community


By Veronica Murff and Bev- erly Lochard 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 prima-


ry insurance policies, such as auto, home owners, boat owners, etc., may provide substantial liability insur- ance coverage, it may not be enough. A Personal Liability Umbrella Policy provides addi- tional amounts of liability cov- erage at an affordable price.


What is an umbrella


policy? A Personal Liability Um-


brella Policy provides addi- tional layers of liability cover- age over the liability coverage of your underlying policies. Personal umbrella coverage amounts typically begin at one


Veronica Murff


million dollars and can be in- creased in increments of one million dollars.


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


Beverly Lochard


is no coverage in the underly- ing policy. Examples of such 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.


MGM Grand Detroit remembers Ali Woodson, pledges support to


National Leukemia Cancer Foundation The late, legendary Tempta-


tions vocalist Ali “Ollie” Wood- son lent his soulful, powerful vocals to the “Touch the Lion” theme song for MGM Grand Detroit. In his memory, MGM Grand Detroit has offered the complete theme song and ring- tone for download. Proceeds collected will be split equally between the Woodson family and the National Leukemia Cancer Foundation.


Woodson, Detroit native


and lead singer for the Temp- tations (after Dennis Edward) passed May 30, 2010, after a battle with cancer. He was known for his charismatic savior-faire, musical prowess and positive attitude — profes- sionally and personally.


“We are grateful and privi-


leged to have had the opportu- nity to work with Ollie,” said Matthew Buckley, vice presi- dent of Marketing, Player De- velopment, and Hotel Opera- tions at MGM Grand Detroit. “We would be remiss if we didn’t take this opportunity to honor a legend and member of the MGM Grand Detroit family. The song is a fond memory and key reminder that music touches lives.”


Awarded the 2010 Forbes


Four-Star Award and AAA’s prestigious Four-Diamond rating, MGM Grand Detroit is the city’s first and only


Save an average of $696*


Let us show you how fast your savings could go from zero to $696 when you combine home and auto policies with State Farm.®


Like a good neighbor, State Farm is there.® CALL AN AGENT FOR A QUOTE.


Come in for a test save.


THE MICHIGAN CHRONICLE


A ‘Personal Umbrella’ for a rainy day


October 13-19, 2010


Page B-3


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


Ali Woodson


downtown hotel, gaming, and entertainment destination built from the ground up. The hotel features 400 chic and stylish guest rooms, includ- ing nine rooftop VIP suites and 56 opulent corner suites. Guests can enjoy three signa- ture restaurants by two of the world’s preeminent celebrity chefs: Wolfgang Puck and Mi- chael Mina; in-room dining by Puck in addition to casual restaurants; lounges, includ-


ing a relaxed piano-style bar; high-energy nightlife; the only resort-style spa in Southeast Michigan; and 30,000 square feet of meeting space capable of hosting everything from large corporate events to inti- mate black-tie engagements.


To download the “Touch


the Lion” theme song or ring- tone, please visit www.mgm- granddetroit.com/woodson.


Repair oil spill damage


By Judge Greg Mathis Although British Petroleum


(BP) has pledged as much as $20 billion to pay those who lost loved ones, property or their jobs as a result of the April 20 Gulf oil spill, it has yet to commit to restoring the damage done to the region’s ecosystem and marine life.


Environmental experts


disagree on just how much damage the oil spill caused. Federal scientists estimate that up to 75 percent of the oil that leaked into the Gulf either evaporated or collected at the surface. However, data released by Florida State Uni- versity suggests that more than 50 percent of the oil that spilled is actually still in the Gulf. Though scientists are having trouble agreeing on the amount of oil that remains, all say the spill will have negative long-term effects on plant and animal life.


In addition to the contin-


ued clean up and restoration of the Gulf, it’s those future


What will the restoration


entail? Many things, includ- ing building up marshlands and repopulating wild life. In addition, the project should conduct ongoing environment testing to assess whether or not future generations of plant and animal life are impacted by the spill. And, yes…BP should pay for that as well.


Shockingly, BP execs have Judge Greg Mathis


effects, difficult for any expert to predict, that BP should be responsible for. Congress has been urged to create a Gulf Coast Recovery Fund to over- see restoration efforts. The fund would represent federal, state and local interests and create a steady flow of money to focus on restoring the Gulf, a project that will take years.


said that their willingness to contribute to the restoration depends on the company’s continued access to oil and gas supplies in Gulf waters. It is outrageous to think that a company responsible for one of the worst environmental disasters in American his- tory, which pumped over 170 million gallons of oil into Gulf waters, would even attempt to “negotiate” the role they should play in repairing the damage done.


BP should be forced — not


asked — to fund the majority, if not all, of the needed Gulf restoration projects.


New Birth Rescue Missionary Baptist Church celebrates 11 years of pastoral services


During the month of Oc-


tober, New Birth Rescue Mis- sionary Baptist Church, 10140 Schoolcraft, is celebrating and appreciating 11 years of pasto- ral services.


These celebrations honor


Rev. Dr. John White, Jr. and Mrs. Janet White.


All services start promptly


at 3:30 p.m. On Sunday, Oct. 3, the


guests were Pastor George Easter and the Pendora Church family.


On Sunday, Oct. 10, the


guests were Pastor Eddie Brown and the Christ Reform II Church family.


On Sunday, Oct. 17, the


guests will be Pastor Richard White, Jr. and the Midway Church family


On Saturday, Oct. 30, there


will be a pastoral luncheon at Karas House, 23632 Plymouth Road, noon to 3 p.m.


Additionally, on Sunday,


Oct. 24, Pastor John White, Jr. and the New Birth Rescue Church family will be the guests of Rev. Wendell Spen- cer and Mrs. Deborah Spencer in his 16th Pastor Anniversary at Mt. Charity Baptist Church, 3232 Joy Road.


statefarm.com®


*Average annual household savings based on national 2009 survey of new policyholders who reported savings by switching to State Farm. State Farm Mutual Automobile Insurance Company, State Farm Indemnity Company


P097198 04/09 State Farm Fire and Casualty Company, State Farm General Insurance Company, Bloomington, IL


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


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


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


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


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