Navigating the Roads Safely: A Guide to Driving with Deer in Mind

As the seasons change and the crisp air of autumn settles in, drivers must be vigilant on the roads, especially in areas where deer are prevalent. The collision risk with these graceful yet unpredictable creatures rises during certain times of the year. To ensure both human and animal safety, it’s essential to adopt responsible and safe driving practices. In this blog, we’ll explore valuable tips for driving safely when deer are around roads.

  1. Understand Deer Behavior:

Deer are most active during dawn and dusk, making these times particularly risky for drivers. During these low-light conditions, visibility is reduced, increasing the chances of a collision. Familiarize yourself with the areas where deer are commonly found, such as wooded areas, farmlands, and near water sources.

  1. Mind the Signs:

Pay attention to road signs that indicate deer-crossing zones. These signs are strategically placed in areas with a high deer population. When you see these signs, be prepared to slow down and stay alert. Additionally, if you spot one deer crossing the road, there’s a good chance that others may follow, so proceed with caution.

  1. Reduce Speed in Deer-Prone Areas:

When driving through areas known for high deer activity, it’s crucial to reduce your speed. Slowing down gives you more time to react if a deer suddenly appears on the road. Remember that deer can be unpredictable, and sudden movements can catch drivers off guard.

  1. Stay Centered in Your Lane:

Driving in the center of your lane provides you with more reaction time if a deer darts out in front of your vehicle. Avoid swerving, as this can lead to a loss of control and increase the risk of a collision with other vehicles or objects.

  1. Use High Beams at Night:

When driving in areas where deer are common, especially at night, use your high beams when there is no oncoming traffic. High beams can improve visibility and help you spot deer on the side of the road sooner. However, be sure to switch to low beams when approaching other vehicles to avoid blinding drivers.

  1. Be Prepared to Brake:

If you see a deer near the road or crossing ahead, be prepared to brake smoothly and steadily. Sudden and harsh braking can lead to skidding or a rear-end collision. It’s essential to maintain control of your vehicle while slowing down.

  1. Avoid Distractions:

Distracted driving is a significant contributor to accidents involving wildlife. Stay focused on the road, put away your phone, and avoid other distractions. The more attentive you are, the better your chances of spotting a deer in time to react safely.

Navigating the roads safely when deer are present requires a combination of awareness, caution, and responsible driving habits. By understanding deer behavior, minding road signs, reducing speed in high-risk areas, and staying focused, drivers can significantly reduce the risk of collisions with these majestic creatures. Remember, when it comes to sharing the road with wildlife, patience and vigilance are your best allies. Safe travels!

Navigating the Slippery Slope: How to Drive Safely with Wet Leaves on the Road

Autumn’s colorful foliage is a sight to behold, but it also marks the beginning of a potential hazard on the road: wet leaves. As leaves fall and rain mixes in, the road surface can become slippery and treacherous. To ensure your safety and that of others, it’s crucial to know how to drive safely with wet leaves on the road. In this blog, we’ll provide you with some essential tips to help you navigate the slippery slope of autumn driving.

  1. Slow Down

When driving on roads covered with wet leaves, it’s imperative to reduce your speed. Wet leaves can be as slippery as ice, making it challenging to maintain control over your vehicle. Slowing down gives you more time to react to unexpected situations.

  1. Increase Following Distance

Keeping a safe following distance is vital to allow for more reaction time. Wet leaves can conceal hazards like potholes or slippery patches, so maintaining a greater distance from the vehicle in front of you helps avoid sudden braking and potential collisions.

  1. Brake Gently

Avoid slamming on the brakes when driving on wet leaves. Instead, apply gentle, steady pressure to the brake pedal to prevent skidding. If your vehicle is equipped with an anti-lock braking system (ABS), trust it to modulate brake pressure effectively.

  1. Turn Smoothly

Make slow, deliberate turns to avoid losing traction on wet leaves. Sudden or sharp turns can cause your tires to slip, increasing the risk of losing control of your vehicle.

  1. Keep Your Tires In Good Condition

Well-maintained tires are essential for safe driving, especially in slippery conditions. Ensure your tires have sufficient tread depth and are properly inflated. Worn or underinflated tires are more likely to lose traction on wet leaves.

  1. Use Your Lights

Turning on your headlights, even during daylight hours, can help increase your visibility to other drivers. It’s also a good practice to use your fog lights if your vehicle is equipped with them to enhance visibility in low-visibility situations.

  1. Avoid Piles of Leaves

Steer clear of large piles of leaves on the road. They may hide other hazards, such as rocks or debris, and driving through them can also lead to a loss of traction.

  1. Stay In Your Lane

When driving on roads covered with wet leaves, stay in your lane as much as possible. Straying onto the shoulder or into the opposing lane increases the risk of losing control.

  1. Stay Informed

Keep an eye on weather forecasts, road conditions, and traffic reports. Being aware of potential rain or snow can help you prepare for changing road conditions.

  1. Be Cautious on Bridges and Overpasses

These structures tend to freeze more quickly than regular roads, so exercise extra caution when driving on wet leaves in these areas.

Driving safely with wet leaves on the road is all about being vigilant, cautious, and prepared for the unexpected. Remember to reduce your speed, increase your following distance, and drive gently to maintain control. Good tire maintenance and avoiding large piles of leaves are also key safety practices. By following these tips, you can enjoy the beauty of autumn while ensuring your safety and the safety of others on the road

The Shield You Need: Why You Should Consider an Umbrella Insurance Policy

Life is filled with uncertainties, and as responsible individuals and business owners, we take measures to protect ourselves and our assets. While we often focus on auto, home, or commercial insurance policies, there’s a powerful yet often overlooked tool that can provide an extra layer of security – the umbrella insurance policy. In this blog, we will explore the importance of getting an umbrella policy for your personal and commercial needs, and why it’s a smart financial decision.

What is an Umbrella Insurance Policy?

An umbrella insurance policy, often referred to as excess liability insurance, is an additional form of coverage that goes beyond the limits of your standard personal or commercial insurance policies. Essentially, it acts as a protective shield that kicks in when your primary insurance policy reaches its limit.

Why is it important for both personal and commercial needs?

Protecting Your Personal Finances

    1. Coverage Beyond Standard Policies Personal umbrella insurance is designed to provide extra protection for your personal assets. Whether it’s your home, car, or other personal property, it extends the coverage limits of your primary insurance policies, such as homeowners or auto insurance. This extra coverage can be a lifesaver in the event of a major accident or unexpected lawsuit.
    2. Safeguarding Your Savings If you’re involved in a severe accident or face a lawsuit, the costs can quickly escalate beyond the limits of your standard policies. Without umbrella insurance, you might have to dip into your savings, retirement funds, or even sell valuable assets to cover the expenses. An umbrella policy can help protect your financial future.
    3. Liability Protection Accidents happen, and you could find yourself liable for someone else’s injuries or property damage. An umbrella policy covers you in case you are held responsible for these incidents, providing peace of mind and financial security.

Shielding Your Business

    1. Protection Against Legal Claims Businesses, regardless of their size, are vulnerable to lawsuits. If your company faces a lawsuit that exceeds the coverage of your standard commercial liability insurance, your business assets and your personal assets could be at risk. An umbrella policy safeguards your business from catastrophic financial losses.
    2. Employee Liability If your employees are involved in an accident while on the job, you could be held liable for their actions. An umbrella policy can help cover these expenses, ensuring that your business remains financially stable.
    3. Brand and Reputation Protection The financial stability of your business is not just about money. A lawsuit can damage your reputation and brand, which may be difficult to recover from. An umbrella policy provides you with the financial resources needed to handle legal matters while maintaining your business’s image.

Versatility and Affordability

    1. Cost-Effective Umbrella policies are relatively affordable considering the extensive coverage they offer. The premium you pay for the added protection is often a fraction of what you would need to pay if you were to increase the limits on your primary insurance policies.
    2. Versatile Umbrella policies are flexible and can be tailored to your specific needs, whether it’s for personal coverage, business protection, or a combination of both. You can adjust the coverage limits to match your assets and potential risks.

An umbrella insurance policy is like a financial safety net that protects your personal and commercial interests from the unexpected. It’s a powerful tool to secure your financial future and ensure that you can weather the storms of life without losing everything you’ve worked so hard to achieve. While you hope you’ll never need it, having an umbrella policy in place provides peace of mind and a vital layer of protection that can prove to be invaluable in times of crisis. So, don’t wait until it’s too late; consider an umbrella policy for your personal and commercial needs today.

Make sure to call us at 610-335-1139 to see how we can help you save money on your insurance!

Navigating the Aftermath of a Car Accident: A Comprehensive Guide

Car accidents can be distressing and overwhelming experiences, often leaving individuals shaken and unsure about the steps to take in the aftermath. While it’s crucial to prioritize safety and well-being immediately following a collision, understanding what to do after a car accident can help mitigate further stress and ensure a smoother claims process. This article provides a comprehensive guide on the essential steps to take after a car accident.

  1. Prioritize Safety

The first and foremost concern after a car accident is the safety of everyone involved. If possible, move the vehicles to a safe location to avoid obstructing traffic. Turn on hazard lights and set up warning triangles or flares if available. Check yourself and others for injuries and call for medical assistance if needed.

  1. Contact Law Enforcement

In many jurisdictions, it’s required to report accidents to the police, regardless of their severity. A police report can be valuable when dealing with insurance claims and legal matters. When the police arrive, provide accurate and honest information about the accident.

  1. Exchange Information

Exchange contact, insurance, and vehicle information with the other parties involved. Key details to collect include names, phone numbers, addresses, driver’s license numbers, license plate numbers, insurance company names, and policy numbers.

  1. Document the Scene

Take photos or videos of the accident scene, including vehicle damage, skid marks, road conditions, traffic signs, and any contributing factors. These visuals can serve as crucial evidence during the claims process.

  1. Gather Witness Statements

If there are witnesses to the accident, obtain their names and contact information. Their statements can provide an unbiased account of the events and bolster your case if needed.

  1. Notify Your Insurance Company

Report the accident to your insurance company as soon as possible. Provide them with accurate and detailed information about the accident. Your insurer will guide you through the claims process and explain the coverage you have.

  1. Seek Medical Attention

Even if you don’t immediately feel injured, it’s advisable to seek medical attention. Some injuries, such as whiplash or internal injuries, may not manifest symptoms right away. Medical records can also be important evidence if you decide to pursue a personal injury claim.

  1. Keep Detailed Records

Maintain a thorough record of all communication related to the accident, including interactions with the other party, police, insurance representatives, medical professionals, and legal experts. This documentation can help protect your interests and support your case.

  1. Be Cautious with Statements

Avoid admitting fault or making statements that could be construed as an admission of guilt. Stick to factual information when discussing the accident, both at the scene and when interacting with insurance companies.

  1. Consult Legal Counsel

If the accident resulted in significant damage, injuries, or disputes over liability, consider seeking legal advice from a personal injury attorney. An attorney can provide guidance on your rights, potential compensation, and navigating complex legal processes.

  1. Understand Your Coverage

Familiarize yourself with your insurance policy’s coverage limits and deductibles. This knowledge will help you understand what expenses may be covered and what you might need to pay out of pocket.

  1. Maintain Patience

Resolving the aftermath of a car accident can take time. Be patient throughout the process, especially when waiting for insurance settlements, repairs, and medical treatments.


A car accident is a situation no one wishes to experience, but being prepared and informed about the necessary steps to take can alleviate some of the stress and uncertainty. Prioritizing safety, documentation, communication, and seeking appropriate assistance will help ensure a smoother path to recovery and resolution. Remember, seeking professional advice from legal and medical experts can make a significant difference in protecting your rights and well-being after an accident.

What Information Is On My Proof Of Insurance Card?

In order to drive legally, every driver needs to carry their license, registration and proof of financial responsibility (which is usually your auto liability insurance). What exactly is proof of insurance, and what’s included on your proof of insurance card? Continue reading to learn more.

Proof of Insurance: The Basics

Proof of insurance, also called an insurance identification card, is the card your insurance company gives you that says you have coverage on your vehicle. Insurance companies usually provide two paper copies of the card, one that should be stored in the vehicle and one that should be kept on hand. You’ll need to show proof of insurance when you renew your license plate, register your vehicle, or in the event that you are pulled over by a police officer. You are required by law to carry proof of insurance in the vehicle whenever you are driving, and in most cases, you can provide either a paper copy or a digital/electronic version accessible via your smartphone. Receipt of payment does not count as valid proof of insurance.

What’s included on my card?

Depending on your insurance company, the order of info included can vary, but the card always includes the following:

  • Insured’s name and contact information
  • Vehicle information, including year, make, model and Vehicle Identification Number (VIN)
  • Policy start and expiration dates
  • Policy number, which is unique to you and will be needed if you file a claim
  • Insurance company name and information

How do I obtain proof of insurance?

You usually receive your proof of insurance card along with your declaration page and policy information. In most cases, you can download and print your proof of insurance from your online account, in case you lose the paper copy that you originally received. Most companies also offer access to electronic proof of insurance through their website or mobile app. In most states, you can show electronic proof of insurance in place of a paper copy, in the event that you are pulled over by a police officer.

In the event that you lose your proof of insurance card or notice an error on your card, you can always contact your insurance agent or customer service to obtain another one or make corrections. For example, if you move, you’ll need to update your address on your insurance card, in addition to updating your driver’s license and registration. In some cases, you may be able to update your information online.

If you have any questions about your proof of insurance or your policy coverage, reach out to your local agent. They’re available to help you get the right coverage to protect your vehicle, in addition to making sure you have the proof of insurance you need when you need it most.

College Students and Insurance

If you have a child who is getting ready to leave for college, chances are that insurance might not be at the top of their list of things to worry about. But in the event that expensive items are damaged or stolen, you’ll want to make sure that your child’s property is protected. Read on to learn more about what may be covered under your existing policy, and when you might want to consider adding additional coverage.

What Is Covered Under My Homeowners Policy?

The good news is that in most cases, if your child is living in on-campus housing (like a dorm), your homeowner’s policy does provide at least some coverage. Students younger than 26 years of age who live on campus are covered under their parents’ policy, but there are limits. Coverage usually includes the personal property inside the student’s residence (with varying limits), and medical expenses and personal liability coverage in the event that an accident occurs in a student’s dorm room.

Some policies limit coverage for belongings that are not located in the home, often referred to as off-premises coverage. The coverage varies greatly between policies, but generally, anywhere from 10 to 20 percent of your personal property coverage may extend to your child’s dorm residence. For example, if your policy covers $200,000 in coverage for your home’s contents, you could have anywhere from $20,000 to $40,000 of off-premises coverage. If your child has a lot of expensive equipment necessary for their major, like photography equipment, musical instruments or computers, your homeowner’s coverage may only extend to cover a portion of their value, so it’s important to refer to your individual policy for details.

Protect Your Child’s Valuables

As you would do for the contents of your own home, make sure you have a detailed inventory of your child’s belongings, including photos of the items, serial numbers, receipts and other relevant information. In the event that these items are damaged or stolen, having this information handy is critical. It is recommended that you itemize receivables worth more than $1,000, as there is usually a cap on how much coverage particular items or types of items receive under your policy.

If your child chooses to study abroad, it’s also crucial that you understand what your policy covers, and whether you might need additional coverage. This is especially important if your child plans to take expensive valuables with them. For a special situation like this, you may want to speak with a local agent to help understand your coverage.

In the event that your child chooses to live in off-campus housing, like an apartment or house, they may want to consider purchasing a renters insurance policy in their own name. Renters insurance policies are usually very affordable and can offer additional coverage that can be crucial if unexpected damage occurs.

Coverage For Your Unique Situation

No matter where your child is living while they’re attending college, you’ll want to be sure that they have the protection they need to keep their belongings safe. If you’re uncertain about whether your homeowner’s insurance policy has enough coverage built in, or if you think that your college student might need to purchase additional coverage, reach out to your local agent. They will help answer any questions you have about your needs and will help you get coverage at a price that works for everyone.

Understanding General Liability Insurance for Small Businesses

Running a small business can be a fulfilling venture, but it also comes with its fair share of risks. Accidents happen, and unfortunately, they can result in costly legal claims that have the potential to cripple a business financially. That’s where general liability insurance comes in. In this article, we will explore the importance of general liability insurance for small businesses and shed light on its key features, benefits, and considerations.

The Basics of General Liability Insurance

General liability insurance is a type of coverage that provides financial protection to small businesses against third-party claims for bodily injury, property damage, and personal injury. It is designed to safeguard businesses from potential lawsuits, legal fees, and settlement costs arising from accidents, negligence, or injuries that occur on business premises or as a result of business operations.

Coverage Areas

General liability insurance covers three main areas:

  1. Bodily Injury Claims:This coverage protects businesses by providing financial assistance for medical expenses, legal fees, and damages resulting from bodily injuries suffered by a third party on your business premises or due to your business operations.
  2. Property Damage Claims:Accidents happen, and sometimes those accidents result in damage to someone else’s property. General liability insurance can help cover the costs of property damage caused by your business operations, such as accidentally damaging a client’s property or equipment.
  3. Personal Injury Claims:In today’s digital world, personal injury claims extend beyond physical harm. General liability insurance protects against claims of slander, libel, copyright infringement, and false advertising. If your business is accused of damaging someone’s reputation or infringing on their intellectual property, this coverage can provide the necessary support.

Benefits of General Liability Insurance

There are several key benefits to having general liability insurance for your small business:

  1. Legal Protection:The most obvious benefit is that general liability insurance provides legal protection and financial coverage for potential lawsuits and claims. It can save a small business from significant financial loss and help cover legal expenses and settlement costs.
  2. Reputation Protection:When accidents happen, the public perception of your business can be affected. By having liability insurance, you demonstrate your commitment to taking responsibility and can help maintain your reputation. Clients and customers appreciate businesses that are prepared for unforeseen events and take steps to protect their interests.
  3. Client Confidence:Many clients and partners require proof of liability insurance before entering into business agreements. By having coverage, you can instill confidence in your clients that you can handle potential risks. It shows that you take their well-being seriously and are prepared to address any issues that may arise.
  4. Peace of Mind:General liability insurance provides peace of mind for business owners. Instead of worrying about potential accidents and lawsuits, you can focus on running your business and serving your customers. Knowing that you have financial protection in place can alleviate stress and allow you to concentrate on your core operations.

Factors to Consider

While general liability insurance is crucial for small businesses, there are a few factors to consider when selecting a policy:

  1. Coverage Limits:Evaluate your business’s needs and choose coverage limits that adequately protect your assets. Consider factors such as the size of your business, the nature of your operations, and potential risks. It’s essential to have enough coverage to protect your business adequately.
  2. Deductibles:Understand the deductible amount you are responsible for paying before the insurance coverage kicks in. A higher deductible usually results in lower premiums but also higher out-of-pocket costs if a claim is filed. Assess your risk tolerance and financial capacity to determine the deductible that works best for your business.
  3. Exclusions and Endorsements:Read the policy carefully to understand any exclusions or limitations that may apply. Some policies may not cover certain industries or specific types of claims. Consider adding endorsements or additional coverage to fill any gaps in protection that are specific to your industry or business operations.
  4. Premium Costs:While cost is a factor, it’s important not to solely focus on getting the cheapest policy. Assess the coverage provided and the insurer’s reputation for customer service and claims handling. Look for a balance between affordability and quality coverage to ensure that you get the best value for your investment.

General liability insurance is a vital tool for protecting small businesses from potential legal and financial repercussions. By obtaining the right coverage, small business owners can mitigate the risks associated with accidents, injuries, and lawsuits. Prioritize reviewing your business’s unique needs and consult with insurance professionals to ensure you choose a policy that offers comprehensive protection. Investing in general liability insurance is an investment in the long-term stability and success of your small business. With the right coverage in place, you can focus on what matters most—growing your business while having peace of mind.

Risk Averse Insurance Launches New Website!

Risk Averse is proud to launch a new website that will provide customers and the community at-large with useful tools and programs dedicated to strengthening the community.

The website will be home to Our Hometown magazine,  the monthly community magazine that the agency will be publishing. It will be loaded with great tips, advice and recipes, and will shine a spotlight on a local family that could use a hand.

The campaigns to help others in the area is called the Community Cause Program, and the agency expects to give thousands of dollars each year to children, families, and others who could use a helping hand.

A listing of quality local businesses will be featured in a brand new Concierge Directory. Types of businesses customers may discover there are expected include auto body shops, contractors, real estate agents, mortgage brokers, restaurants, and many other services.

The agency has also formalized its rewards program to benefit those recommending friends and family to the agency for a no-obligation quote.  People taking part will not only receive immediate rewards, but also entries to frequent drawings for larger prizes.

Homeowners Insurance – The Balance Between Coverage and Price

Not all homeowners insurance policies are created equal. Many clients frequently compare homeowners quotes based on price alone, without having a thorough understanding of what coverage is provided. I must stress that it is very important to know if you are giving anything up for the lower price. Too many insurance agents are willing to provide bare-bones homeowners insurance coverage just to get your business on the books. The problem with this is that many of the claims we see are not covered in a bare-bones homeowners insurance policy.

My goal here is to identify several coverages that you should be on the lookout for as they are commonly used and cost very little to add to your homeowners insurance policy in PA.

Buried Utility Lines

How many times have you heard of someone that needed to have their front yard dug up to replace a pipe? We see it all the time. Traditionally, homeowners insurance did not cover this and many people were left paying the bill out of pocket. Many others bought separate coverage through the water company which provides limited coverage at a high price point. Today, most homeowners insurance companies in Pennsylvania offer this endorsement at a fraction of that cost. In addition, this endorsement typically provides broader coverage and higher limits than the policies through the water company.

Water/Sewer Backup

It’s a homeowner’s worst nightmare… you walk downstairs to find that a sewer or drain has backed up into your house through a toilet or sink. The floors are a mess with the grossest slime you can imagine. Your Bounty paper towels weren’t meant for this cleanup. You’ll need to have a professional come in for this. Unfortunately, this can cost in excess of $10,000 and most basic insurance policies don’t provide coverage. Just about all insurance companies in PA offer this endorsement though, and it typically costs very little. Make sure this one is on your homeowners insurance policy.

Roofing/Siding Matching

Many people think that when they have some damage to their roof or siding, the insurance company will automatically replace the entire roof or rewrap the house. That is not always the case. If the wording in the policy allows them to patch the damaged area, they will. However, you can purchase Roofing/Siding Matching with many PA insurance companies which provides extended coverage of $10k or $20k to match the roof or siding all the way around the house.

There are many more homeowners insurance endorsements that could be included on the list. The main takeaway is that you should not just assume every company is providing you equal homeowners coverage. Dive into the coverage package offered on the quote and ask questions of the broker to make sure the coverage meets your needs. Your home is likely your biggest asset. Spend a couple extra dollars for the right protection so you aren’t forced to spend thousands out of pocket when a claim isn’t covered.

Risk Averse Insurance is an insurance agency in Media, PA – Delaware County – that specializes in providing high-quality insurance products at an affordable price.