August 22, 2017

Protection for the People You Love

Most people wouldn’t even consider NOT putting insurance on their new home or car. You want those items repaired or replaced if they are damaged. We receive requests on a daily basis to insure cars, homes, and recreational vehicles.  But the calls we receive to purchase life insurance are less common. Why is that? Life insurance protects the people in your life, which I believe most people would agree is more important than their home or car.  I understand a person cannot be replaced and thinking about your own mortality is not necessarily pleasant, but it is necessary. Loss of … Continue reading

August 15, 2017

The Voice on the Other End of the Line: VAST’s Emergency Claims Phone

It’s 7 PM on a Saturday and you discover a major leak in your roof following a storm.  After taking care of the immediate needs of the situation, can you call your insurance agency at this time of day and week to notify them of the damage?  If you’re a client of VAST’s, the answer is YES! Other insurance agencies may be only available to take information on a claim during regular business days and hours.  VAST has an option for our clients, who have an after-hours emergency to call and receive help. Our job is to advise you to … Continue reading

August 11, 2017

Effectively Filing a Claim

Insurance is there to protect you in the event of a loss, and help alleviate the financial burden.  In the event of a property claim, you want to quickly restore your property and move forward with life. Below are some important tips to navigate filing a claim: Know what you have insured: It’s best to be proactive and keep a list of your personal property. In the event of a total loss, it’s hard to recall everything you own. An easy way to keep track is to take photos or videos of each room. Be sure to keep these documents … Continue reading

May 19, 2017

Anatomy of an Auto Accident

What happens when you’ve had an automobile accident?  Nobody truly expects to experience an accident, but all should be prepared to handle what to do after one takes place.  Take it from me, I had the unfortunate experience this winter.  I work for VAST, so I should know exactly what to do in a situation like this, right?  I learned quickly that adrenaline and chaos in a situation like this make it hard to keep things straight! Important tips I learned to act upon as quickly as possible once an accident occurs: Turn on your vehicle hazard lights and stay … Continue reading

May 8, 2017

Pedestrian Safety

As that warmer days approach (I promise, they’re approaching), the streets will be bustling with pedestrians. According to the National Highway Traffic Safety Administration, in 2015 there were 5,376 pedestrians and 818 bicyclists that were killed in crashes with motor vehicles. Whether you’re on a bicycle or going for a run, there are a few safety precautions you should take as a pedestrian. Make sure you’re visible to drivers. Wearing bright colors, reflective clothing, or flashing lights will increase your visibility and signal drivers to slow down. This is especially important around dusk and after dark. Know where you belong. … Continue reading

March 13, 2017

Travel Insurance

It’s that time of year again where we ditch the snow boots and frigid temps for flip flops and sunny skies. For those that are lucky enough to take respite from the Upper Peninsula’s infamous winters, it’s important to know how to cover yourself and loved ones while you travel abroad to your spring break destinations. Who wants their relaxing vacation to be interrupted by an unexpected sickness or injury? If you’re like me when planning a trip, I like to be extremely organized and plan for any situation. Unfortunately, you can’t always plan for the unexpected. Take the stress … Continue reading

December 23, 2016

Celebrating Safely

December is National Impaired Driving Prevention month. Seasonal festivities have begun and according to National Highway Traffic Safety Administration, traffic fatalities due to driving impaired increase significantly during the Christmas and New Year Holidays. Whenever your plans include consuming alcohol, make arrangements ahead of time for your transportation home so you do not drive impaired. Have a designated sober driver, plan to take a taxi, or arrange for a sober friend or family member to pick you up. You not only put yourself at risk if you drive impaired, but you also put other drivers, passengers and pedestrians at risk. … Continue reading

December 20, 2016

What You Can Learn From My Mistakes

I want to help save you from experiencing some of the same winter woes that I have. The first is being aware of where you park your car this time of year, as there can be falling ice from roofs.  When the weather gets cold, then warms up, ice may fall onto your vehicle and wake you up in a panic in the middle of the night as it did to me. This is important to be aware of for many different reasons. Thank goodness it was just a vehicle it fell on! If you own rental dwellings, be sure … Continue reading

December 16, 2016

Can my Child Stay on my Health Plan if He/She Gets Married?

As a parent, you will see many life changing events with your child. When major life events occur, you may question if your child’s eligibility to be covered on your health care coverage changes too. Don’t fret. Children up to 26 years old are still eligible to be insured under your health plan, regardless of any of the following circumstances. o Getting married o Having or adopting a child o Living out of the state o Attending or leaving college o Moving out of parents’ home o Not being claimed as a tax dependent o Child declining health coverage through … Continue reading

December 15, 2016

Christmas Fire Safety

The U.S. Fire Administration (USFA) is currently running a campaign to “Put a Freeze on Winter Fires”.  The emphasis for this is holiday fire safety.  Fire hazards this time of year include not only Christmas trees, but also many of the holiday decorations and the cooking of the holiday treats we all enjoy.  There are a few steps that you can take to be sure the holidays remain a safe and happy time of year. According to the study completed by the National Fire Protection Association (NFPA), from 2009-2013 there was an estimated average of 210 reported home fires where … Continue reading

National healthcare open enrollment starts November 1, 2017 and ends December 15, 2017.

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