Teaching Your Teenager Safe Driving Habits

While driving home one evening last week, I found myself stopped in traffic behind a van with two hand-written signs taped to the back: “STUDENT DRIVER BEHIND THE WHEEL” and “THANK YOU FOR YOUR PATIENCE AND SYMPATHY.” I chuckled as I remembered learning to drive many years ago, and wondered...

Underinsured Motorists: What you need to know

Nationally, 1 out of 7 drivers is underinsured. As averages go, some geographical areas are better, while others (usually metropolitan areas) are worse. Do not be lulled into thinking that the state laws have corrected the underinsurance problem. No, when we face difficult economies like we do today, auto insurance is one of the first areas to suffer. In an effort to save money, many people are simply giving up auto insurance all together. If cost is a concern, we can often balance your policy’s coverages differently so

When Rising Water Is Called a Flood

There are floods in the news again… seems incessant. Hurricane Sandy just devastated the New York metropolitan area. Duluth is still working to recover from recent flood damage of trout streams and hiking trails. Though we’ll likely have a reprieve for a few months, flood season will come roaring back shortly after we’re lulled to sleep. Most everyone experiences a surprise “flood” in one situation or another, whether a formally declared flood such as caused by hurricane Sandy, or a swamped basement because a sump pump couldn’t keep up following a spring thunderstorm. There are multiple definitions of what constitutes a “flood.” Some floods are addressed easily by insurance, some are clearly excluded.

Avoiding 5 Common Injuries

It is difficult to eliminate the possibility of all accidents, but a few moments of awareness education, along with diligent planning and follow-through will certainly reduce their likelihood. 1. Wet Floors. Whether from melting snow or ice, rain, or everyday spills, wet floors always pose a hazard. If you operate a...

Teen Parties: What Every Parent Needs to Know

Parties can be a significant part of every teenager’s development. However, an enjoyable evening with friends and family doesn’t need to involve alcohol or drugs. Merriam Insurance hopes that these party guidelines will assist parents and teens in the planning of a drug-free, sober, and safe party. Guidelines for Parents...

Protecting Your Pastors

Unexpected incidents happen every day. What if your pastor is injured falling down stairs or lifting a box? What if he gets into a car accident while driving to visit a sick church member? What happens when your children’s pastor becomes seriously ill and cannot organize Sunday School or youth...