Bensman Risk Management, Inc.

Insurable Interests

Bensman Risk Management, Inc.
2333 Waukegan Road Suite 275
Bannockburn, IL 60015
847-572-0800 Phone
847-572-0502 Fax

Insurable Interests may offer general financial, insurance, tax and business ideas. However, due to the ever-changing tax laws as well as the complexity of the financial industry, you should seek professional advice before implementing any of the ideas contained in this newsletter. The Bensman Group, Bensman Associates Ltd., Bensman Risk Management, Inc. or Schemata, L.L.C. assumes no liability whatsoever in connection with the use of this newsletter.

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Securities offered through Kestra Investment Services, LLC (Kestra IS), Member FINRA/SIPC. Investment Advisory Services offered through Kestra Advisory Services, LLC (Kestra AS). Kestra IS and Kestra AS are not affiliated with The Bensman Group, Bensman Associates Ltd., Bensman Risk Management, Inc. or Schemata, L.L.C.

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Insurable Interests

Vol. 9, Issue 6February 2014


Your Car in Winter

Most of America has been freezing and shoveling much more than normal this winter. The cold and snow pose special problems for cars, both before you set out and once you are on the road. Here are some tips for staying safe until spring:

  • To lessen the drain on your battery and give you more power when starting a cold car, turn off your headlights and accessories such as the radio and heater before you try to start the car.

  • Let your car warm up for five to 10 minutes before you start to drive. Then, when you do set out, take it easy until the outside of your car and your tires have had a chance to get warm.

  • Check your antifreeze and coolant levels regularly. Also, check your window washer fluid and make sure it is full before you start driving.

  • Make sure your gas tank is at least half full at all times to keep your gas lines from freezing.

  • Ask your mechanic whether you should switch to a winter oil to provide your engine with extra protection against the cold.

  • Take time to wash off your headlights and taillights every time you fill up with gas – and in between, if necessary. Salt and road grime can cake on your lights, leaving you with much less visibility.

  • When you brush the snow off your car, make sure you also clear the headlights and taillights.

  • If you are parking outdoors and snow is expected, pull your wiper blades back from your windshield. That makes it easier to clear your windshield, and it also lessens wear and tear on your blades.

  • Check your tire pressure, especially if you don’t have an electronic sensor that checks it for you. Because cold air is more dense, you can end up with insufficient pressure. The manufacturer’s recommended inflation pressure for your vehicle usually is posted on a sticker inside the door frame on the driver’s side.

  • Keep emergency supplies in your car in case you are stranded. Make sure you have extra blankets, a small shovel and a fully charged cell phone. You don’t even have to be traveling a long distance to be stranded; snow, ice or an accident can stop traffic for hours.
Finally, be sure to drive especially carefully in this weather. Roads can be snow-covered and/or icy, and falling or blowing snow can lessen visibility significantly. Allow extra time to get where you are going, and be aware that both you and other drivers might not react as quickly as usual. If you have questions about your auto insurance or any other issue, please contact us at 847-572-0820 or

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