Archive

Archive for January, 2020

Sledding Safety

stockvault-children-have-fun155904.jpg

(Photo courtesy StockVault.net)

 

Sledding Safety

 

Wintertime is here (or will be soon in Michigan!) and lots of winter sports will be available from skiing & snowboarding to sledding! Before you hit the hills with your super-fast saucer sled, check out these tips we gleaned from the article found at Nationwide Kids. Be sure to check out the full article for even more tips!
– Dress Warm. Make sure kids are dressed appropriately with either a snow suit or jacket & snow pants. Gloves, hats, & boots are a MUST!

– Choose the Right Sled. For the younger kids, choose a sled that is steerable so they have a little more control. Older kids with a little more experience should be able to handle the sheet-type sleds, saucer sleds, & toboggan-type sleds.

-Always Have an Adult. An adult should always accompany your child(ren) when sledding in case of accidents and to keep watch for child predators.

– Feet First. Always sled feet-first, using your feet to turn/brake if necessary.

– Watch Where You Sled. Choose a sledding area that is not near a street or body of water. Never sled down a driveway, parking lot, or anywhere cars are present.

Be sure to read the full article from Nationwide Childrens for more information on being safe while sledding!

 

Contact Us!

At Marsilje & Vander Plow Insurance Agency, we can work with you to make sure you’ve got the coverage you need, while at the same time using all possible credits and discounts to make that coverage affordable. Just give us a call at 616-396-1497 or send us a note at marsiljeins@gmail.com. We want to help you meet your goals, and make sure what’s important to you is protected!

Categories: Uncategorized

Snow Removal Safety Tips

stockvault-snow-blower217747.jpg

(Photo courtesy StockVault.net)

 

Snow Removal Safety Tips

 

The Great Lakes area is predicted to get up to a foot of snow within a 24hr period this weekend. We felt it best to share some tips on being safe when digging yourself out of the white stuff. We found this article from Replacement Commercial Parts Warehouse with all sorts of tips whether you’re shoveling, blowing, or plowing your driveway:

– Check your health. Consult with your physician to make sure you are well enough to handle the snow removal duties. Removing snow can put significant strain on your heart. If you have existing medical conditions, consider hiring someone to come out to remove the snow than to risk a serious medical event.

– Dress warm & keep your vision clear. Dress in layers and keep your eyes clear of scarves & hats. Dressing in layers will help with insulation & allow body heat to ventilate to cut down on excessive sweating. Wear appropriate footwear & gloves.

– Start early. Remove snow more frequently so that you are only dealing with light layers of snow rather than waiting for it all to come down or become difficult to manage.

For Snow Shovelers:

– Warm up & pace yourself. You should warm up your muscles with some light stretching & pace yourself. Take breaks when needed, don’t be a hero and try to finish everything in one go.

– Proper equipment & technique. Make sure your shovel/snow pusher is in good condition and is comfortable to use. Using a shovel that doesn’t fit will cause muscle strain & fatigue much quicker. Push the snow when you can rather than lifting and throwing.Squat and don’t bend at the waist, certainly don’t twist your torso when tossing snow.

For Snowblowers:

– Clear the area and your snowblower. Make sure the area is cleared of things that could get stuck in the blower such as sleds/doormats/wires/etc. Also make sure your snowblower is in good working condition with plenty of fuel.

– Clearing jams & watching cords. Turn the engine completely off when clearing a jam in the snowblower & watch the electrical cords if using an electric snowblower.
For Snow Plows:

– Get rest & check equipment. Make sure you are plenty rested before getting behind the wheel. Also inspect your vehicle and the snow plow to make sure everything is in good running condition. Make repairs/adjustments before going out.

– Pace yourself & know your limits. Take your time snow plowing, watch out for people/animals/debris that may be hidden by the snow. You should mark the outlines for the area you are going to plow to help avoid those hidden obstacles & minimize damage to property & your plow/vehicle.

The article at Replacement Commercial Parts Warehouse has many more tips for safely removing snow from your property so be sure to check out the full article!

 

Contact Us!

At M. Vander Plow Insurance Agency, we can work with you to make sure you’ve got the coverage you need, while at the same time using all possible credits and discounts to make that coverage affordable. Just give us a call at 616-396-1497 or send us a note at marsiljeins@gmail.com. We want to help you meet your goals, and make sure what’s important to you is protected!

Categories: Uncategorized

When It Pours

stockvault-pose187296.jpg

(Photo courtesy StockVault.net)

 

When It Pours

The state of Michigan passed a bill that will revamp the current auto insurance laws in an effort to reduce insurance costs for consumers. Among the changes coming is a change to the minimum liability limits required for registering/operating your automobile. Currently the state of Michigan requires minimum insurance limits for Bodily Injury Liability to be $20,000 per person and $40,000 per accident. The new limits effective 07/01/2020 will change to $50,000 per person and $100,000 per accident for newly-written business or defaulted to $250,000 per person and $500,000 per accident for current insurance holders (which can be lowered via a signed selection form).

With the liability requirements for auto insurance increasing, we surmise that the state of Michigan is expecting an increase in Bodily Injury lawsuits due to policyholders choosing inadequate medical coverage for automobile accidents. Because of this, we are recommending people purchase an Umbrella Liability policy to help add an additional layer of liability to protect their assets.

What is an Umbrella Liability policy?

– A secondary or “excess” liability policy that covers losses in excess of the limits contained in your auto/home/watercraft/motorcycle/recreational vehicle insurance policies.

– The base limit is $1,000,000 with the ability to purchase more coverage in some cases of up to $10,000,000 subject to additional underwriting guidelines.
What does it cover?

– The portion of a settlement or judgement that exceeds the underlying policy’s liability limit as well as legal fees associated with the lawsuit.
– If the underlying policy covers the loss, the Umbrella Liability policy also covers the loss.

– Some examples would be serious bodily injury, significant property damage, libel or slander, & malicious prosecution.

Do I need an Umbrella Liability policy?

The questions you need to ask are:

– What is my current net worth? (what you own minus what you owe)

– What is my future income? (how much will your annual income be until you pass away)

– What are my future financial liabilities? (children’s college, retirement plan, etc.)

If you’re in your early 20’s, single, broke, a renter and in reasonable good health, you could get away with not having an Umbrella Liability policy. But if you’re married with an established family and some assets such as a house, you may want to consider purchasing an Umbrella Liability policy to cover those assets in case of a liability lawsuit.

What does an Umbrella Liability policy cost?

– Depends on the carrier/underlying policies/rating details. Typically a $1,000,000 Umbrella Liability policy can be had for less than $200/yr.

 

 

Contact Us!

At M. Vander Plow Insurance Agency, we can work with you to make sure you’ve got the coverage you need, while at the same time using all possible credits and discounts to make that coverage affordable. Just give us a call at 616-396-1497 or send us a note at marsiljeins@gmail.com. We want to help you meet your goals, and make sure what’s important to you is protected!

Categories: Uncategorized