Your Duties in the Event of a Loss

When your family or business suffers a loss or damages you have several responsibilities that you need to take per the conditions in your insurance policy. 

 

Below you will find some highlighted duties you have after you discover you have suffered a loss. 

 

- Give prompt notification to your insurance agent of the loss. You should include information such as when, where, who, and how.

 

- Take all reasonable steps to protect the property from further loss or damage. 

 

- Notify the police if the loss appears to be a result of a violation of the law such as theft or vandalism.

 

- Furnish to the insurance company inventories of the damaged property and permit for them to inspect the property and your records.

 

- Cooperate with the insurance company with the claims process including submitting to an examination regarding the loss.

 

- Sign a sworn proof of loss for the insurance company.

 

We represent several top rated insurance carriers that pride themselves on their claims handling and experience. In the event of a loss we are there to guide you through the process and make sure you are taken care of the way you deserve. 

Driving Tips for Deer Season

It appears from the photos on Facebook and circling the web that this hunting season has been a success for area hunters. Sadly, this deer season has also had its share of car/deer accidents resulting in injuries and car damage for thousands of motorists throughout mid Michigan.

Having a deer run into your path while on the road is a very scary thing, if you're not prepared on what to do. Being quick to act and knowing some of these preventive techniques will go along ways for the safety of you and your passengers.

Preventative Techniques

- The most important safety tip is to travel at posted speeds or below them. The more conservative you are with your speed, the more time you will have to break for a deer.

- Drive with your lights on for better visibility.

- Scan the side of the roads for eyes shining in your headlights.

- When possible, drive with your high beams on. This is another trick to increase visibility which can help with your reaction time.

- Pay attention to the signs along roads that warn of high deer traffic areas. These signs are there to indicate problem areas for motorists and should not be ignored.

- Wear your seat-belt.

Where are the deer?

- Deer are frequently found in highly wooded areas and mostly on the outskirts of towns. Although it is not uncommon for people to see them within suburban areas.

- Deer travel in large packs. If you see one, you can assume that there are several more nearby.

- From October to January, Deer, are in heat and breeding. The effect of this is that they are highly active and tend to be on the move during prime hours such as dusk and dawn.

What to do when seeing a deer

- The golden rule is to never swerve to avoid a deer in the road. Swerving can cause for you to lose control of your vehicle, resulting in a potential head on collision, driving into a ditch or tree, which can lead to more serious injuries and vehicle damage.

- Slow down when you spot a deer.

If you have the unfortunate luck to actually hit a deer call the proper emergency services that are needed. If no one is injured it is still a good idea to get an official police report of the incident for documentation for the insurance company.

Stay alert and safe travels!

The Results Are In....

With over 50 golfers participating on a gorgeous sunny July day, the results are in for the 2013 Spalding Insurance Golf Classic! With the generosity of our hole sponsors, and those who joined us at Glenbrier Golf Course, $2,251 was donated to the Perry-Morrice-Shaftsburg Emergency Relief Council. 

In just 10 years of tournament play, over $20,000 has been donated to this worthwhile cause, and a big THANK YOU to those who make it possible each year.

Our 2013 Hole Sponsors included:

Unique Touch Housekeeping

The Shirt Smith

Joe’s Body Shop

P.F. Green & Sons

Ridenour’s Auto Repair

Jackie Hurd

Fremont Insurance Company

Bill Leech Repair Service

Michigan Millers Insurance Company

Heb’s Inn

Snyder’s IGA

Elsesser’s Auto Repair

Perry Dental

Garn Restoration

Scepka Builders

Citizens Insurance Company

Chemical Bank

Mid Michigan Glassworks

In addition to the tournament winners, other contests included a 50/50 drawing, Raffles and Closet to the Pin contest, and to our golfers….THANK YOU for spending a part of your day with us. 

The 2014 Spalding Insurance Golf Outing is in the planning stages and  and we look forward to seeing you on the links! 

About Spalding Insurance Agency

Spalding Insurance Agency provides exemplary service and access to Michigan's finest insurance companies. We proudly serve the personal and business insurance needs of people in East Lansing, Okemos, Haslett, Lansing, DeWitt, Perry, Detroit, Holt, Mason, Grand Rapids, Laingsburg, Bath, and other great Michigan cities. For a quote on auto insurance, home insurance, business insurance, or life insurance click here. 

What Group Discounts Does Spalding Insurance Have?

We recently took an inside look into one of the major discounts that insurance carriers provide, group discounts.

Spalding Insurance represents four auto and home insurance carriers that all offer different group discounts. Some of the most popular group discounts are:

-State of Michigan Employees

-College Alumni

-Credit Union Members

-Teachers or MEA members

-Medical or Dentist Office Professionals

-USGA or PGA Golf Members

-AARP Members

These discounts are pretty broad and mostly everyone qualifies for one, whether or not you're taking advantage of it is up to you

Welcome

Spalding Insurance Agency is proud to present to you our daily, weekly, or whenever we have something valuable to write blog(still working on an awesome name). 

What is the mission of this blog? Our plans for this blog is for it to be informative, entertaining, and just flat out awesome. We plan on sharing with you funny content, but also look forward to educating you. Have an insurance question? Great, we would love to answer it. 

Since 1905, Spalding Insurance Agency, has served the insurance needs of clients throughout Michigan. We look forward to being of service.