September 2024 Personal Lines Newsletter

Are you ready for Fall?

Schools are back in full swing now,  and the weather is looking like it is finally ready to cool off.

Did you know that this time of year sees the most accidents involving deer?  That’s right, the deer are very active this time of year and it is when we see most of our deer collision claims in the agency.  Check out the section below.

Fall is also a great time to go through your home maintenance list to get things repaired and serviced.  Things to get serviced would be: HVAC, Chimney, Gutters, Water Systems, etc.   If you need a referral to any of the services above, please let me know.  We work with, and insure, several reputable contractors in these areas of expertise.

Now on to other related topics below:

Deer Collisions: How to Stay Safe on the Road

Fall Home Maintenance Tips

Importance of Disclosing All Drivers to Your Auto Insurance Carrier

Huff Insurance Happenings!

Deer Collisions: How to Stay Safe on the Road

As I mentioned above, the deer are very active this time of year.  It is the beginning of their mating season, and also the beginning hunting season.

In my blog, I go over what to do when a deer collision is unavoidable.

First things first: don’t panic. If you see a deer in your path and a collision is inevitable, it’s critical to handle the situation correctly to minimize harm. Here’s what you should do:

1. Stay Calm and Focused: Panic can lead to bad decisions. Keep your wits about you.
2. Hold on to the Steering Wheel: Maintain control of your vehicle.
3. Apply the Brakes: Slow down as much as possible.
4. Aim Straight Ahead: Do not swerve; aim straight at the deer.

The blog goes over the consequences of swerving to miss a deer as well as some preventative tips to take.  You can read the full blog Here.

Fall Home Maintenance Tips

As fall arrives, it’s important to prepare your home for the colder months. Essential tasks include cleaning gutters, sealing windows and doors, inspecting the roof and chimney, and servicing your heating system. Protect outdoor furniture, prepare your lawn and garden, and ensure proper insulation and ventilation. Don’t forget to test smoke and carbon monoxide detectors to keep your home safe. These steps can help prevent costly repairs and ensure a warm, energy-efficient winter.

Click here to read the full article.

Importance of Disclosing All Drivers to Your Auto Insurance Carrier

Disclosing all drivers on your auto insurance policy is crucial for accurate coverage. Omitting information, like a teen driver or occasional users, can lead to claims denial, policy cancellation, retroactive premium adjustments, and in some cases, criminal legal charges can be filed.  We have heard of insurance carriers perusing fraud claims.  In Maryland, the threshold for a crime to be considered a felony is only $300.

Insurance companies assess risk based on the details provided by you on the application.  And incomplete information can leave you underinsured or facing legal penalties. To avoid complications, regularly update your policy with driver and vehicle usage changes.

Click here to read the full article.

Huff Insurance Happenings:  

Join us in wishing Hayley a very happy September birthday.   Hayley has moved from our front desk to the commercial lines assistant role since her last birthday.

Hayley is also became a homeowner in September.  So join us in congratulating her on her home purchase as well as a happy birthday!

Please let me know if there is any way I can help you or your family.

I want to personally thank you for your support over the past 64 plus years.

Gratefully,

Nancy Nicklow
President