Auto Insurance Terms to Know (Part 1)

Are you confused when talking with your insurance agent? Do you wonder what your declarations page is telling you about the coverage you are paying for? Here are some basic terms you should know:

Bodily Injury Liability Protection: Typically provides coverage if you are legally liable for damages resulting from a covered auto accident where others are injured or dead. The Michigan State Minimum is $20,000/$40,000.

Collision Coverage: Helps pay for damage to your insured vehicle caused by a covered accident with another vehicle, a rollover, or a collision with almost anything else, such as a tree. The Deductible is your responsibility to pay before insurance company coverage kicks in.

Comprehensive Coverage: Helps pay for damage to your insured vehicle caused by falling objects, fire, theft, vandalism, hitting a deer and certain other non collision losses. This deductible is also your responsibility to pay before insurance company coverage kicks in.

Property Damage Liability Protection: Typically provides damage coverage if you are legally liable for damages to an other's property resulting from a covered auto accident.

For more insurance terms see our post at Auto Insurance Terms to Know (Part 2)

Crashes are the leading cause of death among American teens

THE EPIDEMIC (excerpted from Allstate Website)

No other kind of hazard comes close to claiming as many teenage lives, including teenage homicides (13%) and suicides(11%). (2002 figures). Motor vehicle crashes are the leading cause of death among American teenagers, killing between
5,000 and 6,000 teenagers every year.

A TEENAGER’S ODDS
Teenage drivers account for 12.6% of all drivers involved in fatal crashes. The fatal crash rates among 16 to 19-year-olds is four times that of older drivers. Risk is the highest at age 16, when the fatal crash rate is 40% higher than for 18 year olds and 30% higher than for 19 year-olds.

THE ENEMIES: CELL PHONES
• 56% of teens said they make and answer phone calls while driving. Talking on a cell phone can double the likelihood
of an accident and can slow a young driver’s reaction time to that of a 70-year-old.
• 13% of teens said they send and respond to text messages while driving.

for additional info: http://www.allstate.com/content/refresh-attachments/TeenDriving_facts.pdf

TEEN DRIVERS

Do you have a new teen driver? Are you looking for ways to reduce your insurance costs?? I'd like to make a suggestion, talk with your agent! Be sure you are getting all the discounts your teen is entitled to from your insurance company. For example, Allstate offers a good student discount of 10% (B average proven with report card or ACT test scores). You should also enroll your child in the Adept Driving School Teen Smart video/computer based training program and receive an additional 15% off for a total of 25% discount off their rates when they complete the program and receive their certificate which continues until they are 21. (Note: if we are your agent we can provide a code for $30 off the course)

This interactive parent/child course gives parents the opportunity to dialogue with their child about driving. It also guides the conversation and give discussion points and suggestions. Additionally, it provides the opportunity for the parent to critique the child's driving in specific situations(beware it also allows the child to do the same) Several parents of our teen drivers have already taken advantage of this offer. Contact us if you want more info.

Troy Times Article Published Today

Look for the story of our agency along with the Allstate Ad published on page 22A of today's(Sept. 4, 2008) Troy Times. It tells the story of our ownership of Leo's Melon Patch, a fruit market and deli, for many years before being replaced 10 years ago by the current Walgreen's . We hope you will take us up on the offfer to call or stop by and review your current coverage. Remember that drivers who switched to Allstate saved an average of $353 a year! Call us today to see if we can save you money!!

Contact Me, Your Michigan Allstate Insurance Agent

There are many ways to talk to me. The one I recommend is to stop by my Allstate insurance agency. If you look at the pictures of the insurance office it is new, fresh and welcoming. When you stop by I can service your insurance needs more efficiently and we will have a chance to meet face to face.

The Borowsky Allstate Insurance Agency is located in Sterling Heights at the North East corner of Long Lake (18 Mile) and Dequindre across from the new Taco Bell behind Kmart in the Ambercrest Professional Buildings.


If you prefer to stay at home you have three options. You can call in, fax, or e-mail. We also have a toll free number for our customers in other parts of the state.

Toll Free 888-991-2557
Main line 586-991-0800
Fax 586- 991-0764

Email cborowsky@allstate.com

Grand Opening

We had our Grand Opening today. We invited all the employes in our office building to say hi and grab some Cold Stone. There was a drawing to win some great great Allstate prizes.

Office is Open

Finally! the day we have all been waiting for, the opeining day, June 1st. Everything came together just as planed. The construction, paint and furniture is all amazing.


Here are some pictures of Craig and Cindy Borowsky in their Allstate agency.