your cell phone. Always put on your hazard lights when you pull off to the side of the road…read more →

Personal Lines Perspectives: Bell Data Breach & Bad Passwords

Personal Lines Perspectives: Bell Data Breach & Bad Passwords

Up to 100,000 Bell Customers Impacted by Data Breach Bell Canada, one of the nation’s largest telecommunications companies, announced Tuesday, Jan. 23 that up to 100,000 customers were affected by a data breach. The company has said that hackers likely obtained sensitive customer information, including subscriber names, phone numbers, account names and email addresses. At this time, there is no indication that credit card numbers or other banking information was compromised. The company is advising customers to change their passwords and security questions. Affected users should also be on the lookout for suspicious activity, as cyber criminals will likely use the lost email addresses and user profiles to carry out more harmful phishing and social engineering scams. Bell is currently working with law enforcement and the Office of the Privacy Commissioner of Canada to investigate the event. Officials are looking…read more →

Personal Lines Perspectives: Tips for Saving for Your Child’s Future

Personal Lines Perspectives: Tips for Saving for Your Child’s Future

Tips for Saving for Your Child’s Future Saving for your child’s future is important, especially when you consider how expensive college is. Thankfully, there are a number of steps parents can take to start saving today in order to ensure their children are financially prepared for the future. The following are some easy tips to consider: Start saving the day your child is born and save as much as you can. Compounding interest will also make your savings grow. Save money on a consistent basis rather than on a random schedule. Consider setting up an automatic payroll deduction or having your bank automatically move money from your chequing account to a savings account. Establish a savings goal to measure how well you are saving, and modify that goal as your salary increases. Ask relatives to contribute to the savings account…read more →

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