MS&H Blog


Cranford, NJ, USA April 15 The suburban town of Cranford, New Jersey in inundated with severe flooding following heavy rains

Flood Safety Tips

Each year, more deaths occur because of flooding than any other hazard related to thunderstorms. The most common flood deaths occur when a vehicle is …

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What Is Uninsured and Underinsured Motorists Coverage?

Uninsured motorists (UM) coverage reimburses victims for certain damages resulting from a car accident caused by an uninsured driver. An uninsured driver can fit one …

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5 things drivers need to know before working for a ridesharing service

You have a nice car and could use extra cash. You sign up to be a driver, install the app and soon you are driving people around and making money. Is it too good to be true?

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Is Your Vehicle Prepared For Extreme Weather Conditions?

Here are a few winterization tips to help keep your automobiles performing well this winter…

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Parents focused on drugs, bullying overlook risk of car crashes

“The biggest threat to teens’ safety is sitting in the driveway,” Deborah A.P. Hersman, president and chief executive officer of the NSC, said in a statement. “The statistics have shown this for years, yet too many parents still do not appreciate that the first year of driving is a particularly deadly time in a teen’s life.”

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How will you cover your Share of Liability above your Coverage Limits?

One myth about an umbrella policy is that it’s only needed by the wealthy.  These days the cumulative value of homes, vacation homes, rental property, cars, boats, savings, investments, and so on, owned by many people who don’t consider themselves wealthy, make them vulnerable to liability beyond their auto or homeowner’s insurance limits.  A good question to ask yourself is whether you have assets that you don’t want to put at risk in the event of a catastrophic liability.

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Driving Distractions Are Everywhere …

Anything that diverts your attention away from the task of driving is a distraction. According to, 3,328 people were killed and an estimated 421,000 people were injured in crashes involving a distracted driver in 2012.

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Car Recalls: What You Should Know

Is your vehicle on the millions affected? An alarming statistic is making news: There have been nearly 100 million vehicle recalls in the United States since the beginning of 2014 – a quarter of that number happened in the first half of 2015.

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4 Things Insurance Experts Wish You Knew

Between obtaining coverage for your home, your car and your family’s health, taking care of your insurance needs can be exhausting. If you’re like most people, you don’t take the time (or have the desire) to consider the ins and outs of all of your policies.

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Wake up! 1 in 5 fatal car crashes involve drowsy drivers

According to AAA, most drivers drift out of their lanes or off the road, and drivers themselves are often crash victims who die in single-car crashes.

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