The ABCs of Air Bag Safety

 According to the National Highway Traffic Safety Administration (NHTSA), an airbag propels out of a dashboard at 200 miles per hour – faster than the blink of an eye. Though they are designed to absorb the impact of a crash for adult motor vehicle passengers and drivers, children can suffer major injuries from an air bag.

Air Bag Safety Recommendations

To keep children injury-free while riding in your car, consider these safety recommendations:Carseat

  • Place small infants in rear-facing child safety seats in the backseat. According to the American Academy of Pediatrics, babies properly buckled in a rear-facing car seat in the back of a vehicle are just as safe as if they were placed in a crib to sleep.
  • Place toddlers over 1 year old and at least 20 pounds in forward-facing convertible safety seats in the backseat of the vehicle. Since these seats would situate the child several inches closer to the dashboard, they pose a risk for air bag injuries if they are placed in the front seat. Therefore, they must be placed in the backseat only.
  • Place children who have outgrown convertible safety seats but do not fit correctly with a lap/shoulder seat belt in a car booster seat in the back seat of the vehicle.
  • Children under age 12 should ride in the backseat of the vehicle with a seat belt securely fastened.

If you must ABSOLUTELY seat children under age 12 in the front seat, conduct the following safety precautions to reduce their risk of injury:

  • Restrain children in a safety seat appropriate for their age.
  • Push the seat all the way back to provide as much distance between the dashboard and the seat as possible.
  • Require that children sit with their backs firmly pressed against the seat. Do not allow them to wiggle or lean forward.
  • Tighten the seat belt as much as possible to reduce their movement in the event of a crash.


Words of advice for adult passengers: Do not solely rely on air bags to protect you in a crash. Use both your shoulder and lap belt to buckle up as well. The lap belt should fit under your abdomen and across your hips. The shoulder strap should come over your collarbone and cross over your breastbone.

Hurricane Preparation at Home

Fitem14848rom June through November, hurricanes are at their peak. During a hurricane, heavy rains and catastrophic winds barrel through coastal areas and can severely damage or destroy homes and businesses. To help you plan and remain safe at home during these potentially deadly storms, follow these safety tips.


During Hurricane Season

  • Plan evacuation routes and designate a “post-disaster contact person” that family members know to call once the storm is over.
  • Stock up on items such as bottled water, canned goods, manual can/bottle opener, flashlights, battery-operated radio, nails, tarps and plywood.
  • Keep an up-to-date log of all of your possessions with photographs and videos, and review your home insurance policy.
  • Trim your trees and shrubs to minimize damage.

When a Hurricane Threatens

  • Cover windows and doors and secure outdoor furniture.
  • Make sure you have three gallons of water per family member.
  • Refill your prescriptions, fill up your car with gas and withdraw a week’s worth of cash since power outages may interrupt these services temporarily.
  • Place important, valuable papers such as your log of possessions in waterproof bags.
  • If you live in a trailer home and are told to evacuate, do so immediately.

During a Hurricane

  • You should have canned food for at least three days and a can opener.
  • Listen to your battery-operated radio for instructions from the local authorities on evacuation and safety guidelines.
  • Seek shelter in an interior room away from windows, such as a closet. If you hear the winds subside, do not assume that the storm is over. The calm may be the eye of the storm, in which the worst part is yet to come.
  • If the electricity goes out, use a flashlight to see; do not use candles.

After a Hurricane

  • Make sure you have pet food and supplies for three days.
  • When inspecting your home for damage, wear sturdy shoes and clothing as protection.
  • Contact a trained expert to turn off damaged utilities and appliances instead of trying to do it yourself.
  • Drink only bottled water until tap water is deemed safe.

Stress-Free Traveling is Not a Myth

ImageSpring Break is finally here. You have made your airline reservations, the bags are packed, the family is in the car and you are on your way to the airport.  You cannot wait for that fantastic trip to the exotic locale your family has dreamt about all year.  You get to the airport and everything is great…. however, as you are attempting to catch the next flight on your itinerary, your flight is delayed – now what?  After much hassle, headache and general hysteria, your flight is ready to go.  You finally arrive at your paradise destination only to find that your bags have not arrived and will not be arriving any time soon…if at all.

As much as we may hate to admit it, these kinds of things and more can happen and are pretty much unavoidable. But, did you know these issues can be handled before you make any travel arrangements?

Below is a list of ways travel insurance can set your mind at ease and allow you to enjoy your trip:

  • Paying for missed flights or finding replacement flights
  • Reimbursement for lost luggage
  • Emergency prescriptions and local doctor recommendations
  • Replacement of lost or stolen items
  • Medical treatment and evacuation
  • Reimbursement for non-refundable expenses
  • Reimbursement due to inclement weather

If you have questions about travel insurance, contact Rose Marshburn at or call (910) 455-7576 and ask for Rose.