Dump Truck insurance Houston Texas

Preventing Injuries with your Trucking Business

Dump Truck insurance Houston TexasTrucking is a satisfying and independent business much of the time. You travel from place to place hauling cargo for businesses and consumers alike, essentially keeping our economy moving. Sometimes you put in long hours so ensuring your safety is a top priority. Here are some safety tips to ensure you’re safe on the open road the next time you hop behind the wheel.

Inspect Your Equipment

Inspecting your equipment can prevent more than just injuries to yourself. Insecure loads, worn-out straps and tie down points can cause your load to shift or come off your trailer. Completing regular walk-arounds of your equipment before each time your drive it can be an easy prevention strategy.

Buckle Up

According to the Department of Transportation, nearly half of all truckers fail to use a seatbelt while operating their trucks. This simple safety technique can not only help to prevent injuries, but could save your life.

Wear proper safety Equipment

Utilizing proper safety equipment is a simple strategy to avoiding injuries. Things like non-slip, steel toed boots and shoes, gloves and hardhats are examples.

Back Safety

Teaching your crew or learning yourself proper techniques for lifting as well as driving posture can help you avoid back issues.

Enter & Exit Truck

Requiring your drivers and yourself to enter and exit trucks using the three-point-contact.

Incident Investigation

If you’re the owner of a trucking business and have other drivers working for you, it is essential that you investigate any safety or work injury incidents appropriately to ensure it doesn’t happen again.

Not all injuries can be prevented, but using these simple strategies for both yourself and your drivers can help control insurance costs as well. AJ Morales Insurance Agency in Houston, TX works with the top truck insurance companies in the nation. Call our agency for a trucking insurance quote or policy review. We can help with box trucks or flat bed insurance too.

Home Insurance Houston, Texas

5 Things to Keep in Mind for Spring Cleaning Your Home

Home Insurance Houston, TexasCleaning a home deeply should be done once a year and spring is a great time to dig in and actually do it! Instead of focusing on a long list of things to accomplish, we’d thought we’d share five things to keep in mind when it comes to spring cleaning your home.

Keep it, Store It or Donate It

This is an easy reminder when it comes to cleaning out your house and it can apply to any room. For clothing items, ask yourself if you have worn it in the last year. If the answer is no, look to donate it. You can help others in need this way and that always feels great. Seek out charities that support your community.

Break It Up In Sections

Just the thought of spring cleaning can be exhausting for some people. Instead, focus on breaking up your cleaning by sections or rooms. For example, put all your cleaning attention into your kitchen for the first day. Wipe down your cabinets, organize the inside of your cupboards or drawers, or give your refrigerator a nice scrub. This feels much more doable versus looking at your long list of cleaning for your entire house and asking yourself, “Where do I start?!”

Create a List & Check It Twice

For many people, creating a to-do list feels productive and how good does it feel once you can officially check if off? Follow our suggestion by breaking up your cleaning into sections and making a list of what you want to accomplish in each room.

Make it Fun

Get your family or other household members involved, assign them specific tasks, turn on some good music then celebrate with a night out together. Don’t feel like you have to clean all day long to feel like you’ve been productive. Marking several items off your list can simply do the trick!

Looking for a Basic Spring Cleaning Checklist? Start here.

Top Areas to Clean in Each Room

  • Dust all furniture, picture frames, television, or hanging décor on walls.
  • Dust ledges or other areas you cannot see at eye (ceiling fans, top of cabinets)
  • Clean windows or mirrors
  • Dust or wipe down baseboards, blinds, window sills, vents.
  • Sweep & mop floors
  • Vacuum carpet and rugs
  • Change smoke detector batteries
  • Wash curtains
  • Vacuum furniture cushions
  • Disinfect items like your TV remote, door knobs, computer mouse or kitchen drawer handles.
  • Organize each room & donate/discard what you won’t use.
  • Disinfect your bathroom items like tub, shower and toilet. Wash shower curtains.

Your home is a valuable asset so keeping it clean will not only keep it in tip-top shape, but will clear the home of allergens, bacteria and mold that can build up over time. With a little elbow grease, you’ll be done in no time. If you have questions about your home insurance, contact the agents at AJ Morales Insurance Agency. We are happy to answer your questions, go over your current coverage or shop for a policy.

What to do if you get into a car accident in Houston, TX

What To Do if You Get Into a Car Accident

What to do if you get into a car accident in Houston, TXBeing in an accident can be a very frightening event. Being prepared to know how to handle the situation when it occurs will help you deal with the shock of it, and obtaining proper documentation helps support a claim. While accidents will happen to almost every driver, whether their car is parked and unattended, or while they’re driving, knowing these important steps will help you deal with the unfortunate situation.

Safely park your vehicle: If you happen to be driving when the accident occurs, safely pull the vehicle over to the side of the road. If possible, carefully write down the license plate and description of the other vehicle(s) involved in the accident. If you are reporting a hit and run, this information will aid police in locating the driver. In the event of a hit and run it most likely happens when your vehicle is unattended. If you return to your vehicle to find damage, look for clues to help you prove your case, i.e. Security cameras.

Assess any Injuries: If someone is injured, take care of their immediate needs and quickly call 911. It is typical to be jittery after such an event so catch your breath too.

Call police: Once you’re safely parked, you should call the police to file a report, especially if another party is involved. It’s important to always have documentation of how the accident happened. Some people want to settle the claim without going through insurance, but this comes with risks. The other driver may not live up to their word and without contacting the police, it turns into a he said, she said scenario.

Exchange Information: Exchanging insurance ID cards is always recommended. Be sure to have their name and phone number too. It’s simple to take a picture with your phone. Be sure to include the car’s license plate number, year, make and model too.

Take pictures/Gather any witness information: If you have a witness who wants to share their side of the story, jot down their phone number and name. Your insurance company will want to talk with any witness to the accident. Taking pictures also gives your insurance company more details on the damage of your vehicle.

Call your insurance company: Sometimes even though vehicles collide, the damages may be limited, so you’ll want to take a close look and determine if you want to pursue a claim or get an estimate first before calling your insurance company. If someone was injured or if you have major damage, it’s always best to call your insurance company immediately. Your insurance company can assist you with your claim so if you have taken pictures and provided all the information above, your claim can be settled quicker.

While we hope you never have to experience a car accident, being prepared will help you tackle the unfortunate situation. For questions about your auto insurance, contact AJ Morales Insurance Agency. We’ll provide a free quote, go over your coverage options and find you a policy that best fits your needs.