Safe Driving Tips for Memorial Day

Memorial Day weekend kicks off the summer vacation season and is typically the busiest for traffic where millions of families hit the road. More traffic means more chances of accidents. In 2012, the holiday weekend claimed more than 370 lives on the roads as a result of crashes, according to the National Highway Traffic Safety Administration (NHTSA).

The American Red Cross and NHTSA offer these safe driving tips to help protect you and your family while traveling.

  1. Stay alert – Give your full attention to the road. Avoid distractions such as cell phones. Drink water to avoid dehydration.
  2. Buckle Up – Everyone in your vehicle must agree to wear their seatbelts every time they are riding or driving with you. Wearing a seatbelt is also the best defense against a drunk-driving related crash. Make sure children’s car and booster seats are properly installed.
  3. Rest up – Get plenty of rest before you begin your adventure. It will help you stay more alert.
  4. Allow extra travel time – Expect delays and leave early for your destination in order to avoid being frustrated by congested roads. Frustration leads to aggressive driving that can result in a crash. Don’t run yellow or red lights and leave plenty of room behind the vehicles you’re following.
  5. Avoid alcohol – Alcohol and driving can be a deadly mix. It reduces your reflexes and cognitive actions. Every day, nearly 30 people in the U.S. die in an alcohol-related crash.
  6. Make frequent stops – This helps avoid fatigue and keeps you more alert. Have a snack or a light lunch during the stop. Stretch your legs and walk around a bit.
  7. Check your tires – Improperly inflated tires can lead to a blowout, especially driving for long period of time on a hot road. Check the placard on your vehicle driver’s door for the proper inflation rate. Also, check the condition and inflation of your spare tire.
  8. Keep it clean – Make sure your windshield and lights are clean. Not only can the outside of the windshield get dirty, so does the inside where a cloudy haze often forms and can impede night vision. Take a roll of paper towels and window cleaner with you.
  9. Use caution in work zones – There are many road construction projects underway. Speed limits are usually reduced in these zones. Also, remember the “Move Over Law.” If you see a police cruiser stopped at the side of the highway, you are required to move over to the next lane.
  10. Don’t leave kids unattended – Even if you’re running into a store for just a few minutes, children should never be left alone in a vehicle.
  11. Keep an eye on the gas gauge – Don’t let your gas tank get too low. There are some areas where gas stations can be many miles apart. A good rule of thumb is not to let the gauge go below half.

Many families take their pets with them. Consider your pet’s age and health before taking him or her along for the ride. If you do take your pet with you, make sure you bring food and bowls, a leash, and medication. It’s also a good idea to bring along a picture of your pet in case it gets loose.

Being properly prepared for the long holiday weekend trip can make it not only fun, but safe.

If you are in need of an insurance agent or are looking to find out what your insurance options are for your home, auto, health or business please contact me.

Lois Drukman
Independent Insurance Broker
Walter J. May Insurance Agency Inc., Hingham, MA
Direct: 781-740-5421 Cell: 617-827-6848

So What About The Law [Radio Broadcast April 2016]

“So what about that law?” Radio Show

Sunday 10:30 AM WATD 95.9 FM

April 3rd, 2016:    Lois Drukman , the shows expert on insurance and I discussed the importance of :naming a Health Care Agent, having life insurance and helpful tips to reduce your insurance premiums.




Auto insurance myths

Auto insurance covers items stolen from your car. If your car is totaled in a crash, the insurance covers what it is worth after the crash. Your auto insurance pays for mechanical repairs.

Many believe these are covered by auto insurance. In fact, they are not. They are common auto insurance myths. According to, Princeton Survey Research Associates International conducted a survey for in 2015 to find out how misinformed consumers are about their auto insurance. Their findings were surprising. senior analyst Laura Adams said that the survey results “indicate that millions of Americans need a fresher course on what insurance does and does not cover.” Check with your insurance agent to clarify what your policy covers and whether you need to add or drop some coverage.

The five common auto insurance myths are:

  1. Red cars cost the most to insure – The survey showed that 44 percent of respondents believed that driving a red car would cost more to insure. The fact is the color of the vehicle does not affect insurance premiums. However, the type of vehicle does, such as a luxury import sports car would cost more to insurance than a standard American vehicle.
  2. 2. Auto insurance doesn’t cover you if you cause a crash – Thirty-seven percent (52 percent of those millennials) believe that auto insurance wouldn’t cover them if they are at fault in a collision. This may be due to the fact some consumers only have liability coverage which pays for damage to someone else’s property if they are the cause of the crash. Liability coverage does not pay to replace or repair the insurer’s own vehicle.

The fact is liability insurance is required coverage in most states while collision is optional and pays for damage to an insured’s own vehicle, even if they are at fault in a crash. It’s a good idea to carry uninsured/underinsured coverage that pays for damage and injuries caused by a driver who has no insurance or is underinsured.

  1. Insurance only covers what the vehicle is worth after a crash – Twenty-eight percent of those surveyed believed that insurance only pays for the post-crash value of their vehicle. Another 12 percent didn’t know what the insurance covered. The fact is auto insurance pays the market value of a new vehicle before the crash. Some policies offer new-car replacement that pays the cost of what the vehicle would be before depreciation. Liberty Mutual, for example, offers coverage for vehicles less than a year-old and have been driven less than 15,000 miles. It’s an endorsement and obviously is an added fee to the policy.

Consumers should consider gap insurance if they owe more than the vehicle is worth. This coverage pays off the remaining balance on the loan if the vehicle is totaled.

  1. Auto insurance covers mechanical repairs – Fourteen percent of respondents believed that their auto insurance would pay for mechanical repairs. Also believing this to be true were 23 percent of Millennials and those who make less than $30,000 a year. The fact is auto insurance does not pay for routine mechanical repairs. The insurance only covers damage caused by a collision.
  2. Auto insurance covers items stolen from your car – Thirty-four percent of respondents believe auto insurance would pay for belongings stolen from their car. Forty-seven percent of those 64 years old and older also believed this to be true. The fact is auto insurance does not cover stolen items from vehicles. Homeowners and renters insurance, however, would cover items stolen from vehicles as long as the items are worth more than the deductible. As an example, if a laptop was stolen from the car and it was worth $2,000 and the policy has a $500 deductible, the insured would receive a check for $1,500.

Your insurance agent is the best source to tell you what is “myth” or “fact” when it comes to your auto insurance. Have your agent go over your policy with you to see if you have the right insurance coverage.

If you are in need of an insurance agent or are looking to find out what your insurance options are for your home, auto, health or business please contact me.

Lois Drukman
Independent Insurance Broker
Walter J. May Insurance Agency Inc., Hingham, MA
Direct: 781-740-5421 Cell: 617-827-6848

Cyber safety tips for your business

In this digital age, small businesses, like their larger counterparts, store data about operations, customers and employees. Much of this information is sensitive. With the growing risk of data breaches, it is critical that a cyber security plan be in place to keep your business cyber safe.

Cyberattacks or losing data can jeopardize a business’s reputation and operation. Business owners are responsible to keep their digital data safe to protect not only their employees and customers, but the business operation as well. Here are some guidelines to help protect your business from hackers and data loss and keep your digital information cyber safe.

1. Protect computers and information – The best defense against online threats such as malware and viruses is having the latest cybersecurity antivirus software installed on your business computers. You can set the antivirus system to run periodic scans that detect online threats. It is also important to install updates to the antivirus system so that it can detect the latest threats to help keep your computers safe. Also, keeping your web browser and computer operating system updated as well can help thwart threats.

2. Backup data – All digital information should be backed up on a regular basis. Such files include customer and employee privacy information, receivables/payables, databases and financial accounts. The backed up information is best securely stored in the cloud or offsite with a reliable storage firm.

4. Change passwords – You and your employees should change passwords for computers and accounts logins every few months. A good practice is to have a multi-tiered authentication where at least two sets of unique passwords are required to login to computers and accounts. Ask the financial institution who handles your financial accounts and vendors who have access to your sensitive information if they employ multi-tiered password logins.

5. Keep mobile devices secured – Company laptops, tablets and cell phones have access to sensitive business information and it is imperative these devices are protected. Your business information should be encrypted and each employee who uses the devices should have their own unique password.
6. Train employees – Your employees should be trained about cyber security such as not opening suspicious emails and attachments. Control employee access to certain information and accounts.

7. Secure your Wi-Fi – Keep your business Wi-Fi secured. Shut off or change the Service Set Identifier (SSID). This is the unique 32 character identifier that is broadcast by the Wi-Fi router. If this is not secured, a hacker can gain access to your Wi-Fi network.

Keep alert to all your digital accounts and investigate anything that looks suspicious. Your employees should also be vigilant to any changes or strange activity on your business computer system such as unusual software installations, changed passwords, or disabled antimalware. These are sure signs that your system has been hacked.

Having a cyberattack response team set up is the best and efficient way to respond to a data breach. If a breach is suspected, immediately secure the computer system. Then, conduct a thorough investigation and notify police if warranted. Determine if any liability needs to be addressed and mitigate any consequences.


If you are in need of an insurance agent or are looking to find out what your insurance options are for your home, auto, health or business please contact me.

Lois Drukman
Independent Insurance Broker
Walter J. May Insurance Agency Inc., Hingham, MA
Direct: 781-740-5421 Cell: 617-827-6848

So What About The Law [Radio Broadcast January 2016]

Latest Radio Broadcast

“So what about that law?” Radio Show

Sunday 10:30 AM WATD 95.9 FM

January 3, 2016:     Lois Drukman, Home, Auto, Health Insurance Agent,  co hosted the show and we discussed how to avoid penalties for not having health insurance and how to save some money on your health insurance options.

Here’s the link to listen…

Holiday Safety Tips

The holiday season is the most joyous of the year but, sadly, can also be the most tragic. A large number of house fires occur during December, mostly related to holiday decorations. According to the National Fire Protection Agency (NFPA), home holiday decorations cause over 400 house fires and $15 million in property damage and loss annually. Additionally, some 5,800 injuries occur each year from falls while people are placing rooftop decorations on their homes, according to the Electrical Safety Foundation International.

Here are some tips to keep you, your family, and your home safe during the holiday season.

Christmas trees – Many families prefer real trees for their home for Christmas because of their natural look and fragrance. Real trees, however, require care. When selecting a real tree, make sure the needles are fresh and green and do not fall off when touched. About two inches should be cut from the bottom of the trunk. Water should be added daily to the tree stand to provide moisture. A dried out tree is like having a can of gasoline sitting in your living room.

The tree should not be placed near any heat source such as a fireplace, stove, radiator or vent. Never use candles on a real tree. Use only Underwriters Laboratory approved lights. Make sure the lights and cords are not damaged. One of every three house fires caused by a Christmas tree is related to an electrical problem. The NFPA reports that one of every 31 house fires sparked by a Christmas tree results in death compared to one in every 144 house fires.

Lights – Holiday lights should not be used for more than three seasons since they are delicate and can damage easily. Do not use more than three sets of push-in bulb strings together. You should also not use more than 50 screw-in bulb strings together. Check the cords for fraying or damage. Also, check the conditions of the bulbs. Do not overload electrical outlets or extension cords. Never run an electrical cord under a rug. Turn off the lights when leaving your home or going to bed.

Candles – Although real candles can set a mood, they can be dangerous. December is the prime month for candle-related fires. Never leave candles unattended in a room or place them near anything combustible. Place candles on non-flammable and heat-resistant surface or plate. According to the NFPA, 56 percent of candle-related house fires are the result of candles being too close to another object.

Children and pets – Holiday decorations draw the attention of both children and pets. While adding to the festive ambiance of your home, decorations can be a hazard for your child or pet. Poinsettias, holly and mistletoe are poisonous if ingested. Symptoms of poisoning from these plants include rashes and nausea. If your child exhibits these symptoms, call the National Poison Center at 800-222-1222. Pets can also show similar symptoms and should be taken to a veterinarian immediately. Also, never let your child handle electrical extension cords since most contain lead that can rub off on hands. Wash hands after handling electrical cords. Tinsel, small toys, and decorations pose choking hazards. It’s best to keep an eye on your child or pet when these near objects.

Following these holiday safety tips will make your holidays memorable – in a good way!

If you are in need of an insurance agent or are looking to find out what your insurance options are for your home, auto, health or business please contact me.

Lois Drukman
Independent Insurance Broker
Walter J. May Insurance Agency Inc., Hingham, MA
Direct: 781-740-5421 Cell: 617-827-6848

Information about Ice Dams and Insurance

ice dam diagramic


We are having a very active winter this year!  Long periods of extremely cold weather and a lot of snow are the perfect formula for ice dams and that can cause roofs to leak.   Ice dams are formed at the edge of roofs and gutters when we have thawing and refreezing of snow on roofs. The dams continue to grow larger and will back up higher in the roof line as continued melting occurs.  Melted snow gets trapped by the ice dam and that keeps water from draining off the roof, and this is where the damage begins.  This water can get forced under the shingles and cause dripping through the roof, into the attic, the insulation and into the rest of the inside of the home.


Make sure you contact your insurance carrier right away to report all damage and get your claim started.  This will help manage the loss quickly and safely.  Your carrier may even pay something towards having the snow removed from the roof if damage is sustained.  Be careful and if you do not have the right equipment it is better to have a professional remove the snow.

This winter has been colder for longer stretches of time and these conditions can cause damages.  Take all precautions that you can and soon it will be spring!







Halloween Health and Safety Tips


Halloween is coming this week, and the fall colors are all around us.  This is a beautiful time of year, and we should all enjoy a fun holiday such as Halloween.  Times are different than when I was out as a child in my neighborhood collecting my share of candy.  We insurance brokers are always concerned with the “what if this happens” in life situations, and how to protect ourselves from harm.  Halloween has some very interesting safety statistics we need to keep in mind. There are several great websites about Halloween safety, and I am going to quote a few facts here  from   Here are some scary statistics they have–

1.) Only 1/3 of parents talk to their children annually about Halloween, although 3/4 report having Halloween safety fears.

2.) On average, TWICE an many children pedestrians are killed while walking on Halloween compared to other days of the year.

3.) Only 18% of parents use reflective tape on their children’s Halloween costumes.

4.) 12% of children five years of age or younger are permitted to trick- or- treat alone.

All parents should talk to their goblins of all ages and here are a few simple tips–go to for more great help

1.) Children under 12 should trick-or-treat AND cross streets with an adult.

2.) Always walk on sidewalks or paths-if there are no sidewalks, walk facing traffic and as far to the side as possible.

3.) Cross the street at corners, using traffic signals and crosswalks.  Parents should remind children to watch for cars that are turning or backing up.

4.) Drivers should slow down and be especially alert in residential neighborhoods.  Children are excited on Halloween and may move in unpredictable ways.


We all want to have fun and lets all be mindful of some simple, common sense rules that may save a life!  May our worst fear be our next dental visit or our waist lines after eating too much candy!


We Must Never Forget! This is the 12th Anniversary of 9/11

As time goes on, it is important that we never forget the lessons of that tragic day.  Please take a moment to pause and remember those who we lost that day.  Let us all proudly show our flag and always remember that our Freedom is Not Free!