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

December 13, 2016

How Long Will Your Group Health Plan Cover Your Child in Michigan?

Life moves quickly. It feels like yesterday you watched your child take his or her first wobbly steps. Today they’re confidently stepping across the graduation stage. Tomorrow you’re anxiously stepping into the hospital to meet your first grandchild. No matter what your child’s next step is, you want to be there for them. That includes being there when it comes to their health insurance coverage. Many parents with children on their health plan are unsure if they must remove their child the moment they turn 26. Wondering how long your child can stay on your plan is a common concern … Continue reading

December 9, 2016

Holiday Home Safety

Tis’ the season for indoor trees, candles, fireplaces, and gatherings with family and friends. I have some tips for you to keep your home and family safe during this time of year. Place your tree several feet away from any heat source. Live trees can dry out quick, so be sure to water it as often as necessary. Check your light strings and extension cords to be sure they aren’t damaged or frayed. Always unplug decorative lights before you leave your home or when you go to sleep. Never leaving a burning candle unattended. Remove stockings that are hanging from … Continue reading

November 23, 2016

Five Tips for Safe Winter Driving

Winter is upon us. Well, maybe not officially, but we do have snow on the ground!  I enjoy the snow and outdoor activities, and often need to drive to get to them. Here are some tips for safe winter driving: Clean the snow and ice off of your windows, lights, and mirrors before you start driving. You need to see and be seen by others! When stopping, slow down sooner. It takes longer to stop on snow or ice. Bridges and ramps can get icy before the roads do, so take extra caution on them. Allow plenty of space between … Continue reading

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