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Three Second Rule Apr 27, 2016
3-Second Rule for Safe Following Distance
Rear-end collisions are the most common accidents between vehicles. They occur when drivers do not have enough time to perceive and react safely to slowing or stopped traffic. Increasing your following distance can help give you time to react when someone brakes in front of you.
The Three-Second Rule
Increasing the distance between you and the car ahead can help give you the time you need to recognize a hazard and respond safely. The National Safety Council recommends a minimum three-second following distance.
Determining the three-second gap is relatively easy. When following a vehicle, pick an overhead road sign, a tree or other roadside marker. Note when the vehicle ahead passes that marker, then see how many seconds it takes (count 1-1,000; 2-1,000; 3-1,000) for you to pass the same spot. If it is not at least three seconds, leave more space and increase your following distance.
Think of following distance in terms of time, not space. With a standard of 2.5 seconds, highway engineers use time, rather than distance, to represent how long it takes a driver to perceive and react to hazards. The National Safety Council also uses this standard (plus a little extra for safety) when recommending the three-second rule for following distance.
Sometimes Three Seconds Is Not Enough
The three-second rule is recommended for passenger vehicles during ideal road and weather conditions. Slow down and increase your following distance even more during adverse weather conditions or when visibility is reduced. Also increase your following distance if you are driving a larger vehicle or towing a trailer.
Distractions, such as texting, reaching for a drink or glancing at a navigation device, also play a role in rear-end collisions. Even if you use the three-second rule, you may not have time to react to a hazard if you are distracted. It is another reason why you should avoid distractions while driving.
Spring Home Maintenance Apr 12, 2016
Spring Home Maintenance Tips
Milder days offer a prime opportunity for spring cleaning and home maintenance. After a long winter, be sure to spend some time on preventive measures that will help maintain your home and property all year long. From cleaning out your gutters and checking for dead trees and branches, to cleaning and inspecting your home mechanical systems such as your heating and air conditioning equipment, we offer ways to help make spring a season of safety.
Inside Your Home
Check your electrical outlets for potential fire hazards, such as frayed wires or loose-fitting plugs. Make sure outlets, fuse boxes and extension cords are not overloaded.
Move your multi-purpose fire extinguisher to an accessible place, and make sure it is filled and ready for operation.
Have your air-conditioning system inspected by a professional as recommended by the manufacturer.
Check your water heater for leaks and corrosion.
Clean or replace your furnace filter.
Clean the clothes dryer exhaust duct and space under the dryer. Remove all lint, dust, and pieces of material.
Inspect your smoke detectors. Make sure there is one on each floor of your home. Test them monthly, and change the batteries annually or as needed.
Check the light bulbs in all your fixtures. Be sure they are the correct wattage as recommended by the manufacturer.
Replace all high-intensity bulbs with fluorescent bulbs. Other types of bulbs, like incandescent, produce more heat than fluorescent bulbs.
Outside Your Home
Check for damage to your roof.
Clean gutters and downspouts to keep debris from accumulating.
Remove dead trees in your yard.
Keep healthy trees and bushes trimmed and away from utility wires.
Safely store oil and gas for lawn equipment and tools in a vented, locked area.
Repair cracked, broken or uneven driveways and walkways to provide a level walking surface.
Download our checklist here:

Happy Spring! (Hopefully the snow melts off my tulips soon!)
Words We Live By Nov 26, 2014
When OHL Insurance & Financial Services was being formed, we thought very hard about the qualities that we would want in an insurance agency, things we knew everyone would want. We wanted it to stand for what we value here day to day, words we live by. So, what is important to us? What is important to you? The agency is named after its founders but more importantly on our core values expressed in the acronym OHL:

Outstanding Rates For Everyone
As an Independent Insurance Agency, we work with a large number of Insurance carriers. That means that we take care of all the shopping for you. We give you quotes from multiple carriers that fit your needs. We don't deny that price is one important factor when choosing your insurance, and we can help you find a competitive rate. That doesn't mean that the cheapest price is always the best. We are here to give you outstanding rates and numerous choices. And we feel that everyone deserves a fair rate regardless of their claims or credit history. Everyone experiences a bump in the road at times.

Honest Answers When You Need Them
We promise to give you an honest answer to your questions, and to do so in a timely manner, not next week, next month or never. We want you to get an answer when the concern is on your mind so that we can give you peace of mind. We will give you the facts and information that you need to make the best decisions for you and your family. We get it, insurance can be complicated. But, we are here to help you sort through all of that.

Loyal Service All the Time
We believe in doing what we say we'll do. We take care of your request when you contact us and do it in an accurate and efficient manner. We are happy to hear from you in any way that is convenient for you: in person, on the phone, through email, text, or whatever else works best for you. And we are available when you need us, we don't just cut you off at 5.

So, now you know a little bit about us. We truly value our relationships with our clients, and look forward to having those relationships last. Tell us how we can help you.

Beware of Using Your Car for Ride Sharing Oct 2, 2014
Beware of Using Your Car for Ride Sharing

You may have heard of a new type of transportation becoming increasingly popular - ride sharing. Ride-sharing is an activity facilitated through transportation network companies that connect passengers and drivers through smart phone apps and other Internet-based platforms. It may sound like a convenient way to connect those who would like to earn some extra income with those who are in need of a ride. However, all personal auto insurance policies (PAP) contain an exclusion for claims from a vehicle "being used as a public or livery conveyance". The language contained within the policy states that if you are using your car for this purpose, and there is a claim that results while involved in this activity, the claim may be rejected, leaving the driver open to a host of problems.

So, what would happen if the driver, passenger, or even a pedestrian is injured? What about the damage to the car or other property if there is an accident? If it is excluded by the insurance carrier, what about the ride sharing company? Ride sharing is a new practice and how insurance carriers and courts will respond to claims for the most part is still unclear. If you are involved as a driver in this type of service, it's best to talk about it with your agent.
Which Homeowners Policy Is Right For Me? Jul 10, 2014
Which Homeowners Policy Is Right For Me?

If you own a home; you'll want to think about the best way to insure it. One goal is to match your needs to the right company. Some companies like new, high-valued homes while some companies do well with older or historic preservation homes. Others are comfortable with country homes or old farm homes. It pays to shop around, both for the best coverage and for a company that likes your type of home.
There are two common levels of coverage that you may consider:
Named causes of loss coverage-The policy only covers certain causes of loss to your property. You must prove to the company that one of the covered causes damaged your property.
Risks of physical loss–This covers all causes of loss except those that are excluded. The company must prove that one of the excluded causes of loss damaged your building.
You may want to discuss other types of homeowners coverage if you own a different type of residence such as a modular home, mobile home, apartment, town home, condominium or you have personal living space in a commercial building.
A Basic Homeowners policy usually provides the following:
  • Coverage for your building (ask about coinsurance and replacement cost issues).
  • Coverage for your outbuildings - garages, sheds, barns, cabanas
  • Coverage for personal property is usually 50-75% of your building limit
  • Limitations - many policies have special limits on certain types of property, such as theft loss to Jewelry and gems ($1,000), Furs ($1,000), Gold, silverware, pewter ware ($2,500), Guns ($2,000), Building supplies - no coverage for theft. Further, very little coverage may be available of other types of property, regardless of the cause of loss, such as, money, stamps, fine arts, antiques, electronics, boating equipment, etc.
  • Limited coverage for personal property that is permanently kept at storage facilities.
  • Additional living expense - pays the extra cost of temporary housing, food and other increased costs of living when you are forced from your home by a covered cause of loss.
  • Liability coverages - should you accidentally injure other people or damage their property
  • Defense costs - includes hiring and paying for a lawyer (if necessary) and paying most court costs.
  • Medical payments coverage is for minor injuries to people other than residents of the household. You don't have to be sued or be negligent.
If this short article has raised more questions about your coverage…good. Find an insurance professional to get the answers (and the coverages) you need.
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Manor, PA 15665
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Located in Manor, PA ; Glendale, AZ and Leechburg, PA. We also serve the Greensburg, Hempfield, Irwin, North Huntingdon and Penn Townsihp areas. - Licensed in Arizona, Ohio, Pennsylvania and Virginia