community

By Dwight Jones and Eric Huffman State Farm® Agents

There are so many “rainy

days” that people can experi- ence — a sick child, a broken- down car, a late mortgage pay- ment.

But what about a lawsuit? These days lawsuits are

being filed not just against big corporations, but also against people like you and me. In the blink of an eye, you could be involved in a car or boat- ing accident, or have some- one become injured on your property that could result in litigation against you seeking thousands or even millions of dollars.

Even though your primary

insurance policies, such as auto, homeowners, boatown- ers, etc., may provide substan- tial liability insurance cover- age, it may not be enough. A Personal Liability Umbrella Policy provides additional amounts of liability coverage at an affordable price.

A Personal Liability Umbrel-

la Policy provides additional layers of liability coverage over the liability coverage of your underlying policies. Personal umbrella coverage amounts typically begin at $1 million and can be increased in incre-

Dwight Jones

ments of one million. Here’s an example of how an

umbrella policy could work: Let’s say your car is in-

sured for liability with limits of $250,000 per person. You pull into an intersection, strike another vehicle and severely injure the other driver. This in- sured person sues you and the judgment against you totals $800,000. Your auto policy will pay the first $250,000, but an umbrella policy would re- spond for the next $550,000.

Also, an umbrella policy

often insures against some types of losses for which there is no coverage in the underly- ing policy. Examples of such

Eric Huffman

loss include libel, slander and defamation of character.

Why have an umbrella

policy? The value of a personal li-

ability umbrella policy is to provide higher amounts of li- ability coverage for an afford- able premium. It can help protect the financial assets of your household when you need it most and can bring confidence knowing that you have the coverage needed to help protect your family.

To see if this is a policy that

can benefit you, talk to your insurance agent.

Volunteers needed for stewardship workdays in Southeast Michigan

The Department of Natu-

ral Resources and Environ- ment recently announced the schedule of volunteer steward- ship workdays to be held this month at various southeast Michigan state parks and rec- reation areas.

Volunteers are needed to

help hand-pull garlic mustard, an invasive non-native plant, at several parks. This activity will help protect and restore the unique natural areas in these parks.

Volunteering for these

workdays is a great way to “GO-Get Outdoors” and enjoy the wonderful, warm spring air.

Dates, times and locations

of the workdays are as fol- lows:

• Saturday, April 17, Brighton Recreation Area (Living ston County), 10 a.m. to 1 p.m.

• Saturday, April 17, Sterling State Park (Monroe County), 10 a.m. to 1 p.m.

• Sunday, April 18, Pinckney Recreation Area (Washtenaw County), 10 a.m. to 1 p.m.

• Saturday, April 24, Waterloo Recreation Area (Washtenaw County), 10 a.m. to 1 p.m.

• Sunday, April 25, Highland Recreation Area (Oakland County), 1 to 4 p.m.

Volunteers should bring ap-

propriate clothing for outdoor work, including long pants,

boots, gloves, eye protection and drinking water.

For information about the

specific tasks at each location and to obtain directions, visit the DNRE website at www. michigan.gov/dnrvolunteers, and link to the “Calendar of Volunteer Stewardship Work- days.”

All volunteers are asked to

register using the form avail- able on the website.

Any questions should be

malvitzl@michigan.gov.

Alisa O Green Ins Agcy Inc

Alisa O Green, Agent 29610 Southfield Road Southfield, MI 48076 Bus: 248-559-0000

John Cash, Agent

19203 Grand River Avenue Detroit, MI 48223 Bus: 313-537-1200

Veronica R Murff, Agent

24360 Novi Road Novi, MI 48375

Bus: 248-380-6446

Vev Tripp Ins and Fin Svcs Inc

Vev Tripp, Agent

24530 Gratiot Avenue Eastpointe, MI 48021 Bus: 586-772-7474

MAJOR

LEAGUE

SERVICE.

From backyards to big leagues, count on us to be there. We can help you get the coverage you need and the discounts you deserve.

Charlotte Knight, Agent

7100 W Seven Mile Rd Detroit, MI 48221 Bus: 313-340-9000

T Kenneth Walton Ins Agcy Inc

Ken Walton, Agent 26117 Grand River Redford, MI 48240 Bus: 313-534-4300

James H Martin Ins Agcy Inc

Jim Martin, Agent 13650 W. 8 Mile Road Oak Park, MI 48237 Bus: 248-399-6260

Eric D Huffman Ins Agcy Inc

Eric D Huffman, Agent

3031 W. Grand Blvd., Suite 568 Detroit, MI 48202 Bus: 313-875-3172

THE MICHIGAN CHRONICLE

A personal umbrella for a rainy day

April 14-20, 2010

Page C-7

Dwight E V Jones, Agent

29706 Grand River Ave Farmington Hills, MI 48336 Bus: 248-476-0030

Dolapo T Shodipo, Agent

9005 Joseph Campau Street Hamtramck, MI 48212 Bus: 313-875-1955

Teleese O Nobles, Agent

145 Haggerty Canton, MI 48187 Bus: 734-981-2050

Anthony D Massey, Agent

15 E Kirby Street, Suite 112 Detroit, MI 48202 Bus: 313-873-3334

Kenya Wells, Agent

13318 E Jefferson Detroit, MI 48215 Bus: 313-822-KW4U

Michelle Sims Ins Agcy Inc

Michelle Sims, Agent 2785 South Fort Detroit, MI 48217 Bus: 313-928-1348

Beverly Lochard, Agent

16704 15 Mile Road Fraser, MI 48026 Bus: 586-296-1616

Glenda McGuire Ins Agcy Inc

Glenda McGuire, Agent 26600 Gratiot Ave. Roseville, MI 48066 Bus: 586-771-4050

Jennie C Flowers Ins Agcy Inc

Jennie Flowers, Agent 8322 Cooley Lake Road

Commerce Township, MI 48382 Bus: 248-363-4747

PD Dandnaik, Agent

24300 Joy Road Redford, MI 48239 Bus: 313-817-1000

Ivy Fields-Releford, Agent

2925 Walton Blvd

Rochester Hills, MI 48309 Bus: 248-375-0510

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