| DID YOU KNOW |  |
| Did you know that foggy conditions call for low beams? | |
| Fog is made of water droplets that reflect light, so putting your headlights on high-beam actually makes it harder to see while driving. Next time you’re behind the wheel in foggy conditions, keep your lights dim–and your speed low. | |
Your liability for damages that occur when a tree on your property falls on your neighbor’s property is not clear cut.
Estate conservation is too important to put off. Do you have a smart exit strategy?
Creating an inventory of your possessions can save you time, money and aggravation in the event you someday suffer losses.