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Being involved in an accident can be a very stressful event. To help you protect both yourself and your interests, we have provided some basic hints: ▪️ Call the police immediately, and an ambulance if necessary. ▪️ Do not admit liability. ▪️ Record details of the accident including date, time, location, a description of the […]

You received your car insurance renewal and the price has gone up – without explanation as to why. Unfortunately, many of the reasons for a renewal increase come from factors within the insurance marketplace and are outside of your control. Insurance industry actuaries refer to rate increases as “rate adequacy.”  The insurance industry is a major

Every dollar counts, especially during retirement. Our team has prepared a quick checklist to help you uncover insurance savings and protection that you could be eligible for. This is a generic list of possible discounts and recommended coverage typically associated with protecting the retiree lifestyle.  Additionally, it’s important to build a relationship with your insurance

There are many things you can do to the exterior of your house or in the yard to deter burglars and make it more difficult to force entry.  ▪️ Keep your shrubbery cut back so that it doesn’t block windows and doors. ▪️ Secure window air conditioners from the inside. ▪️ Illuminate as much of

Creating a car survival kit can help you be prepared for most roadside situations. You can store this kit somewhere out of the way, such as under a seat, tire compartment or in the trunk.  Some items you want to include in your car in case of an emergency: • Jumper Cables• Flares or triangle

▪️ Read your vehicle owner’s manual to understand its maintenance needs. ▪️ Maintaining your vehicle according to the manufacturer’s recommended maintenance schedule will go a long way in extending the life of your vehicle and spotting minor problems before they become major repairs. ▪️ Have your vehicle checked by a qualified mechanic whenever you notice

▪️ Avoid overloading of electrical outlets, particularly in older buildings equipped with fuses instead of circuit breakers.  ▪️ If existing electrical service is inadequate, ensure that any required electrical modifications are done by a professional electrician.  ▪️ Ensure that life and safety features such as fire alarms, exit signs and emergency lights are operational and

Far too often, an animal darts out of the woods alongside the road—a situation that could easily turn into an accident. These unfortunate collisions not only affect the poor animal but may also cause significant damage to you, your passengers and your vehicle. Fortunately, there are measures you can take to help avoid these circumstances.