At Neser Insurance we care about you! Please find a list of our Companies Claims Numbers at our website. www.NeserInsurance.com and please call us if you need us.
757-483-2376. We hope and pray for all of you in the path of Hurricane Sandy that you are safe.

There is never a time when we face bad weather that Eddie and I don't worry about our family, friends, and our customers. We pray for the next few days that we hear everyone is ok. Being in the business we are in there are times we have to deal with hearing about accidents where people do not survive, serious injuries, and children who are hurt or pass. It is the worst part of our jobs. Please trust your instincts when heading out in bad weather, do not drive when you are tired, or drive if you are impaired. Not only can you be injured but you may hurt someone else. 

Sue Neser at Neser Insurance: Free and Inexpensive Things to Do in Hampton Roads Virginia

Sue Neser at Neser Insurance: Free and Inexpensive Things to Do in Hampton Roads Virginia

http://www.cnic.navy.mil/navycni/groups/public/documents/document/cnicp_a267741.pdf

 

Free and Inexpensive Things to Do in Hampton Roads Virginia

 

Click on Link Below

http://www.cnic.navy.mil/navycni/groups/public/documents/document/cnicp_a267741.pdf

Top Stolen Vehicles

1. 1994 Honda Accord midsize
2. 1998 Honda Civic compact
3. 2006 Ford F-150 pickup
4. 1991 Toyota Camry midsize
5. 2000 Dodge Caravan minvian
6. 1994 Acura Integra compact
7. 1999 Chevrolet Silverado pickup
8. 2004 Dodge Ram pickup
9. 2002 Ford Explorer SUV
10. 1994 Nissan Sentra compact

Virginia's Insurance Requirements

Insurance Requirements

To purchase license plates or decals, you must certify that the vehicle is covered by the minimum insurance requirements or pay the uninsured motor vehicle fee. Insurance requirements also apply to antique motor vehicles. Your insurance carrier must be authorized to conduct business in Virginia.
Virginia requires the following minimum coverage:

• Bodily injury/death of one person $25,000
• Bodily injury/death of two or more persons $50,000
• Property damage $20,000

The $500 Uninsured Motor Vehicle (UMV) fee, which is paid to the Department of Motor Vehicles (DMV), does not provide any insurance; it only allows you to drive an uninsured vehicle at your own risk. It expires with your registration and must be paid at renewal.
Note: If liability insurance coverage on a vehicle terminates or cancels during the registration period, either reinsure the vehicle, pay the uninsured motor vehicle fee, or surrender the license plates to DMV.
Self-insurance or Surety Bonds are special options for owners of business vehicles. Details are available at any DMV office.

Penalties

Vehicle owners who are uninsured or have not paid the UMV fee will have their driving and vehicle registration privileges suspended. To be reinstated, they must pay a $500 statutory fee, file a Financial Responsibility Insurance Certificate (SR-22) with DMV for three years, and pay a reinstatement fee, if applicable.

Verification of Insurance Coverage

DMV monitors insurance coverage through our Insurance Verification Program.
Insurance carriers provide DMV with electronic updates of insured information and vehicle description when they cancel, add and write new coverage for motor vehicles registered in Virginia.
DMV verifies that motor vehicles are properly insured by comparing vehicle registration information on file at DMV with liability information on the owner and vehicle transmitted to DMV by the insurance carrier. If no insurance is found, DMV requires the motor vehicle owner to furnish the liability insurance information to DMV for verification.

VIRGINIA'S CHILD RESTRAINT DEVICE LAW

VIRGINIA'S CHILD RESTRAINT DEVICE LAW
(Code of Virginia Article 13 - Section 46.2)

The major requirements of Virginia's Child Safety Seat Law:

• Child restraint devices are required for children through the age of seven (until 8th birthday). Safety seats must be properly used and approved by Department of Transportation standards. There is no height or weight requirement associated with this law. The Virginia law is based solely on age.
• Rear-facing child restraint devices must be placed in the back seat of a vehicle. In the event the vehicle does not have a back seat, the child restraint device may be placed in the front passenger seat only if the vehicle is either not equipped with a passenger side airbag or the passenger side airbag has been deactivated.
• Children can no longer ride unrestrained in the rear cargo area of vehicles.
• The law applies to anyone (i.e. parents, grandparents, babysitters, friends) who provides transportation for a child in any vehicle manufactured after January 1, 1968. Public transportation (taxis, buses), regulation school buses, and farm vehicles are exempted.
• The child restraint law is primary enforcement -- no other violation need be committed prior to ticketing for failure to have a child in an approved seat.
• A $50 civil penalty fine is imposed for failure to have a child in a child restraint device. Any person found guilty a second or subsequent time, on different dates, will be fined up to $500. An additional $20 civil penalty fine is assessed when persons transporting a child exempted from this law due to medical reasons do not carry a written statement of the exemption. All fines collected go into a special fund to purchase safety seats for low-income families.
• There are assistance programs for low-income residents who cannot afford a safety seat. Contact Virginia Department of Health, Division of Injury and Violence Prevention at 1-800-732-8333 for more information.

VIRGINIA'S PASSENGER SAFETY BELT LAW
(Code of Virginia Article 12 - Section 46-2)

The major requirements of Virginia's Child Safety Belt Law:

• Children age 8 through age 17 (until age 18) must be belted correctly in vehicle safety belts, in vehicles manufactured after January 1, 1968. Exemptions are taxicabs, school buses, executive sedans and limousines.
• This safety belt law is primary enforcement -- no other violation need be committed prior to ticketing for failure to have a child correctly buckled up.

VIRGINIA'S PICKUP TRUCK LAW
(Code of Virginia Section 46.2 - 1156.1)

• No person under age 16 shall be transported in the rear cargo area of a pickup truck.
• There are exemptions for certain parades and farming operations.

Checklist to help you prepare for severe Weather

 

 

Our safety checklist includes some of those items you may not have thought of.

• First-aid kit
• Water bottles and some sealed nonperishable food that won’t need cooking
• Heavy blanket or tarp. Use it as protection and cover during the storm and to help cover up damage afterward.
• Battery or crank-powered flashlight for each person, with fresh extra batteries (no candles or matches in case of a gas leak)
• Battery or crank-powered radio, ideally with the official weather bands
• Bike helmets for each person
• Car charger for each kind of cellphone you own. If the power is out and your car is lost, you can plug into another vehicle.
• If you back up your computer to an external hard drive, store the drive in your safe room and not in the room with your computer.
• Box of large heavy-duty plastic garbage bags
• Roll of duct tape
• A set of dry clothing for each person, stored in sealed plastic bags
• Bug repellent and sunscreen
• Personal hygiene items such as hand wipes and toilet paper
• Leashes or containers for pets
• Key personal documents in a watertight container
• As needed: spare set of glasses, contact lens solution, a couple of days’ worth of prescription medication, hearing aid batteries
• If you have kids, add one durable, small, nonelectronic toy or activity for each to use after the storm. Think a coloring book and crayons.
• If you own a smartphone, load apps or bookmarks for your bank, insurance company, Red Cross, FEMA, the website of the local office of the National Weather Service and local news outlets including The Dallas Morning News.