Before you walk out your door or get in the driver's seat, make sure your house and car are protected by Hastings Mutual insurance. The safer you are, the more you'll save.
Select Homeowners Policy Types
Special Form (HO-3): This covers a house and property from 16 different perils, including but not limited to:
Contents Broad Form (HO-4): Coverage for tenants like apartment renters.
Unit-Owners Form (HO-6): For condominium owners.
Covered Vehicle Types
Sometimes it feels like you can’t help it. Someone is driving slowly in the fast lane, or they race through a red light when you’re about to make a turn. You make an angry gesture and slam on your horn. Watching the news that night, you see a startling report about a driver who actually got out of his car to challenge another driver.
A 2016 AAA study found nearly half of all drivers yelled or honked at another driver during the year. More than half of all drivers purposefully tailgated another driver. Three percent deliberately used their car to hit another car on the road.
Road rage is dangerous for drivers and passengers, and it has an impact on insurance, too: we don’t offer liability coverage for intentional acts that cause bodily injury or property damage. You can talk to your independent insurance agent about exactly what is covered, but unsafe driving is not something we want to encourage.
What can you do to reduce road rage in yourself and others? Staying away from drivers with dangerous behavior is a start. Yes, someone might get ahead of you on the highway or skip a stop sign, but the alternative could be getting into an expensive, life-threatening accident.
Staying calm on the road is helpful too. Remembering the risks of road rage can help keep you from getting angry and aggressive.
Next time you’re in your car, think about the other drivers around you — and what you can do to keep everyone safe on the road.
Talk to your independent insurance agent for a quote on coverage, and for more details on what Hastings Mutual can do for you.