Coye Law - PI - August 2019

You’re Getting Very Sleepy ... Establishing a Bedtime Routine for the School Year

bed around 10 p.m., push their bedtime to 9:45 p.m., and then push it back to 9:30 p.m. one week later. Slowly work your way back to an appropriate time, and bedtime will be easier when school starts. Make It Easy Though the days may be getting shorter, it’s still relatively light out at night, making it nearly impossible for your kids to doze off when they should. Sleep experts recommend creating a sleeping space that mimics a cave: dark, cool, and quiet. This means sunlight shouldn’t sneak into the room, and the home should be a quiet zone after bedtime. No one wants to sleep while everyone else is having fun, so it’s important that everyone in the home is quiet at bedtime. Just Relax This is a rule your family should follow year-round, not just when you want to reestablish a routine. At a certain time each night, begin the nightly wind-down. For example, at 8 p.m. shut off your screens, put on pajamas, and engage in a relaxing activity, like reading a book or doing some yoga. Signaling to your body and your family that it’s time for bed will help your kiddos, and you, fall asleep at an appropriate time.

Between vacations, bonfires, and sporting tournaments, your children’s sleep schedule probably went on break when they did this summer. With school fast approaching, it’s vital to get your kids back on a proper sleep schedule. In fact, according to the National Sleep Foundation, getting enough sleep can significantly improve a child’s growth and cognitive function.

But getting a restful night’s sleep is easier said than done when kids have had almost complete freedom for three months. Try these tips to get your kids snoozing through August and prepared for school. Start Early and Go Slowly When practicing this tip, think of the old adage: “It takes 21 days to break a habit.” If your kids have been going to bed late this summer, set a time when they must go to bed, but don’t make it too far off the time they have been regularly hitting the hay. If they shuffle off to

Car Insurance FAQs Policy Details, What to Do After an Accident, and More

uninsured. If you’re in an accident with one of them, UM helps defray the cost and keeps you from paying out of pocket.

Let’s face it, car insurance is a lot more complicated than simply paying a company for coverage and receiving it in the event of an accident. Often, people won’t even know the exact nature of their policy until an accident happens. To alleviate the mystery and misconceptions surrounding policies, we want to take a moment to answer the most frequently asked questions we get about car insurance. How much insurance do I need? Florida drivers are required to carry $10,000 in personal injury protection (PIP) insurance and an additional $10,000 in property damage liability (PDL) insurance. Is that enough? In most cases, not by a long shot. If you’re in a car accident that includes 10K worth of property damage, there’s a good chance the medical expenses will exceed that number. As such, we recommend that most drivers add bodily injury liability (BIL) insurance to their policy. Are there other coverages worth getting? Yes. We also advise drivers to make sure they get uninsured motorist (UM) coverage in their policy. Despite the fact that car insurance is legally required for all drivers, about 25% of cars on the road are

Do I need to call insurance after an accident? Not necessarily. If damage is superficial and inexpensive, it’s often cheaper and easier to avoid contacting insurance altogether. However, you are going to want to contact your provider in more serious cases. When the other party is contacting their insurance company, you should be too. When should I speak to my insurance company? The best time to contact your insurance company after an accident is as soon as it’s safely possible to do so. When it comes to the other party’s insurance, on the other hand, you should speak to an attorney before talking to them. Can you help me understand my insurance? The team at Coye Law can help with every aspect of your car accident case, including analyzing your policy. Call Coye Law Firm at 407-901-9135 for more information.

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