|Posted on September 6, 2016 at 1:25 PM||comments (0)|
|Posted on August 21, 2016 at 9:05 PM||comments (0)|
A Few Tips for the College-Bound
College is expensive enough without the added cost of unexpected accidents or theft, not covered by your insurance policy. If you have a student heading away to school, below are a few tips to help you get the most out of your coverage.
HOMEOWNERS (varies by state)
• Personal Property: Most homeowners policies will cover personal property for up to 10% of your total policy while your child is residing at school (a $100,000 policy equals $10,000 in coverage). Not all types of damage are covered, so read your policy carefully. Some items such as jewelry or expensive electronics, require special coverage. Renters insurance is strongly recommended.
• Liability Coverage: General damage to a dorm room or apartment is not usually covered.
• Documentation: Creating an inventory of the items your child is taking to school is a good idea. Use photographs and keep receipts.
AUTO (varies by state)
• Car Stays Home: Keep your child listed on your auto policy if they will still drive your car while at home on school breaks.
• Car at School: Make sure to notify us if your child will be taking a car away to school. In most cases, if the car is registered to you and listed on your policy, it will be covered.
• Driving a Friend’s Car: Students are generally covered if they are listed on their parent’s policy and are not regularly using the vehicle. The coverage would be secondary. The insurance for the friend’s vehicle would be the primary coverage.
• Discounts: A full-time student meeting certain academic requirements can qualify for a good student discount. Distant student discounts may also be available. Drivers under 21 who have completed driver’s education may also get a discount.
Before your child leaves for school, call HAINES-ROSS AGENCIES, INC. at 248-476-7555. We can walk you through the steps to ensure you have the right coverage. We’re here to help!
|Posted on August 21, 2016 at 8:10 PM||comments (0)|
Lightning Facts and Fallacies
The next time you see or hear a thunderstorm in your region, you might want to take a moment to review what you know about lightning safety. Strikes are most common during the summer thunderstorm season, but they can happen at any time of the year. And, a lot of less-than-accurate ideas about lightning have found a place in the popular imagination over the years. Here's a look at current knowledge.
• The safest place to be during a storm is typically indoors, but it is important to avoid anything that conducts electricity – metal, landline phones, appliances, wires, TV cables and plumbing.
• Automobiles can be safe havens thanks to the metal frame that diverts the electrical charge. Don't lean on the doors during a storm, though.
• Don't look for shelter under a tree. If lightning hits its branches, a "ground charge" could spread out in all directions.
• Don't lie flat on the ground. This makes you even more vulnerable to a ground charge.
• Don't crouch down. Once recommended, the "lightning crouch" has been discredited – it’s not likely any safer than standing if you’re outside during a storm. Instead, get inside or into a car.
Where Strikes Will Happen
• Contrary to folk wisdom, lightning does indeed strike twice in the same place. The best example is New York City's Empire State Building. It was once a lightning laboratory due to being struck scores of times every year.
• Lightning doesn't only strike the tallest objects. Although tall, pointy, isolated objects are often hit, lightning has been known to hit the ground instead of buildings and parking lots instead of telephone poles.
• The presence of metal doesn't affect where and if lightning will strike. Neither mountains nor trees contain metal, and both get struck. However, metal is a conductor of electricity, so avoid it during any storm.
• Strikes don't just happen in areas where rain is falling. Even if you’re miles away from a thunderstorm, lightning can still occur.
Finally, it's important to remember that you won't be electrocuted if you touch someone who has been struck – the human body doesn’t store electricity. So, by all means, give a lightning strike victim first aid. You might just save a life.
|Posted on August 21, 2016 at 7:35 PM||comments (0)|
The right auto insurance policy can help get you back on the road quickly if your car is damaged or destroyed by accident, fire, theft, or other covered event. Your policy may also provide protection against medical and legal expenses resulting from injury, loss of life, or property damage caused by an accident involving your vehicle.
An auto insurance policy is a contract between you and an insurance company. You pay a premium, and in exchange, the insurance company promises to pay for specific car-related financial losses during the term of the policy. Work with us to determine the best coverage for you.
Insurance for cars, trucks, boats and more!
HAINES-ROSS AGENCIES, INC. can insure your Motorcycle, Classic Car, Motor Home & RV, Boat & Jet Ski, and ATV too! Contact us 248-476-7555 for more information today!
Michigan – How much auto insurance is right for you?
Based in Wayne, Oakland and Macomb Counties our team understands the auto insurance needs of our customers.
Auto insurance requirements vary by state. In some states, to drive you must carry:
• Liability coverage – to pay for losses you cause others, or:
• No-fault coverage – to pay you and your passengers for medical and related expenses caused by injuries from a car accident, regardless of who is at fault, or
• Both liability and no-fault coverage.
We write insurance in Michigan and would be happy to help you ensure you have the right coverage for where you live.
Even in states where coverage isn’t required, drivers must, by law, be able to pay for losses they cause others. Having insurance is the simplest way for most people to comply. To finance a car, it is usually necessary to have insurance which covers damage to your vehicle. This includes:
Collision insurance coverage pays for damage caused to your vehicle in an automobile accident. Standard collision coverage will pay for any repairs up to the fair market value of your car. Collision coverage usually also comes with an insurance deductible. It’s the amount of money you pay toward repairs before your collision insurance kicks in. The higher the deductible you’re willing to pay, the less the collision coverage will cost.
Comprehensive Insurance (Other than Collision)
Comprehensive insurance covers damage done to your car in some way other than a collision, such as if it were stolen or vandalized. Flood, hurricane, theft, windshield damage and fire are also events usually covered by comprehensive car insurance. Like collision, comprehensive will pay up to the fair market value of your car (less your insurance deductible). And although it’s not legally required by any state, you will probably need it if your car is financed.
Every person is unique – talk to us 248-476-7555 today to find out how to get the best price and value on auto insurance for you.
HAINES-ROSS AGENCIES, INC: Call for a quote today at 248-476-7555
|Posted on July 27, 2015 at 6:30 PM||comments (0)|
Guest Blogger: Jean Mabry- Clark-Theders Insurance Company– BBB Accredited Business
Did you ever wonder what would happen when your tree falls on your neighbor’s house during a wind storm? Who would be responsible? Will your homeowner’s insurance policy cover their damage? This would be considered an act of Mother Nature and is not covered unless it was caused by your negligence. This particular question is one that comes up often since we have so many hail and wind storms during this time of the year.
As a homeowner, it your responsibility to maintain your property, including your trees to ensure that any dead limbs or dead trees are cut off or cut down.
Also, if you notice that your neighbor has some dead trees and or dead tree limbs, make sure you speak with them about the situation so they are aware of the issue and ask if they are planning on cutting them down. If you do not receive a positive response from them, then the next step would be to send them an official letter stating “they may be held liable for all of the damages if the tree falls on your home since they failed to take action and liability would be paid under their homeowners liability coverage and the claim might increase their renewal premium.” I would keep a copy for your file and send your insurance agent a copy.
If a neighbor’s healthy tree falls on your home, your homeowners insurance policy would respond to damage and debris removal. The same is true for their policy if one of your healthy trees falls on your neighbor’s home. Again, your next door neighbor cannot be responsible for damages done by their healthy trees to your home. However, helping each other clean up would be very neighborly.