How to Select a Contractor

 

Picture1-300x284With the freezing temperatures across the country, many people have been running into an increasing number of water claims needing mitigation service. Following this the onset for the need of mitigation services, many have been experiencing difficulties getting quick service as many are operating at full capacity.

While it is first advised that you work with a preffered contractor of your insurance company, many insurance companies are advising customers to do what they can do to reduce their loss by contacting other mitigation companies if assistance is delayed.

Which brings up the question, ‘Who to Trust?’, here are a few here are a few questions to ask the contractor that should answer your question:

  • Does the contractor want payment up front?
  • Can the the contractor provide References?
  • Do they have an active license?
  • Are they bonded or insured?
  • Does the company have a local office or have a local telephone number?

If any of the above questions are not answered favorably, these are red flags that you should look elsewhere.

Was your Credit Card And Personal Information a “Target”?: Tips for all Target Customers

As news became public last month that the holiday Target hack stole 40 million credit card and debit card consumer information, this brought into spotlight once again the potential for identity theft everywhere we shop. Then this month when it was announced that the hack also broke into the Target massive information database with a potential exposure of 70 million consumers, even I began to look over my statements and banking information to make sure there was no unwanted activity. This compromised phone numbers, emails and home addresses.

According to the Consumer Federation of America Advocate, Susan Grant: ” The possibilities are so much greater now that this other information has been compromised.”

In light of this, Target has set up several avenues to support as they conduct the investigation to see how far back this goes, banks have also been active in taking measures to try to protect customer information that was potentially compromised during the breach.

Here are some specific things to keep in mind in reference to this and to how to avoid being a victim of identity theft with the information that hackers now have.

  • Watch out! Be on the look out for fake phones calls, emails and letters in the mail now that all 3 forms of communication are available to them. Do not supply personal information or click on any links even if it looks official. Instead, if you are concerned consider going directly to the source. If a bank or target calls your phones and says you  have been affected by the Target hack. Call the bank number on the back of your credit card to resolve the issue. If an email claims to be from Target, go to Target.com/databreach.
  • It’s Free! Sign up for free fraud monitoring. Target is offering one year free credit monitoring for anyone who has shopped in their U.S stores as well identity protection. Click here for instructions on how to sign up.
  • It’s Your Call! Don’t wait for a call from Target, a bank or your credit card company. Call and let them know if you shopped at Target during the period of concern. Many banks as well as Target with their “Red Cards” have been issuing new cards and supplying new PINS as a precaution. Target has a phone line for any customer that suspects fraud on their credit card, (866-852-8680)
  • Important Homework Assignment: Given the nature of the personal information that is at risk, review any website that manages your credit card. If they have access to your email and any credit or debit information they could possibly try to log-on as you.

Lastly, please contact your agent, WTM to make sure you have the appropriate Identity Theft Protection on your policy. Likewise, businesses should make sure that they have a Cybersecurity policy in place, should any of their customer information be compromised in any way.

 

January is National Blood Donor Month

January has been designated National Blood Donor Month to raise awareness for blood donation during a time of the year when blood donations are down. Did you know that there is a huge decline in donations during the post-holiday season? This is attributed to the fact that there is often inclement weather and busy schedules following the holidays.

Blood only has a shelf life of 42 days, to ensure stable inventory there needs to be a constant supply available to premature babies, cancer patients and people who have had accidents or other illnesses that require a transfusions.

Eligible donors are people age 17(or 16 with parental consent) and older who weigh at least 110 pounds and meet height and weight requirements.

So consider making an appointment this month while donations tend to fall to their lowest levels!

To make an appointment call 1-800-REDCROSS.

To find a donation center or blood drive closest to your place of work or home visit, redcross.org

Here are some donation centers in the Atlanta area, and there are also blood drives in your area as the American Red Cross hosts more than 200,000 blood drives nationwide each year, look for these local drives on the above listed website.

Cobb Donor Center 2145 Roswell Rd, Ste 250 Marietta, GA. 30062

Gainesville Donor Center  311 Jesse Jewell Pkwy,SW Gainesville, GA. 30503

Alpharetta Donor Center  3000 Old Alabama Rd Alpharetta, GA. 30022

Duluth Donor Center  3090 Premiere Pkwy Duluth, GA. 30097

Midtown Donor Center 1955 Monroe Drive, NE Atlanta, GA 30324

Blood Statistics and Trivia (Red Cross)

  • Every 2 seconds someone in the US needs blood
  • One pint of blood can save up to 3 lives
  • More than 41,000 blood donations are needed daily
  • Five million patients in the U.S. need blood each year
  • Less that 38% of the population is eligible to give blood
  • Thirty million blood components are transfused each year

Atlanta Holiday Activities

Whether you are looking for fun holiday event to take the family to or looking for a charitable deed to give back this holiday season. Atlanta has all kinds of traditional, delightful and charitable events to get you in the holiday spirit.

Here is a guide to just a few of the main attractions you can check out in Atlanta this holiday season that can be enjoyed by all.

Atlanta Events to “Light” up the Night

  • Garden Lights, Holiday Lights  (Atlanta Botanical Gardens) 11/16/13-1/4/2014 See your favorite Atlanta gardens transformed into a twinkling winter wonderland. A favorite local event the whole family will love. Click here for more information.
  • Magical Night of Lights (Lake Lanier Islands Resort) 11/15/13-12/31/13 Drive over Snowflake Bridge , tour the 12 days of Christmas, view the like nativity and much more at Lake Lanier. A little outside of town, this will be worth the driver. Click here for more information.
  • Callaway Gardens Fantasy in Lights (Callaway Gardens) 11/22/13-12/30/2013 Over 8 million lights, 15 dazzling scenes, and a night full of fun. For more information on how to light up your night at Callaway click here.
  • Gift of Lights at Atlanta Motor Speed Way (Atlanta Motor Speed Way) 11/22/13-1/4/2014 This speed way turns into one of the largest drive-through Christmas light parks! Click here for more information.

Family Winter fun events

  • Macy’s Pink Pig at Lenox Square (Lenox) 11/2/13-1/5/2014 Take advantage of Atlanta’s most iconic and beloved tradition. Priscilla the pig will be once again taking kids through a life sized story book in the 1950’s themed Pink Pig tent. Click here for more information.
  • Centennial Olympic Park Ice Rink and Holiday in Lights  11/23/13-1/4/14 Experience the downtown  Atlanta park come to life with lights and offer Atlanta’s outdoors ice skating rink. Click here for more information
  • Atlantic Station Winter Wonderland and Ice Skating Rink 11/15/13-2/14/14 A modern-day winter wonderland will be the back drop for a 10,000 Square foot open air ice skating rink. In addition to all of the available restaurants and retail. Click here for more information.
  • Horse Drawn Sleigh Rides Through Vinings Jubilee 12/20/13 only! Have a romantic ride through the Vinings shopping district. These complimentary horse-drawn sleigh rides will add an element of fun and romance to your shopping experience.

Christmas Shows Playing in Atlanta

  • A Christmas Carol Playing at the Alliance Theatre (11/29/13-12/29/13) click here for more information. Also playing at Shakespeare’s Tavern (12/5/2013-12/23/2013), click here for more information. Enjoy this Christmas classic live on stage at either one of these great downtown locations!
  • A Christmas Tradition Playing at Earl Smith Strand Theatre(12/6/13-12/22/13)During the first three weekends of December, The Strand will be hosting a big and elaborate production with voices and high energy dances to all of the classics in “A Christmas Tradition”. Click here for more information.
  • Atlanta Ballet’s Nutcracker Playing at the Fox Theatre (12/6/13-12/29/13) This season brings the return of Atlanta Ballet’s Nutcracker to the Fox. For more information click here. No better way to get into the holiday spirit.
  • It’s a Wonderful Life  Playing at Ferst Center for the Arts at Georgia Tech. 12/17/13-12/29/13) Come see your favorite Holiday story live on stage. Click here for more information.

Holiday Volunteer Opportunities for the Family in the Atlanta Area

  • Senior Connections This organization provides meals, housecleaning, home repairs and visits to seniors. Families can volunteer to help prepare and deliver food to seniors on Christmas day this year. This can also be done on a weekly, monthly or quarterly basis as a volunteer opportunity. Click here for more information.
  • Atlanta Community Food Bank  They deliver of 15 million lbs of food each year through Atlanta and North Ga. This requires over 15,000 volunteers, families can volunteer through organizing a food drive in their local community or in the product rescue center to inspect, sort and pack items donated for distribution. Click here for more information on how to get involved.
  • Buckhead Christian Ministry Volunteer here to host or stock shelves for a toys for the “Joyous Toy Stores” where needy parents are given vouchers to shop for toys for their children. Another option is to “Adopt-a-Family” and fulfill the wishes on their holiday list. For more information go here.

These are just a few of many volunteer opportunities, for more information and resources to pair you with individual and family opportunities click here.

Here’s to WTM wishing you a Christmas filled with fun, family and great memories!

Social Liability: Ways to Make Sure you Don’t Serve a Lawsuit at Your Holiday Party

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Planning on hosting a party this year whether at your home or work place? The guest list, decorations, food and activities are the not the only items to keep in mind when planning your party. Many across the country host and attend holiday parties unaware of the risks. As an independent insurance agent, WTM would like to explain some of the responsibilities of inviting others into your home and serving food and drinks.

While holiday parties are encouraged for this festive time of year. Understanding the risks and planning accordingly will go a long way to make sure that a lawsuit will not be served at this year’s holiday party.

Prep:  

  • Individuals should call WTM and make sure that there is sufficient liability on their homeowners or renters policy for protection in the event that they are sued or found liable for and accident or illness that could occur from serving food and drinks.
  • Know your state statutes and laws. In many states, party hosts can be held liable if a guest is involved in an alcohol-related accident.
  • Consider an Umbrella Policy, this type of coverage is a great idea for a frequent host. Umbrella Insurance provides exactly the type of coverage that it sounds like it would; it provides an umbrella for you to stand under. This protects your assets should a lawsuit occur over your homeowners or renters policy limits on your property.
  • Reasearch Caterers and delis and use only reputable establishments.

 

Party Time:

  • Watch what you eat and serve to others, not talking about the waist line. Make sure you inspect both food that is catered and prepared at home to make sure nothing looks undercooked or unsanitary. Have needed serving supplies for hot and cold foods to serve at the appropriate temperatures.
  • Stop serving alcohol at least an hour before the party ends. If you are having a large party, you might consider hiring an off duty police officer to handle any alcohol related problems as guests leave.
  • Mix up the activities at the party, have activities that do not center around drinking. Have a mix of beverages that are alcoholic and non-alcoholic so as to vary beverage options. Know who designated drivers are ahead of time.
  • If you do not feel comfortable with the liabilities associated with hosting at your home, consider hosting at a restaurant that has a liquor license and can take on the liability

 

Happy and safe holidays to everyone!

 

 

 

 

Ideas for the best online shopping experience on Cyber Monday

If you didn’t get all of the sales you wanted on Black Friday, Cyber Monday is here. Though there may be no physical crowds to deal with, it is still a good idea to have a plan for online gift buying this year. So as you go online for the biggest online shopping day of the year, here are few tips to keep in mind to create the best online shopping experience possible.

  • Book Mark links you would like to visit ahead of time
  • Research and make a list before starting, know pricing on items needed so you can recognize a deal
  • Set a budget as corresponds with the above created list
  • Only shop remaining bargains after listed items are accounted for
  • Shop from the bottom up. most visitors start and snatch flash sales near the top
  • Sort by size, there is no sense in falling in love with an item if they don’t have your size left
  • Target the sites that you frequent and could possibly have loyalty points to redeem
  • If you see something great, buy it right away

If you buy any big ticketed items online this year, don’t forget to talk to your local agent, WTM to make sure that you have the appropriate coverages on your insurance policies.

Happy Monday and Happy Shopping!

 

Recipes You Will Want to Gobble Up with Your Turkey: From the WTM Team Kitchens

Photo Credit: https://goo.gl/8dMtGw

Here are some favorite Thanksgiving recipes from around here at WTM ! Some of these you may just want to incorporate into your Thanksgiving Day feast next week! Getting hungry just looking at these recipes. Enjoy!

Favorite Thanksgiving Traditional Dishes

MiMi’s Cornbread Stuffing (Contributor: Beth Daniels)

  • Cornbread(2 1/2 c) Bread(biscuit or roll) (1 1/2c),
  • Pepperidge Farm Stuffing Mix (1 1/2 c)
  • Eggs(2-3), Hot chicken broth (1-2 c), Margarine-1 stick(1/2 c)
  • Salt, pepper, sage, lemon pepper to taste
  • Celery and Onion (3/4 c)

Mix bread together. Add eggs and broth, add margarine, seasonings and vegetables. Mix well in bowl and cover.

Refrigerate overnight (will be very wet) Cook in 350 degree oven for 30-40 minutes or until the it is the color you would like it.

*Note  Cornbread should be at least a day old and bread should be stale if possible. Biscuits make it really nice.

Crock Pot Dressing (Contributor: Debbie Burns)

  • Bread (13-14 c)
  • Eggs(2), Butter(1 c), Mushrooms (1, 8oz can)
  • Poultry seasoning, Salt, Sage,Thyme to taste (1-1 1/2 tsp recommended)
  • Chicken or Turkey broth(3 1/2 -4 c)
  • Onions and Celery chopped  (2 c)
  • Parsley (1/2 c)

Melt butter and saute onions and celery until tender. Add herbs and seasonings and pour over bread. Moisten with broth.

Add beaten eggs. Pack into crock pot, Cook on high for 45 minutes or low for 4-8 hrs.

Ray’s Grilled Pineapple (Contributor: Ray Williams)

  • Pineapple (1 fresh, 1/2 in slices)
  • Bourbon or Rum( as desired)
  • Cinnamon (as desired)
  • Brown Sugar (as desired)

Put slices into a gallon sized bag,(add bourbon and some brown sugar) Seal and marinate over night in refrigerator.

Place on baking sheet and sprinkle cinnamon over both sides. Grill them on a hot grill 5-10 minutes on each side.

Favorite Casserole Sides      

 

 Sweet Potato  Casserole  (contributor: Lynn Mathis)

  • Sweet potatoes (8-10)
  • Sugar (1 c), Milk (1 c),Butter (1/2 c)
  • Eggs(3-4), Vanilla (1tsp), salt (1/2 tsp)

Place whole unpeeled sweet potatoes in large pot , cover with water and cook until fork tender.With tongs remove each potato

from the water, slice through the middle and each tip and carefully remove the peel. (This process will make the potatoes less stringy).

Place in mixing bowl and combine with other ingredients. Beat until well incorporated, creamy with no lumps.

Carefully take the bowl out from the mixer blades. Do not scrape the blades (to avoid strings). Pour into buttered 9×13 pan.

Cover with topping and bake 350 until browned about 45 min.

Topping:

  • Butter(1 stick), Brown Sugar(2 c ), Self-Rising Flour(1 c), Pecans (2 c chopped)

Melt butter in microwave safe bowl. Stir in brown sugar. Then add flour and nuts. Mix all ingredients until crumbly and sprinkle on top of potatoes.

 

Grandma’s Squash Supreme Casserole (Contributor: Beth Cooney)

  • Squash (2 c cooked and drained), Sour Cream (1 c)
  • Carrot (1 grated), Onion (1 small chopped), Salt to taste
  • Cream of Chicken Soup (1 can)

Put all in casserole dish, top with bread crumbs and dot with butter. Cook for 30 minutes at 350 degrees.

 

Vicki’s Macaroni and Cheese Casserole (Contributor: Vick Beacham)

  • Elbow Macaroni (1 pkg cooked), Sharp Cheddar Cheese (1 pound grated)
  • Mushroom Stems and Pieces (1 can drained)
  • Cream of Mushroom Soup (1 can, 10 1/2 oz)
  • Pimentos(1 jar, 2 oz), Mayonnaise (1 c)
  • Milk (1/2 c), Butter (1/4c)
  • Cheese Crackers( crushed)

Combine macaroni, cheese, mushrooms, cream of mushroom soup, pimentos, mayonnaise, and milk.

Top with crushed crackers and melted butter. Bake at 350 degrees for approximately 40 minutes.

Favorite Cold Salads

 

Pam’s Broccoli and Cauliflower Salad (Contributor: Pam Kidd)

  • Cauliflower and Broccoli (1 head)
  • Bacon (1 package)
  • Sharp Cheddar Cheese(2 c shredded)
  • Optional raisins or craisins
  • Mayo (1 c), Sugar (1/2 c), Vinegar (2 tbsps) for the dressing

Cut broccoli and cauliflower into small bite size pieces, Cook bacon and crumble. Combine veggies and cheese.

Mix dressing in another bowl then add veggies. Sprinkle bacon on top when ready to serve.

Debbie’s Apple Jello (Contributor: Debbie Burns)

  • Orange Jell-O (1 small box)
  • Granny Smith Apples (2)
  • Miniature Marshmallows (2 c)

Peal and grate apples. Make the orange Jell-O according to the box directions. Put the apples in the Jell-O and top with marshmallows. Chill.

Favorite Chocolatey Goodness

 

Carie’s ‘Buckeyes’ (Contributor: Carie Cato)

  • Peanut Butter (1 c at room temperature)
  • Butter (1/2 c unsalted and softened)
  • Confectioner’s sugar
  • Vanilla Extract (1/2 tsp)
  • Bittersweet Chocolate Chips (4 oz)

In a large bowl, bear peanut butter, softened butter, confectioners’ sugar and vanilla extract until smooth.

Roll into 1-inch balls and place on parchment paper lined baking sheets.  Place in freezer for 30 minutes, until firm.

Melt chocolate chips per package directions, Using a toothpick, dip peanut butter balls halfway into chocolate, allowing excess to drip off.

Return to parchment lined baking sheets, with a moistened finger smooth out the toothpick holes.

Refrigerate to harden chocolate, keep refrigerated until serving.

 

Beth’s Chocolate Sheet Cake (Contributor: Beth Daniels)

  • Sugar(2 c), Flour(2c) Margarine(1 c, 2 sticks)
  • Water (1 c) Cocoa(3 tbsp), Eggs (2), Buttermilk(1/2 c)

Bring to boil: margarine, water, cocoa; add baking soda to milk-then mix all ingredients with flour and sugar, beat well,

pour into greased jelly roll pan.

Bake at 375 degrees for 20-30 mins. Frost while warm.

Frosting

  • Margarine (1/2 c), cocoa (3 tbsp), Milk (5 tbsp)
  • Powdered Sugar(2 c), Vanilla (1tsp)

Favorite Cranberry Sides: To make every Thanksgiving Meal Complete

 

Pam’s Cranberry-Apple Casserole (Contributor: Pam Kidd)

  • Red Apples (3 c peeled and chopped)
  • Cranberries( 2 c fresh, whole cranberries)
  • Sugar (1 1/4), Oats (1 1/2 c reg)
  • Flour (1/3 c), Brown Sugar(1/2 c)
  • Margarine (1/2 c, 1 stick melted)
  • Pecans (1/3 c)

Combine apples, cranberries and sugar. Spoon into greased casserole dish.

Topping: Combine oats, flour, margarine, brown sugar, and pecans. Spoon into casserole dish. Cover and bake at 350 degrees for 1 hr.

 

Mom’s Cranberry Salad (Contributor: Micah Corrigan)

  • Crushed Pineapple (4 oz can)
  • Black Cherry Gelatin (3 oz)
  • Cranberries (6 oz dried)
  • Sugar (1/2 c)
  • Pecans (1 c broken)
  • Sour Cream or Whipped Cream for garnish

Drain pineapple and reserve juice. Add juice to 1/2 cup hot water and heat to boiling. Soften gelatin in 1/4 cup cold water.

Dissolve softened gelatin in hot water-juice mixture. Let cool until it starts to set; don’t let the gelatin harden. Put cranberries through a grinder.

Add ground berries, pineapple, nuts, and sugar to cooled gelatin mixture. Mix well. Pour into a bowl or mold. Refrigerate until completely set.

Place mold in a warm water bath and run a knife around the edges to loosen. Invert onto a serving plate, and a dollop of sour cream or whipped cream.

 ENJOY!!

 

 

 

 

 

 

Safety Tips for Black Friday Shoppers

Black Friday, the biggest shopping day of the year, is all about being smart with your money and getting the best deals. But there is one thing you do not want to overlook: your personal safety.  While Black Friday brings out shoppers by the thousands, it also is the perfect place for thieves and pickpockets to lurk in order to take advantage of unsuspecting shoppers. So while you are making a map of the stores and deals you are going to scout out, make a personal safety plan as well.

To avoid being a victim, here are some ways to shop safe while you shop smart for bargains this Black Friday, November 29. This includes safety both inside the store and outside the store in parking lots.

In Store Safety:

  • Use credit cards to avoid large amounts of cash that are irreplaceable. Only take one credit or debit card with you, in the event that your wallet is stolen,you’ll only need to cancel one card. You may even want to consider onetime or multiuse disposable cards.
  • Keep purses zipped and close to your body and never leave unattended in shopping carts. Men, carry your wallets in front pockets.
  • It may be a good idea to keep a list of account numbers for your credit cards in a safe place at home.
  • To avoid “shoulder surfers”, do not take out your credit or debit cards until directed by the cashier, as credit card information can be gathered by looking over your shoulder while in line at check out.
  • For visibility, make sure you do not overload yourself with more than you can carry. As this is an easy way for your purse to be snatched without your knowledge.
  • If you are shopping with children, plan in the event that you are separated in the store. Have a “designated meeting area” . Point out employees and mall security, in case they get lost. Have them memorize your cell number, home number and address.

Out of the Store Safety: Parking Lots and on the Road

  • Park as close to the store as possible in well-lit areas.
  • Have your keys in your hand when you leave the store, heading to your car.
  • Make a mental note when you go into the store as to where you are parked, in order to head straight to your car with keys in hand when you leave the store.
  • Lock all doors, roll up all windows, even if going into a store for a short time.
  • Keep all packages out of sight, put in trunk or take packages home between stops to avoid having to leave them in your car while shopping.
  • When backing out or your parking spot , be aware of other cars, pedestrians and motorists who speed through the aisles.

In addition to reviewing these safety tips, you should also review your coverages with your insurance agent. Make sure you have the proper coverage if an accident or theft does occur. WTM would be happy to review your coverages with you or answer any questions that you may have regarding this.

Happy Shopping!

Plan Ahead: Prepare your Home or Business from the cold weather and Jack Frost’s Visit this Year

Colder weather is just around the corner. With a cold winter coming up fast, WTM thought they would send along a few tips to prepare for your visit from Jack Frost this year. Protecting your home, business and transportation are important things to consider as they are big causes for insurance claims.

 

 

 

 

frozen-hosebib_0PREPARE YOUR HOME OR BUSINESS

1. Outside Factors:

  • Disconnect and drain all hoses and outside water valves
  • Repair any roof leaks and remove any tree branches that could be weighted down with ice or snow and fall on your house or neighbor’s house
  • Have your chimney cleaned annually if you plan on using your fireplace

2. Inside Factors:

  • Insulate and weatherize doors, windows and attics to prevent drafts, Also to save on utilities
  • If you use your fireplace, keep the flue closed when not in use
  • Check your furnace and heating system, have your furnace inspected every year by a professional prior to the start of the heating season
  • Don’t store newspapers, rags or combustable materials near your furnace, hot water heater or space heater
  • If a space heater is being used, make sure it is not left on when you are not in the room. Make sure it is atleast three feet away from anything that might burn
  • Make sure your furniture is not blocking your home’s heating vents

pressuretemperature_hero_580x330PREPARE YOUR VEHICLE

1. How to Winter-Proof Your Car

  • Check tread and air pressure in your tires
  • Add de-icer fluid solution to your wipers to prevent spray from freezing
  • Check concentration level of anti-freeze in your engine
  • If you live in extreme temeratures keep a winter survival kit in your trunk
  • Program your auto service provider, insurance agent and towing service into your cell phone

 

 

 

 

Oh Deer! Georgia Motorists cautioned, Influx of Deer on Suburban and Urban Roadways

DeerCrossingSignHC0911_L_300_C_YIt’s that time of year, fall, for the deer in your area that means mating season. According to Georgia Wildlife, it is estimated that 50,000 deer-car collisions happen annually in Georgia. Mating season occurs between October and early December.

This impacts Georgia Drivers in several ways.

During mating season males go into a rut actively searching for mates. This contributes to an increased amount of deer coming into roadways.

As “fall back” daylight savings time comes into effect this matches rush hour commuting schedules and peak hours of activity for deer.

While motorists living in rural areas may expect to see deer, Georgia Wildlife cautions that suburban and urban areas are prime spots as well. This is contributed to the fact that increased human population and rural development have caused deer to move into new areas in search of food and water.

According to Georgia’s office of public safety, 300 people were injured in 2011 that were involved in deer collision.

While deer can be beautiful to watch in their natural environments, they present unpredictable and real hazards to Georgia motorists.

WTM insurance would like to share a few tips and things to consider for roadway safety during deer mating season.

Am I covered? As automobile claims from contact with a deer rise dramatically during the fall. WTM encourages all motorists to check their auto policy and with their agent to determine if they have adequate coverage. While the claim results when your auto and the deer “collide”, the needed coverage is most commonly found in comprehensive coverage of an automobile policy. This is an optional coverage.

Don’t Be Fooled: Deer are unpredictable, a deer standing calmly on the side of the road may bolt or cross the road if startled.

Others will follow: When you see one deer that generally means there are more as deer travel in groups. That creates for more unpredictable behaviors in which case slow speeds are strongly advised.

Best Driving Practices: Minimize your damages, if it is too late to avoid a collision, slow down as much as possible before impact. Resist the urge to swerve to avoid the deer as this can cause more damage by sending the vehicle off the road causing it to flip or a collision with another vehicle.