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IPS / Lighthouse Insurance Group Blog: loss prevention

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Deer CrossingDid you know?
  • Car-deer crashes are a year-round problem in Michigan.  During 2012, there were 48,918 reported car-deer crashes.
  • A car-deer crash occurs every nine minutes.
  • The average car-deer crash causes $2,100 in damage, usually to the front end, and often leaves the vehicle un-drivable
Tips to avoid a car-deer crash:
  • Stay aware, awake and sober.
  • Drive at a safe speed.
  • Observe your surroundings.
  • Pay attention to deer crossing signs.  They are placed at known deer crossing areas.
  • Deer are herd animals and frequently travel in single file.  If you see one cross the road, chances there will be more following.
  • Always wear your safety belt.
If a crash is unavoidable:
  • DON'T SWERVE.  Brake firmly, stay in your lane, hold onto the steering wheel and bring your vehicle to a controlled stop.
  • PULL OFF THE ROAD.  Turn on your emergency flashers and be cautious of other traffic if you leave your vehicle.
  • DON'T ATTEMPT TO REMOVE A DEER from the roadway unless you are convinced it is dead.  An injured deer's sharp hooves can easily hurt you.
  • REPORT A CRASH to the nearest police agency and your insurance agent.
Article Source: Michigan Millers Mutual Insurance Company

Electrical Panel
Did you know?

  • An estimated 53,000 electrical fires occur in U.S. homes each year.  These fires cause more than 500 deaths, 1,400 injuries, and $1.4 billion in property damage
  • The leading causes of building fires is poor maintenance of the electrical system
  • Most electrical fires and injuries could be prevented if homeowners would take the time to have their electrical systems inspected

Health home tips on electrical safety

  • Have the wiring in your home inspected.  Owners of homes more than 10 years old should be considered for inspection.  If your home is over 40 years old, an inspection is overdue.
  • Install ground fault circuit interrupter (GFCI) outlets in the kitchen, bathroom, and laundry area of your home
  • Never place electrical cords under rugs or bedding.  Heat or sparks from these cords could cause a fire.
  • Frequently tripped circuit breakers, shocks and hot electrical switches are warnings that something is wrong with your electrical system or with an appliance in your home.
  • Hire a licensed professional to make repairs or modifications to your home's electrical system.
  • Install cover plates on all electrical outlets and switches.
  • Use 3-pronged plugs properly.  The third prong is there because the appliance must be grounded to prevent electrical shocks.
  • Be aware not to overload outlets.  Extension cords shouldn't be used as permanent fixtures in home rebuilding.
  • Once a building reaches 30 years, the wiring needs to be upgraded, updated or replaced to meet current code.

Article source: Michigan Millers Insurance Company

Did you know?

  • The leading cause of fires in the kitchen is unattended cooking.
  • Most cooking fires in the home involve the stove top.
  • Frying poses the greatest risk of fire.
  • By following a few safety tips you can prevent these fires.

Take these steps to keep your family safe.

  • Stand by your pan: If you leave the kitchen, turn the burner off
  • Keep anything that can catch on fire away from the stove top.  Oven mitts, wooden utensils, food packaging, towels, and curtains should be kept clear from the stove.
  • Watch what you are cooking: Fires start when the heat is too high.  If you see smoke or the grease starts to boil, turn the burner off.
  • Turn pot handles toward the back of the stove: Then no one can bump them or pull them over.
  • Keep a pan lid or baking sheet nearby: Turn off the heat and use a pan lid or baking sheet to cover the pan if it catches on fire.
  • Baking soda: Baking soda will put out a small grease fire.  DO NOT USE WATER on a grease fire.
  • Cooking and Kids: Have a "Kid-free" zone.  You should have at least 3 feet around the stove and areas where hot food is prepared and carried.
Article courtesy: Michigan Millers Mutual Insurance Company
Image courtesy: stockimages /

    Car AccidentDid you know that there are steps you can take to avoid a car accident?
    1. Before you start the engine, make sure the warning lights are off, such as the gas line, engine coolant, and engine light.
    2. Keep a watchful eye.  Keep looking around you on both sides of the road.  Constantly check your rear-view mirror.
    3. Check blind spots before you change lanes.  Checking your blind spots before you move in the next land helps avoid side-swiping accidents.
    4. Be careful when you are driving side-by-side with another car for a few minutes.  Pull ahead or behind to get out of the other driver's blind spot.
    5. Look both ways before you enter an intersection, even if you have a green light
    6. Watch for emergency vehicles and give the right-of-way.  Sometimes emergency vehicles drive through red lights or against traffic.
    7. Use signal lights.  When you use the signal light, you are warning others that you want to change lanes.
    8. Follow the laws.  Most people have accidents because they didn't follow the laws.  Speeding and drunk driving are the top two.
    9. Keep a safe distance.  The safe distance depends on the speed.
    10. Plan your driving.  You may want to chose a longer route, or one with less traffic, or is easier to drive.
    11. Keep your vehicle slower than the speed limits at turns or steep roads.  You never know what is going to come from the other side.
    12. Don't let driving distractions make you a statistic.  
    • Cell phone use, texting
    • Reaching for objects in the car
    • Reading
    • Applying makeup
    • Eating while driving
    • Other passengers or pets in the vehicle
    • Turning dials or entries on in-vehicle navigation systems
    • "Sight seeing" out the window
    Article source: Michigan Millers Mutual Insurance Company
    Image courtesy of Naypong /

    Clothes DryerDid you know?
    • According to the NFPA, there is an annual average (2006-2010) of 15,520 home fires, 29 deaths, 402 injuries and $192 million in property damage attributed to dryer fires.
    • The leading cause of home clothes dryer fires is failure to clean them.

    To help prevent fires:

    • Clean the lint filter in your clothes dryer after every use.
    • Clean the dryer vent and exhaust duct periodically.
    • Clean behind the dryer where lint can build up.
    • Replace the plastic or foil, accordion-type ducting material with rigid or corrugate semi-rigid metal duct.
    • Take special care when drying clothes that have been soiled with volatile chemicals such as gasoline, cooking oils, cleaning agents, or finishing oils and stains.
    • Make sure that your clothes dryer is located in an area that has proper ventilation, airflow and enough airspace.
    • You should always turn off your dryer before you leave the house or when you go to bed.

    Source courtesy: Michigan Millers Mutual Insurance Company

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    Lighthouse Group Main Office in Grand Rapids, MI
    Mailing Address | P.O. Box 530009, Livonia, MI 48153

    Phone: 734.421.9900 | Toll Free: 800.220.5582 | Fax: 734.421.9911

    Also serving these Detroit area communities in Michigan: Livonia, Farmington Hills, Ann Arbor, Southfield, Plymouth, Canton, Westland, Northville, Novi, Dearborn, South Lyon & Walled Lake