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Oh deer! It’s that time of year to be especially watchful.

Westfield InsuranceWestfield Insurance

Most deer-vehicle crashes occur at dusk and dawn, October–December, during deer-breeding season.

Be prepared with collision avoidance tips and what to do if an incident does happen via Ohio Insurance Institute http://bit.ly/2cmwLX2

deer vehicle collisions

Ohio statewide deer-vehicle collisions up nearly 7% in 2015; damages also up : Ohio Insurance Instiutue – Oii

September 19, 2016 (Columbus) Ohio drivers beware. Your risk of colliding with deer may be on the rise, according to officials at the Ohio Insurance Institute…

OHIOINSURANCE.ORG

Policy change… don’t rely on someone else to make the call for you

Just last week a policyholder contacted our office after realizing that the car change he made back in July was not reflected on the November policy renewal he’d just received in the mail. At the time the trade was made, the salesman at the dealership told our policyholder that he would be calling our agency to trigger the policy change. The salesman never did…and it was a good catch on our policyholder’s part to have caught this!

There are two valuable lessons here. First, it is always a good idea to look through any policy renewal you receive to see if anything at all looks out of kilter. Second, never rely on a third party (a dealership, a bank, etc.) to order changes to your policy. If you’re acquiring a new car or refinancing your home, please notify us directly. Also, please know that anytime a request does come to us from a third party, we always contact the policyholder for confirmation. And whenever a policy change is made, your insurance company always sends you a confirming policy endorsement. If you don’t hear from us in short order and you don’t see the policy change in your mail within a few days, it’s a pretty good bet that we—and your insurance company—are unaware of the change you’ve made. Be on the safe side and always call us yourself! We are always happy to assist to make sure your insurance needs are taken care of.

The True Cost of Life Insurance

True cost of life insurance

 “I can’t afford it.”

This is one of the most common reasons people give for not having life insurance. But the truth is: It’s less expensive than you think.

People with no life insurance overestimate its cost by three times. And even those who have coverage, overestimate its cost by two times.1

Did you know that a healthy 30-year-old man would pay less than $13 a month for a 20-year, $250,000, level-term policy?2

While it is an expense that you have to budget for, imagine what the financial impact would be for your family if something were to happen to you and you had no life insurance coverage at all.

There’s a policy to fit every budget, and a life insurance agent can help you find coverage that’s right for you.

1 2013 Insurance Barometer Study, conducted by Life Happens and LIMRA
2 Best annual cost quoted by AccuQuote.com, 2013