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Most people will tell you that their biggest asset is their home. Of course, that’s why it’s so important to have the right homeowners insurance for it.

What is interesting is that, according to Erie Insurance, the five most common causes of homeowners claims come from Mother Nature, herself; and those top five causes of homeowners insurance claims at Erie Insurance include hail, wind, water, fire and the weight of snow and ice on a roof.

Tuesday, 12 July 2016 12:31

This is the time of year when, it seems, everyone is tying the knot -- strolling into wedded bliss.  All the checklists and plans are underway, and dreams of the wedding march and the honeymoon dance in your head.  But does that checklist include the possible changes to your insurance portfolio as you join two lives and become a couple?  Will you need different financial protection?  What will managing two careers as a couple mean for you?  How will merging two households affect you?

Do your future plans depend upon two incomes?  If so, your lifestyle will reflect that.  You will have expenses that you have not yet anticipated, and perhaps you have existing education loans or even medical bills to pay.  Then there's retirement... yes, it seems so far away, but who knows what the future will bring? Will you buy a home?  Will you start a family?  In fact, one never knows what life holds in store, so it is important to make plans now to protect what you have and what you expect to have.

Saturday, 20 February 2016 17:41

Drivers are distracted in many ways, including everything from dealing with children, pets and other passengers, to operating the car’s climate controls, audio or navigation device, and from eating to old-fashioned map reading.  However, by far the deadliest distractions come from talking on the cell phone and texting while driving.  Moreover, using your cell phone while driving has been found to impair your ability to drive your car just as much as driving while drunk.

Sunday, 12 June 2016 00:00

No matter where you drive – from rural roads to suburban streets and even highways around our cities – the threat of a collision with a deer is real.

Deer collision accidents are on the rise, partially because the deer are being displaced from their natural habitat by urban sprawl but also because the deer population is growing.

In fact, the Insurance Information Institute reports that over 1 .6 million deer-vehicle collisions occur each year and these accidents cause vehicle damage, injuries and even fatalities at a cost in the neighborhood of $4.6 billion. 

A Few Facts…

  • Deer collisions are most likely to occur during deer breeding season – from October through early January.
  • Prime times to find deer near the roadside are around dawn and from dusk to late evening.
  • Deer are pack animals. So if you see one, be assured that others are usually close by.

Deer Season Driving Tips

  1. Always wear your seatbelt – Sixty percent of fatal animal crashes occurred when the driver was not wearing a seatbelt.
  2. Know the likely deer-crossing zones – Whether or not a road is marked with a Deer Crossing Sign, be especially alert for deer when driving on roads or highways on the outskirts of town and in rural areas – especially where roads divide farm land from wooded land. Use your high beams – When driving at night, especially during peak hazard times, use your high-beam headlights when there is no on-coming traffic. This won’t necessarily deter the deer from entering the roadway, but it will increase visibility so that you can more easily spot the deer sooner.
  3. Know when deer are on the move – Be especially careful between 5AM and 8AM and between 5PM and midnight.
  4. Don’t rely on devices – Items like deer whistles, deer fences and reflectors have not been proven effective at deterring deer crossing roadways.
  5. Brake firmly if you notice a deer near the road – Slow down and stop if necessary.  Be careful not to swerve out of your lane either into on-coming traffic or off the shoulder and into a ditch.
  6. Keep your distance – If you do strike a deer, don’t approach it.  An injured deer is frightened and can injure you as well as further injuring itself.  If the deer is blocking the roadway, it poses a threat to other drivers; so call the authorities immediately.
  7. Contact your insurance agent – If you strike a deer and have damage to your vehicle or damage to some else’s property, notify your insurance representative as soon as possible and provide the necessary details.

 

Friday, 14 September 2018 10:42

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