Father’s Day 2023 is Sun, Jun 18

Love your Daddy! This Sun, Jun 18, 2023, is Father’s Day!

HISTORY.COM | MAY 15, 2023 | Father’s Day | Recreational Insurance | Start a Quote Today!

The nation’s first Father’s Day was celebrated on June 19, 1910, in the state of Washington. However, it was not until 1972—58 years after President Woodrow Wilson made Mother’s Day official—that the day honoring fathers became a nationwide holiday in the United States. Father’s Day 2023 will occur on Sunday, June 18.

Mother’s Day: Inspiration for Father’s Day

The “Mother’s Day” we celebrate today has its origins in the peace-and-reconciliation campaigns of the post-Civil War era. During the 1860s, at the urging of activist Ann Reeves Jarvis, one divided West Virginia town celebrated “Mother’s Work Days” which brought together the mothers of Confederate and Union soldiers.

Did you know? There are more than 70 million fathers in the United States.

However, Mother’s Day did not become a commercial holiday until 1908, when–inspired by Jarvis’s daughter, Anna Jarvis, who wanted to honor her own mother by making Mother’s Day a national holiday–the John Wanamaker department store in Philadelphia sponsored a service dedicated to mothers in its auditorium.

Thanks in large part to this association with retailers, who saw great potential for profit in the holiday, Mother’s Day caught on right away. In 1909, 45 states observed the day, and in 1914, President Woodrow Wilson approved a resolution that made the second Sunday in May a holiday in honor of “that tender, gentle army, the mothers of America.”

FEATURED

Why the Founder of Mother’s Day Turned Against It

Anna Jarvis, who founded Mother’s Day in 1908, passionately opposed its growing commercialization and eventually campaigned against the holiday.

Origins of Father’s Day

The campaign to celebrate the nation’s fathers did not meet with the same enthusiasm–perhaps because, as one florist explained, “fathers haven’t the same sentimental appeal that mothers have.”

On July 5, 1908, a West Virginia church sponsored the nation’s first event explicitly in honor of fathers, a Sunday sermon in memory of the 362 men who had died in the previous December’s explosions at the Fairmont Coal Company mines in Monongah, but it was a one-time commemoration and not an annual holiday.

The next year, a Spokane, Washington, woman named Sonora Smart Dodd, one of six children raised by a widower, tried to establish an official equivalent to Mother’s Day for male parents. She went to local churches, the YMCA, shopkeepers and government officials to drum up support for her idea, and she was successful: Washington State celebrated the nation’s first statewide Father’s Day on June 19, 1910.

Slowly, the holiday spread. In 1916, President Wilson honored the day by using telegraph signals to unfurl a flag in Spokane when he pressed a button in Washington, D.C. In 1924, President Calvin Coolidge urged state governments to observe Father’s Day.

Today, the day honoring fathers is celebrated in the United States on the third Sunday of June: Father’s Day 2021 occurs on June 20.

In other countries–especially in Europe and Latin America–fathers are honored on St. Joseph’s Day, a traditional Catholic holiday that falls on March 19.

Click here to enjoy a fascinating video of several Founding Fathers


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Flood Insurance: Protecting Your Home and Family

Flood Insurance: Protecting Your Home and Family

Shield Insurance Agency Blog | Flood Insurance | Start a Quote Today!

As a homeowner, you know that your home is one of the most important investments
you will ever make. It is where you and your family live, where you create memories, and
where you feel safe and secure. However, your home is also vulnerable to natural
disasters such as flooding, which can cause significant damage and financial loss. That
is why it is essential to have flood insurance as part of your home insurance policy.
Home Insurance Flooding

Many homeowners assume that their home insurance policy covers flooding, but this is
not always the case. Most standard home insurance policies do not cover flood
damage, which means that if your home is damaged by flooding, you will have to pay for
the repairs out of your own pocket. This can be a significant financial burden, especially
if the damage is extensive.

Rain Storms

Rain storms can cause significant flooding, even in areas that are not considered
high-risk flood zones. It is important to remember that flood insurance covers damage
caused by any type of flooding, not just from rivers and lakes. This means that even if
your home is not located near a body of water, you may still be at risk for flooding during
a rainstorm.

Home Flood Insurance Quote

To protect your home and family from the financial impact of flooding, you need to have
flood insurance. Flood insurance is a separate policy that covers damage caused by
flooding. It is important to note that flood insurance is not included in your standard
home insurance policy, and you will need to purchase it separately.

Home and Flood Insurance

Flood insurance can be purchased as a standalone policy or as an add-on to your
existing home insurance policy. If you live in an area that is prone to flooding, it is
recommended that you purchase flood insurance as an add-on to your home insurance
policy. This will ensure that you have comprehensive coverage for all types of damage,
including flooding.

Homeowners Insurance with Flood Coverage

If you are purchasing a new home, it is important to consider flood insurance as part of
your home insurance policy. Many mortgage lenders require homeowners to have flood
insurance if they live in a high-risk flood zone. Even if you do not live in a high-risk flood
zone, it is still a good idea to have flood insurance to protect your home and family from
unexpected flooding.

Flood Insurance Quote

If you are interested in purchasing flood insurance, it is important to get a quote from a
reputable insurance agency. Shield Insurance Agency represents over 40 insurance
companies, which means that we can provide you with a variety of options for flood
insurance coverage. Our experienced agents can help you find the right policy to meet
your needs and budget.

Protection for Your Family and Home

Flood insurance provides protection for your family and home in the event of a flood. It
can cover damage to your home, personal belongings, and even living expenses if you
are forced to evacuate your home due to flooding. This can provide peace of mind
knowing that you and your family are protected in the event of a natural disaster.

Shield Insurance Agency Represents Over 40 Insurance Companies

At Shield Insurance Agency, we understand the importance of protecting your home and
family from unexpected events such as flooding. That is why we represent over 40
insurance companies, so we can provide you with a variety of options for flood
insurance coverage. Our experienced agents can help you find the right policy to meet
your needs and budget.

Contact Shield Insurance Agency at (616) 896-4600 for a Free Quote Today
If you are interested in purchasing flood insurance, contact Shield Insurance Agency
today for a free quote. Our experienced agents can help you find the right policy to meet
your needs and budget. Protect your home and family from the financial impact of
flooding with flood insurance from Shield Insurance Agency.


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Five Parts of an Insurance Policy

Five Parts of an Insurance Policy

Shield Insurance Agency Blog | May 19, 2023 | Insurance | Start a quote today!

Insurance policies can be complex and confusing, but understanding the different parts of a policy is essential to ensure that you have the right coverage for your needs. In this blog post, we will discuss the five parts of an insurance policy: premium, deductible, policy limits, exclusions, and riders.

1. Premium: The premium is the amount you pay for your insurance coverage. It is typically paid on a monthly or annual basis and is based on several factors, including your age, location, and the type of coverage you need. The premium is the cost of your insurance policy, and it is important to choose a premium that fits your budget.

2. Deductible: The deductible is the amount you pay out of pocket before your insurance coverage kicks in. For example, if you have a $500 deductible and your car is damaged in an accident that costs $1,000 to repair, you will pay $500, and your insurance company will pay the remaining $500. Choosing a higher deductible can lower your premium, but it also means you will pay more out of pocket if you need to file a claim.

3. Policy Limits: Policy limits are the maximum amount your insurance company will pay for a covered loss. For example, if you have a $100,000 policy limit for liability coverage and you are sued for $150,000, you will be responsible for paying the remaining $50,000. It is important to choose policy limits that are high enough to protect your assets in the event of a lawsuit.

4. Exclusions: Exclusions are specific situations or events that are not covered by your insurance policy. For example, if you have a homeowner’s insurance policy that excludes flood damage, you will not be covered if your home is damaged by a flood. It is important to read your policy carefully to understand what is and is not covered.

5. Riders – Additional coverage and options: Riders are additional coverage options that you can add to your insurance policy. For example, if you have a homeowner’s insurance policy that does not cover earthquake damage, you can add an earthquake rider to your policy for an additional cost. Riders can provide additional protection for specific situations that are not covered by your standard policy.

Does Your Insurance Meet Your Needs?

Understanding the different parts of an insurance policy is essential to ensure that you have the right coverage for your needs. It is important to review your policy regularly and make changes as needed to ensure that your coverage meets your current needs. If you have questions about your insurance policy or need help choosing the right coverage, contact your insurance agent for assistance.

At Shield Insurance Agency, we are committed to helping our clients find the right insurance coverage for their needs. Our experienced agents can help you understand the different parts of your insurance policy and make sure that you have the coverage you need to protect your assets and your family. Contact us today to learn more about our insurance products and services.


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Tips for Road Trips with a Dog

Tips for Road Trips with a Dog

Nationwide Blog | September 13, 2022 | Road Trips | Pet Insurance | Start a Quote Today!

If you’ve ever considered bringing your dog on vacation, you probably know that flying with a pet can be difficult due to airline restrictions. When you hit the road with your pup by your side, you have much more flexibility and freedom for the furriest member of your family on the way to your final destination.

But it can take quite a bit of planning to keep your dog happy and safe in your car. Here are some tips for planning a dog-friendly vacation.

Understanding dog essentials for road trips

There are a few important items you’ll want to keep handy with your dog on board: [1]

  • Food, water, snacks, and pet bowls to keep your pup happy, fed, and hydrated
  • A blanket or pet bed that smells like home to keep your dog feeling cozy and comfortable throughout the vacation
  • A favorite toy or chewy to help your buddy stay entertained and free from stress
  • Medications, which can be prescribed by a veterinarian for your dog if they have anxiety in the car
  • Collars and leashes that you might need for any walks or hikes— you may need a variety if you’re working on leash training
  • Potty bags for when duty calls
  • Anything else? You know your dog best. Think of what you or your pet might be happy to have once you’re down the road.

Preparing your car for long road trips with your dog

Once you’ve packed everything on your pet travel checklist, you’ll want to make sure your car is dog-ready. There are several precautions to take in keeping your pup and car safe throughout the drive:

  • Consider crates, dog car barriers, or seat belt harnesses, which may be required in certain jurisdictions
  • Protect your car with seat covers
  • Have water readily available

Have a plan for when you have to leave your car during road trips

You’ll probably need to leave your car to get food or use the restroom. Have a plan in place for your dog during that time, whether it’s having other family members on the trip take turns keeping watch or identifying dog-friendly locations where you can keep your pup by your side.

Avoid leaving your dog in the car for extended periods unattended, particularly during the summer. Doing so can subject your dog to extreme temperatures, causing serious harm. [2]

Go on practice drives before you leave

Get your pup acclimated to spending an extended period of time in the car by going on practice drives.

Plan for stops to go on hikes and take walks

Do your research ahead of time to find dog-friendly places to stop for hikes and walks with your pup. Reviews and posted user-posted photos can help you decide which places will work best for you and your furry companion. [3]

Stop at a pet-friendly hotel for the night

If you’re wondering where to stay throughout your vacation, there are some safe, reliable pet-friendly hotel chains that can usually accommodate your pooch. Just make sure you take note of each location’s pet rules and policies before booking a reservation: [1]

  • Best Western
  • Choice Hotels
  • Extended Stay America
  • Four Seasons
  • Hampton Inn
  • Home 2 Suites by Hilton
  • Kimpton Hotels
  • Marriott
  • DoubleTree by Hilton
  • Motel 6
  • The Peninsula Hotels
  • Red Roof Inn
  • The Ritz-Carlton
  • Staypineapple
  • Westin

Now that you have everything you need to take your dog on the road, learn how you can get pet insurance to protect in case of accidents, injuries, and more.

Sources:

[1] “Pet-Friendly Hotels in the United States,” akc.org/expert-advice/home-living/a-guide-to-pet-friendly-hotel-chains-in-the-united-states (Accessed June 30, 2022).

[2] “How to Dog Proof Your Car,” blog.nationwide.com/dog-proofing-car (Accessed June 30, 2022).

[3] “Dog Friendly Hiking Trails in the United States,” https://www.bringfido.com/attraction/trails/region/united_states (Accessed June 30, 2022).

Disclaimer: The information included here is designed for informational purposes only. It is not legal, tax, financial, or any other sort of advice, nor is it a substitute for such advice. The information may not apply to your specific situation. We have tried to make sure the information is accurate, but it could be outdated or even inaccurate in parts. It is the reader’s responsibility to comply with any applicable local, state, or federal regulations. Nationwide Mutual Insurance Company, its affiliates, and their employees make no warranties about the information nor guarantee of results, and they assume no liability in connection with the information provided. Nationwide and the Nationwide N and Eagle are service marks of Nationwide Mutual Insurance Company. © 2022 Nationwide and Shield Insurance


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What to Do if You Lose Your Car Keys

What to Do if You Lose Your Car Keys

Nationwide | December 10, 2021| Car Keys | Auto Insurance | Start a quote today!

It’s something you never want to think about but losing your car keys can happen to just about anybody. No matter how careful you are, all it takes is one second of forgetfulness to send yourself into a spiral of panic and anxiety.

If you’ve never lost your car keys before, you might be surprised to find out that car keys are the third-most misplaced item1.

Sometimes, you’re running a quick errand and jump out of your car only to have forgotten them on the seat. Other times, you’re coming home after a long day at work and throw your keys down somewhere you can’t remember the next day. No one wants to experience any of these instances, but they do happen. And it’s important to be prepared.

So, what do you do when you find yourself in a situation where you’ve lost your keys?

Retrace Your Steps

The first step in finding lost keys is retracing your steps. This sounds easy enough, but when you’re in panic mode, it can seem daunting.

When retracing your steps, it’s important to remember the last time you remember seeing your keys. Where you were? What you were doing? What did you do next? This can help you find your starting point.

Maybe you drove home and left them in your car or maybe you left them on the table at the restaurant you were just visiting. Retracing your steps is essential for giving you somewhere to start before resorting to any unfavorable calls.

If you truly have lost your keys, however, it’s time to call in an automotive locksmith. These specialists can help you get back on the road in no time. You’ll need to have some key information, however – so let’s find out what you need to make this process as seamless as possible.

Understand the Different Types of Car Keys

Knowing and understanding the differences in types of car keys is important for ensuring the process of finding or replacing them runs smoothly and seamlessly. You’ll need to inform your locksmith so they can get in with ease, but even before you make the call, you’ll need to know which locksmith will be able to help you based on the type of key you’ve lost.

Traditional car keys

A traditional car key is – you guessed it – traditional. These keys look and feel like classic keys, and work by being inserted into an ignition cylinder and turned to start the vehicle.

Transponder key

A transponder key is similar to a traditional key, but the difference is the head. At the top of the key is an electrical element that often contains buttons to lock and unlock your car, as well as open the trunk and set off an alarm.

This electrical element also contains a chip that’s necessary to start the vehicle.

Key fob with switchblade key

These types of keys include remote fobs that can lock and unlock the vehicle, with a spring-loaded key mechanism that folds into the fob like a switchblade. This dual system allows for remote access to the vehicle and a sleeker, minimal key design that folds into itself for easier transport.

Smart car keys

Smart keys are often called ‘keyless ignition’ keys. They’re used in place of actual keys. When used, drivers can unlock their cars remotely and use a push-start button system to start the car, not needing to insert a key into the ignition to get the engine running.

Can a Locksmith Make a Car Key Without the Original?

An experienced locksmith should be able to make you a car key without the original as long as it’s a traditional key. If your vehicle utilizes fobs, transponders, and smart keys, you’ll have to contact the dealership to get a new device created.

How Much Does it Cost to Replace a Car Key?

There is no standard price for a replacement car key, especially considering the many different types of car keys available today.

For traditional keys and fobs, the price is relatively low compared to the more complex keys – ranging from $50 to $1002. Fobs, however, can be programmed yourself or at the dealership which can cut down on these costs.

Transponder keys can cost around $200 to replace, but costs depend on whether you’re going through a locksmith or a dealer.

Switchblade keys are even pricier, averaging closer to $3003 to replace.

Smart keys require going to the dealer for a replacement as they will need to program the device and the vehicle. This can cost between $200 and $500 depending on location, dealership, and vehicle.

Contact a Locksmith Near You

Now that you’re equipped with all the information you need, you can contact a local locksmith. Knowing you’ve exhausted your search, understood what type of key you have, and feel confident and the price and capability of the job, you should have little problem finding the locksmith that’s right for you.

How to Prevent Losing Your Keys

Get a key tracker

Key trackers are a modern, new way to keep track of your keys, wallet, and more. These devices work via an invisible signal that’s transmitted across devices and often connects to an application on your phone.

Popular key trackers include Tile4, Apple AirTag5, Chipolo6 and Cube7 .

Create a designated spot for your car keys

Creating a hanging key holder by the door or a key bowl on a nearby table can be a quick and easy way to make sure you never lose your keys. It can quickly become part of your routine, dropping or hanging your keys as soon as you walk into the door. And it will always be the first place you look when you head on your journey.

Invest in a lanyard or key holder

A lanyard or other transportable keyholder is another simple fix to help you keep track of your keys. A long lanyard, chain, or trinket on your keys can make it harder to lose because of the noise it makes, the length of the attachment, and more. Adding bulk and weight to your keychain will also make it harder to lose when you’re out as you’ll be more likely to miss the feel of the keys in your purse or pocket.

Get a spare key

Another great way to ensure a lost key doesn’t slow you down is by creating a duplicate or requesting a spare. Accidents happen, after all, and things sometimes just disappear. With a spare key, you can be sure that you don’t lose valuable time, money, and energy by retracing your steps and contacting a locksmith.

On the Road and Lost Your Car Keys? Contact Roadside Assistance

In a new place and don’t know how to get to where you need to go? Nationwide offers 24/7 roadside assistance to get you back on the road with ease. To request assistance, just call 1-800-421-3535 or connect through the Nationwide Mobile app.

If you’re not already part of the Nationwide insurance community, you can get started quickly and easily. Contact Nationwide for an auto insurance quote to get started.

1https://www.prnewswire.com/news-releases/lost-and-found-the-average-american-spends-25-days-each-year-looking-for-lost-items-collectively-costing-us-households-27-billion-annually-in-replacement-costs-300449305.html

2https://www.edmunds.com/car-maintenance/the-high-cost-of-losing-your-keys.html

3https://www.carfax.com/blog/lost-car-key-fob-replacement

4https://www.thetileapp.com/en-us/

5https://www.apple.com/airtag/

6https://chipolo.net/en-us/

7https://cubetracker.com/

Disclaimer:
The information included is designed for informational purposes only. It is not legal, tax, financial or any other sort of advice, nor is it a substitute for such advice. The information may not apply to your specific situation. We have tried to make sure the information is accurate, but it could be outdated or even inaccurate in parts. It is the reader’s responsibility to comply with any applicable local, state, or federal regulations. Nationwide Mutual Insurance Company, its affiliates, and their employees make no warranties about the information nor guarantee of results, and they assume no liability in connection with the information provided. Nationwide, Nationwide is on your side, and the Nationwide N and Eagle are service marks of Nationwide Mutual Insurance Company. © 2021 Nationwide and Shield Insurance Agency.


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Driving at Night: How to Stay Safe

Driving at Night: How to Stay Safe

Nationwide | March 08, 2023 | Driving at Night | Auto Insurance | Start a Quote Today!

While we typically drive a quarter of the time at night, studies show that 50% of traffic deaths happen at night. [1] It doesn’t matter whether you know the road you’re driving on or not; it is always more dangerous to drive at night. With a few extra precautions, you can reduce the risk of something dangerous happening while driving at night.

Why is driving at night more dangerous?

There are several reasons why driving at night is significantly more dangerous than during the day.

  1. Compromised night vision: This is especially prevalent in drivers over 60.
  2. Fatigue: 1 in 25 adult drivers report falling asleep in the last 30 days, and many more admit to driving while sleep-deprived. [2]
  3. Rush hour: Roads get more crowded and dangerous between 4 and 7 p.m. due to drivers eager to get home after work.
  4. Impaired drivers: Drivers impaired by drugs and alcohol are more frequently on the road after dark.

Tips for driving at night in the dark

1. Be a defensive driver.

Defensive driving is utilizing safe driving strategies to address identified hazards predictably. When you drive defensively, this reduces your driving risk by anticipating situations and making well-informed decisions. [3]

2. Clean your windshield before driving at night.

Built-up grime on your windshield can increase the glare from other cars and streetlights, making it harder for you to see the road. Damaged windshields can have a similar effect, so fix any cracks before driving. [4]

3. Don’t drive while drowsy when driving at night

It’s always important to ensure you’re well-rested and alert when you’re behind the wheel. But your brain makes more sleep-inducing melatonin when it’s dark, meaning you’re more likely to get tired while driving at night. If you experience eye drooping or extreme fatigue, find a place to stop and rest for the night. [4]

4. Check your headlights.

Keeping headlights clean and lit is the key to safe night driving. If just one headlight is illuminated, it not only cuts down on your visibility but can also get you a citation from law enforcement. Double-check before driving that both headlights are on and working. [5]

5. Slow down.

It’s never a good idea to drive too fast and follow the driver in front of you too closely. This could cause an accident if they stop too suddenly. Also, the closer your headlights are, the brighter they can seem and the more distracting they can be. [5]

6. Watch out for pedestrians.

Always take extra time to watch for pedestrians on poorly lit roads. People don’t always wear safety gear, which can be incredibly difficult to see after dark. Also, make sure you’re not driving distracted, whether texting, adjusting the radio, or eating in your car. Taking your full attention off the road is a bad idea. [6]

7. Keep up with your yearly vision tests.

Stay current on eye exams to ensure your vision is at its best, especially while driving at night. If you wear glasses, ensure they are anti-reflective to reduce glare and increase visibility. [7]

8. Watch out for wildlife.

Make sure to be extra cautious, slow down, and keep an eye out for any big animals. Hitting a deer or an elk is hazardous to drivers and passengers, often resulting in thousands of dollars in vehicle damage. [8]

One of the best ways to protect yourself and your vehicle from any harm from driving at night is to ensure you have the right auto insurance.

Sources:

[1] “The Most Dangerous Time to Drive,” nsc.org/road/safety-topics/driving-at-night? (accessed Jan. 6, 2023).

[2] “Drivers are Falling Asleep Behind the Wheel,” nsc.org/road/safety-topics/fatigued-driver (accessed Jan. 6, 2023).

[3] “What is Defensive Driving?” safemotorist.com/articles/defensive-driving (accessed Jan. 6, 2023).

[4] “10 Night Driving Safety Tips You Should Know for Future Road Trips,” self.com/story/night-driving-safety-tips (Dec. 14, 2020).

[5] “Enjoy the Stars: 5 Critical Tips for Safe Night Driving,” driving-tests.org/beginner-drivers/top-5-tips-for-safe-night-driving (accessed Jan. 6, 2023).

[6] “Night Driving Tips: What You Need to Know,” idrivesafely.com/defensive-driving/trending/night-driving-tips-what-you-need-know (accessed Jan. 6, 2023).

[7] “Safety Tips for Night Driving,” verywellhealth.com/night-driving (July 12, 2022).

[8] “Watch for wildlife on highways and avoid costly collisions,” Connor Liess, cdapress.com/news/2022/nov/24/watch-wildlife-highways-and-avoid-costly-collision (Nov. 4, 2022).

Disclaimer:

The information included here is designed for informational purposes only. It is not legal, tax, financial or any other sort of advice, nor is it a substitute for such advice. The information may not apply to your specific situation. We have tried to make sure the information is accurate, but it could be outdated or even inaccurate in parts. It is the reader’s responsibility to comply with any applicable local, state or federal regulations. Nationwide Mutual Insurance Company, its affiliates and their employees make no warranties about the information nor guarantee of results, and they assume no liability in connection with the information provided. Nationwide and the Nationwide N and Eagle are service marks of Nationwide Mutual Insurance Company. © 2023 Nationwide and Shield Insurance


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Shield Insurance Agency explains how RV insurance coverage works in regard to the theft of personal belongings

Does RV insurance cover the theft of personal belongings that are in the RV?

Shield Insurance Blog | RV Insurance | Start a quote today!

What better way to explore the hidden gems of Michigan than in an RV? But theft is an unfortunate possibility that can ruin a vacation.  Shield Insurance Agency explains how RV insurance coverage works in regard to the theft of personal belongings.

RV Insurance Liability Coverage Does Not Cover Personal Items

RV insurance policies typically have different coverage options that you can choose from. The most basic coverage option is liability coverage, which covers damages or injuries you cause to others while operating your RV. However, this coverage does not include coverage for personal belongings inside your RV.

Coverage Options To Protect Personal Belongings

To have full coverage for personal belongings inside your RV, you must purchase RV or scheduled personal property coverage. RV personal property coverage comes as an additional coverage option. It covers personal belongings inside your RV that are damaged or stolen due to covered events such as theft, fire, vandalism, or natural disasters. On the other hand, scheduled personal property coverage covers specific high-value items such as jewelry or antiques.

Keep Your Personal Items Safe

In addition to purchasing proper coverage, there are some preventative measures that you can take to reduce the risk of theft. One way is to keep valuable items out of sight, close windows and doors, and lock them when you leave. It is also recommended to use an alarm system or a surveillance camera to deter potential thieves.

Michigan RV insurance coverage for personal belongings inside your RV depends on your policy options. Liability insurance alone does not include coverage for personal belongings inside your RV.

More questions?

Contact Shield Insurance Agency today; we are here to help.


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What Is Power Steering Fluid?

What Is Power Steering Fluid?

Nationwide | February 22, 2023 | Power Steering | Auto Insurance | Start a quote today!

Like all fluids in your vehicle, power steering fluid plays an important and specific role in keeping your car operating at peak performance. This fluid is critical for providing the steering system with hydraulic assistance so you can turn your vehicle’s steering wheel easily. It also helps lubricate the power steering pump and the steering components. Power steering fluid even prevents corrosion. Because this fluid serves various purposes, you can see why it’s important to use the right kind. [1]

Where is the power steering fluid located?

When you’re looking for the power steering fluid under the hood, check the passenger side of the vehicle, and you should be able to spot the reservoir. The power steering fluid is usually in a white or yellow container with a black cap labeled “power steering” or “steering fluid.” [1]

How to check power steering fluid

If you hear a whining sound coming from your hood when you turn or if it’s becoming more difficult to turn, your car might be running low on power steering fluid.

Before checking your car’s power steering fluid, warm the engine to a normal operating temperature by turning the steering wheel in one direction until it stops. Next, turn the wheel all the way in the opposite direction. Repeat this process several times, then follow the steps below:

  1. Turn off the engine.
  2. Wipe the power steering reservoir and cap clean with a cloth.
  3. Check the dipstick attached to the reservoir to see the fluid level, then wipe it clean.
  4. If the fluid level is below the MIN line, add new fluid, careful not to exceed the MAX line.
  5. Examine the quality of fluid in the reservoir. [2]

What color is the fluid?

Most power steering fluid is red, amber, pink, or clear. If the fluid is lighter, it doesn’t contain any debris and is okay to use. It likely needs to be changed if it’s dark brown or foamy. [1]

What does power steering fluid do?

Power steering fluid is a hydraulic fluid used in the steering system to decrease the effort required to turn the wheels. It also lubricates the moving parts within the steering system and prevents corrosion in the power steering gear to keep the vehicle working optimally. [1]

How often do I need to replace the power steering fluid?

On average, your car needs a power steering fluid flush every 40,000 to 80,000 miles. Your recommended flush routine depends on your vehicle because the steering system and fluid needs vary by car. Check your owner’s manual for specific manufacturer recommendations. [3]

Can you drive without it?

When you drive without power steering fluid, you need to exert more force when turning the wheel, and the steering is much heavier. If you wait a long time before filling your car with power steering fluid, damage to the steering pump becomes inevitable. When the pump vanes lack lubrication, the risk of damaging the drive belt increases. The shaft and rack seal can also break down without power steering fluid. [4]

Cons of driving without fluid:

  • Noisy steering
  • Jerky or jumpy power steering
  • Difficulty turning the steering wheel
  • Stains or puddles under the vehicle
  • Locked steering wheel [5]

Types of power steering fluid

  • Automatic transmission fluid (ATF): The same fluid used for automatic transmissions can be used in some power steering systems.
  • Synthetic power steering fluid: A fluid usually engineered for specific types of cars or steering systems. Most newer vehicles use synthetic fluid created in a lab.
  • Nonsynthetic mineral power steering fluid: Mineral hydraulic fluid may be used in some instances that accept ATF. [2]

Which power steering fluid is right for your car?

No single rule applies when it comes to power steering fluids for cars. Instead, take time to review your owner’s manual, do some online research, or check with your dealership’s service department to ensure that the fluids you’re using are right for your car.

Power steering fluid substitutes

Can you use brake fluid for power steering fluid?

Using brake fluid in the power steering system will damage your car. Both fluids may have been similar in the past, but now they are very different and should only go in their designated systems. [6]

Can you use transmission fluid for power steering fluid?

It gets a little trickier when deciding if you can use automatic transmission fluid instead of power steering fluid. You want to ensure you’ve done your homework on this one before you consider swapping out fluids. While some systems were designed to use automatic transmission fluid, others require that you use only steering wheel fluid.

Before doing car maintenance on your own, check your owner’s manual to see what the car manufacturer recommends. It should specifically state in the manual which fluid to use. Some models require specific fluid types, such as synthetics, so it’s worth taking the time to track down the correct information. If you can’t find your owner’s manual, contact a car mechanic or car dealership and talk to the service department. [7]

Using the wrong type of fluid can cause damage to some seals, plastic, and rubber components inside your vehicle. And, if it doesn’t mix well with the fluid you’re adding it to, it could create an acidic reaction. [8]

Adding power steering fluid isn’t the only important maintenance task to perform on your car. Use this maintenance checklist to keep up with the various time-sensitive checks and changes your vehicle needs to run at its best.

Sources:

[1] “What Is Power Steering Fluid? Everything You Need to Know,” uti.edu/blog/automotive/power-steering-fluid (Mar. 29, 2021).

[2] “Power Steering Guide: Everything You Need to Know,” Chris Hardesty. kbb.com/car-advice/power-steering-guide (Oct. 12, 2021).

[3] “Do I Need a Power Steering Fluid Change?” chapelhilltire.com/do-i-need-a-power-steering-fluid-change (accessed Dec. 22, 2022).

[4] “Is it safe to drive a vehicle without power steering fluid?” cfmautopro.ca/blog/is-it-safe-to-drive-a-vehicle-without-power-steering-fluid (Jan. 7, 2021).

[5] “What Happens If You Drive The Car With Low Power Steering Fluid?” Tsukasa Azuma. carfromjapan.com/article/car-maintenance/what-happens-if-you-drive-the-car-with-no-power-steering-fluid (May 17, 2021).

[6] “Can I Use Break Fluid in Power Steering? What Will Happen?” drivinglife.net/brake-fluid-in-power-steering (July 2019).

[7] “How Much Does a Power Steering Flush Cost?,” gobdp.com/blog/power-steering-fluid-car/ (accessed Dec. 22, 2022).

[8] “Power Steering Fluid Alternatives,” Richard Reed. thevehiclelab.com/power-steering-fluid-substitute/ (Aug. 31, 2021).

Disclaimer:

The information included here is designed for informational purposes only. It is not legal, tax, financial or any other sort of advice, nor is it a substitute for such advice. The information may not apply to your specific situation. We have tried to make sure the information is accurate, but it could be outdated or even inaccurate in parts. It is the reader’s responsibility to comply with any applicable local, state or federal regulations. Nationwide Mutual Insurance Company, its affiliates and their employees make no warranties about the information nor guarantee of results, and they assume no liability in connection with the information provided. Nationwide and the Nationwide N and Eagle are service marks of Nationwide Mutual Insurance Company. © 2022 Nationwide and Shield Insurance Agency


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Your Guide to Driving in a Roundabout

Your Guide to Driving in a Roundabout

Nationwide | March 15, 2023 | roundabout | Auto Insurance | Start your quote today!

Even though roundabouts are more common in European countries, they are growing in popularity everywhere in the United States, especially in cities that want to increase traffic flow and prevent clogs at popular intersections. If you haven’t driven through a roundabout before, it can be confusing. That’s why it is essential to familiarize yourself with them so you can move around them safely. [1]

What is a roundabout?

A roundabout is a circular-shaped intersection where drivers move counterclockwise around a center point. There aren’t any traffic signals or stop signs. Instead, every driver yields at the entry of the roundabout to other traffic. Once you’ve entered the roundabout, you may enter the intersection and exit at your desired street. The Federal Highway Administration studied roundabouts and found they can increase traffic capacity by as much as 50 percent compared to more traditional intersections. [2]

What are the differences between roundabouts and traffic circles?

Although most people believe roundabouts and traffic circles are the same, the two have distinct differences. Traffic circles often have stop signs or traffic signals within the circle’s intersection. To enter the traffic circle, vehicles enter in a straight line. Vehicles in the circle have the right of way, while vehicles approaching and attempting to enter must yield to vehicles already in the circle. Traffic circles are designed to allow vehicles to enter and circulate at higher speeds, and they are typically much larger than roundabouts.

The roundabout is designed to provide a more positive direction to motorists as they approach, enter, and exit the roundabout. The entrances are tapered, so the vehicles don’t enter the roundabout at 90 degrees. Traffic speeds are lower compared with a traffic circle. In a roundabout, the entry points are yield-controlled, which prevents traffic from locking up and allows the free flow of vehicles. [3]

Top 7 tips for driving in a roundabout

  1. Slow down. Pay close attention to the change in speed limit around the roundabout and decrease your speed when approaching the entrance. Going slower allows you more time to make decisions and be better prepared to yield to other road users.
  2. Yield. Look around as you approach the roundabout. Yield to the drivers already in the roundabout and pedestrians and bicyclists in the surrounding area.
  3. Choose the right lane. If there is more than one lane, use the left lane to turn left, the right lane to turn right, and all lanes to go through, unless directed otherwise by signs and pavement markings. Make sure to use your indicator to let all cars in the roundabout know where you are going.
  4. Don’t drive next to large vehicles. Always assume trucks and larger vehicles need all available space. Therefore, do not pass them or drive close to them.
  5. Do not stop. Once you’ve entered the roundabout successfully, do not stop. If you miss your exit, continue driving in the roundabout until you have circled and reached your exit again.
  6. Stay in your lane. Do not change lanes within the roundabout. Instead, stay in the lane that you entered and use your right turn signal to indicate your intention to exit.
  7. Let emergency vehicles pass. Make sure to clear the roundabout to allow emergency vehicles to pass. [1]

Benefits of using a roundabout

Compared with other types of intersections, roundabouts have demonstrated many benefits. Roundabouts:

  • Improve safety: Slower speeds are generally safer for pedestrians. In addition, head-on, and high-speed right-angle collisions are virtually eliminated.
  • Reduce congestion: They make traffic efficient during peak hours and other times. Typically, there’s less of a delay.
  • Reduce pollution and fuel use: Fewer stops and hard accelerations mean less time idling.
  • Save money: There’s no signal equipment to install and maintain. Smaller roundabouts may require less right-of-way than traditional intersections. Often less pavement is needed. [4]

What else should you know about roundabouts?

Studies by the Federal Highway Administration suggest that roundabouts can improve traffic capacity by 30% to 50%. They can reduce overall collisions by 37%, injury collisions by 75%, fatal collisions by 90% and pedestrian collisions by 40%. Although the public tends to fear roundabouts when they are first introduced, the approval rate doubles once drivers get used to them. If you are concerned about your ability to successfully navigate a roundabout, consider taking an adult driver’s ed lesson to refresh your skills. [1]

With all this knowledge, now you can take to the road and successfully navigate roundabouts with ease. While on the road, ensure that your vehicle and you are protected with auto insurance.

Sources:

[1] “What Is a Roundabout and How Do I Drive Through One?” driversed.com/trending/what-roundabout-and-how-do-i-drive-through-one (Nov. 16, 2021).

[2] “How to Drive in a Roundabout: A Helpful Guide,” drivesafeonline.org/traffic-school/how-to-drive-in-a-roundabout (March 24, 2020).

[3] “Traffic Circles & Roundabouts,” Gordon Meth, robsonforensic.com/articles/traffic-circles-roundabouts-expert-article (June 4, 2013).

[4] “Roundabouts: A Safer Choice,” highways.dot.gov/sites/fhwa.dot.gov/files/2022-06/fhwasa08006.pdf (accessed Feb. 2, 2023).

Disclaimer:

The information included here is designed for informational purposes only. It is not legal, tax, financial or any other sort of advice, nor is it a substitute for such advice. The information may not apply to your specific situation. We have tried to make sure the information is accurate, but it could be outdated or even inaccurate in parts. It is the reader’s responsibility to comply with any applicable local, state, or federal regulations. Nationwide Mutual Insurance Company, its affiliates, and their employees make no warranties about the information nor guarantee of results, and they assume no liability in connection with the information provided. Nationwide and the Nationwide N and Eagle are service marks of Nationwide Mutual Insurance Company and Shield Agency. © 2023


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Scooter safety tips

Scooter safety tips

Foremost | Scooter Safety | Shield Insurance | Start a quote today!

With increasing gas prices it’s hard not to notice the spiking trend of people choosing scooters as alternate transportation. Whatever make or model you choose to fit your style, you can’t deny the money-saving and environmental effects riding a scooter has over driving a 2-ton motor vehicle that only gets 20 miles to the gallon.

A growing problem with having more people on scooters is how to safely share the road. State legislation varies on scooters; some states equate scooters with bicycles, in-line skates, and skateboards, while other states put scooters in the same category as motorcycles, requiring helmets and regulating where scooters can be ridden. Check your state’s DMV Web site for the appropriate laws and licensing rules for your state.

Regardless of where you live, scooters are most likely sharing the road with vehicles that significantly outweigh them and can easily overtake them. By using common sense and some very simple safety tactics, scooter riders can effectively, and safely, share the road with other vehicles.

Scooter safety tip: Wear a helmet

Even if your state does not require you to, studies show helmets significantly minimize head injuries if an accident occurs.

Scooter safety tip: Use your lights

Always turn on your headlight when you’re riding your scooter even during the day, especially if it’s raining, and of course always in the evening. Make sure you can be seen by other cars.

Scooter safety tip: use turn signals

Just like in a car, you need to let people know where you are going. In addition to a signal light, it’s also a good idea to use hand turn signals that motorcyclists and bicyclists use when they are sharing the road with cars. Based on U.S. standards, for a left turn, extend your left arm straight out in the direction of the turn, parallel to the road. For a right turn, extend your right arm straight out in the direction of the turn, parallel to the road.

Obey speed limits and road markings

Obey all posted limits and follow lane markings. Don’t attempt to make a right turn by coming up next to a vehicle on the shoulder, unless there is a lane. You could easily be in a car’s blind spot and be hit if they turn right as well and can’t see you.

Scooters are a fresh alternative to getting around town while saving money and the environment. Riding scooters present challenges that any motorist faces when sharing the road with vehicles of all sizes and speeds. Keep your head about you and make sure you put safety first when taking your new scooter out for a spin.

Looking for Scooter Insurance?

Foremost offers scooter insurance on all scooter makes and models and offers coverages such as:

  • Physical Damage and Liability
  • Total Loss Replacement Coverage
  • Towing and Roadside Assistance
  • Safety Apparel and Optional Equipment when Physical Damage coverage is purchased.

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