Waitte's Insurance Agency
Serving the area for over 100 years
Waitte's Insurance Agency
Serving the area for over 100 years
Waitte's Insurance Agency
Serving the area for over 100 years
Waitte's Insurance Agency
Serving the area for over 100 years

Back-to-School Preparation: 101

Back-to-School

As we head into August, it’s time to start planning for the kids to head back to school. In order for your child to be successful in the upcoming school year, it’s imperative that they are prepared in a multitude of areas. This starts now as the back-to-school season is upon us.

Here are some tips on how to make the transition into the new school year easier for you as well as your children:

Start Your New Sleep Schedule Early

During the summer you probably let the kids stay up late due to it being lighter later in the evening. You now need to get them back on an appropriate sleep schedule for school. The adjustment can take some time to get used to, so it is advised to begin the new sleep schedule a few weeks before school commences. Being well-rested is invaluable when it comes to school work and they need to adjust to make sure they’re getting enough sleep.

Plan Your Student Pick-Ups/Drop-Offs

In order to assure a smooth transition daily, you must prepare both your morning and your children’s morning in accordance with bus pickup/drop off or your schedule if you’re the one taking them to and from school. You don’t want to be rushing around and worrying about not having enough time to get everyone ready. Practicing this new routine ahead of time will also allow you to prepare for unforeseen circumstances that may occur, such as bad weather.

Attend All Open Houses & Orientations

Before school starts be sure to attend any orientations or open houses to confirm what is expected of your child as far as supplies and curriculum. Parent/teacher meet-and-greets are also a great way to learn about school policies, extra-curricular options, and dates for school events. Knowing how your child’s school operates will better serve you to assist in their educational journey.

Stick to the Bare Necessities

Make sure your children have the required supplies but refrain from buying unnecessary items such as electronics, toys, and other extras. They will be carrying around a lot in their backpacks and you want to keep in mind to take the weight of the textbooks that they will receive into account.

Begin with a Clean Bill of Health

Plan ahead of time to fit in any and all necessary medical exams, physicals and dental exams before the kids go back to school. This will help limit any time they need to spend away from school later on. If possible, schedule these a few weeks before school is back in session as these places are sure to be busy with other parents having the same idea.

Maintain a Clean Bill of Health!

Make your children’s lunches personally and provide well-balanced and healthy foods. There are a lot of poor lunch options for kids in certain schools so make sure you provide them with healthy foods from home. Lunches consisting of  vitamin-packed foods such as fruits and vegetables will promote good health and a better ability to focus on their studies.

After-School Activities

In addition to a morning schedule, you’re going to want an after-school schedule as well. Homework should be a priority so that children have time for other activities and sports. It’s important for them to do the work, but also have some free time when they can get it.

Review/Update All Necessary Insurance

Health insurance should always be up-to-date in time for the first day of school. It’s always better to be safe than sorry in the event an unexpected illness or injury arises. As for teenaged students with valid permits or driver’s licenses, be sure to have all required automobile insurances before they hit the road.

Taking the extra time to make the proper preparations can make all the difference in having a smooth transition into the new school year for both you and your children. As important as it is to have everything in order to achieve the highest level of success, also be sure to let your children enjoy their last few weeks of summer vacation!

Do you have a student in your house that is a licensed driver or planning to be in the upcoming school year? Know the automobile insurance policies they will need to purchase by Connecticut state law by clicking here.

Your Annual Physical: NOT Just For the Sick

Annual Physical

Not everyone goes to the doctor for an annual physical every single year. However, if you are one of these people, then you could be seriously compromising your health without even knowing it.

Going to the doctor for an annual check-up is crucial to your long-term health, regardless of your age. Most people are unaware of underlying health issues they may have until they are seen by their doctor. Even if you are experiencing symptoms, you might not find them relevant until your doctor addresses them. For obvious illnesses such as a fever or the flu, a check-up is recommended immediately to treat whatever is temporarily ailing you. However, by not scheduling an annual physical for an overall examination of your health, dormant illnesses and/or diseases that you may have could go undetected and have time to metastasize or become worse.

Check-Up Preparation:

When you go in for your check-up, it’s important to be prepared. Try to have all necessary forms filled out prior to your appointment time and arrive 15 minutes early in the event you need to fill out additional forms. You should always know your family’s medical history dating back as far as your grandparents and create a list of questions and concerns for your doctor to address.

Common Physical Protocol:

Medical professionals typically inform patients of all the tests and procedures they will be performing during their physical, but always inquire about any part of the process you are unclear about. Know what ailments they will be testing for, why they are doing the tests and how they will be administered. Physicals commonly involve becoming up-to-date on all vaccinations, checking weight, blood pressure, and most likely blood testing to check cholesterol or a number of other factors.

Be Honest!

One thing to keep in mind when seeing a doctor for any reason is that you should always be as honest as possible. Medical professionals take a sworn oath to not judge anyone’s lifestyle or health decisions and make treating patients their number one priority. Even if they are not thrilled with some of your answers, knowing all of the facts about your history and daily habits only allows your doctor to treat you most effectively.  Stretching the truth, or “fibbing”, about factors such as the amount of alcohol you consume or if you smoke cigarettes ties the hands of your doctor and leaves you vulnerable to a misdiagnosis or being  prescribed unnecessary medications that could harm you further. So remember, be straight with your physician for the best possible results.

Although it may be unpleasant for some to visit the doctor, scheduling a simple physical annually can make the world of difference in your long-term health. Stay on top of any indications that your well-being is diminishing and always follow your physician’s recommendations.

When someone’s health begins to decline for any reason, medical bills will inevitably grow with the increased doctor visits. This is precisely why your health insurance should also have an annual check-up! If you need your current health insurance policy reviewed or would like to know your options for a new premium, Click Here to Receive a Free Rate Quote.

Involved in an Accident? Take These 8 Steps Immediately After

Accident No one expects to be in a car accident, but in the off chance that it does happen you need to be prepared. If you find yourself in this unfortunate situation, the following steps will help you weather the storm with as little distress as possible.

Pull over

If you have been involved in an accident, the worst action you can take is continuing to drive, as this can result in serious legal ramifications. Whether you are at fault or not, pull over to the side of the road where it is safe. If you cannot move your car, turn on the hazard lights or place cones around the vehicle. Then, take a few deep breaths and allow yourself to calm down before you get out of the car to talk to the other involved parties.

Check for injuries

Check to see if you or any of your passengers have been injured. Call 911 right away, even if the injuries are minor. Although you may want to check your passengers right away, check yourself first, to determine if you are well enough to be helpful to any injured parties in the car.

Call the police

Call the police and stay on the phone with them until they arrive on the scene. Calling the police will assure that there is an official record of the accident. This will become important if either party wants to initiate a lawsuit. The police can also call for additional help if necessary once they assess the situation. Don’t forget to make note of the officers’ names and badge numbers, just in case you will need the information later.

Remain in your vehicle

Eventually, you will have to leave your car if you are able to. However, remain in your car with the seatbelt fastened until it is safe to exit the vehicle. Standing near the card can put you in danger of being hit by oncoming traffic.

Exchange information

Get the contact information of the other person or people who were involved in the accident. Important pieces of information to get include names, addresses, phone numbers, license plate numbers, driver’s license numbers, vehicle identification numbers, insurance company names and policy numbers. Also, make note of the makes and models of the other vehicles that were involved.

Talk to witnesses

Talk to anyone who witnessed the accident. Write down the information they provide and make sure they agree to let your attorney and insurance company contact them if necessary.

Take photos

Photos of the damage to your car and the other cars involved will document it in case your insurance company needs it. It can also protect you if the other party claims their injuries or the car damage is worse than what actually occurred. Also, take pictures of all of the people involved in the accident.

Call your insurance company

Call your insurance company as soon as you can to report the accident and file a claim. The faster you take this step, the quicker you will start the process of having your car repaired and obtaining a rental vehicle if necessary.

Following these steps will help you make an unnerving situation more manageable. If you’ve been involved in an automobile accident, Waitte’s Insurance Agency want’s to ensure that you’re covered financially and compensated appropriately. In between insurance premiums? You can receive a rate quote by clicking here.