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Battles Insurance Agency Blog

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Happy New Year! As we bring 2019 to a close and look forward to the year to come, we hope you make the choice to celebrate responsibly. Drunk and impaired driving caused 10,511 deaths in 2018 according to the National Highway Traffic Safety Administration website. Check out their site for more information and statistics.


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From the Battles Insurance Family, we wish you a Merry Christmas. May your travels be safe and your celebrations bright and cheery!

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Check out the latest installment of our quarterly newsletter for useful insurance information!

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The most dangerous animal in the U.S. is not the sharp-clawed bear or the sharp-toothed shark. Surprisingly, it may be the kind, furry animal we grew up calling “Bambi.” And the most dangerous time of year is now!

Between October and December, the annual deer breeding season (known as the rut) happens. During this time, deer can be very active and unpredictable, and many find their way on to our roadways. On average, more collisions between vehicles and deer occur in November than in any other month. “Oh deer,” is right!


Although we can’t keep deer off of the roads, here are seven steps we can take to reduce the chance of having an accident if a deer crosses our path while driving.


1.      Wear your seatbelt or motorcycle helmet! The size of an adult male deer can be 200-plus pounds, and a collision with one can pack a powerful punch. Safety belts and motorcycle helmets can help prevent injuries and deaths! 

2.     Be vigilant and alert. Although deer can be found almost anywhere at any time, it is important to be extra cautious when driving through heavily wooded areas at dusk and dawn. Look for the reflection of their eyes in your headlights on the side of the road. 

3.     Use high beams when possible. Using high beams can help better illuminate deer and also make it easier to see the reflection in their eyes. Be cautious with high beams, however. If a deer does cross your path it may freeze in your headlights. Be careful, but turn off the brights quickly and beep your horn to help scare the deer away. 

4.     Watch for deer crossing signs. When you see a deer crossing sign, pay even more attention to your surroundings. These signs are placed at well-known deer crossing paths, so slow down. 

5.     Drive in the center lane when possible. If you are traveling down a multi-lane road, try to stay in the center lane when possible. This will give you just a little more reaction time if a deer does dart onto the road in front of you. Stay as close to the centerline as you can safely when on a one or two-lane road. 

6.     Do not swerve. If a deer does come at you from the side of the road, hit the brakes but avoid swerving. Deer will typically move, so if you swerve, you may put yourself back into the path of the deer. Also, sharp turns can increase the likelihood of losing control of the vehicle and causing an accident with another vehicle, tree, etc. 

7.      Watch for relatives. Deer are herd animals. If you see one, rest assured there are more nearby. If a deer does jump in front of you, be aware of more deer possibly crossing your path. This is another reason swerving is a bad idea. Swerving to avoid one deer may put you in the path of another.

If you do hit a deer:

  • Pullover and call local law enforcement.
  • Ask for medical assistance if you or your passengers are injured.
  • Stay away from the animal! It could still be alive and panic.
  • Take advantage of your roadside assistance program offered by your auto insurance, if available. Check out this video to see how it can help in this type of situation!

Deer are one of the most dangerous animals due to their contributions to auto accidents. Taking simple precautions can be the difference between having an accident with a deer and almost having an accident with a deer. There are products out there, such as deer whistles, which attach to your car and emit a high-pitched whistle that notifies deer of your oncoming vehicle. There are conflicting reports as to their effectiveness, so be sure to take all necessary precautions when driving. 

As always, contact your independent insurance agent to make sure you have adequate coverage on your vehicle should you have a run-in with a deer! 


Copyright © 2019 Central Mutual Insurance Company. All rights reserved.

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2020 Open enrollment starts November 1st and goes through December 15th.

Call Joe Thomas today for an appointment.



Why Should You Use a Local Agent to Navigate


One important piece of information that has not been publicized about is that you can use a local, exchange certified agent to navigate  Why should you use an agent?  There are a number of great reasons.

An Agent like Joe Thomas here at Battles understands the changes in healthcare.  He has been following the changes and deadlines with health reform since it was signed into law in 2010. Do you understand what is and isn’t covered under your health policy? Joe does and he can help you make sense of it all.

He has been on the exchange, helping clients navigate, since the beginning and can help you get online, set up your account and complete your application.  He can do this quickly and with less frustration than you doing it by yourself.

Have a question, billing issue or problem with your policy?  Your local agent can assist you in getting it resolved – eliminating the need to wait in a call cue with a customer service agent that may not be able to address all of your concerns.

Joe is a licensed expert in health insurance.  He had to pass an exam, complete continuing education requirements, and be appointed by the insurance companies we represent.  The Navigators, who can help you complete an application, are not experts in the plan offerings and cannot explain plan benefits to you.  They are not licensed or trained to do so.

It doesn’t cost you anything extra.  You will pay the same premium and get the same subsidy whether you try to do it on your own or enroll in a plan with an exchange certified agent like Joe.

So why not enlist in the expertise of our local agent Joe Thomas at Battles Insurance?  He can assist you in determining the right plan, the right price and provide you with the right local service you deserve!

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