Spencer Insurance Blog

Wow!  Did I hear 47 inches of snow in one week here in Philly?  There are several things you should do to prevent claims on your auto and home insurance. Your auto insurance: Since many back streets are still snow covered and that snow is packed and like ice, you need to allow a lot more time to [...]

In a recent blog I suggested to everyone that you should be outraged at the fact that Pennsylvania does not have stricter teen driver safety laws. Now an organization has been formed to target distracted drivers.   As U.S. Transportation Secretary Ray LaHood states “Every single time you take your eyes off the road or talk on [...]

Tragically car accidents continue to be the primary cause of teenager deaths.  In our area we had three accidents that caused the death of 6 teen drivers in two months.  I have teamed up with  the Society of Family Insurance Specialists (SFIS) in striving to reduce that statistic by  providing parents a free online 16 step ‘Teach [...]

In December there were three fatal accidents in our area taking the lives of six teen passengers.  In 41 states there are Teen Driver Laws that limit the number of passengers that can be in a teen driver’s car.  Sadly, Pennsylvania is one of nine states without a law limiting the number of passengers in a [...]

Don’t Take that chance! Don’t drop your auto insurance on a seasonal vehicle unless you have surrendered your tag to PennDOT and talked to me.  Pennsylvania allows you to drop your auto insurance on a seasonal vehicle as long as it is not registered.   If you do not surrender the tag you could have severe consequences.  [...]

Fall is “Back to School” time.  This means more traffic on the roads especially in the morning as parents take their children to school.  It is also a time when more teen drivers are on the road and we need to be more alert.  This is a great time to remind your teen drivers that driving [...]

September is Life Insurance Awareness Month.  Please take some time and read “Rachel’s Story.”  Rachel was kind enough to share her story with me so I could stress the importance of buying life insurance before it is too late.  Just like many things in life, we do not truly appreciate something until we can’t have it. [...]

During these challenging times, many families are having to make tough choices about how they allocate their money, especially families with teen drivers.  So, if your teen will soon be getting his driver’s license, you may be considering ways to reduce the high cost of insurance.    Sometimes parents with good driving records believe they can save money by buying [...]

Make sure you go over this lesson with your new Teen Driver before he or she drives on their own for the first time. It is best to BE PREPARED as the Boy Scouts say.   For this lesson, simulate that your teen has been involved in an accident.  Walk your teen through the steps they will need to take [...]