HOW CAN WE HELP YOU?

call-iconClick to Call
Curtis Miller Insurance Agency

1800 Blizzard Drive
Parkersburg, WV 26101

map-iconGet Directions

Do You Need Special Coverage if You Use Your Car For Work?

Your car is often the only way that you have to get to and from work and in some cases, you may need to use your car for business. In these cases, you need to approach your insurance a bit differently that you would with a personal auto policy. For those that are in the Parkersburg, WV area, the agents with Curtis Miller Insurance can help you find the policy that fits your needs.

In most cases, if you are using your car for business you are going to be covered on your own policy with no problems. The real issue lies in how much you use your car for work. If you used your car one day last year for a work related venture, you do not need special insurance. If you used your car multiple times for work however, it may be beneficial to look into a commercial or business auto insurance policy.

Some companies do offer an option on your normal policy where you can cover your car for work related use but this varies from insurance company to insurance company. You should take the time to read the fine print of your policy carefully so that you can determine just what your policy covers.

In many cases, you are not going to have to use your car for work but in some cases, if you are using it for work you may be covered on your employer’s policy. In this type of instance, it is best to talk to an insurance professional that can help walk you through each and every step to make sure you are fully covered no matter what.

If you are in or around the Parkersburg, WV area, the agents with Curtis Miller Insurance can better explain just what you policy covers.   

4 Tips to Help Avoid Road Rage

Traffic in Parkersburg, WV is growing fast and the traffic volume is outgrowing the roads faster than expected. Unfortunately, with large volumes of traffic, comes traffic jams and accidents. Between the stop and go traffic, excess noise and impatient drivers, the result is often road rage. Road rage occurs when a driver becomes the victim of dangerous behaviors from another driver. Road rage can vary from being cutoff by another driver to being physically assaulted by an angry driver. So, what can you do to avoid road rage?

Common Causes of Road Rage
There is no way to predict why road rage may happen or when it may happen, but there are several reasons why drivers get frustrated with another driver, including:

  • Speeding
  • Tailgating
  • Using a cell phone while driving
  • Eating or doing other multitasking while driving
  • Slamming on the brakes
  • Not using a turn signal

How to Avoid Road Rage
Regardless of how cautious of a driver you are, there is a risk of inciting another drivers road rage. If you find yourself encountering an aggressive driver, first and most importantly, do not panic. Panicky drivers can ultimately end up driving erratically and worsen the situation. Instead, continue to follow all of the rules of the road. If the road raged driver remains aggressive, the following four tips may help you avoid a confrontation:

  1. When driving in the left lane, drive with the flow of traffic or pull over to the right lane if you do not want to drive that fast, let those who are in a hurry pass you.  
  2. If you are being tailgated, when safe to do so, pull over to the other lane and let the tailgater pass.
  3. If you accidentally cut another driver off and force them to hit their brakes or pull away to avoid an accident, make sure you show signs of apologies. This will help take some of the stress out of the situation.
  4. Always use turn signals when changing lanes or making a turn.

Keep in mind that these are only a few suggestions of how to reduce the risk of road rage. It is important that you be aware of your surroundings and avoid driving too defensively and slow. Being a defensive driver is a good thing, but if you are overly cautious by driving too slow, it can block the flow of traffic, which may increase your stress, as well as the stress of other drivers.

Each time you get in your vehicle, the most important thing you can do is make sure you have sufficient insurance. Parkersburg, WV drivers contact Curtis Miller Insurance for a new insurance policy or to review your current policy.

  • Dairyland
  • Encova
  • Encova
  • Farmers & Mechanics
  • Hagerty
  • Motorists Mutual
  • Municipal Mutual
  • Progressive
  • Safeco
  • West Virginia National Auto Insurance