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Although snow can make winter driving difficult, it's not the real threat. Icy roads are one of the top causes of car accidents in the United States, and cause hundreds of deaths each year. It's easy to lose control of your car when the roads are icy, and is difficult to gain control again. There aren't any fool-proof ways to avoid black ice, but you can certainly protect yourself by understanding and knowing how to deal with this seasonal issue! Know where to expect black ice Black ice is generally formed when a light rain or drizzle falls on a road surface that is below freezing, and is most common at night or in the early morning when temperatures are at their lowest. Maine's Bureau of General Services suggests to watch out…

I remember the first day I passed my driver's test. I felt like I was on cloud nine…invincible. I instantly thought about all of the places I was going to go by myself. No more asking my parents or friends for a ride - my ticket to being independent had finally come, and I was ready to take on the road like a pro! Handing the paperwork to the clerk at the Secretary of State was empowering. "This is it," I thought to myself. "You are about to get your official driver's license!" I made sure I looked my best for my photo (I even made them take the picture twice) and they said I would receive a hard copy of my license in the mail in 2 to 3 weeks.…

Experiencing a loss can be stressful, frustrating and disheartening, but having insurance coverage will help alleviate the financial burden a loss can cause. The first step in restoring your property and moving forward is to determine if your policy provides coverage for the loss. To do this you need to file a claim with the insurer. While the claims process isn't something many eagerly look forward to, there are definitely ways you can make it a less stressful experience. To help you successfully navigate the process, here are several tips for effectively and efficiently filing claims. Keep an inventory of all your insured possessions. Be proactive! If you keep a written document of your possessions, it can help make the claims process much easier if you experience a loss. Go…

is one of the most common crimes, burglary is nothing to be taken lightly. Did you know that a burglary takes place every 18.2 seconds in the United States? That adds up to nearly 200 per hour, 4,800 per day, and 1,752,000 every year! And unlike common belief, most of these burglaries happen in the middle of the day. According to the National Council for Home Safety and Security, break-ins are more likely to happen between 6AM and 6PM, right in the middle of the day! With the fall season upon us and the holidays approaching, it is important to make your home safe from break-ins. While there are many safety recommendations out there, HowStuffWorks has covered the seven most effective. Don't showboat. If you've just purchased a pricey new computer or television, breakdown the…