Personal Safety Tips – Oegema, Nicholson & Associates Insurance

9 Tips for Driving in the Rain

Oegema — Mon, 06 Jun 2022 11:18:00 +0000

After months of snow, sleet, slush, and freezing rain, the sunny weather we’ve all been waiting for is here. But even as we enjoy the summer months, storms bringing thunder and rain are still all too common. You may not realize it, but driving in sudden downpours and heavy rain can be just as dangerous as travelling on icy roads. Rainfall creates slippery driving conditions and can significantly reduce visibility. Situations such as these require drivers to adjust their driving style to stay safe. To help you and your passengers stay safe, here are our top 9 tips for driving safely in the rain.

1. Keep your car in good condition

Maintaining your car in top working condition is crucial to keeping you and your passengers safe on the road. Make sure to clean the exterior and interior of windshields and windows so your view of the road is clear. Do a quick check of the headlights, tail lights, turn signals, and tire treads before driving the car every day. Any faults in these systems make driving hazardous and is also an offence. It’s essential, too, to ensure your windshield wipers are in good condition, especially after the harsh winter season. The extremes of heat and cold in Canada can cause wipers to wear out faster than expected, and you may need to replace the rubber strip in the wiper blade to ensure that your wipers are working as they should. You should also check the level of your washer fluid every week. Next are your tires. You’ll need good tires with lots of treads to be safe on the road, but check the inflation pressure of your tires as well. Tires lose a pound of pressure a month on average, so check them regularly to avoid a blown tire.

2. Slow down

While it may seem obvious, this tip is not usually practised. When driving in rainy weather, reduce your speed and leave at least five seconds of distance between your car and the vehicle in front. Reduced visibility from rainfall makes it harder for drivers to detect hazards. Wet roads also reduce friction between the tires and the road, which means braking and turning require more distance. Driving slower will allow you more time to react if another car loses control or you need to turn or brake.

3. Switch on the lights

Make sure to turn on your headlights so that your tail lights also come on. This ensures that other drivers on the road can see you and keep the appropriate distance. However, avoid turning on your high beams as the brighter light will reflect off wet surfaces and cause a distraction for yourself and other drivers.

4. Don’t drive through large puddles

As tempting as it is to speed through a large puddle, it is usually a bad idea. It’s difficult to gauge just how deep a puddle is by looking at it. You could hit a deep pothole or splash water into the car’s electrical system. Instead, try to drive around it or find a different route.

5. Beware of hydroplaning

Hydroplaning is when your vehicle has very little or no contact with the ground and instead just glides on top of the water. The most important thing to do is stay calm, ease off the gas, and slowly steer the car in the direction you want.

6. Stick to the middle

Most roads in Canada are paved slightly higher in the middle, with the sides sloping down to allow water run-off. Avoid driving on the sides of the road where deep puddles can form, and stick closer to the middle line.

7. Dry the brakes

Wet roads cause wet brakes. Some cars are programmed to remove water from the brakes automatically, but you can also do this manually after splashing through a wet spot by lightly tapping the brake pedals to dry the rotors.

8. Keep your distance

When driving in the rain, make sure you’re maintaining a greater distance than usual from the vehicle in front of you. Stay well back from big trucks or buses, as sprays from their tires can block your vision and make it difficult to see.

9. Hold off your trip

The best way to stay safe when the roads are wet is to keep off the roads unless necessary. Remember to check the weather forecast, as the rain may worsen, and it can be dangerous if you’re not prepared for it. Driving can be unpredictable and dangerous, especially when the conditions are less than optimal. That’s why staying protected with the right car insurance policy is crucial. At Oegema, Nicholson & Associates, our team of professional insurance brokers is here to help you build the right automobile insurance policy to protect your every need in Ottawa. To request a quote today or learn more about your options, call us at 613-704-7766 or contact us here.

What to Do if Your Child Is Involved in a Major Collision

Oegema — Wed, 09 Mar 2022 09:41:00 +0000

It’s the middle of the night when you suddenly get woken up by a phone call: it’s your child, and they have just been in a car accident. While most parents hope that they never receive this call, it’s undeniable that driving comes with its risks. Unfortunately, most teenagers are not equipped to handle the aftermath of a car accident. It’s important that you, as the parent, can support them and guide them through what may be a traumatic experience. Here are the most important steps you and your child should take following a car accident.

Avoid Panicking

Make sure your child does not drive away from the scene of the accident. They are likely overwhelmed, shocked, scared, and/or angry after the crash. Try your best to help them calm down, so they are better prepared to handle the stress of the situation. For example, ask them to take deep breaths or count to ten.

Keep Themselves and Others Safe

Ask your child if they can drive the vehicle. If there are no injuries and the car is still driveable, make sure they move the car out of traffic to avoid other damages and possible injuries. However, if they cannot get out of the vehicle, or if it’s not safe to do so, ask them to keep their seatbelt fastened, turn on their hazard lights, and call 911 for help.

Check For Injuries and Call The Authorities

Your child should check on everyone involved in the accident. Note that not all injuries are visible. If your child or anyone involved starts feeling unwell, call 911. Your child should be ready to give the dispatcher key information, including:

Their name and phone number
Details about the emergency. For example, if there is a fire or a medical emergency.
The location of the emergency. The dispatcher needs to know exactly where your child is. Ask your child to give as much information as possible, including the road name or number, travel direction, and the nearest exit number.

On the other hand, if there are no injuries and both vehicles can be driven away safely, police officers may not need to be sent to the scene. In this case, call the Ottawa Police Reporting Unit at 613-236-1222, where the officer will ask you some questions to assess your situation, provide you with a report number, and refer you to a collision reporting centre.

Take Detailed Photos and Notes

An accurate record can help the court and insurance agencies decide which party is responsible. Your child must take detailed written notes and photos of the accident scene, which may include:

Description of the vehicles involved- for example, year, make, model, and colour
Direction of travel
The exact location of the crash
Date and time of the crash
Weather and road conditions
Photos of all vehicles involved in the crash
Pictures of all four sides of your child’s vehicle post-collision
Close-ups of any damage on the cars and public property
Licence plate numbers of all involved vehicles
Contact information of any witnesses

Exchange Drivers Information

If the police responded to the accident, the investigating officer at the scene will obtain all relevant information and provide your child with a police report number. Your child can use this number to get an accident report later and file an insurance claim. If the police did not respond to the accident, ensure your child exchanges information with the other driver, such as:

Encourage them to ask for the other driver’s insurance card and driver’s licence to ensure the information is accurate. They should also take a photo of these identification cards for their records. If the other driver is not the vehicle’s owner, remind your child to get the owner’s information.

Report the Accident

In Ontario, the Highway Traffic Act requires all road accidents with injuries and damages over $2,000 to be reported to the police. Ensure your child reports the accident to the Collision Reporting Centre with the report number they obtained earlier from the Police Reporting Unit. They can do so either via email or visit the centre in person.

File a Claim

We encourage you to notify your insurance agent about the accident as soon as possible. While the claims process is relatively easy, we suggest that you walk your teen through the process and be as supportive as possible. To help your child feel less confused or overwhelmed by the process, you can explain how the insurance company will handle the claim to your child and ask them to keep you in the loop. You should also remind them only to answer calls from the insurance company when you’re nearby and avoid taking any action or signing any paperwork without your guidance. It’s also a good idea to go over your child’s car insurance policy again to know the specific details of your coverage, your rights, and your responsibilities. In Ontario, the government requires all drivers to keep four types of car insurance coverage: third-party liability coverage, statutory accident benefits coverage, direct compensation- property damage coverage, and uninsured automobile coverage. However, you may have opted for additional coverages to protect yourself and your family. Understanding the breadth of your coverage will make the claim process easier for both you and your child. As much as you try to keep your child safe on the road, sometimes, accidents happen. We at Oegema, Nicholson & Associates are here to help you build a car insurance policy for your specific needs. Learn more about the comprehensive insurance coverage and request a quote today at 613-704-7766 or contact us here.

Tips for Driving in Winter Conditions

Oegema — Thu, 16 Dec 2021 10:06:00 +0000

Winter weather can be treacherous. As well, when you are inexperienced or ill-prepared for bad winter weather, you can feel less confident behind the wheel. Winter storms can pop up unexpectedly, while wintery roads can suddenly become icy. As a driver in Canada, you need to take every precaution to protect yourself and others on the road. Here, we offer tips for driving in winter conditions and how to be prepared.

Avoid Driving When Road Conditions Are Poor

The best way to stay safe in the winter is to avoid driving when the weather is bad. Whether there is a snow storm, icy conditions, or other weather-related perils, you can avoid accidents by simply putting off unnecessary travel until road conditions improve.

Install Snow Tires

This is an obvious precaution, but you’d be surprised how many people do not change their tires in the winter. Although snow tires are expensive, they are a good investment that will keep you safe while lasting for several years. Most insurance companies also offer lower auto insurance premiums for drivers with snow tires. You can put those savings towards your snow tires to help offset the cost. As well, make sure your tires are in good condition and have the proper air pressure.

Have Your Car Checked Each Fall

Making sure your car can respond in winter weather is very important so make sure you have your car checked each fall to make certain everything is in working order, while making the necessary repairs. This will not only keep you safer on the winter roads, but also reduce the risk of being stranded in frigid temperatures.

Remove Snow and Ice From Your Vehicle

While you might think you can get away with just clearing your windshield, snow on your car can slide from the roof and block your view. It can also blow into other cars behind you. Therefore, always clear all snow from your vehicle before heading out on the road. As well, check your exhaust to clear it of blockages from snow and ice. Remember, if you are spotted driving with snow on your car, you could face a fine. Bonus tip: If you don’t have to worry about snow and ice because you have a garage, always pull your vehicle out of the garage before warming it up. Otherwise, you could suffer from carbon monoxide poisoning.

Fill Up Your Gas Tank

The last thing you want in the middle of winter is to run out of gas. Always make sure you have more than enough gas to get you where you are going and then some in order to avoid being stranded in below-zero temperatures.

Adjust Your Driving to Suit the Weather

Adjust your speed in snowy, icy, or reduced visibility conditions. Keep at least two car lengths away from other vehicles on the road. Never slam on the brakes when it’s snowy or icy; instead, pump them so you stop quickly, but don’t slide. Cars with a standard transmission can safely slow down by downshifting the gears, especially when driving downhill in the snow. Avoid feathering the clutch or you could send yourself into a skid. One last tip: never use cruise control on slippery roads.

Take Corners Slow

Snowy and icy roads can make turns more dangerous. Be sure you don’t brake hard or accelerate on corners. If you feel yourself sliding, ease off the brakes and keep your steering wheel pointed towards the place you need to go.

Know How to Correct a Skid

It can be easy to panic when you go into a skid. However, the trick is to stay calm and know how to regain control. If you go into a front-wheel skid, ease off the gas and give your tires a chance to steer the car. Don’t touch the brakes or gas pedal, and steer the car in the direction you need to go. Don’t accelerate until you are clear of the slippery spot. On uncleared roads, brake lightly, keeping your steering wheel straight. Back-wheel skids also require you to ease off the gas. In this case, however, you need to turn into the slide using the steering wheel to help your car straighten out. Avoid over-steering when you do this, as it can make things worse. Keep calm and focus on regaining control.

Give Yourself Extra Time

When you have no choice but to head out in icy or snowy conditions, always give yourself plenty of extra travel time. Everyone is going to be driving slower, so you need to factor this in when considering how long it will take to arrive at your destination.

Watch Out for Snow Plows

Make sure you give snow plows and other road maintenance vehicles enough space. Never try to speed up and pass them, as this puts you and others in danger. In fact, driving behind them provides you with a much safer path, as the road will be cleared and sanded.

Stick to Main Roads

Main roads are cleared faster due to road maintenance schedules, as well as more frequent traffic. Stick to these roads whenever you can so you don’t wind up stuck in snow on an unplowed side street.

Keep Your Eyes Peeled

Drive with your lights on, and keep your eyes peeled. Both drivers and pedestrians are at higher risk when out in bad winter weather. For example, pedestrians have hoods on that can block their view when they step onto the street. People shoveling their driveways might not realize they’ve stepped onto the road. All of these issues can increase risk for accidents, so make sure you are noticing all types of movement so you don’t hit anything or anyone.

Plan for the Worst

Even if you are just heading to the corner store, never drive in the winter without being dressed appropriately with a winter coat, hat, and gloves or mitts. Always have the following in your vehicle:

If you get in an accident, have a flat tire, or have other vehicle issues, you can keep warm until help arrives.

What to Do If You Get Stuck in the Snow

We all face the risk of getting stuck in the snow at least once in our lives. If this happens to you, follow these tips:

Call for help and stay with your vehicle until help arrives.
Never try to walk somewhere for help in a snowstorm, as you can quickly get lost.
If trying to dig yourself out, never over-exert yourself. Take rests or call for help if your body feels it can’t handle the work.
If you have to wait in the car, first be sure you clear snow away from the exhaust, or you could suffer from carbon monoxide poisoning.
Keep your vehicle visible using flares, or even by tying a bright scarf to your car. You can also keep your interior dome light on.
Bundle up as best you can to keep warm.
Conserve gas by running the engine intermittently to keep warm.

Hopefully, you will never end up in this position by following our tips! If you would like information on the best car insurance that Ottawa has to offer, speak to our team at Oegema, Nicholson & Associates today. Call us at 613-704-7766 or contact us here.

8 Tips to Get Your Home Ready for Your Vacation

Oegema — Wed, 16 Jun 2021 10:00:00 +0000

Summer is vacation season and you deserve to enjoy it. But there’s nothing worse than coming back home after a refreshing trip and realizing that something’s amiss. More than 70 percent of burglaries happen when the resident is not home.

Here are 10 ways to protect and generally take care of your home while you’re away.

Don’t Make it Obvious That You’re Away:

There are certain sure signs that are an indicator to burglars that you’ve been away for some period of time.

If you still have a mailbox beside your door, make sure it doesn’t pile up. You can suspend your mail service with Canada Post. Ask a neighbour to round up any junk mail and community newspapers that accumulate over time.
If you’re going away for an extended period, don’t forget about the exterior home maintenance that, if not done, will make it obvious there’s no one home. Ask a neighbour or a local neighbourhood teen to take care of your lawn, shrubs or flowers. Offer to pay them – it’s worth it for your home appearance, and to minimize work when you get home.
If you plan on posting on your social media accounts about your forthcoming vacation, check your social media settings to make sure that they’re set to private.
About 30% of burglars enter homes through unforced entry – that is, unlocked doors that they simply open and walk through. Don’t forget to secure entry points to your home that you don’t ordinarily think about. Ensure the garage is locked, if you have one. Don’t forget to lock all windows if you can.
Consider installing timers on a few lights to give the illusion of activity in the home. And speaking of lighting, you might want to install a couple of motion sensor lights outside of the home, which can act as an excellent deterrent.

Other Preparations

If you have an alarm system, obviously make sure you arm it. You might also want to let your monitoring company know that you’ll be away for the specific days.
Consider turning your thermostat up to 27 degrees Celsius during the summer months, so the A/C won’t be kicking on unless it’s incredibly hot in your home.
Unplug large and/or unnecessary appliances to save on energy.

Having the peace-of-mind when you travel that your home is safe and protected will help your vacation truly feel like some “time off” from your life. This summer, be sure that even if you’re not home, it looks like you are! P.S. Need travel insurance for your upcoming trip? Get in touch with your local insurance broker today!

11 Top Boat Safety Tips You and Your Kids Need to Know This Summer

Oegema — Mon, 07 Jun 2021 04:14:00 +0000

Boating is a wonderful Canadian pastime. It allows you to get out on the water, explore the lakes and rivers, water ski, fish and more. However, as fun as it can be, it can quickly turn to tragedy if you don’t follow safety tips and laws. It just takes one wrong move to lead to a boating accident. Here we review the 11 top boat safety tips you need to know to keep you and your kids safe this summer.

1. Only operate power-driven boats with a licence

Although it might seem fun to let a friend or family member occasionally take the helm of your boat, a Pleasure Craft Operating Card (PCOC) is necessary to operate a powered watercraft in Canada. Anyone caught manning a boat without a PCOC could be fined. Be sure that anyone operating the boat has passed their boating safety test and has their PCOC handy while driving.

2. Opt for the Boating Safety Course

This course isn’t mandatory, but it just makes good sense to learn how to be safe when boating. It doesn’t take up too much time and it also helps you prepare for your licence. It’s a win-win. You will learn how to reduce risks when boating and also become a more confident boater. Your new skills can be shared with your kids, so you set a good example about the importance of water safety.

3. Follow weather reports

You know all too well that weather conditions can change in a heartbeat. Before you head out, make sure you check and follow your area weather forecasts. Keeping a marine radio on board so you can listen to the weather updates is a good idea. There are actually marine forecasts available in most areas on the water, so checking in on these channels makes sense. More importantly, make sure you understand the terms used such as “swells”, so you get a better handle on the dangers presented with the forecast. While out on the water, be sure to look for signs of changes such as the wind picking up, darkening skies or large, darker cloud banks on the horizon. A drop in temperature is also an indication of potential violent thunderstorms that can become dangerous. Always keep ahead of bad weather and head to shore at the first hint of a change for the worse.

4. Be prepared

Especially for your first trip of the season, be sure you are prepared. Begin by having your boat inspected to make sure everything is in operating condition. Do a complete check including fuel and coolant levels as well as your lights, and instruments. Don’t forget the battery! You also want to be prepared for possible breakdowns, so stock the boat with water and essentials and include the following:

Enough personal flotation devices for everyone
Food and water
Distress signals
Tools and spare parts
Fire extinguishers
First aid kit
Marine radio
Flashlight and batteries
Rules and documentation such as charts and operating manual

5. Pack navigational charts (and know how to read them)

Navigational charts are very important if you are heading into an area you aren’t familiar with. They not only make navigation safer but are also required by law. The charts help you understand what lies below, such as water depths and formations that could cause an issue if you run into them. Consider taking a course to have a better understanding of navigational charts or research them online.

6. Leave the alcohol at the dock

A good rule of thumb when boating is water on the water and beer at the pier. In other words, when you are out boating, choose non-alcoholic drinks and save enjoying a beer or glass of wine for when you are done boating for the day. Close to 65% of boating-related deaths are related to alcohol consumption, so why tempt fate? Add the heat of the sun and constant motion of the boat to being a little tipsy and the effects are amplified. If this isn’t enough of an incentive to avoid alcohol, remember drinking and boating is against the law and comes with some very unpleasant consequences.

7. Use common sense

Always remember the water is there for everyone to enjoy. Your reckless behaviour could not only ruin other people’s enjoyment of the water and docks but also put you and others at risk. Apart from not drinking and boating, make sure to always practise the safe operation of your boat. Don’t try to deliberately spray other boaters or people on docks as you pass them, and never jump the wake created by other boats. Operate with caution in crowded areas and slow down if you experience low visibility. What might seem fun to you could lead to tragic circumstances you literally leave in your wake, without even realizing it.

8. Share your plans

Never head out on the water without informing someone on shore you are going for a boat ride. Even simple little spins around the lake should be shared with someone staying behind, your marina staff or if you are alone at the cottage, a family member or friend. If you don’t do this, no one will know you are in danger and a search won’t be planned if things should go wrong. This includes trips with others. Provide your boat details, how many people are joining you and their names, as well as contact information for everyone. If you veer off from your planned destination, try to get that info to someone on shore as well as an estimate of how much longer you might be out on the water.

9. Become a strong swimmer

If boating is part of your life, swimming is a must. Although you have to wear a lifejacket, falling overboard can be scary and frankly, most people don’t necessarily wear their life jackets on boating trips. Being a strong swimmer and making sure your family members can swim is the best way to avoid tragedy.

10. Learn proper boating emergency procedures

Accidents can happen in a second. Being prepared with a clear understanding of how to react during a boating emergency can save lives. Be sure you know how to manage the following:

There is a Boating Safety Guide available through Transport Canada that is a boater’s best friend. It includes everything you need to ensure your summer is safe.

11. Have proper boating insurance

Last but not least, always be certain you have proper boating insurance before heading out on the water. If you would like more information about boat insurance in Ottawa, call Oegema, Nicholson & Associates at 613-704-7766 or contact us here.

How to Drive Safely in the Spring

Oegema — Mon, 24 May 2021 09:28:00 +0000

The spring introduces new risks for drivers when out on the road. From adjusting to daylight saving time, to the increased risk of sudden weather changes from warm to cold temperatures that can create road hazards, spring driving takes some special care and attention. You’ll also encounter more people out and about such as cyclists and joggers as the weather improves, thus presenting an additional risk. Let’s look at the increased risks and how to drive more safely in the spring.

Watch for Pedestrians

With longer days thanks to daylight saving time and warmer weather, more people will be out and about later in the day. Therefore, you need to keep your guard up to avoid unexpected pedestrians. From kids who can kick a ball into your path, to runners training for their next marathon, and people out for a stroll deep in conversation to those hoofing it with their iPods blaring, people can become a little more unpredictable in the spring. While watching for pedestrians should always be top of mind when driving, this is the time of year when those travelling on foot might not be as aware of drivers.

The Return of Motorcyclists

Along with more foot traffic, you’re also going to encounter more riders finally out enjoying their motorcycles after a long hibernation over the winter. It can be a surprise to spot your first rider in your rearview mirror, so keep in mind they are going to be back out there sharing the road. Because it can be hard to predict when they might accelerate faster or even have them seem to appear out of nowhere, knowing they are back on the roads can make it easier for you to become hyper-aware they could pop up in your blind spot when you change lanes.

Share with Cyclists

Cyclists will also start to appear in larger numbers as the weather improves. Play close attention when making a turn to check for cyclists in your rearview mirror. Also, if you do pass a cyclist, make sure you check every once in a while to see where they are, as they might come up fast if you are deciding to make a turn. Intersections can also be dangerous for cyclists, so be sure you are slowing down just in case a cyclist makes a turn and isn’t paying attention.

More Wildlife

Motorcycles aren’t the only critters coming out of hibernation. Be aware that there will be more wildlife on the prowl, especially when driving at night. Dawn and dusk are typical times when all kinds of animals are looking for food, from racoons to foxes and coyotes. Also, remember it’s not just in rural areas that these animals can be encountered; even deer can be spotted on urban roads or roadsides where there is a shelter of trees or a meadow.

Winter Sand

In early spring, you can also encounter leftover winter sand used to reduce friction for icy, snowy roads. This can cause an issue when roads are dry, as it takes more distance to brake. If you notice you are driving on a sandy road, make sure you are braking earlier and more gently to avoid skidding.

Winter Tire Changes

Since the weather can be so unpredictable, avoid changing your winter tires too soon. You don’t want to be that guy who finds themselves slipping and sliding about in the last snowfall because they had their tires changed in March! Also, don’t drive with your winter tires on too far into the spring either, as this can wear down your winter treads.

Extra Driving Time

Since spring tends to be the season with the most unpredictable weather, be certain you watch the weather report before heading out. You want to know if extra driving time is required, but also if you can expect sudden freezes that could make risk for black ice higher.

Pothole Risks

The harsh winter weather tends to leave a mess of potholes on the roads. Make sure you are travelling at a safe speed so you can steer clear of potholes. This way, you avoid creating an accident, while also avoiding damage to your car. Keep in mind that damages caused by a severe pothole are paid for by the city, so be sure to report accidents right away.

Softer Shoulders

Winter weather can make gravel shoulders softer due to snowmelt and runoff. If you find that you have to pull over onto a shoulder, do so slowly and carefully, so you avoid getting stuck.

Construction

You know the old joke that there are only two seasons in Canada: winter and construction? Well, it tends to be true! Be more aware of possible road closures, lane shortages, equipment, etc. related to road construction, as more workers will be on the roads with the increase in projects.

Get a Spring Tune-Up

Since you have to get your winter tires removed, consider arranging for a spring tune-up at the same time. The winter roads wreak havoc on your vehicle. A thorough check of your vehicle with special attention to your fluid levels, brakes, lights, and wiper blades will ensure you are ready to hit the road safely. Also, don’t forget the possibility of rust. Salt is infamous for rusting vehicles, so have your mechanic do a spot check for rust before it can spread.

Summer Car

If you have a cherished summer car that you save for the lazy, hazy days of summer, then it needs a road test and maintenance check as well. Things that can really lead to dangerous driving include your tire pressure, brakes, and fluids. Your battery could also be in jeopardy after sitting unused for the season.

Looking for Auto Insurance in Ottawa? Contact us!

Make a call to your insurance broker to confirm your Ottawa auto insurance is in order. It gives you peace and mind, and might even lead to some opportunities for a better package or improved premiums. You can also discuss some possible upgrades to your coverage such as collision or comprehensive coverage. The team at Oegema, Nicholson are here to help you put together the best possible auto coverage for your needs, so speak to us today.

How to Ride Your Motorcycle Safely (and Still Have Fun!)

Oegema — Mon, 19 Apr 2021 11:19:00 +0000

Living in a city is generally great, but unfortunately it’s not always the best place to ride a motorcycle year-round. Now that spring is in the air, you may be looking forward to getting your motorcycle out of storage and getting out on the road. While we don’t want to discourage you from riding your motorcycle or having fun, we want to encourage you to ride it safely. These are the most important things you can do to make sure that you’re riding your motorcycle safely:

Inspect your bike.
Have the essential protective gear.
Check the weather forecast.
Be aware of driving hazards.

You also need to make sure that your motorcycle insurance is up-to-date and provides the coverage you need.

Inspect Your Bike for Any Issues

Whether you haven’t ridden your bike in a while or are out on it regularly, it’s essential to inspect your bike for any issues before you take it out on the road. You should:

Regular care and maintenance are essential to keep your bike in good working order. Don’t put off things like oil changes, checking your tires and brake pads and making sure there are no issues with your chain or suspension. If you do find problems, have the affected part repaired or replaced promptly.

Make Sure You Have Essential Protective Gear

While it may be tempting to just hop on your bike and go out in whatever you’re wearing, it’s not a great idea. If you get in an accident or fall off your bike, there will be nothing to protect your skin. Before you go out on your motorbike, you should put on:

While it’s essential to protect your body, it’s critical to protect your head. Brain injuries can have a lifelong impact. So never leave home without a helmet.

Check the Weather Forecast

Another key to riding your motorcycle safely is to make sure you only ride it in fair weather. You may think that “just a little rain” can’t do any harm but, unfortunately, it can. What seems like a little harmless rain can be a lot different when you’re driving 100 km/hour. Motorcycles are not as stable as cars: your motorcycle is far more likely to slide on a wet road than a car. Plus, car drivers have windshield wipers to help them see clearly through heavy rain, something you don’t have on a motorcycle. Weather can also impact the cars around you. They will not be able to see you through torrential rain, nor will they be able to stop as quickly. So if you’re out and it starts to rain heavily, find a place to pull over until it passes.

Be Aware of Driving Hazards

While you may feel like you have more flexibility in how you drive than the cars around you, this doesn’t mean you should drive recklessly. If you are in an accident with a vehicle, chances are that you and your motorcycle will be far more damaged than the other guy. When you driving, you should always:

Make sure you leave space around you in case you need to brake suddenly.
Check your blind spot and your mirrors when changing lanes or turning a corner.
Be aware of road conditions. Potholes are quite common in spring and you could be badly hurt if you hit one.
Check for animals if you are driving at dusk. If you’re in an area where animals are known to be active at dusk, slow down and be vigilant for them.

How can Oegema, Nicholson & Associates help me with motorcycle insurance in Ottawa?

If you’re looking for motorcycle insurance, then Oegema, Nicholson & Associates is here for you. We can answer any questions you may have about motorcycle insurance, including:

What kind of coverage should I buy?
What level of coverage do I need?
How is motorcycle insurance different from auto insurance?
Can I use my existing auto insurance policy to cover my motorcycle?

We’re here to make sure that you know what a good motorcycle insurance policy should cover. At a minimum, it will cover at least some of the costs associated with damage to your bike if you are in an accident. In addition, it should also include liability protection. If you are interested in additional motorcycle insurance, we can talk to you about the following optional coverage:

We’ll make sure you get the motorcycle insurance you need at a price that works for you.

You’re All Set – for Fun and Safety!

Riding a motorcycle can be a lot of fun. The best way to make sure that it stays a fun experience is to make sure that before you set out on the road that you:

Inspect your bike to make sure it’s in good shape.
Have the essential protective gear.
Check the weather forecast to avoid bad weather.

What’s more, once you’re on the road, you need to be aware of driving hazards — anything from careless drivers to potholes. If anything does happen, we’re here for you with motorcycle insurance to help you get quickly back on the road. If you’d like to know more about motorcycle insurance in Ottawa, call Oegema, Nicholson & Associates at 613-519-2030 or contact us here.

5 Things to Do to Make Sure Your Classic Car Is Ready For the Spring

Oegema — Mon, 15 Mar 2021 05:59:00 +0000

The warmer weather is coming, which means that you can take your classic car out of storage and hit the open road. Whether you prefer to use it for a leisurely drive or you like to take it to events and show it off, it’s important to make sure your classic car is ready before you take it out in the spring. You’ve likely kept your classic car protected all winter, whether it’s in a heated garage, a storage unit, or under a heavy duty tarp. You do this because you love your classic car and want it to stay in good shape! To make sure that it is all ready before you take it out and show it off, you should do the following:

Of course, you’ll also need to check with your auto insurance broker to make sure that your insurance is up to date.

Check the Weather Forecast

As soon as you get that first hint of spring, it may be tempting to take your classic car out of storage and get rolling with it. However, as all Canadians know, spring can be deceptive. You can get a few warm days, and then be plunged back into cold, snow, ice, and sleet again! So, you need to check the long-term forecast and see when the weather’s going to be consistently warm before you take your classic car out of storage. In addition, it’s important that all the salt has been washed away from the roads, as salt can damage your car.

Make Sure the Battery Is Charged

In order for a battery to stay charged, it needs to stay active. This can be a problem, though, if you’ve put your classic car into storage for months. If you haven’t done so already, make sure your battery has a low amperage charging system attached to it; this will ensure that the battery maintains voltage on it, even when you’re not driving it. If you haven’t done this, and you haven’t started your car up sporadically to make sure the battery works, you may need to arrange to have the battery charged or replaced, depending on whether it’s dead or just low.

Do a Thorough Visual Inspection

It’s important to ensure that all the essential parts of your car are working before you take it out on the road. Just because you haven’t been driving your car doesn’t mean there hasn’t been wear and tear on the parts. Check all of the following:

Your windshield wipers. Make sure they work properly
Tire pressure. Make sure they haven’t deflated or cracked.
The wiring. Mice or other rodents may have made your car their home over the winter and chewed on the wiring.
All your hoses and belts. Check to see that they haven’t cracked.
Your lights. Be certain that there are no issues with your turn signals, brake lights, or headlights.

Check Your Fluid Levels

Another essential part of getting your car ready for spring is to make sure that all fluid levels in your car are okay. You can do this yourself or have a professional do it, depending your comfort level:

Having all of these fluids at the proper levels is essential to ensuring that your classic car runs smoothly.

Wash Your Car

You’re almost ready to take out your car, but you need it to look its best! Washing your car isn’t just important to make it look good; dirt and grime that build up on your car can also cause issues with how well it functions. In addition, you should wax your car. Not only will it make your car look great, it will also help protect its finish.

How can Oegema, Nicholson & Associates help me with auto insurance for my classic car?

You love your classic car, and you’d be devastated if anything happened to it. That’s why it’s so important that you talk to an auto insurance broker to make sure that you’ve got the right insurance coverage for it. You’ll have peace of mind while driving it that you’re properly protected, and if anything does happen, you know you’ll be able to afford to get it repaired. At Oegema, Nicholson & Associates we can shop around to make sure that you get the right price and the right auto insurance coverage for your classic car. By working with an auto insurance broker instead of just one insurance company at a time, you can not only save money on your auto insurance policy, but you can also save yourself a lot of time by not having to shop around.

Contact Oegema, Nicholson & Associates for Your Auto Insurance Needs

We pride ourselves on being an auto insurance broker that gets things right. We’ll work with you to customize your auto insurance to make sure it fits your needs for your classic car, whatever they may be. You can rest easy knowing that you have selected a great auto insurance broker to work with for your auto insurance policy! To learn more about how an auto insurance broker in Ottawa can help you, call Oegema, Nicholson & Associates at 613-519-2030, or contact us online.

What to Do if You Get in a Minor Collision

Oegema — Mon, 22 Feb 2021 11:24:00 +0000

You’re out running errands when suddenly you hear that horrible sound of metal crunching on metal. Maybe you’ve hit someone who stopped suddenly — or you’ve been hit from behind. There are so many ways to get into a minor collision. Even if the damage to your car isn’t very bad and no one is injured, it can still be a very upsetting experience. You may start worrying about how this will impact your auto insurance rates in Ottawa. The most important things to do after a minor collision is to make sure that everyone is safe and the proper steps are followed:

Stop your car.
Call the police or Ontario collision reporting centre.
Take photos.
If you can safely do so, move your car out of the way of traffic.
Record the details of the accident.
Call your auto insurance company.

Stop Your Car

It’s illegal to leave the scene of an accident. You must immediately stop your car as soon as it’s safe to do so. Turn on your hazard lights so other cars can clearly see you and realize you are not moving. Only exit your car if it’s safe to do so.

Call The Police Or An Emergency Collision Centre

Depending on the severity of the accident and the condition of the drivers, you will either need to call the police or an emergency collision centre. You must call the police under any of these circumstances:

If no one is injured, both drivers are sober, and the damage to either vehicle is quite low, then you do not need to call the police — you only need to call a collision centre.

Take Photos

If you can safely do so, exit your vehicle and take photos of the accident scene. Photos will help give a clearer picture of what happened, and where each vehicle was in relation to the other after the accident. It will also help provide a visual reference to show what, if any, damage was done to each vehicle.

Move Your Car If It’s Safe To Do So

If you can safely move your car over to the side of the road, away from traffic, then you should do so. This will help ensure that traffic can continue to move smoothly and also that emergency vehicles (if needed) can get to you more quickly. Leave your hazard lights on and pop your hood up if you can. Both of these are visual signs to oncoming drivers to let them know your car is not moving and they should go around you.

Record The Details Of The Accident

It’s important to record the details of the accident when they are fresh. You can do this manually on a notepad, send yourself an email or even leave yourself a voicemail – whatever method works best for you. Record the following information:

It may be tempting to put this off but the sooner you can record the details after an accident, the more accurate they are likely to be. You will also need to “exchange information” with the other driver. This includes:

Name, address, and phone number
Their car’s license plate, as well as its make and colour
Their insurance company and policy number
Any damage they’ve noted to their vehicle.
Any passengers in the car
Any injuries to themselves or the passengers

Call Your Car Insurance Company

Once you’ve taken care of the logistics of dealing with the car accident, it’s time to call your auto insurance company. They’ll need to know about the following details:

How can Oegema, Nicholson & Associates help me with my auto insurance in Ottawa?

At Oegema, Nicholson & Associates, we’re here for our clients — whatever their auto insurance needs may be. After a minor collision, we can talk to you about whether your auto insurance covers:

All auto insurance includes mandatory coverage against uninsured drivers — so don’t worry that you’ll be on the hook if the other driver doesn’t have insurance — we’ve got you covered. It can be scary and overwhelming to be in a car accident – even if it’s only a minor collision. That’s why we’re here to answer any questions you may have about what to do if you’re in an accident. Whether you want to know how fault is determined or what repair shops are covered by your insurance policy, at Oegema, Nicholson & Associates, we’re here to take care of all your auto insurance needs.

Always Be Prepared

If you live in a busy city like Ottawa, then you have to deal with the fact that minor collisions are just part of life. The good news is that the better prepared you are for them, the faster you can get back on the road again. To learn more about auto insurance in Ottawa, call Oegema, Nicholson & Associates at 613-519-2030 or contact us here.

3 Maintenance Tips for Keeping Your Car in Good Shape

Oegema — Mon, 08 Feb 2021 12:05:00 +0000

In Ottawa, we need our cars to be able to handle all kinds of different weather. In the winter, we have to be ready for snow and ice. In the spring and fall, we often get a lot of rainy, windy weather and our summers can be blistering hot — so you want your air conditioning to work properly. One of the best ways to ensure your car keeps running smoothly, no matter what the weather, is to make sure you keep on top of maintenance. These are the most critical things you need to check:

Another essential part of keeping your car protected is making sure you have the right auto insurance.

Inspecting and Maintaining Your Tires

Keeping your tires properly inflated and in good shape is essential. If a tire blows out while you’re driving, you could be seriously hurt. These are the most important steps to keeping your tires working properly:

Check your tire pressure monthly. Tires can lose pressure at a rate of approximately one pound per square inch of air (PSI) a month – and this rate increases in cold months. Under-inflated tires make it harder to steer your car and can even cause a tire blowout.
Check your tires don’t have any cracks or bulges – and look for punctures caused by glass or nails.
Make sure your tires are regularly rotated. By regularly rotating your tires, you are ensuring they get worn down evenly which can help extend the life of your tires.
Never overload your vehicle. If you’re going on a long trip, don’t be tempted to squeeze as much as you can into your car. An overloaded car puts added stress on your tires, causing them to wear out more quickly or even overheat.

Keeping Your Car Fluid Levels Up

You’ve probably thought about what would happen if your car ran out of oil. Have you ever thought about all the other fluids in your car you need to make sure are properly topped up or replaced? You should regularly check the following fluid levels in your car:

If any of these fluids are lower than expected, check your car for leaks. Some of these you can easily top up yourself such as coolant and windshield washer fluids, whereas power steering and brake fluids are best left to the professionals.

Maintaining Critical Car Parts

Now that you’ve checked your tires are in good shape and that your car fluid levels are all topped up, it’s time to check all the critical parts of your car are working properly. You don’t want to find out the hard way that your lights aren’t working or that your windshield wipers streak. The following critical car parts must be properly maintained:

Check your lights are working properly, especially your headlights. It’s very unsafe to drive with broken or malfunctioning lights. What’s more, you could also get a traffic ticket and an expensive fine. Replace bulbs and fuses as necessary when they burn out.
Check your windshield wiper blades. We don’t just sell auto insurance — we live here too! We know what it’s like driving through a snowstorm or trying to clean slush off your windows – you need to have your windshield wipers working properly to be able to see.
Have your car’s brake pads regularly inspected to make sure they aren’t worn out. If you hear a scraping sound while driving, this may be a sign that your brake pads need to be replaced.
Belts and hoses. These are just some of the parts that help keep your car running. They suffer wear and tear, so it’s important to make sure they are in good working order.

How can Oegema, Nicholson & Associates help me get the right auto insurance in Ottawa?

While it’s important to keep up with regular physical maintenance for your car, it’s also important to think about maintaining your car insurance too. A lot of people just stick with the same company year after year without shopping around to see if they can get a better rate. Or they don’t contact their current company when they may be eligible for a new discount. At Oegema, Nicholson & Associates, we’re here to get you the right auto insurance. We’ll work with you to put together a customized insurance package that suits your needs. We can talk to you about:

What’s mandatory and what’s optional when it comes to car insurance. We’ll discuss what types and amounts of coverage are best for you.
The kinds of discounts we can offer you. Don’t drive very often? We have a discount for you. Want to insure more than one car? There’s a discount for that too! We even offer discounts on your insurance for installing winter tires.

When it comes to auto insurance, we’ve got the coverage you need!

Keep Your Car Ready For The Road

You want your car to be ready for Ottawa weather — when it’s rain, snow, sleet or sunshine! To ensure that your car is always ready to hit the open road, no matter what the weather, we’ve made a list of the most important things to maintain:

We’ve also talked about how important it is to maintain your auto insurance in Ottawa. Make sure you’re paying the right price for auto insurance coverage. For more information on auto insurance in Ottawa, call Oegema, Nicholson & Associates at 613-519-2030 or contact us here.