Attention Drivers: Here's What You Need to Know About Rental Car Insurance Coverage!

Attention Drivers: Here’s What You Need to Know About Rental Car Insurance Coverage!

Posted on by Shield Insurance Agency

Shield Insurance Blog | Rental Car | Auto Insurance | Start A Quote Today!

Renting a car can be a convenient and cost-effective way to travel, whether it’s for a business trip or a family vacation. However, before hitting the road, it’s essential to understand whether your car insurance policy covers you when you rent a vehicle. In this blog post, we will explore the ins and outs of rental auto insurance, including coverage options, potential gaps, and how to ensure you have adequate protection.

Understanding Rental Car Insurance:

When you rent a car, the rental company typically offers insurance coverage options at the counter. However, it’s important to note that these options are not mandatory, and you may already have coverage through your personal auto insurance policy. Let’s delve into the different types of coverage and how they work:

1. Liability Coverage:

Liability coverage protects you if you cause an accident that results in injury or property damage to others. Most personal auto insurance policies extend liability coverage, but it’s crucial to check your policy’s terms and limits.

2. Collision Coverage:

Collision coverage pays for damages to the rental car if you collide with another vehicle or object. If you have collision coverage on your personal auto insurance policy. However, it’s essential to review your policy to ensure there are no exclusions or limitations.

3. Comprehensive Coverage:

Comprehensive coverage protects against non-collision incidents, such as theft, vandalism, or natural disasters. Similar to collision coverage, your personal auto insurance policy may extend comprehensive coverage to rental cars, but it’s advisable to confirm this with your insurance provider.

4. Rental Car Reimbursement:

Rental car reimbursement coverage is an optional add-on to your personal auto insurance policy. It provides reimbursement for the cost of renting a vehicle while your car is being repaired due to a covered claim. This coverage is worth considering if you rely heavily on your vehicle and cannot afford to be without transportation.

Potential Gaps in Coverage:

While your personal auto insurance policy may cover rental cars, there could still be gaps in coverage. Here are a few scenarios where additional insurance may be necessary:

1. Rental Auto Damage:

If you damage the rental car, even if it’s covered by your personal auto insurance policy, you may still be responsible for paying the rental company’s deductible and any associated fees. To avoid unexpected expenses, consider purchasing a collision damage waiver (CDW) or loss damage waiver (LDW) from the rental car company.

2. Rental Car Accident:

If you’re involved in an accident while driving a rental car, your personal auto insurance policy’s liability coverage should protect you. However, if the damages exceed your policy limits, you may be personally liable for the remaining costs. In such cases, an umbrella insurance policy can provide additional liability coverage.

3. Rental Car Agreement:

Before renting a car, carefully review the rental car agreement to understand the terms and conditions. Some rental companies may hold you responsible for loss of use, administrative fees, or diminished value of the vehicle, even if you have insurance coverage. It’s crucial to be aware of these potential expenses and consider supplemental coverage if necessary.

In conclusion, it’s essential to review your personal auto insurance policy and understand the coverage it provides for rental cars. While liability, collision, and comprehensive coverage may extend to rental vehicles, there may still be gaps that could leave you financially vulnerable. To ensure adequate protection, consider purchasing additional coverage from the rental car company or exploring options with an independent insurance agency like Shield Insurance Agency, which represents over 40 insurance companies.

Remember, accidents can happen anytime, anywhere, and having the right insurance coverage can provide peace of mind during your rental car experience. Contact Shield Insurance Agency at (616) 896-4600 for a free quote today or start the quoting process by visiting this LINK, and an agent will be in touch soon. Safe travels!

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Find Out if Your Auto Insurance Covers Hit-and-Run Accidents!

Find Out if Your Auto Insurance Covers Hit-and-Run Accidents!

Posted on by Shield Insurance Agency

Shield Insurance Blog | Auto Insurance | Contact Our Office | Start A Quote Today!

Auto insurance is a crucial aspect of owning a vehicle, providing financial protection in the event of an accident. However, when it comes to hit-and-run accidents, many drivers are left wondering if their insurance policy covers such incidents. In this blog post, we will explore the different types of coverage offered by auto insurance policies and discuss whether they provide protection in hit-and-run situations. Understanding your insurance coverage is essential for ensuring you are adequately protected on the road.

Understanding Auto Insurance Coverage

Auto insurance policies typically offer various types of coverage, each serving a specific purpose. The most common types of coverage include liability coverage, comprehensive coverage, collision coverage, and uninsured motorist coverage.

1. Liability Coverage: This coverage protects you if you are at fault in an accident and covers the other party’s medical expenses and property damage.

2. Comprehensive Coverage: Comprehensive coverage protects your vehicle against non-collision incidents, such as theft, vandalism, or natural disasters.

3. Collision Coverage: Collision coverage covers the cost of repairing or replacing your vehicle if it is damaged in a collision with another vehicle or object.

4. Uninsured Motorist Coverage: This coverage protects you if you are involved in an accident with an uninsured or underinsured driver.

Does Auto Insurance Cover Hit-and-Run Accidents?

When it comes to hit-and-run accidents, the coverage provided by your auto insurance policy depends on the specific terms and conditions outlined in your policy. In most cases, hit-and-run accidents are covered under comprehensive coverage or uninsured motorist coverage.

1. Comprehensive Coverage: If you have comprehensive coverage, it may cover the damages caused by a hit-and-run accident. This coverage typically includes incidents where your vehicle is damaged while parked or when the other driver flees the scene without providing their information.

2. Uninsured Motorist Coverage: Uninsured motorist coverage can also provide protection in hit-and-run accidents. If the other driver involved in the hit-and-run incident is unidentified or does not have insurance, this coverage can help cover your medical expenses and vehicle repairs.

It is important to note that the specific terms and conditions of your insurance policy may vary, so it is crucial to review your policy or contact your insurance company to understand the extent of your coverage.

The Claim Process for Hit-and-Run Accidents

If you are involved in a hit-and-run accident, it is essential to follow the proper claim process to ensure you receive the coverage you are entitled to. Here are the general steps to take:

1. Gather Information: Collect as much information as possible about the incident, including the time, location, and any witness statements. If possible, take photos of the scene and any damages to your vehicle.

2. File a Police Report: Contact the local authorities and file a police report. Provide them with all the information you have gathered.

3. Contact Your Insurance Company: Notify your insurance company about the hit-and-run incident as soon as possible. They will guide you through the claim process and provide you with the necessary forms to fill out.

4. Provide Documentation: Fill out the claim forms accurately and provide any supporting documentation, such as the police report, photos, and witness statements.

5. Follow-Up: Stay in touch with your insurance company throughout the claim process. They may require additional information or documentation to process your claim.

In conclusion, whether your auto insurance covers a hit-and-run accident depends on the specific terms and conditions of your policy. Comprehensive coverage and uninsured motorist coverage are the most likely types of coverage to provide protection in hit-and-run incidents. To ensure you have the right coverage for your needs, review your insurance policy or contact your insurance company. Remember, accidents can happen at any time, so it is crucial to have adequate coverage to protect yourself and your vehicle. Contact Shield Insurance Agency at (616) 896-4600 for a free quote today or start the quoting process by visiting this LINK, and an agent will be in touch soon.

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Why tackling biodiversity loss could solve the climate crisis

Why tackling biodiversity loss could solve the climate crisis

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Positive News | Martin Wright | September 13, 2023 | biodiversity | Shield Insurance Agency Blog

Is tackling biodiversity loss or climate change more important? The beautiful thing that many people don’t realize is that doing the first will fix the second, writes Martin Wright

Can a grey wolf calm the climate? Can a whale tame the skies?

No, those aren’t the chorus lines of some whimsical 70s folk song. Rather, they’re the sort of legitimate questions arising from a fascinating new study into a previously overlooked, but potentially crucial, benefit of rewilding.

It found that maintaining healthy populations of just nine key wild species (or groups of species) – including elephants and wolves, but also wildebeest, musk ox, and bison, as well as marine fish, whales, sharks, and sea otters – can play a vital role in controlling the carbon cycle on land and sea. How? Because in order for such creatures to thrive, they need a viable habitat. And if that’s conserved, whether in the oceans, forests, grasslands, or swamps, so are the many ways in which its natural properties of sequestering and storing carbon are maintained, too.

The overall impact could be, to put it mildly, massive. Compiled by 15 scientists from eight different countries, the study concluded that it could collectively enable the capture of 6.41 billion tonnes of carbon dioxide every year. This is equivalent to a cool 95 percent of the total needed to meet the Paris Agreement target of removing enough carbon from the atmosphere to keep global temperature rises below the 1.5C threshold.

The mechanisms by which this can happen are many and varied. Whales, for example, directly store carbon in their bodies, while the (substantial) quantity of whale poo is thought to stimulate the growth of phytoplankton. These in turn sequester shedloads of CO2 – as much as 1.7tn trees, or four Amazon rainforests’ worth.

Other creatures have a less dramatic, but no less beneficial impact. Take wolves. When they were reintroduced into Yellowstone Park in the US in the mid-90s, they triggered an extraordinary array of changes, from the recovery of local woodlands to the revival of populations of beavers, swans, and wildflowers, regenerating a climate-friendly ecosystem.

The study’s leader, Yale School of the Environment’s Professor Oswald Schultz, commented that “wildlife species, throughout their interaction with the environment, are the missing link between biodiversity and climate. This interaction means rewilding can be among the best nature-based climate solutions available to humankind.”

This news couldn’t come at a better time for advocates of a wilder world. Because rewilding’s had a mixed press of late. While many applaud the progress made in places like the Knepp Estate in Sussex, or Wild Ken Hill in Norfolk, others are skeptical. Much, but not all, of that skepticism is unfounded.

Fears that rewilding would harm food security are largely groundless: most nature recovery projects are happening on relatively unproductive land, and the benefits they bring, such as reducing floods, boosting populations of natural pest controllers, and conserving soil, can actually have positive impacts on food production in fields nearby.

At various times, though, sweeping efforts to rewild land or sea, in places as diverse as Wales, Scotland, the Netherlands, and Tanzania, without bringing local people on board, have drawn some understandable criticism. This is why the best nature recovery projects make sure to put humans at the heart of it all.

Read the full story at Positive News

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The Surprising Way Household Rating Impacts Your Car Insurance Costs

The Surprising Way Household Rating Impacts Your Car Insurance Costs

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Shield Insurance Blog | Household Rating | Start A Quote Today!

When it comes to car insurance, there are many factors that can impact your premiums. From your driving record to the type of car you drive, insurance companies take a variety of factors into consideration when determining your rates. However, one factor that you may not be aware of is your household rating.

What is Household Rating?

Household rating is a term used by insurance companies to determine the risk associated with insuring a particular household. It takes into account the number of drivers in the household, their ages, and their driving records. Insurance companies use this information to assess the likelihood of accidents or claims occurring within the household.

How Does Household Rating Impact Your Car Insurance Costs?

The impact of household rating on your car insurance premiums can be significant. Insurance companies consider households with multiple drivers, especially young or inexperienced drivers, to be at a higher risk of accidents. As a result, they may charge higher premiums to cover this increased risk.

For example, if you have a teenage driver in your household, your car insurance rates are likely to be higher than if you were the only driver. This is because statistics show that teenage drivers are more likely to be involved in accidents. Insurance companies take this into account when determining your rates.

Similarly, if you have multiple drivers with poor driving records in your household, your car insurance premiums may also be higher. Insurance companies view drivers with a history of accidents or traffic violations as a higher risk and therefore charge higher premiums to cover this risk.

On the other hand, if you have a clean driving record and no other drivers in your household, you may be eligible for lower car insurance rates. Insurance companies consider individuals with a good driving record to be less likely to be involved in accidents and therefore charge lower premiums.

How Can You Minimize the Impact of Household Rating on Your Car Insurance Pricing?

While you may not be able to change the number of drivers in your household or their ages, there are steps you can take to minimize the impact of household rating on your car insurance costs.

1. Encourage safe driving: By promoting safe driving habits within your household, you can reduce the likelihood of accidents or claims. This can help lower your car insurance premiums over time.

2. Take advantage of discounts: Many insurance companies offer discounts for safe driving, completing driver’s education courses, or having multiple policies with the same company. Be sure to ask your insurance agent about any available discounts that you may qualify for.

3. Shop around for the best rates: Not all insurance companies weigh household rating the same way. Some may offer more competitive rates for households with multiple drivers or young drivers. By shopping around and comparing quotes from different insurance companies, you can find the best rates for your specific household rating.

4. Consider a different insurance company: If you find that your current insurance company is charging high premiums based on your household rating, it may be worth considering switching to a different company. Shield Insurance Agency, for example, represents over 40 insurance companies and can help you find the best rates for your specific household rating. Contact Shield Insurance Agency at (616) 896-4600 for a free quote today or start the quoting process by visiting this LINK and an agent will be in touch soon.

In conclusion, household rating is an important factor that can impact your car insurance costs. Insurance companies consider the number of drivers in your household, their ages, and their driving records when determining your rates. By promoting safe driving, taking advantage of discounts, shopping around for the best rates, and considering a different insurance company, you can minimize the impact of household rating on your car insurance pricing. Remember, Shield Insurance Agency represents over 40 insurance companies and can help you find the best rates for your specific household rating.

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Oregon Is Turning Sewage Into an Endless Supply of Green Energy

Green Energy: Oregon Is Turning Sewage Into an Endless Supply

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Good Good Good | SEP 7, 2023 | Green Energy | Shield Insurance Agency Blog

Converting sewage into heat and electricity offers a compelling proposition: more waste equals more green energy and clean power.

In the summer of 2020, as wildfires burned across more than a million acres in Oregon, workers at Clackamas County’s water treatment facility started calling each other.

From their homes, they could see that the towers of flames were closing in on the wastewater treatment plant. Power was failing all over the state.

If the facility lost power, it could flood the Willamette River with untreated waste, causing untold environmental damage.

In the end, the facility remained powered up and the Willamette was spared. But with wildfires and extreme weather increasingly common, the incident underscored how generating and storing renewable power on-site could build resiliency into the system.

“It’s extremely energy-consumptive to treat wastewater,” says Dave Moldal, program manager at Energy Trust of Oregon.

As the region grows in population, the more energy the wastewater plant requires. But what if increasing volumes of wastewater could provide the treatment plant with more energy rather than consume it? That’s exactly what’s been happening at Clackamas County’s Tri-City Water Resource Recovery Facility for the past seven months.

Since August 2021, the plant has been pumping out renewable power produced from methane, a natural byproduct of human waste decomposing in an oxygen-free environment.

Now, this loop of green energy represents a powerful example of how waste can become something we benefit from rather than expend resources disposing of.

By turning human waste into power, wastewater treatment facilities have the potential to become energy generators instead of consumers, while creating clean water that’s returned to the local ecosystem.

When wastewater arrives at Clackamas Water Environment Services’ treatment plant, it contains pretty much what you’d expect — human waste, paper, food, soap, sand — plus a random assortment of items that people accidentally flush or drop into drains, like a miniature Stormtrooper helmet, a Pee-wee Herman doll, and a rubber elephant, all of which are proudly on display at the facility.

However, the individuals who work here don’t consider this to be a mere waste treatment facility. Instead, they see it as a place where clean water and fertilizer for non-food crops is produced. And now, they’ve added a third item to the list of beneficial resources they churn out: green energy.

Visit the full story at Good Good Good

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Garage Fire Alert: Is Your Car Protected by Homeowners Insurance?

Homeowners Insurance 🔥 Garage Fire Alert: Is Your Car Protected?

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Shield Insurance Blog | Homeowners Insurance | Start A Quote Today!

If my garage burns down, will my homeowner’s insurance cover my car? This is a question that many homeowners may have after experiencing a devastating garage fire. The thought of losing both your home and your car in such a tragic event can be overwhelming, but understanding your insurance coverage can provide some peace of mind.

Homeowners Insurance

Garage fire insurance coverage is an important aspect of homeowners insurance. While homeowners insurance typically covers damage to your home and personal belongings, it may also extend coverage to your car if it is damaged or destroyed in a garage fire. However, it’s important to review your policy carefully to understand the specific coverage limits and exclusions.

Homeowner insurance and car coverage go hand in hand when it comes to garage fires. In most cases, if your garage is attached to your home, the damage to your car would be covered under your homeowner’s insurance policy. This coverage typically includes not only the cost of repairing or replacing your car but also any personal belongings that may have been damaged in the fire.

Car Insurance

Car insurance after a garage fire is another consideration. If your garage is detached from your home, your car may be covered under your auto insurance policy rather than your homeowners insurance. It’s important to contact your insurance carrier to determine the appropriate coverage and file a claim as soon as possible.

Insurance coverage for a car in a garage fire can vary depending on the specific circumstances and the terms of your policy. Some policies may provide coverage for the actual cash value of your car, while others may offer replacement cost coverage. It’s important to review your policy and discuss your options with your insurance agent to ensure you have the appropriate coverage in place.

Home insurance and car protection are crucial in the event of a garage fire. Your insurance policy is designed to protect your assets and provide financial support in times of need. By having the right coverage in place, you can have peace of mind knowing that your car will be protected in the event of a garage fire.

Do you have adequate Homeowners Insurance Coverage?

Car coverage in case of a garage fire is not something that should be overlooked. It’s important to review your insurance policy regularly and make any necessary updates to ensure you have adequate coverage. This includes reviewing your coverage limits, deductibles, and any additional endorsements or riders that may be available to enhance your coverage.

Homeowner insurance and car damage go hand in hand when it comes to a garage fire. Your insurance policy is designed to protect your home and its contents, including your car. By having the appropriate coverage in place, you can have peace of mind knowing that you will be financially protected in the event of a garage fire.

Garage fire and auto insurance are also interconnected. If your car is damaged or destroyed in a garage fire, your auto insurance policy may provide coverage for repairs or replacement. It’s important to contact your insurance carrier as soon as possible to file a claim and discuss your options.

Car protection in a garage fire is essential. Your car is a valuable asset, and having the right insurance coverage can help protect you from financial loss. By reviewing your policy and discussing your options with your insurance agent, you can ensure that you have the appropriate coverage in place to protect your car in the event of a garage fire.

In conclusion, it’s important to understand the coverage provided by your homeowner’s insurance in the event of a garage fire. While coverage can vary depending on the specific terms of your policy, most homeowners insurance policies will provide coverage for your car if it is damaged or destroyed in a garage fire. It’s important to review your policy, contact your insurance carrier, and discuss your options to ensure you have the appropriate coverage in place. Shield Insurance Agency represents over 40 insurance companies and can help you find the right coverage for your needs. Contact Shield Insurance Agency at (616) 896-4600 for a free quote today or start the quoting process by visiting this LINK and an agent will be in touch soon.

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Will my insurance cover a rental car if my car breaks down? Find out now!"

🚗🔧 Will my insurance cover a rental car if my car breaks down? Find out now!

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Shield Insurance Blog | Rental Car | Auto Insurance | Start A Quote Today!

When it comes to car insurance, there are many questions that can arise. One common question that many people have is whether their insurance will cover a rental car if their own car breaks down. In this blog post, we will explore this topic and provide you with the information you need to know.

First and foremost, it is important to understand the different types of coverage available with auto insurance. The most basic type of coverage is liability insurance, which covers damages to other people and their property if you are at fault in an accident. This type of coverage does not typically extend to rental cars.

However, there are other types of coverage that may provide coverage in the event of a breakdown. One such coverage is called comprehensive coverage. Comprehensive coverage is designed to cover damages to your own vehicle that are not the result of a collision, such as theft, vandalism, or natural disasters. Some comprehensive policies may also include coverage for rental cars if your own car is in the shop for repairs due to a breakdown.

Another type of coverage is called roadside assistance or breakdown coverage. This coverage is designed to provide assistance if your car breaks down, such as towing, jump-starting a dead battery, or changing a flat tire. Some roadside assistance policies may also include coverage for a rental auto while your car is being repaired.

It is important to note that not all insurance carriers offer rental auto coverage in the event of a breakdown. It is always a good idea to review your policy or contact your insurance carrier to determine if this coverage is included in your policy. If it is not, you may have the option to add it for an additional premium.

If your insurance policy does not include rental car coverage for breakdowns, there are other options available to you. One option is to purchase rental car insurance from the rental car company itself. This type of insurance typically provides coverage for damages to the rental car and may also include liability coverage. However, it is essential to note that rental car insurance can be expensive and may duplicate coverage that you already have through your own auto insurance policy.

Another option is to consider purchasing a separate breakdown insurance policy. This type of policy is specifically designed to cover the costs associated with a breakdown, including the cost of a rental autowhile your car is being repaired. Breakdown insurance policies can be purchased from various insurance companies and may provide coverage for a wide range of breakdown-related expenses.

In conclusion, whether your insurance will cover a rental car if your car breaks down depends on the specific coverage you have in your policy. Liability insurance typically does not provide rental car coverage, but comprehensive coverage and roadside assistance or breakdown coverage may include this type of coverage. If your policy does not include rental car coverage, you may have the option to add it for an additional premium or consider purchasing rental car insurance from the rental car company or a separate breakdown insurance policy.

If you have any questions about your car insurance coverage or would like to explore your options for rental car coverage, it is always a good idea to contact your insurance carrier or speak with an insurance agent. Shield Insurance Agency represents over 40 insurance companies and can provide you with a free quote and personalized advice. Contact Shield Insurance Agency at (616) 896-4600 for a free quote today or start the quoting process by visiting this LINK and an agent will be in touch soon.

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Renewables are on track to keep getting cheaper and cheaper

Renewables are on track to keep getting cheaper and cheaper

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A new report says that ongoing improvements in renewables tech will keep driving steep cost declines that make them even more competitive against fossil fuels.

Canary Media | Sept 2023 | Alison F. Takemura | Renewables | Shield Insurance Blog

Canary Media’s chart of the week translates crucial data about the clean energy transition into a visual format.

Renewable energy already beats fossil fuels on cost globally — and according to analysts, the gap is only going to grow.

By 2030, technology improvements could slash today’s prices by a quarter for wind and by half for solar, according to the authors of a recent report from clean energy think tank RMI. (Canary Media is an independent affiliate of RMI.)

These remarkable and ongoing cost declines have made clean energy so attractive that it now outcompetes fossil fuels for new investment: 62 percent of global energy investment is expected to flow to clean energy technologies this year.

That cash is helping push renewables to new heights. According to estimates from the International Energy Agency, global clean energy capacity is expected to jump a jaw-dropping 107 gigawatts to more than 440 gigawatts this year — its largest increase ever.

What we’re living in ​“is an energy technology revolution,” said report co-author Kingsmill Bond, an energy strategist at RMI. It’s obvious from the data, yet the point is often lost in ​“a consistent drumbeat of counternarratives” about how difficult it is, and will be, to leave fossil fuels behind, he added.

“U.S. fossil-fuel demand peaked 15 years ago,” Bond said. ​“This is happening; people have just missed it.”

Renewable energy costs have fallen, and are projected to keep falling, because these technologies are riding ​“learning curves”: For every cumulative doubling of the deployed tech, its cost declines by a quantifiable percentage that varies by technology. Learning curves are a robust phenomenon that’s been observed for over 50 kinds of tech. Over the past 40 years, the average learning rate has been 20% for solar and 13% for wind.

That’s the underappreciated power of learning by doing; the more solar panels and turbines people make, the more they discover how to make them better, faster and cheaper. The RMI report’s range of forecasted cost declines is based on both these long-term average learning rates and the higher rates observed in more recent years (30% for solar and 25% for wind).

Fossil fuels, by contrast, have not gotten on empirical learning curves. For more than a century, fossil fuel prices have swung wildly without trending consistently downward. 

Visit Canary Media for the full story

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State minimum coverage: Find out if state minimum coverage is leaving you vulnerable

State minimum coverage: Find out if state minimum coverage is leaving you vulnerable

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Shield Insurance Blog | State minimum coverage | Start A Quote Today!

When it comes to auto insurance, many people wonder if they really need more than the state minimum coverage. After all, the state requires a certain level of coverage to legally drive on the roads, so why would you need anything more?

While it may be tempting to stick with the minimum coverage required by law, there are several reasons why it is often a good idea to consider getting additional coverage. In this blog post, we will explore the importance of having more than the state minimum coverage and why Shield Insurance Agency is the best choice for finding the right coverage for your needs.

Shield Insurance Agency represents over 40 insurance companies, which means we have access to a wide range of coverage options. Our experienced agents can help you navigate through the different policies and find the one that best suits your needs and budget. Whether you are a new driver or have been on the road for years, we can help you find the right coverage to protect yourself and your vehicle.

One of the main reasons why it is important to have more than the state minimum coverage is to protect yourself financially in the event of an accident. While the state minimum coverage may be enough to cover damages to the other party involved in the accident, it may not be enough to cover your own medical expenses or repair costs. Without adequate coverage, you could be left with a hefty bill that you have to pay out of pocket.

Having more than the state minimum coverage can also provide you with peace of mind. Knowing that you have comprehensive coverage that will protect you in a variety of situations can help alleviate the stress and worry that often comes with driving. Whether it is a minor fender bender or a major collision, having the right coverage can make all the difference in how you handle the situation.

Another reason to consider getting more than the state minimum coverage is to protect your assets. If you are found at fault in an accident and the damages exceed your coverage limits, you could be held personally responsible for the remaining costs. This could include not only the damages to the other party’s vehicle but also any medical expenses or legal fees that may arise. By having additional coverage, you can help safeguard your assets and protect yourself from potential financial ruin.

At Shield Insurance Agency, we understand that everyone’s insurance needs are different. That is why we offer a personalized approach to finding the right coverage for you. Our agents will take the time to understand your specific needs and budget and then work with our network of insurance companies to find the best policy for you. We believe in providing our clients with options and ensuring that they have the information they need to make an informed decision.

Contact Shield Insurance Agency at (616) 896-4600 for a free quote today or start the quoting process by visiting this LINK and an agent will be in touch soon. We are here to help you navigate the often confusing world of insurance and find the coverage that is right for you. Don’t leave your financial future to chance – let Shield Insurance Agency help you protect what matters most.

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This Terrifying Alien-Like Creature With 20 Arms Was Just Found In The Depths Of The Antarctic Ocean

This Terrifying Alien-Like Creature With 20 Arms Was Just Found In The Depths Of The Antarctic Ocean

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All That’s Interesting.com | By Austin Harvey | August 17, 2023 | Alien-Like Creature | More Blogs

The Promachocrinus fragarius, or Antarctic strawberry feather star, sports around 20 feather-like arms for navigation and additional clawed tendrils used for crawling along the ocean floor, an alien-like creature.

Marine scientists have recently confirmed the existence of a new species of invertebrate living in the waters of Antarctica — a terrifying strawberry-like sea creature with 20 arms

Named Promachocrinus fragarius, or “Antarctic strawberry feather star,” this newly discovered sea creature’s name might be something of a shock at first glance. Surely, it doesn’t look much like a strawberry at all. But upon further inspection, the little nub at the base of its 20-something arms does indeed resemble the titular fruit.

Greg Rouse, a marine biology professor at the University of California, San Diego, co-authored the study chronicling the discovery of the Antarctic strawberry feather star. Speaking with Insider, Rouse explained that in photographs, the team removed some of the creature’s cirri — the smaller tentacle-like strings protruding from its base — to show off its strawberry-like shape.

“We’ve taken away a bunch of the cirri so you can see the parts that they’re attached to, and that’s what looks like a strawberry,” he said. Rouse added that the cirri have small claws at the end, which allow them to hold on to the bottom of the seafloor.

Fragarius is from the Latin “fragum,” meaning strawberry.

The creature’s arms, meanwhile, are much longer and feathery. As the appendages are a bit more spread out, the creature is able to move elegantly through the ocean waters.

The team from the Scripps Institution of Oceanography published their findings in the journal Invertebrate Systematics in July 2023.

Technically, the Antarctic feather star falls under the Crinoidea class, placing it in the same category as starfish, sea urchins, sand dollars, and sea cucumbers.

More on the story…

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