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  • How to handle pothole-infested roads - DGI Direct
    holes as they approach Law says motorists should try to stay at least two to three seconds behind the car that s the nearest to them Occasionally a pothole is so big that hitting it could impact the shock system of the vehicle If there are no other cars in the oncoming vehicle it s fine to slightly veer into the other lane However any violent swerves that causes the car to drift too far into the other lane is extremely dangerous and may cause a chain reaction if trailing cars react In short Law says that drivers should avoid potholes with a smooth and steady turn of the wheel Potholes can come in many different shapes and sizes depending on how much water has crept underneath the surface of the street and how old the pavement is After a significant storm water can make it appear as though a pothole is small when in reality it s quite large As tempting as it may be to splash through a water filled pothole Law recommends avoiding them just as one would for any other significant divot in the road Due to high congestion or the pace with which traffic is moving there may come a time in which potholes are unavoidable where no matter how hard one tries they have to go through the depression in the street With any luck the pothole will be a shallow one but either way Law says drivers should reduce their rate of speed as smoothly as possible This will reduce the load on the suspension and the impact force said Law Get ready for the BUMP The Globe and Mail s automotive columnist Andrew Clark has some tips of his own for how to deal with potholes and motorists can remember it through mnemonic device known as BUMP B stands for Brace yourself This is similar to what Law recommends as bracing is another way of saying preparing which can be done by lowering one s speed and getting ready to feel a bit of a jolt as one rolls over it The U stands for Underneath Clark notes that on the underside of the car there s a chance that damage could be done to it Thus after going over a pothole try to listen for any sounds suggesting that something might have come loose M stands for Move on In the event that damage was done to the car Clark says there s no sense in dwelling on it If a repair is necessary take into the shop to have it fixed Alternatively if the repair work is significant and pricey it may behoove policyholders to get in touch with their vehicle insurance Ontario provider Depending on the policy motorists may be able to be compensated if the repair is more expensive than the deductible Finally P stands for Prepare yourself Preparing can be getting ready for what could be an expensive bill or taking the appropriate actions with one s

    Original URL path: http://dgidirect.ca/car-tips/how-to-handle-pothole-infested-roads/ (2016-05-01)
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  • Factors to consider when shopping for a fuel-efficient car - DGI Direct
    purchased is mileage the source recommends checking the EnerGuide label that should be affixed to the windshield of new vehicles This will inform buyers of the vehicle s mileage They can then compare it to the gas economy of used vehicles which can be determined by consulting with the dealer Many fuel efficient models offer the same kind of mileage as their peers thus preventing its proficiency in gas consumption from being the determining factor To find out what other strong features it has Natural Resources Canada recommends checking the most recent list of EnerGuide Awards which are given to various models based on other criteria Something else to consider is whether to get four wheel drive The source says that while this feature is ideal for treacherous conditions the additional weight of the system makes vehicles increases fuel consumption Thus buyers should do a cost benefit analysis Buyers of fuel efficient vehicles should also consider the auto insurance implications as some models may be eligible to receive a discount Sections Auto Insurance Home Insurance Pet Insurance Online Quote Auto Property Postal Code Go Or call 1 877 699 9923 Categories Ajusto Auto Insurance Auto Insurance Articles Car Tips General Tips Home Insurance Articles Home Tips Insurance News Insurance Related Articles Pet Insurance Pet Tips Property Insurance Tenant Insurance Travel Tips Archives April 2016 March 2016 February 2016 January 2016 December 2015 November 2015 October 2015 September 2015 August 2015 July 2015 June 2015 May 2015 April 2015 March 2015 February 2015 January 2015 December 2014 November 2014 October 2014 September 2014 August 2014 July 2014 June 2014 May 2014 April 2014 March 2014 February 2014 December 2013 November 2013 October 2013 September 2013 August 2013 July 2013 May 2013 April 2013 March 2013 February 2013 January 2013 December 2012

    Original URL path: http://dgidirect.ca/car-tips/factors-to-consider-when-shopping-for-a-fuel-efficient-car/ (2016-05-01)
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  • Eco-friendly company reminds Canadians to be advised of slippery walkways - DGI Direct
    walkways and driveways said Mark Watson CEO of Earth Innovations which provides a granule based solution that is similar to sand or salt but is harmless to plants and animals Weather can easily change quickly and it s important to be prepared throughout the winter According to the source several legal cases have developed after party guests sustained injuries after falling suing policyholders and businesses for hundreds of thousands of dollars These suits have often led to awards for pain and suffering and future care costs While businesses and policyholders may be liable for a person s injury if it was sustained on their property they cannot be sued if party attendees got into an accident on the way to the party whether by walking or in a car Employers may want to remind their employees who are attending a company sponsored party that their group auto insurance policy will cover medical costs if they are injured in a car accident Sections Auto Insurance Home Insurance Pet Insurance Online Quote Auto Property Postal Code Go Or call 1 877 699 9923 Categories Ajusto Auto Insurance Auto Insurance Articles Car Tips General Tips Home Insurance Articles Home Tips Insurance News Insurance Related Articles Pet Insurance Pet Tips Property Insurance Tenant Insurance Travel Tips Archives April 2016 March 2016 February 2016 January 2016 December 2015 November 2015 October 2015 September 2015 August 2015 July 2015 June 2015 May 2015 April 2015 March 2015 February 2015 January 2015 December 2014 November 2014 October 2014 September 2014 August 2014 July 2014 June 2014 May 2014 April 2014 March 2014 February 2014 December 2013 November 2013 October 2013 September 2013 August 2013 July 2013 May 2013 April 2013 March 2013 February 2013 January 2013 December 2012 November 2012 October 2012 September 2012 August 2012 July

    Original URL path: http://dgidirect.ca/home-tips/eco-friendly-company-reminds-canadians-to-be-advised-of-slippery-walkways/ (2016-05-01)
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  • CMHC offers a seasonal home maintenance schedule - DGI Direct
    lint and dust that can piles up on an as needed basis as failing to do so may prevent even airflow Home fires tend to increase in the winter months largely as a result of malfunctioning heating systems or unattended fireplaces Thus CMHC recommends checking all fire escape routes and making sure that they re clear of obstructions Fire extinguishers should also be tended to and placed in areas where they are easily accessible Spring After the cold of the winter has passed springtime always comes as a welcome change Practicing maintenance in this season can make the warming temperatures that much more enjoyable This includes having all windows cleaned so that the storm windows can be replaced by screens and inspecting the exterior of the residence closely to see if the structure sustained any damage from the previous season If there are any cracks in walls it may be necessary to have them serviced by a professional or require a home insurance claim Summer If anything epitomizes the summer it s the warm temperatures As such CMHC says homeowners should be sure to have their air conditioning checked out before starting it This includes having it cleaned and replacing the air conditioning filter It may also be necessary to have the ventilation serviced as well Because of the warmer temperatures the yard of one s property typically gets used much more frequently This makes inspecting driveways and walkways important to get fixed so individuals don t hurt themselves after tripping the source notes Warmer temperatures make it ideal for painting Thus the CMHC says homeowners may want to take advantage of the season by getting any painting jobs done Year round While these maintenance tips tend to be performed during certain times of the year CMHC says says some

    Original URL path: http://dgidirect.ca/home-tips/cmhc-offers-a-seasonal-home-maintenance-schedule/ (2016-05-01)
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  • Can You Be Ticketed For Driving With Snow On Your Car? | DGI Direct
    all of the snow off their car as failing to do so may result in a traffic violation Citing Section 74 of The Highway Traffic Act Law indicates that people are not permitted to drive a motor vehicle on the roads if their windshield side and rear windows are in any way obstructed To avoid being dealt a ticket by a police officer which may impact the violator s auto insurance rates Law advises drivers to clear all the snow and ice off their vehicle including any precipitation that has collected on the roof The source also says that drivers need to take these precautions inside the vehicle as well by using the car s defrost capability With the advancement in technology however many cars do this automatically Taking these precautions can not only spare motorists from being pulled over but it also lowers their risk of being involved in an accident due to reduced visibility Sections Auto Insurance Home Insurance Pet Insurance Online Quote Auto Property Postal Code Go Or call 1 877 699 9923 Categories Ajusto Auto Insurance Auto Insurance Articles Car Tips General Tips Home Insurance Articles Home Tips Insurance News Insurance Related Articles Pet Insurance Pet Tips Property Insurance Tenant Insurance Travel Tips Archives April 2016 March 2016 February 2016 January 2016 December 2015 November 2015 October 2015 September 2015 August 2015 July 2015 June 2015 May 2015 April 2015 March 2015 February 2015 January 2015 December 2014 November 2014 October 2014 September 2014 August 2014 July 2014 June 2014 May 2014 April 2014 March 2014 February 2014 December 2013 November 2013 October 2013 September 2013 August 2013 July 2013 May 2013 April 2013 March 2013 February 2013 January 2013 December 2012 November 2012 October 2012 September 2012 August 2012 July 2012 June 2012 Recent Posts

    Original URL path: http://dgidirect.ca/car-tips/can-drivers-be-ticketed-for-failing-to-clear-snow-from-their-cars/ (2016-05-01)
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  • Any Time Of The Year Can Be Ripe For Flooding | DGI Direct
    are too heavy to be moved a floodwall can be built around these items such as furnaces and hot water heaters so that they re kept dry under wet conditions Have sump pump installed Some homeowners however are located in flood prone areas which may make additional preventive measures necessary As a result it may be worth considering installing a sump pump which can collect any water that accumulates and direct it away from the home Cut off electrical power if flooding is imminent Despite homeowners preventive actions flooding may still be unavoidable IBC indicates that under these circumstances power to electrical circuitry should be shut off to avoid damage that may require an electrician to fix Check patios and decks for signs of settling In addition to taking precautionary measures on the inside of one s residence they can also be implemented on the outside as well For instance IBC suggests checking sidewalks patios and decks to make sure they haven t settled over time Renovations may be necessary if they have as this settling can prevent water from draining away from the house Are downspouts long enough Downspouts help direct water away from the house but they may be ineffective if they re too short IBC says they should be at least six feet from the basement wall and drain toward the street If it points toward a friend or neighbor s house their property could be adversely impacted Other IBC flood prevention suggestions include putting a rain barrel under a roof s eaves to catch water runoff and keeping water out of window wells By following these suggestions homeowners may be able to save themselves thousands of dollars in home repair costs Sections Auto Insurance Home Insurance Pet Insurance Online Quote Auto Property Postal Code Go Or

    Original URL path: http://dgidirect.ca/home-tips/any-time-of-year-can-be-ripe-for-flooding/ (2016-05-01)
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  • Sales, prices surge in Toronto - DGI Direct
    family or downsizing due to economic struggles While the Canadian real estate market was strong throughout virtually all of 2012 some real estate experts say that the market may be in for a course correction due to home prices rising at a faster clip than wages Worldwide housing meltdown didn t affect Canada s market significantly Phil Soper president and chief executive for Royal LePage noted that any down period that does occur will be short lived using 2009 as a comparison It was a bleak time with plunging consumer confidence driven by rapidly spreading unemployment said Soper The meltdown of the American banking and finance sector had sent their housing market into a downward spiral and our own real estate market saw home sale transactions fall dramatically Even with weak price appreciation the Canadian real estate market emerged from the period relatively unscathed Soper stated Something else that testifies to the robustness and resiliency of Canada s housing sector is documented in Canada Mortgage and Housing Corporation s 10th annual Canadian Housing Observer report which catalogues how the market fared in 2011 and halfway through 2012 For example homeowners demonstrated a great ability to take care of their housing expenses The rate of residential mortgages that were behind on their payments by three months or more slipped from 0 41 percent in 2011 to just 0 36 percent through the first six months of 2012 Meanwhile Canadian households net worth soared After adjusting for inflation per capita net worth home values were 7 000 higher than they were prior to the global housing meltdown Homeowners were also able to increase their residences worth by taking on various renovations In 2011 renovation spending jumped 3 percent from the previous 12 month period totaling nearly 44 billion Resale prices increased as

    Original URL path: http://dgidirect.ca/home-insurance-articles/sales-prices-surge-in-toronto/ (2016-05-01)
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  • Setting the record straight on winter driving - DGI Direct
    roads in my Volvo due to some motorist stuck at the bottom of a hill because they refused to install winter tires Law writes Yes you should use winter tires even in the city Another flawed belief many people have is the notion that they should let their car warm up before they drive While this can help snow melt more quickly and make the windshield easier to chip away ice that s formed Law says that it s usually best to avoid this Mainly because allowing the engine to idle for a long period of time wastes fuel which can come back to bite motorists when it comes time to fuel up It s not unusual for drivers to spend several dollars more in the winter time simply because they re running their cars for a few minutes longer than they do throughout the year Insurance myths just as frequent Just as many myths regarding winter driving have developed so have untruths regarding auto insurance For example the Insurance Bureau of Canada notes that some people believe that if they get into an accident in the winter time something that was once covered last year may not be this year That s because insurance companies keep changing the rules on what s covered and what isn t This couldn t be further from the truth though IBC notes that any changes to company policy have to be given the go ahead by the Canadian government as the insurance industry is highly regulated They can also not charge any dollar amount for premiums A formal review process has to be done before changes can go into effect Even if premiums do rise there s a good reason for it as some believe that raising rates automatically turns into profits for

    Original URL path: http://dgidirect.ca/auto-insurance-articles/setting-the-record-straight-on-winter-driving/ (2016-05-01)
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