Hickey-Morris Insurance Ribbon Cutting

hickey morris

 

2019 has brought some changes to the Hickey-Morris Insurance agency beginning with the retirement of longtime agents, Dennis Hickey and Dan Morris.  Hickey-Morris Insurance merged in 2016 with Leland Smith Insurance Services to allow for a smooth transition upon Dennis and Dan’s retirement.  The office is currently managed by Kyle Strawn and Brooke Meyer with part-time receptionist, Karen Morris.  With a few updates and slight modifications the office has a whole new look, but same great customer service.

Leland Smith Insurance Services, serving the community for almost 40 years, offers an expansive portfolio of companies to meet every insurance need.  Hickey-Morris Insurance and Leland Smith Insurance Services will continue to offer one on one customer service, commitment to the community and support for our area youth activities- which has been a trademark of our agencies since they were established.

Further information about our agencies and what we offer can be found online at http://www.lelandsmith.com or by calling the Delphos office at 419-692-5876.

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Employee Spotlight – Michael Menzel

EMPLOYEE SPOTLIGHT- MICHAEL MENZEL

Mike has worked in the insurance industry since 1997 and has spent the last 10 years with Shisler Insurance. He specializes in Property & Casualty Insurance and is the Office Manager at the Paulding office.

He was raised in suburban Philadelphia, PA. Mike is a graduate of Kennett High School and attended Penn State University. He became a licensed agent in 2008.

Mike and his wife, Kim, reside in Defiance, OH and have four children, Jacob-21 (University of Cincinnati), Zachary-18 (University of Toledo), Ashley-16 (Defiance High School), and Emma-5 (St. John Lutheran School). They are members of St. John Lutheran Church in Defiance.

Mike’s hobbies include watching all the major Philadelphia sports teams: the Eagles, Flyers, Phillies, and Sixers. He’s also a big fan of Penn State Football and Villanova basketball. On the weekends, Mike can be found buried in a good book, attending Ashley’s volleyball matches, and exploring local breweries for new craft beers.

Mike enjoys assisting his customers with all of their insurance needs and always has felt that customer service is the most important aspect of small business. Mike can be contacted at mmenzel@shislerinsurance.com or at 419-399-5121.

We have an APP for that!

Have you heard about our Leland Smith Insurance app, and are wondering what you can do with it? Well look no further! Our user-friendly app can do multiple things, and we’ve compiled a list right here:

  1. Start a claim either by phone, through a quick online form, or with accident services
  2. Request a quote on commercial, home, auto, life, or health insurance
  3. Make your insurance payment
  4. Securely store your auto ID cards and account information
  5. Dial accident support
  6. Refer a friend
  7. Request policy and certificate information
  8. Get directions to our office
  9. Plug in your favorite repair shop
  10. Add your roadside assistance company
  11. Lookup nearby hotels, gas stations, towing services and taxis
  12. Keep a running inventory of your household items
  13. Add accident history
  14. Hold a contact list of all LSI agents and supporting insurance companies
  15. Direct links to our Facebook, website, and blog
  16. Lookup your medical provider

As you can see, this app is able to be personalized to your unique policies making insurance much more convenient for everyone. So what are you waiting for? Search “Leland Smith Services” in the App store or Google Play and download to your iPhone or Android for FREE. Seriously. It’s free and user-friendly. Give it a try! IMG_1754.PNG

Higher Liability Limits: Why Too Little Liability Coverage is a Big Problem

I’m not a millionaire, therefore there’s no point for me to have an umbrella policy.

It’s against the law to drive without car insurance of some sort, so there can’t be that  many uninsured drivers with a car.  

Why should I have to pay the extra price if I am in fact hit by someone with state minimum/no insurance? It’s not my fault they don’t follow the law.

Sound familiar to you? Perhaps these thoughts have crossed your mind (or are even said!) whenever your insurance agent has suggested higher liability limits, or an umbrella policy be added to your home and auto coverage. Many carry the dangerous mentality of “this won’t happen to me.” The unfortunate truth is catastrophic accidents do happen, whether vehicular or otherwise. Moreover, there is a 1 in 7 chance you can be involved in a car accident with a person who has little to no insurance. Probably a much higher possibility than you thought, right?

Devastatingly, these types of accidents have occurred in our own small community (some of which result in tragic deaths), too often to the point where we thought it was time to explain the benefits of an umbrella policy. So what’s a person to do if you are caught in a run-in with an uninsured/underinsured driver? More importantly, why can having higher liability limits be the element that has your insurance company paying the high costs (instead of your wallet)?

Personal Catastrophe Liability (otherwise known as an Umbrella Policy)

What exactly is an umbrella policy, and how does it come into play if involved in an accident with an uninsured driver? According to Erie insurance blogger Amanda Prischak, “An umbrella policy provides an extra layer of liability protection over and above both your auto and homeowners policies. It covers you if you’re sued because of an accident.” For the purposes of this article, however, it is important to note that an umbrella policy can also provide protection if you are ever hit by an uninsured/underinsured driver. When you have an umbrella policy, you have the ability to add two things: underinsured/uninsured motorist bodily injury protection and property damage protection. According to Erie blogger Abby Badach, underinsured/uninsured motorist bodily injury protection “covers damages that you and the passengers in your vehicle sustain when an uninsured (or a hit-and-run) driver is at fault.” Underinsured/uninsured property damage protection “pays for your vehicle repairs or a replacement car if you’re hit by someone without any or enough insurance coverage.”

Let’s take a look at a hypothetical scenario:

What if you were involved in an accident with someone who only had state minimum or no insurance, and you were left with $18,000 in car damages and $50,000 in medical bills? The underinsured driver at fault certainly would not have enough insurance deductibles to cover you in the event of an accident. Consequently, your regular auto policy deductibles would only be able to pay so much of those expenses before you would be asked to pay the rest of the hefty bills. That’s where your uninsured/underinsured bodily injury protection and property damage protection come into play. With that extra protection, you wouldn’t have to worry about being stuck with a huge stack of bills for an accident that was not your fault to begin with.

Don’t think that this extra protection means the law breaker gets off the hook.

Though your umbrella policy is the one to pay whatever damages remain, these uninsured/underinsured drivers certainly don’t get away with what they’ve done. They can face penalties such as the suspension of their license, points on their license, traffic tickets, and large fines. Trust us; they will feel the backlash from their careless decision of having little to no insurance.

Aren’t sure how much coverage you do need to be properly protected in the event of a terrible event such as this?

Not to worry! Leland Smith insurance agents are happy to take a look at your overall assets and already existing coverage to make sure you get proper protection that is both affordable and crucial if something like this were to ever happen to you. Also, here is a very short video explaining this type of coverage:

 

 

Meet Kyle Strawn: Agent Spotlight

Next up on our agent spotlight is Kyle Strawn, insurance agent in our Delphos branch at Hickey-Morris. We hope you enjoy getting to know him!

Tell us a little about yourself, family and hobbies

KS: I am originally from Van Wert. My parents, myself and two siblings moved to Lima when I was in 7th grade, which then led to me graduating from Shawnee High School. From there, I went onto go to college at Adrian College, where I received my degree in business management and played baseball for four years. In August 2017 I married my now wife, Lindsay Wicker, who is also from Van Wert. We are expecting a little baby girl summer of 2018! Most of my hobbies include involvement in sports. I grew up with sports in my life and I love being around them. Whether it’s coaching youth/high school baseball, or it’s a pick-up basketball game, sports are one of my favorite things to do.  My wife and I are very family oriented. We spend a lot of our free time with our families.

How long have you been in the insurance business?

KS: I have been in the insurance industry for five and a half years. I started right out of college in 2012 with Auto-Owners insurance. I started in commercial lines underwriting and then took a transfer to the home office in Lansing MI, and then took a job as a marketing rep in Toledo. I joined Hickey-Morris Insurance and the Leland Smith group in September of 2016, and have been here ever since.At Hickey Morris Ins. I handle personal lines, commercial lines, life, and flood insurance.

What is the most rewarding aspect of working in this field?

KS: The thing I enjoy the most in this business is helping people become whole again. Insurance is something that everybody pays for, in hopes that we never have to use it. In the event that we do have to use it, I like the fact, that we as agents, with the backing of the companies, are able to put people back together in a time they need it the most. In the time of a loss, agents are the first phone call that is made. Whether it’s an auto accident, house fire, etc., we are going to be the ones to get the call for help. When someone needs us most, we are there to help.

Is there one thing you wish others could understand about insurance?

KS: I wish that people would understand the true value of using an independent agent. In a quickly changing world, there are a lot of avenues to receive your insurance. Many think the best option is to jump online, find the cheapest policy out there, and go with that. The cheapest option is not always the best. As an independent agent, we can offer expertise in the field. We can make sure you have the correct coverage at the right price. In the event of a loss, we are able to understand what should be covered and what shouldn’t, and also intervene when needed. That service is not provided through some of the other sources.

What do you enjoy most about working at LSI?

KS: The thing I like the most about being a part of this agency is the family atmosphere. It’s a small town, family-run agency that treats its employees like family. I love the involvement in the community. It’s great to walk around town and see how much our agency is able to give back.

Thanks for all you do for us at LSI, Kyle. We are so glad to have you on our team!

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