2019 October Newsletter


2019 October Newsletter

October 20-26 is National Teen Driver Safety Week!

National Teen Driver Safety Week is dedicated to raising awareness and seeking out solutions to prevent teen injuries and deaths on the road. This has brought together millions of parents, policymakers, law enforcement, schools, and more from across the country to tackle the number one cause of death for teens in the U.S., which is auto accidents.

While the campaign only lasts for a week, reminding teens about safe driving should happen all year round. Whether it be taking an opportunity to set aside time to take your teen on practice driving sessions, talking with them over dinner or breakfast about the importance of being a safe driver, or even leaving them notes to find in their car or by their keys. Not only does this help your teen with improving their driving skills, but it can also be a great way to spend time together! Here’s some topics to bring up when you sit down and discuss safe driving:

⦁ Keeping distractions in the car to a minimum (cell phones, eating/drinking, music, other teen passengers)
⦁ Refusing to get into the car when the driver has been drinking alcohol or under the influence of drugs, whether that driver is your teen or someone else. Encourage them to call an Uber, a taxi, a sober friend, or to call you!
⦁ Follow the posted speed limit – in 2016, 31% of teen drivers that were involved in fatal accidents were speeding at the time of the crash.
⦁ Stress the importance of seatbelts; they save lives!
⦁ Drowsy driving is a dangerous as driving while intoxicated, so discourage them from driving while they’re exhausted.
⦁ Encourage them to constantly be scanning the road ahead of them. Stress the importance of paying close attention to their surroundings so that they develop the habit of looking at the road ahead to detect potential hazards. When they are proactive drivers, they have enough time to react, and have a better chance at avoiding an accident.

Remember, you can explain to your teens how to be a good driver, but the best way to teach them how to be safe on the roads is to lead by example! A recent study conducted by Liberty Mutual found that 37 percent of parents surveyed said that they use apps while driving, compared to 38 percent of teens. About 36 percent of parents justified their behavior by saying that they have more driving experience, but distracted driving is always dangerous! So if you find yourself running red lights, texting while driving, or consistently exceeding the speed limit, maybe this can open a discussion with your teen where you can talk about how you’re going to stop those behaviors, explain the potential risks that come along with those habits, and encourage your teen to join you in becoming a safer driver.

The Importance of Annual Reviews: Why is a Yearly Check-In with Your Insurance Agent Important?


Recent Changes

This is probably the most important reason to review your auto and home policies with your insurance agent, as your policies need to be kept up to date because some factors can play into a series of characteristics that can determine your risk. Have you added a vehicle, or updated your address, or is there a new driver? Forgetting to inform your agent about these changes can be viewed as omitting important insurance related information, and this can result in your policy being non-renewed, or in more extreme cases, having a filed claim be denied. A home renovation or upgrade is another reason you may want an insurance review, as it can assist with ensuring that your home and your belongings are protected, and that your coverages are meeting your current needs.

Qualifying for Discounts

Letting your agent know about recent changes isn’t just for compliance, but to also help discover whether you qualify for additional discounts on your policy. Is your home centrally alarmed? Did your child go off to school without taking a vehicle with them? Did you, or someone on your policy, recently graduate from college? Have you made upgrades to your home? These are just a few examples of discounts that your agent might uncover that you qualify for.

Changing Life Insurance Needs

Just like how changes in our life effects what we need for our auto and home insurance, it can also affect what you need in a life insurance policy. It’s important to review your life insurance needs for big life changes like buying a new home, getting married, or having a child, so if you want to get the best rates, it’s important to review this every year.


Updated Home Inventory

A lot of homeowners underestimate the value of what they own, so an annual review is a great way to approximate value on some of your more prized belongings. Providing us with updates on your inventory (such as jewelry, new golf clubs, a prized mountain bike, etc.) during your annual review can help ensure that you have enough coverage, especially for your higher value items.

3 Ingredient Chocolate Chip Pumpkin Muffins!



1 box spice cake mix
1 (15 ounce) can pumpkin puree
1-2 cups chocolate chips


⦁ Preheat your oven to 350 degrees, and grease a muffin pan or line it with muffin cups.
⦁ In a large bowl, mix together the spice cake mix and pumpkin puree until well blended. The batter will be thick.
⦁ Fold in one (or more!) cups of chocolate chips into the batter.
⦁ 4. Evenly distribute the batter into your muffin pan (each cup should be ¾ full). Add more chocolate chips on top if you’d like.
⦁ Bake for 15-20 minutes or until a toothpick comes out clean. Enjoy!

The Positives of Online Accounts and EFTs


Convenient. You can view your policy, your premium, and your statements at any time. You can also pay your bill and manage your account, like updating your phone and your mailing or email address, on your own schedule.

Never Miss Paying Your Bill. By setting up your policies to EFT, you can rest at ease, knowing that your premiums will be paid automatically or that you’ll receive an email reminder that your statement is ready. You won’t have to worry about your payment arriving late due to post office reductions in service.

Less Information to Track. You’ll no longer have to worry about losing a paper bill or any of your important policy documents, because it will always be available to you on your online account. Also, less paper means less clutter around your home!


Save Money and Resources. Did you know that by switching from direct bill to EFT, your monthly installment fee goes from $5 to $1? That’s a savings of almost $50 per year per policy! You also save on postage costs by not mailing in your payments. And of course, you’re doing a small part in saving trees from being cut down to be used for paper.

Improved Security. Sensitive information can be lifted from a paper bill at many different points during the mailing process. With the latest security measures taken with all our carrier’s online accounts, your information is more secure and safer compared with it coming in through the mail.


Scholarship Opportunity Coming SOON!

All of us at The Crawford Insurance Group are very pleased to announce that we will be offering an exciting scholarship opportunity to high school seniors at select local high schools! To qualify for our scholarship, the applicant must be:

⦁ A high school senior
⦁ A student attending one of the following listed schools:
       ⦁ Lake Orion, Rochester, Rochester Adams, Stoney Creek, Notre Dame, Lutheran North, Utica
⦁ Involved in the community through volunteer, activities, or other means.

We will have the scholarship application available on our website starting on November 1st for interested students to apply and will remain open to applicants until January 31st.

For more information, you can call our main office at 248-402-5005 or just email any questions to angelaciaravino@crawfordinsurancegroup.com

Halloween Safety Tips!


Halloween is just around the corner, and if you have kids who love to dress up in costumes and go door-to-door around your neighborhood to do some trick-or-treating, you probably want to make sure that they’ll be safe! Here are some approved tricks from safekids.org so your kiddos can enjoy their treats!

Walk Safely

Cross the street at corners, using traffic signals and crosswalks. Look left, right, and left again when crossing and keep looking as you cross.
⦁ Put electronic devices down, keep heads up and walk, don’t run, across the street.
⦁ Always walk on sidewalks or paths.
⦁ Watch for cars that are turning or backing up. Teach children to never dart out into the street or cross between parked cars.
⦁ Join kids under age 12 for trick-or-treating. If kids are mature enough to be out without supervision, tell them to stick to familiar areas that are well lit and trick-or-treat in groups.

Costumes for a Safe Halloween

Decorate costumes and bags with reflective tape or stickers.
⦁ Choose face paint and makeup whenever possible instead of masks, which can obstruct your child’s vision.
⦁ Have kids carry glow sticks or flashlights to help them see and be seen by drivers.
⦁ When selecting a costume, make sure it is the right size to prevent trips and falls.

Drive Extra Safely on Halloween

Slow down and be especially alert in residential neighborhoods. Children are excited on Halloween and may move in unpredictable ways.
⦁ Take extra time to look for kids at intersections, on medians and on curbs.
⦁ Enter and exit driveways and alleys slowly and carefully.
⦁ Get rid of any distractions – like your phone – in your car so you can concentrate on the road and your surroundings.
⦁ Turn your headlights on earlier in the day to spot children from greater distances.
⦁ Popular trick-or-treating hours are 5:30 pm to 9:30 pm. Be especially alert for kids during those hours.

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