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8 Clever Safety Tips to Keep Your Child Safe In and Around Cars

You’ve done your research on keeping your child safe inside your car and buckle him or her in each and every time. You hunted for the safest vehicle for a family when you began your family, and you’ve researched and found which car seat works best for you and your family. You’ve done your homework and strive to make traveling with your child safer.

But did you know that other dangers in and around your vehicle could seriously harm your child?

Non-traffic incidents, meaning anything that occurs off public roads or highways, can be quite deadly for your child. These risks include accidents such as back-overs and front-overs, heat stroke, power window incidents, and trunk entrapment.

You might believe that these incidents could never happen to you and your family, but in today’s busy world, it’s so easy to become distracted, and unfortunately, bad things can happen accidentally.

Keep your child safe with our basic safety tips below!

Know Where Your Child Is Always – Never leave children alone in or around cars, not even for a minute. Small children can be within eyesight one second and gone in the next. Sometimes this is behind a parked vehicle or even inside of a trunk. Keep an eye on your child at all times, especially near vehicles.

Lock It Up – Keep your vehicles locked at all times, even if they are in the garage or driveway. This will prevent your child from accidentally climbing in any parts of your vehicle without your knowledge. Always set your parking brake, too, to keep your vehicle stable.

Keep Keys Out of Their Reach – Keys and remote openers to the cars should never be left within the reach of children. Place your car keys hanging on a hook on a wall well out of the reach of your child for safe keeping.

Check the Vehicle Upon Arrival – Make sure that all child passengers have left the vehicle after it is parked, especially on hot summer days. Accidentally leaving a child in the car in virtually any sort of weather can be very detrimental to their health and can cause serious injury or even death.

Take Extra Care During Busy Times – It’s so easy to become frazzled and distracted during busy times. Please be sure to take extra care in keeping children safe in and around cars during busy times, schedule changes, and periods of crisis or holidays.

Check the Cars First – When a child is missing, check vehicles and car trunks immediately. If they happen to be inside a car, they might not be able to get out, so please be sure to check your vehicles first if you cannot locate your child readily.

Get Involved – If you happen to see a child alone in a vehicle, get involved. If the child is hot or seems sick, get him or her out as quickly as possible, no matter what. Call 911 or your local emergency number immediately. Remember, cars and car parts can be replaced, but a life cannot.

Stow Reminders in the Back Seat – Put something you’ll need such as your cell phone, handbag, or brief case on the floorboard in the back seat. Get in the habit of always opening the back door of your vehicle every time you reach your destination to make sure no child has been left behind. Soon enough, it will become second nature to check the back of your car!

Need any further tips? Want to chat about insurance options? Call the experts at Madison Mutual at 1-800-766-MMIC or visit us online at www.madisonmutual.com to see what we can offer to you!

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5 Easy Ways to Secure Your Home Against Thieves

Summer is coming up very quickly, and that means it’ll be time once more for some great barbeque parties with friends, vacations to exciting places, and leisurely times in the sun. It can be a total hassle to have to lock up your home every time you need to go uptown to the store to grab that bottle of A1, but it’s crucial to protect what is yours, especially in times of relaxation and sunshine.

While there is no sure proof method for securing your home against burglars, there are a few simple actions you can take to deter a criminal from choosing your home as their target. Read about these 5 easy tips below!

Use Your Locks – According to the Bureau of Justice Statistics, 40% of all break-ins are not forced. That means that the burglar was able to walk, climb, or crawl to get inside a residence almost half the time! Prevent a break-in from happening by locking all of your entryways such as your windows and doors. Pay special attention to your sliding doors as well. Some older sliding doors can be popped off their frame, even when locked. Take a steer bar or a 2×4 and slide it into the back groove of the door to keep it secure.

Maintain a Presence – Sometimes thieves are deterred from a home because it looks like someone is home. That doesn’t mean you can’t leave your home at all! Simply make it look like you’re home, even when you’re not. Leave your lights and television on when you’re out. If you’ll be gone for an extended period of time, invest in a timer device to turn on and off the lights to further simulate your presence.

Don’t Leave a Spare Key Out – Thieves are good at guessing your hiding spot, no matter how clever you think your hiding spot is. If you need to leave an extra key out, try leaving it in your wallet, a very trusted neighbor, or a close-by family member or close friend.

Secure Your Yard – Take a careful look at your landscape the way a burglar would. Are you unwittingly providing a hiding place for criminals? Trim back your greenery, particularly low shrubs in front of first floor windows, and trim any tree limbs that reach upper story windows!

Prepare Before Vacation – If you’re going to be gone for extended periods of time away from home, let the police know and request that they drive by your home on a daily basis until your return. Ask a trusted neighbor to keep a watchful eye on your home while you’re gone. Finally, hold your mail at the post office since piles of mail on your front porch are sure signs to burglars that the home is empty. Read more vacation prep tips here!

Have questions about keeping thieves out of your home? Need home insurance? Call the experts who care – Madison Mutual Insurance Company! You can reach us at 1-800-766-MMIC or visit us online at www.madisonmutual.com to see how we can better serve and protect you!

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5 Ways Madison Mutual Cares Like Your Mom

Mothers have a tough job in raising a child. It can be a very frustrating venture full of sleepless nights, spontaneous messes, and chaotic times. However, being a mother is the most important job, and it is also a very rewarding job. You get to see your child grow, learn, and apply all the things you have taught him or her to situations in real life.

We at Madison Mutual may not all be mothers in real life, but we feel as if we can apply many of these motherly feelings to how we feel about and treat our policyholders. In light of Mother’s Day this weekend, we have gathered 5 ways that Madison Mutual cares about all of our policyholders as if we were their moms! Check them out below!

We Want to Protect You and What’s Yours – Moms will do anything to love and protect their children. We want to do the same and protect all that you call yours, whether it’s your vehicle, home, farmland, valuables, or anything else you want insured. We will do what it takes to make sure that everything is properly protected, especially in times of emergency and disaster.

We Want to Give You What You Want – While not always relenting to this desire, mothers tend to want to spoil their children and give them the world. We want to do the same for our policyholders! That’s why we allow you to tailor your insurance policies with us to suit your every need and wish.

We’re Here for you When You Have Questions or Concerns – Children might ask a lot of questions, especially the question, “Why?” No matter what kind of question you might have about your insurance policies, be assured that our knowledgeable and caring agents will take the time to answer your questions and put you at ease.

We Give You Well-Earned Breaks – We want to give you breaks when you definitely need or warrant them. That’s why we provide several types of discounts in our insurance policies! You can check out our website to find out more or call your agent to see how we can give you a discount.

We Want to Know What’s Going on in Your Life – Just like a mother, we want to know about that new ride of yours or that great little sunroom you just added to your home. Why? First of all, we are genuinely excited for you! Secondly, telling us these details helps us tailor your insurance plans to make sure that you and yours are properly protected! So be sure to tell us if there are any changes going on in your life (even if you have a new haircut and just want to tell someone)!

Want to be under the protection of an insurance agency that truly cares about you? Then call Madison Mutual at 1-800-766-MMIC or visit our website at www.madisonmutual.com!

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9 Dos and Don’ts After an Auto Accident

Automobile accidents happen to the best of drivers, and the moments following an accident can be very emotional and confusing. No matter how good of a driver you are, it’s smart to be prepared for an accident to happen – after all, anything can happen!

The data you collect and the statements you make or don’t make will affect your insurance claim outcome. To help you through this process, we’ve developed of lists of dos and don’ts for you in the event of an accident. Check out our list below!

DO Get Medical Attention – Injuries need to be tended to first. If you or your passengers are injured, concern yourself with getting the medical attention that is required. If no one is injured, still consider seeking medical attention. You might not be hurt now, but you could be worse in the next few days, weeks, or even months.

DO Ensure Your Safety – Take a few moments to assess and address the situation. Are there any other immediate dangers such as fire or oncoming traffic around you? Secure your safety and the safety of your passengers right away.

DO Call the Police – With a small amount of damage, it’s tempting to skip this step, but doing so can be quite foolish. The police are there to sort out everything and to gather all the necessary information, including insurance details. Even in small accidents, relying on the “promise” of the other party to take care of everything is pretty risky.

DO Collect Detailed Facts – As the situation begins to settle, take time to record important information about the accident and about those involved at the scene, including:

*Other drivers’ names, contact information, and insurance details, including insurance carriers.

*Contact information for all passengers and witnesses.

*Details about all the vehicles involved including model, make, color, license plate numbers, and year (if possible) along with a description of damage.

*The name, badge number, and report number from the officer in charge at the scene.

DO Take Photos to Document the Scene – For many, that means utilizing the camera in your phone. If that isn’t feasible, then simply keep a disposable camera in your glove box and use that if an accident occurs.

DON’T Sign Documents – The only exception is if it’s for the police or your insurance agent.

DON’T Take the Blame – Be polite, but don’t tell anyone the accident was your fault, even if you believe it was your fault. That is for others to decide.

DON’T Discuss the Accident with Other Drivers – Refrain from discussing the accident in-depth with the other driver or drivers. Just state the facts and limit your discussion of the accident to the police and your insurance agent.

DON’T Leave the Scene – If at all possible, don’t leave the accident scene before the police and other drivers do, just in case you need to receive or provide additional information.

Want to find out more about auto insurance from Madison Mutual? Please contact your independent agent or call us at 1-800-766-MMIC or visit www.madisonmutual.com!