I sat in the driver's seat, my wife beside me, singing her heart out to whatever was playing on the radio. It was cold, but the sun was peaking through the clouds so it flickered into the car. We were on our way home  heading northbound on Route 28, when all of a sudden a stone came hurtling from the road and...smack...piercing our ears like the sound of a gunshot. I quickly scanned the windshield to see if I could tell where the rogue rock struck, and sure enough, right above my inspection stickers, there it was staring me in the eye.

Even those of us who work in the insurance industry have these unpredictable incidents to face from time to time. We do, however, typically have the knowledge to rectify the situation quickly and easily. That is one of the benefits to having a local insurance agent working with you, we help advise our customers through their unique situations, striving to do what is best for our customers. If you don't have a local agent on your side, get in touch with us to see what Baker Insurance Inc. can do for you. 

Get the shovels out of storage and snow blowers fueled up and ready! Hot chocolate is on the menu, and snow is BACK IN THE FORECAST! You've probably had the experience of being buzzed by the overconfident driver on snow covered roads. Maybe, if you're being honest, you've secretly wished to see them in a ditch around the next bend of the road.

No judgement here, but we are in the business of keeping people out of the ditch, so keep reading for some tips to handle your vehicle in the snow. 

The holiday season is where there is "Peace on Earth", and "Joy to the World"...right? Not so much in parking lots. The local  malls and shopping plazas will soon be overrun with shoppers looking for the perfect gift. Which means more parking lot accidents. So with Santa watching, we "Better Not Pout" as we "Jingle All the Way" to file a claim.  

But does it have to be that way? With a few precautions you can save yourself frustration and heartache and keep the holiday season "Merry and Bright."

It's that time of year again, Bambi is on the move and western PA drivers need to exercise extra caution while on the roadways. The peak times for deer related accidents begin in October and continue through December. Real injury and even death can result in these sort of incidents, and anyone who's hit a deer (or worse, an elk or moose) knows the expensive damage that can be done.

According to the Insurance Information Institute, 1.6 million deer-vehicle collisions occur each year, resulting in 200 fatalities, tens of thousands of injuries and over $3.6 billion in vehicle damage. Where do these accidents usually happen? Is there any way to avoid them, or at least mitigate their damage? ​Being prepared can help prevent you from adding to these statistics.