8 Reasons Why You Should Get A Dashcam Now

8 Reasons Why You Should Get A Dashcam Now

Dashboard cameras, or dashcams, are becoming increasingly popular these days due to the numerous benefits of having installed in a car. It gets to record everything as you drive or even as your car is parked – all initiated by a push of a button.

The main point of having a dashcam is being able to capture crimes, accidents, cases of dangerous driving, and even paranormal and meteorological sightings all on video. These videos can also be your ticket to viral fame, especially if the captured video shows a particularly rare and remarkable sighting like the Chelyabinsk meteor in Russia.

More importantly, however, these videos are especially useful in dispute settlements and court litigations. A dashcam, when it does capture more than the roads you drive on, would provide crucial evidence which can make or break a case in court.

Here, we list some of the many uses of a dashcam, which should make you consider getting one as soon as possible:

1. Recording crime

If you drive around Metro Manila, chances are you have been a witness to a crime. But with only your testimony as evidence, you would barely be able to contribute to the resolution of the case. If you have a dashcam, you would also be able to submit to authorities videographic evidence of the crime as it was being committed.

2. Capturing bad cops

There’s no denying that there are policemen who go against their solemnly sworn duty to serve and protect the people and resort to intimidation of drivers in exchange for a quick buck. Luckily, with a dashcam onboard, these incidents can be recorded and reported accordingly.

3. Catching errant drivers

There are plenty of bad drivers on the road and they can pose great hazards to the general public. With a dashcam, you can capture their terrible behaviors and subsequently report them to authorities.

4. Road accident evidence

There would be no need for pointing fingers when an accident occurs on the road if you have a dashcam. The evidence provided by the dashcam would be useful in determining the real culprit, without having to resort to endless arguments about who made the right turn.

5. Protection against vandals and robbers

A dashcam would still protect you even when you’re not on the road. These tiny gadgets can record video while you are parked and can take footage of vandals and robbers who may try to do you wrong.

6. Preventing fraud

When people say to risk life and limb, most of them do not mean it literally. But other individuals may actually do just that to get money. There are a number of cases globally where people sprint and jump in front of cars and then pretend to get hit, with the intent of extorting drivers or defrauding insurance companies. With dashcam footage as evidence, you would not fall victim to these schemes.

7. Documenting travels

Dashcams don’t just record mishaps on the road. You can also use it to document your next road trip as well! With a little knowhow on video editing and a sprinkle of creativity, you can easily craft a travel video worth sharing on social media.

8. Insurance discount

FGen Insurance encourages the use of dashcams because of their many benefits. In fact, if you haven’t insured your car yet and you have a dashcam installed, you can get a discount from an insurance plan. Get a quote now!

What To Do If Your Car Is Flooded

What To Do If Your Car Is Flooded

Even with the start of the -Ber months, the rainy season is far from over in the country. If anything, it’s only going to get wetter, with stronger typhoons making landfall in the Bicol and Visayas regions, and possibly passing through Metro Manila.

Some of the strongest and most devastating storms to hit the Philippines, like Milenyo, Ondoy and Yolanda, entered between the months of September to November. With the possibility of heavy rainfalls resulting in massive flooding in the coming months, you may be wondering what to do in case your car is submerged in water when the next storm hits.

Here are the things you need to do in case you find yourself in a situation like that:

1.    Don’t turn the engine on

While it may be tempting to test if the car still works, starting the engine right after your car gets flooded would most likely result in short circuits which would ultimately render your car useless.

2.    Disconnect the battery

Before you start tinkering with the other parts of the car, it’s best to disconnect the car battery to keep yourself from getting electrocuted and to keep your car’s computer box from short circuiting. If you’re more savvy with the mechanics of your car, you can also remove the computer box and head unit, then spray WD-40 on the alternator and wrap it in plastic, cover the tailpipe and intake manifold and seal them with a rubber bands, and spray WD-40 on the sensors.

3.    Assess water level

Check how high the water got to. If it only reached the seats, there’s still a good chance of it running after it is fully dried. But if it reached the dashboard, you may consider getting a new car.

4.    Dry the interior

Carpets and upholstery moistened by dirty flood water are perfect breeding grounds for nasty mold which can produce unpleasant odors and can get you sick. Get them as dry as you can immediately by opening the car doors, using a wet/dry vacuum to remove water from the car, and placing towels to absorb water.

5.    Check dipsticks

Check for water droplets on the dipsticks for engine and transmission. If there are any, that’s a sign that you would need to change the oil and filter. If the water is muddy, you would also need to wash the mud out of the oil pan.

6.    Check all fluids

Newer cars usually have sealed fuel systems, while older cars may need their fuel systems drained after a flood. Check for contamination in the brake, clutch, power steering and coolant reservoirs.

7.    Call FGen Insurance

Your car insurance with FGen includes protection for AON or Acts of Nature which includes typhoon and flood. You are entitled to a claim and you must file this as soon as possible. FGen will arrange for the towing of your car to an accredited repair shop and you can rest assured that your car will be up and running again in no time.

If your car is still uninsured, you should consider getting covered. Cars submerged in floodwater high enough to reach the dashboard are usually considered as total loss as the cost of repairing them might be too expensive. Also, even if you successfully get your car run after it is flooded, it does not mean that you would no longer encounter flood damage-related issues. Flood damage may not be evident at first, and would only manifest itself months or even years after flooding.

Insure with FGen Insurance. What we give you is absolute peace of mind.

More Long Weekends Are Coming In 2018

More Long Weekends Are Coming In 2018

President Rodrigo Duterte just recently declared holidays for the next year – and people are excited. A total of 18 regular holidays and special non-working days were declared, and nine of these fall in a long weekend.

This means that you have at least nine chances to take a well-deserved escape from your daily routine to satisfy your inner wanderlust, even for just three to four days.

1. December 30, 2017 - January 1, 2018

The first long weekend occurs at the very end of 2017 and at the beginning of 2018. This long weekend happens again at the end of 2018, from December 29, 2018 to January 1, 2019. From Rizal Day to New Year’s Day, you can enjoy a festive celebration by the beaches of Dapitan, Zamboanga, where our national hero also spent time in exile.

2. February 16, 2018 - February 18, 2018

With Chinese New Year falling on a Friday in 2018, you and your partner can have a late but lucky three-day Valentine’s date in Hong Kong. Don’t forget to dance with the dancing dragons!

March 29, 2018 - April 1, 2018

It has been customary to declare Maundy Thursday, Good Friday and Black Saturday as holidays in our country. This four-day break is often used by many to go to Boracay to enjoy its white sands. Others prefer to observe the solemnity of these dates, known as the Easter Triduum in the Catholic Church. Many Catholics go on Visita Iglesia, or the practice of visiting seven or 14 churches to pray the Stations of the Cross. The Antipolo Cathedral, the historic Barasaoin Church, the ash-sunken San Guillermo Parish Church in Bacolor, Pampanga are a few Visita Iglesia favorites.

3. April 7, 2018 - April 9, 2018

Araw ng Kagitingan falls on a Monday in 2018, leaving you with enough time to head to Bataan to soak under the sun, swim in the sea, and learn some history. Make sure to stop by the 92-meter tall Dambana ng Kagitingan, which houses the names of soldiers who participated in the Death March and a museum containing World War II-era artifacts.

4. August 25, 2018 - August 27, 2018

You can get a brief vacation in the last week of August 2018, just in time for National Heroes Day on August 27. While August can still be a bit rainy, you can still manage to get to the beach and swim if you head to Cebu, which is relatively dry throughout the year. While you’re at it, you can stop by the Lapu-Lapu Shrine in Mactan to honor one of our first Filipino heroes!

5. November 1, 2018 - November 4, 2018

Filipinos have become accustomed to visiting their loved ones who have passed on during All Souls Day and All Saints Day. Many return to their home provinces to pay respects to their dead and enjoy a breather from the hectic city. If you have time to travel, you can go to Camiguin Island to dive – and see a cemetery under the sea.

6. November 30, 2018 - December 2, 2018

You can enjoy a three-day break just before the Christmas rush from Bonifacio Day to the first Sunday of December 2018. If you love outdoor trips, but don’t want to travel far, you can do a twin hike of Mount Buntis and Mount Nagpatong in Cavite, where you can visit the Bonifacio Shrine, the place where Andres Bonifacio and his brother Procopio were executed.

7. December 22 - December 25

Spend time with your family during this four-day long weekend leading up to Christmas Day. Many choose to celebrate Christmas in their homes or in shopping malls or hopping from house to house in the hopes of getting gifts and Christmas money from ninongs and ninangs. But you can definitely celebrate Christmas overseas! Why not celebrate the most wonderful time of the year at Tokyo Disneyland, the happiest place on earth?

Whenever and wherever you decide to take a vacation, it’s best to enjoy it worry free. Getting travel insurance is a great way to ensure that you are living in the moment, and not fretting about mishaps while on the road (or on the plane, or on cruise).

Fortune General offers travel insurance, and you can get a quote here.

6 Things Millennials Should Spend Their Money On

6 Things Millennials Should Spend Their Money On

Millennials already make up more than half of the workforce, which means that their purchasing power is rapidly increasing. Local studies show that millennials buy more personal care products and mobile phones and laptops, while other studies suggest that they spend more on coffee, organic food, gym memberships, craft beer, and Uber rides.

But don’t think that millennials are a spend-all generation. With millennials entering the workforce (or are unable to enter it) in the heels of the global financial crisis in 2008, this generation learned to be frugal – and whatever money they do spend, they make sure it’s money well spent.

So, what should millennials be spending their money on?

1.  Smartphone -- Most articles that tell millennials what not to buy often has this at the top of the list. But there’s more good reasons to get a quality smartphone (or a tablet) aside from being trendy. In our fast and connected world, millennials are always on the go. Having a device that lets them access the Internet and work on projects even in transit is absolutely necessary.

2. Starting a business -- Millennials must learn to harness their own generation’s purchasing power. More people who are able and willing to buy artisanal food and beverages means that restaurants and food stalls have booming businesses. It’s no wonder that most restaurants on Maginhawa Street in Quezon City are millennial-owned and are flocked by millennial patrons. If you’re going to start a business, just make sure you don’t forget to protect it through insurance!

3. Stocks -- Millennials shouldn’t just hide their money in the bank. Investing in the stockmarket is a great way for millennials to become financially secure in the long run. Stocks may be daunting at first, but a little research and a consultation with a stock broker would definitely help ease your fears.

4.  A house -- If you can afford it, buy it! While it is uncommon for young adult Filipinos to move out of their parents’ homes, more and more young professionals are trying to be more independent by owning or, at the very least, renting their own dwellings, be it a house, an apartment, or a condominium.

5. Experiences -- Research revealed that millennials are more inclined to spend on experiences rather than material things, which explains their love of coffee shops, Instagrammable food spots and travelling. Enjoying the best things in life is priceless, and getting to experience all that the world can offer is amazing. If you have enough disposable income and you really want to go the that dream vacation of yours – go for it! Pack your bags and leave your worries behind you.

6. Insurance -- Living life to the fullest is the millennial way of life. Planning your future and ensuring that everything goes smoothly even if mishaps occur makes you able to enjoy moments as they happen. Getting insurance coverage for you and your family is the best way to live life worry free.

Fortune General offers an individual and family personal account which covers policyholders and can be extended to include their spouses and children. The insurance coverage can also be extended to parents and siblings, in case the policyholder is single.

FGen’s individual and family personal account will insure people for accidental death and disablement, and unprovoked murder and assault, and also grant policyholders medical expense benefit, burial benefit, and hospitalization cash. Fear should never hold you back from achieving your goals and enjoying life.

Insuring yourself with FGen would make you live life worry free!