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JRO Insurance
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#Blackice is actually just regular ice but because of its transparent nature when frozen over pavement it looks black.  Drivers should be more attentive particularly during the early mornings and evenings as the temperature is colder during those hours.  It is typically found on bridges and overpasses as the wind can cool the top and bottom of the structures enabling freezing more easily.

 If you happen to drive over black ice as frightened you may become, you have to try your best to stay calm.  Overreacting and getting worked up will not help the situation.  Although pressing on the brake will feel the most natural doing so can worsen the situation by making the vehicle skid.  We suggest that you remove your foot from the accelerator as well as the brake.  You will gain more control over the situation the slower you are going.  
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What To Know About Connecticut's Ice Missile Law - http://www.jroinsure.com/2014/12/11/connecticuts-ice-missile-law-know/ 
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As we are in full swing of the holiday season, we can expect the seasonal social gatherings of friends and family. With those gatherings and parties if there’s liquor involved, there are some things to keep in mind. Most homeowners know they are held responsible if a party guest becomes intoxicated after a night of drinking at a homeowner’s residence, and decides to drive causing a car accident. If children are attending the event, remember that alcohol may seem more available to them at a party. If the homeowner is sued, however, their insurance policies may not provide liability coverage. Consider the tips below when deciding on liquor for a home event.

Here are some tips to keep in mind while consuming and distributing alcohol at your home.

- Use designated drivers.
- Make non-alcoholic beverages as available as alcoholic drinks.
- Stop serving alcohol well before the party ends.

Jones, Raphael & Oulundsen has been serving the insurance community for more than a hundred years and is a great resource for advice on any insurance related problems or questions you may have. We are built on the principles of providing superior customer service and quality insurance solutions to our customers. We are dedicated to getting you the best insurance products and services available today to protect you, your family, and your business.
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We all hear about the danger of texting while driving, but with smart phones becoming even more advanced, now there are people that use apps such as Instagram and Facebook while driving. Talking on the phone while driving is much less of a problem with almost every new car now coming standard with a Bluetooth hook-up for talking hands-free while driving. Teenagers are the main group that has trouble being away from their phones. Have you had a talk with your teen about phone usage while driving?
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Happy Thanksgiving from us here at JRO
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Raising awareness for cancer is continuing this month with #NoShaveNovember. No Shave November is a unique way of raising awareness for cancer; we put down our razors for a month in an attempt to show support and give back. The goal of No Shave November is to grow awareness by embracing our hair, which many cancer patients lose, and letting it grow wild and free.  Donate the money you usually spend on shaving and grooming for a month to educate about cancer prevention, save lives, and aid those fighting the battle. You can participate by allowing your beard or mustache to grow in an attempt to raise awareness.
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Fall has officially begun, and that means we’re getting into the time of year when deer are most active.Bambi, your car, and your wallet are not friends. If you happen to hit a deer, how does your auto insurance play a role?
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Prepping Your Car for Winter
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Call us today for a quote 860-225-7721
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