Safety on the School Bus

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Some 25 million students nationwide begin and end their day with a trip on a school bus. Designed for safety, with flashing lights, giant mirrors, high seat backs and that bright yellow color, school buses keep more than 17 million cars away from school buildings every day.

School buses are the safest way to get to and from school. Riding a bus to school is 13 times safer than riding in the family vehicle and 10 times safer than walking.

Taking the Bus is the Best Option

If bus service is available in your area, the National Safety Council recommends students take the bus rather than walk or ride with parents or teenagers.

More school-age pedestrians have been killed during the hour before and after school than any other time of day, according to the National Highway Traffic Safety Administration. And, although vehicle drivers are required by law to stop for a school bus when it's loading or unloading passengers, they often don't. Children should not rely on them to do so.

Tips for a Safe Ride

While school buses are, by far, the safest way for students to travel, children need to do their part to stay alert and aware of their surroundings to prevent injury. NSC urges parents to teach their children the following safety rules for getting on and off the bus, and for exercising good behavior while riding.

Getting on the Bus:

  • When waiting for the bus, stay away from traffic and avoid roughhousing or other behavior that can lead to carelessness
  • Do not stray onto the street, alleys or private property
  • Line up away from the street or road as the bus approaches
  • Wait until the bus has stopped and the door opens before approaching the bus
  • Use the handrail when boarding

Behavior on the Bus:

  • Don't speak loudly or make loud noises that could distract the driver
  • Stay in your seat
  • Don't put your head, arms or hands out the window
  • Keep aisles clear of books and bags
  • Get your belongings together before reaching your stop
  • Wait for the bus to stop completely before getting up from your seat

Getting Off the Bus:

  • Use the handrail when exiting
  • If you have to cross in front of the bus, first walk at least 10 feet ahead until you can see the driver
  • Make sure the driver can see you
  • Wait for a signal from the driver before crossing
  • When the driver signals, look left, right, then left again. Walk across the road and keep an eye out for sudden traffic changes
  • If your vision is blocked, move to an area where you can see other drivers and they can see you
  • Do not cross the center line of the road until the driver signals it is safe
  • Stay away from the rear wheels of the bus at all times 

Copyright 2025 IMT Insurance


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Is Your Heating System & Fireplace Ready For Winter?

When it’s cold outside, you need to keep your home warm and toasty, but you also want to keep it safe. Heaters, fireplaces, and other methods of warmth can also create fire hazards. While fireplaces may be designed to contain fire, they still require caution and regular maintenance to effectively manage flames, embers and smoke. 

Here are some tips to make sure you are keeping your home safe this winter: 

  • Test your smoke alarms on a consistent basis and keep fire extinguishers handy.  
  • Sweep dust bunnies regularly.
  • Place your heater a minimum of three feet from all flammable items.
  • Make sure candles are kept away from flammable objects.
  • Use the 1:1 rule — only plug one heating appliance into an electrical outlet at a time.
  • Unplug appliances and completely put out fires in the fireplace before you leave the room or your home.
  • Have fuel tanks filled and maintained throughout the season.
  • Use a fireplace screen to prevent hot embers from flying out and catching your possessions on fire.
  • Service wood-burning or pellet stoves according to the manufacturer’s instructions.

Winter Weather Maintenance Practices for Your Home

Along with fire prevention, homeowners should perform winter maintenance to keep temperatures inside the house warm when it is cold outside.

  • Do not set the heater lower than 55 degrees, as the temperature inside the walls where water piping is located is colder than in living spaces. Also, keep doors open within the house to maintain an even temperature throughout.
  • Prevent drafts and heat loss by adding weather stripping around doors and caulking windows. Install storm windows, if appropriate.
  • Check for water leaks and make repairs, if needed. If a water pipe is exposed in an unheated area, such as a garage or crawl space, wrap the pipe in UL-listed heat tape; use only thermostatically controlled heat tape on plastic piping.
  • Learn where water pipes are located and know how to shut off the water supply in the event of an emergency to prevent damage.
  • Clean out your dryer lint trap or lint screen after EVERY use. It takes only a couple of seconds and can help stop a potential fire before it ever becomes a significant risk factor. Debris that builds up in the lint trap can catch fire when exposed to the appliance’s heat settings.

Winter is prime time for house fires, with more deaths occurring in December through March than any other time of the year. Develop an exit strategy with your household and run practice drills with your family to help avoid preventable tragedy. 

Related: Creating a Fire Escape Plan

With knowledge of the most common fire risks, our tips for fire prevention and a strong emergency response plan in place, you and your loved ones will be well equipped to protect yourselves and your home.

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6 Tips To Protect Your Vehicle From Potholes This Winter

Freezing rain and fluctuating winter temperatures can leave roadways littered with potholes, causing vehicle damage and costly repairs for motorists! Potholes tend to form when moisture collects in small holes and cracks in the road surface. As temperatures rise and fall, the underground moisture expands and contracts. This results in broken up pavement, which is then continually impacted by the weight of passing cars.

Blown tires, dented rims, damaged wheels, dislodged wheel weights, displaced struts, dislocated shock absorbers and damaged exhaust systems are all costly common automotive issues. Other signs include misaligned steering systems and ruptured ball joints. 

How Can You Protect Your Vehicle From Winter's Potholes?

  1. AAA suggests making sure tires have enough tread and are properly inflated. To check the treat depth, insert a quarter into the treat groove with Washington's head down. The tread should cover part of Washington's head! If it doesn't, it's time to start looking for new tires!
  2. Keep an eye out for potholes when driving — stay focused on the road ahead and don't get distracted! If you need to swerve to avoid a pothole, make sure to check surrounding traffic to avoid causing a collision or endanger nearby pedestrians or cyclists.
  3. If a pothole cannot be avoided, reduce speed and check the rearview mirror before any abrupt breaking. Hitting a pothole at higher speeds increases the likelihood of damage to tires, wheels, and suspension components.
  4. A puddle of water can disguise a deep pothole. User care when driving through puddles and treat them as though they may be hiding potholes!
  5. Hitting a pothole can knock a vehicle's wheels out of alignment and affect the steering. If a vehicle pulls to the left or right, have the wheel alignment checked by a qualified technician.
  6. Any new or unusual noises or vibrations that appear after hitting a pothole should be inspected immediately by a certified technician. A hard pothole impact can dislodge wheel weights, damage a tire or wheel, and bend or even break break suspension components. 

Follow the steps above to help avoid and prevent potholes and keep your vehicle safe this year! 

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Fall Season Home Maintenance Tips For Homeowners

The autumn season when leaves turn color and start to fall, along with cooling temperature, is a good time to take care of some annual maintenance around your home. By being proactive, you can avoid costly (and in some cases, dangerous) issues when the weather turns even colder. 

Have your furnace or boiler serviced by a licensed contractor to check annually for any repair or concerns. This is a good time to clean or replace the furnace filter on forced hot air systems. If you have a chimney, have it checked and serviced by a licensed contractor as well. Make sure to remove creosote buildup from chimneys that are connected to woodstoves and fireplaces.

Falling leaves and outdoor debris can clog drains and gutters. The fall is a good time to check that these are clean. Clogged gutters can cause a few issues, but the big one for most homeowners is roof leaks. If your gutters can't drain properly, that excess water can soak through shingles, eventually leaking into your home. This can cause mold to grow, along with damage from the water itself. Melting snow can also fill up your gutters, causing similar issues! A good rule of thumb is, clean your gutters twice a year. 

While gutters are being cleaned, take a few minutes to inspect your roof. Look for obvious holes and damaged (or missing) shingles, but also take some time to really comb over the details. Keep an eye out for cracks and general wear and tear! 

If there’s any loose tree limbs around your property, consider trimming or cutting them before they become destructive. Tree limbs that fall on a house or other insured structure on the property would be covered for both the damage inflicted and the cost of removing the tree, generally up to about $500. 

Explore your home and property to remove any trash, old papers and dense clutter in areas like your garage, basement and attic. This can create the perfect fuel for a fire. Household items, like improperly stored batteries and even glassware sitting in a beam of sunlight, can generate enough heat to ignite a fire. Pay close attention to other common, highly flammable items you may keep in a garage or storage shed, including gasoline, chemicals, and gases used for grilling.