Blogs | Page 32 of 37 | VAST Insurance Agency | Marquette, MI
January 28, 2013

Fast Facts From Michigan’s Personal Injury Protection Reform Argument


Governor Snyder is currently doing his best to push for the lowering of Michigan auto insurance rates through Personal Injury Protection [PIP] reform.  This includes recognizing that Michigan is currently the tenth most expensive state when it comes to no-fault insurance. What is PIP and how does it affect Michigan drivers?  PIP is a specific coverage that is found on all Michigan auto policies.  In this state, if you are injured in an auto accident, you have access to lifetime unlimited medical care.  In order to fund this type of system, the state of Michigan has established an organization called the … Continue reading

January 21, 2013

10 Cheap and Easy Ways to Lower Your Energy Bill This Winter


Winter is a high energy use time period due to many things like holiday lights, increased time spent indoors, and cold temperatures.  For the family who is concerned about their energy consumption, here are some easy and affordable ways to reduce it. Caulk and/or weather strip your windows, doors, ceiling fixtures, outlets and other small areas that could be leaking air. Check your appliances – the numbers vary, but close to 30-40% of your households electricity use could be coming from your appliances.  (Turn your refrigerator to 37 degrees, use the air dry function on your dishwasher, wash clothes on … Continue reading

January 14, 2013

Fireplace and Woodstove Care for Winter


Believe it or not, winter is almost at it’s peak.  We are coming into the coldest and most severe part of the year from a weather standpoint.  It is at this time which fireplaces and woodstoves are used most heavily.  While these supplemental heating sources not only help our energy bill, but give us a warm fuzzy feeling  – it’s understandable that their utilization goes up in the winter months! With increased use, comes increased potential for house fires and smoke damage.  It is vitally important to keep a watchful eye on your supplemental heating units to avoid putting yourself … Continue reading

January 7, 2013

Protect Your Home from the Abominable Snowman


It has become habit for many to buy snow-tires and get a tune-up on their car before the winter season, but what are you doing to protect your home from Mother Nature’s fury.  It’s easy to say, “Oh my home’s fine.  I’ve never had anything happen before.”  Well, next thing you know, your roof collapses and you’re watching the big game on your very own snow couch. You’d be surprised how a few simple steps can help protect your home from the Abominable Snowman. Protect your Pipes Prevent the nightmare of a pipe bursting this winter by following a few easy … Continue reading

December 19, 2012

Transfer + Evacuation Planning for Hospital Systems


I am an Apple user and a huge fan of the iPhone.  One of the app’s that I like to use on my iPhone is USA Today’s breaking news alerts.  Whether it is every day or every few days I receive an alert on my phone showing: Breaking News: Title of Story.  Unfortunately, the news alerts have become increasingly negative in nature.  Example: The Connecticut Elementary School Tragedy.  Each event traditionally brings a review of the disaster recovery plans, lock down procedures, security measures, etc… The following will outline some key aspects surrounding disaster recovery plans for Healthcare Facilities (Hospital, … Continue reading

December 5, 2012

3 Types of Medical Malpractice Insurance Policies


National data will show that physicians continue to gravitate out of private practice.  Ironically, these past few months I have seen multiple solo physician practices open. A physician who starts a practice from scratch faces many challenges: Insurance for their business Personal Insurance – Life, Disability, Business Overhead, Long-Term Care, etc… Loan for their equipment/real estate Third Party Payer relationships and billing Employees Electronic medical records Etc…. While the intent of this blog is not to solve all problems, but to provide some clarity on “What type of Insurance do I need to buy for my business and specifically what type of Medical … Continue reading

November 5, 2012

5 Helpful Tips When Filing an Insurance Claim


We make it our business to be ready, if and when our clients need us the most.  This comes at the time of an insurance claim.  Every insurance company works differently but we have found that there are specific measures every property owner should take when experiencing a claim.  Taking the proper precautions from the start can greatly reduce the time and energy spent by all parties.  Whether you’re talking home or auto, read on to find out what you should do to maneuver through your claim. Report all claims immediately – the sooner you report an auto or homeowners … Continue reading

October 31, 2012

3 Trends in Cyber Liability + Hospital Data Breaches


Like most days, I began my Tuesday morning (yesterday) by watching the news and surfing my favorite sites and apps for what is going on the in the world today.  To my friends, family and all others out east be safe and help others in any way possible.  The “Sandy Storm Tracker,” looks like things are pretty rough, but know everyone out east will pull together like our country always does.  Best wishes to all.  Ok, now back to my news surfing.  At about 5:30am, I noticed an article from the Montgomery Advertiser in Alabama.  It appears that another hospital … Continue reading

October 29, 2012

4 Simple and Effective Ways to Monitor your Teen Driver


Teen drivers continue to be an important topic for our clients. Lately, we’ve had many questions regarding different ways for parents to protect their teen drivers once they’re on their own. Letting go is the hardest part, so here are four ways you can make that easier. There’s an app for that In the era of the smart phone, there is an interesting spin on this. How about an APP to help protect your teen driver? There are many options out there including Protector which is an in-car tracking system that does some cool things like impair your child’s smart … Continue reading

October 24, 2012

Lessons Learned – Risk Management + Insurance Plans for a Crisis


Whether you are a late night talk show junkie, an early riser who loves the daily news, a social media fanatic, or a talk radio enthusiast (if you know me I am a mix of all four depending on the day); one thing is for sure, you will hear a significant amount of discussion surrounding healthcare.  Much of this discussion will be used in the context of the upcoming presidential election and specifically the review and fact checking of the last two presidential debates.    One event in the news has probably received less overall media attention due to the increased … Continue reading

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