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    Personal Insurance Blog

    Avoiding Collisions with Deer

    Posted by Gordon Atlantic Insurance

    Wed, Feb 15, 2017 @ 11:53 AM

    Avoid automobile accidents with deer and other animals with this auto information from Gordon InsuranceOne of the more unpredictable and dangerous things drivers tend to forget about is the possibility of hitting a deer.  If you live and drive in a city one hundred percent of the time, stop reading this post or come back to it in 20 years when deer are forced into cities, too. 

    If you live outside the 128 belt however, deer are everywhere and particularly active in the fall.

    Perhaps you still think that a collision with a deer is unlikely; according to the National Safety Council there are roughly 530,000 animal-related accidents per year.   Accidents with deer are 

    Rut is on

    disproportionately high in October, November and December, both because colder weather

     changes feeding patterns, and the rut in late fall, when deer mate and hormones are surging in males and females alike

    Also, depending on what type of car you drive, you could be looking at serious damage or bodily injury from a collision with a deer.  Our children's drivers’ ed instructor, a former state trooper, warns fledgling drivers about how he and his partner hit a large buck and totaled their police car.

    The I.I.I. lists several steps you can take to avoid unnecessary collisions with deer:

    1. Have you ever heard the expression ‘lone wolf’? Yeah, that doesn’t apply to deer. It is very rare for deer to travel alone; if you see one by the side of the road, slow down and keep your eyes peeled. Others are most likely nearby.
    2. Pay attention to deer crossing zones; as obvious as this may sound, drivers typically notice road signs like speed limits and tend to ignore deer crossing signs. If a municipality is willing to fork over the money to erect a sign for deer, there must be a significant deer presence. Proceed with caution.
    3. Drive carefully at dawn and dusk. These are active times for deer, and statistically the most likely time for you to hit one.
    4. When driving at night, use high-beams when there is no on-coming traffic. Deer on the side of the road will be much easier to see, and their eyes reflect the light brightly, even at a distance.
    5. If you encounter a deer, blow your horn with one sustained blast to scare them away. Be aware that they might run into the street though, so brake when you do so.
    6. If there is a deer in your path, brake firmly but DO NOT SWERVE. Minor crashes become serious crashes when drivers swerve into oncoming traffic or off the road.
    7. Do not rely on "deer whistles" or "deer reflectors." There is no evidence to suggest that these devices are even marginally effective.

    Call us or your existing insurance agent if you do hit a deer and report any damage to your car. Animal collisions are included under "comprehensive" coverage (not collision - go figure) with your auto policy.

    Learn more about other auto insurance options here.


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    Tags: auto, insurance, hitting, animal, car, accidents, deer

    Scituate Animal Shelter….”The Lucky Ones Come to Us”

    Posted by Gordon Atlantic Staff

    Thu, Mar 13, 2014 @ 09:00 PM

    If you have a Loving, Forever Home for a cat or dog, please check out The Scituate Animal Shelter on Rte 3A in Scituate.  Previously located on The Driftway in Scituate (since 1992, due to a bequest from Eleanor Haughey, a Scituate resident and quiet supporter of the Friends of the Scituate Animal Shelter), Scituate Animal Shelter is now located in a brand new shelter at 780 Chief Justice Cushing Highway in Scituate. Operated by the Friends of the Scituate Animal Shelter, the Scituate Animal Shelter is a not-for-profit 501(c)3, primarily volunteer, no-kill animal shelter that is funded solely by private donations.

    Keep animals safe volunteer and get personal from andrew g gordon inc

    Scituate Animal Shelter (SAS) believes pet overpopulation can and should be addressed without resorting to unnecessary euthanasia of adoptable animals.  SAS exists to benefit both the companion animals and people of our community by operating as a no-kill animal shelter that provides adoption/rescue services and meaningful outreach programs which advance the welfare of companion animals, serve our community, and make a positive impact on pet overpopulation.

    Maybe you’d like to be a Volunteer?   I have been a SAS Volunteer since August 2013 and find it enormously fulfilling.  I’m proud to be a part of the 120 trained, qualified volunteers from across the greater South Shore region! 

    SAS also facilitates accessible, affordable community programs, including:  Mary Hooper Elder Pet Care (HELP) program:  Dedicated to Helping Seniors Keep Their Pets Happy and Healthy!Get health insurance and protect animals with andrew g gordon inc 

    SAS offers in-school programs in order to develop the next generation of responsible pet owners.  Also there are pre-arranged, in-house tours available for small groups (i.e. Boy/Girl Scouts, etc).  You will be able to see how lovingly the staff and volunteers take care of the animals up for adoption until each finds their Forever Home.  Please contact SAS at: 781-544-4533 or visit their website today to check-out all the animals currently up for Adoption!  www.ScituateAnimalShelter.orgSAS works towards a time when every adoptable pet has a proper, loving home.




    Tags: animal shelter, scituate animal shelter, volunteer, community, no-kill, shelter, scituate, animal

    Slow and Steady Saves Lives

    Posted by Gordon Atlantic Staff

    Mon, Jun 10, 2013 @ 08:00 AM

    We all know the story of the tortoise and the hare. The two race each other, and even though the hare has the obvious advantage of being much faster, the tortoise triumphs. The tortoise does this by diligently working towards his goal, whereas the lazy hare stops to take a rest break. Once he rests, he cannot catch back up to the tortoise. Valuable life lesson? Definitely. So besides the obvious moral of Aesop's fable applying to you with everyday life- i.e. work, studies, personal goals, etc.- how does this story apply to you today?

    Drive slow and steady in your car save lives with auto insurance coverage from andrew g gordon incMaybe you've noticed them, and maybe you haven't, but there are turtles lining the streets EVERYWHERE. Driving recklessly or speeding through a neighborhood puts you, your car, and these cute little guys at risk.

    It's been only one week of summer for me, but I've already "rescued" two turtles from car-related deaths, (or so I'd like to think.) The first one was tiny; he fit easily into a bucket. My friend and I lifted Ronaldo- yes, we named our turtle- into the bucket with a shovel. We filled the bucket with some water, and we carried him down to the North River. He was home, or at least he was far, far away from the street and the oncoming traffic.

    The second turtle was not so easy. We dubbed him William, and William was a large snapping turtle who decided to chill in the middle of my neighborhood street. We could not lift him into a bucket; he snapped at us, and he was GIANT. So what we my friend and I to do? We had originally driven right on by, my friend believed William to be a curled branch with leaves, but I saw the truth. William was William, the giant snapping turtle. So we drove back.

    We eventually got William to the side of the road. When we drove back to my neighborhood later that night, we did not see William on the side where we had left him. But, we also didn't see a squashed William in the middle of the road. We had fulfilled our roles as "Turtle-Savers."

    The frequency of my rescuing turtles shows two things: 1.) Turtles are coming out now, more than ever. Maybe it's just me because of where I live, but there are bodies of water everywhere. Where there's water, there's bound to be a turtle. 2.) Sometimes turtles like to be in the road. DO NOT HIT THEM.

    Turtles are living creatures just like you. Hitting one involves killing one, and think of all the other consequences. The horror your child will feel. The loud crunch of the turtle shell beneath your tires. The damage to your car. The massacred turtle on the road. All of these are negatives; there is literally not one positive thing that comes about from hitting a turtle. So don't.

    Turtle Info:

    • Snapping turtles are large turtles, so large, in fact, that they do not entirely fit into their shells. This is why they snap; it's a natural adaptation for defense. Although turtles are more likely to flee than snap, a turtle will snap if you provoke it. They have jaws that have a hooked upper mouth. If you come across one, keep your distance.
    • June and early July are the prime months for mother turtles to lay eggs. Typically, they will dig many holes and leave them as false nests. Mothers will lay their eggs and then leave them.
    • It is illegal in Massachusetts to own turtles that are considered endangered. It is legal to take non-listed turtle species and keep them as pets, but it is highly discouraged. If you are interested in a pet turtle, your best option is to buy one from a store or a person with a valid license to sell turtles.
    • Do not disturb turtles if you come across them. The only exception perhaps is if you find one in the middle of the road. I've rescued them, but make sure you make good judgement calls when you interact with turtles.

    Referring back to the fable at the beginning of this little spiel, go slow and go steady so everybody, including the turtles, can win the race. Avoid the turtles, and keep the wildlife safe.

    If you are curious about turtles and other wildlife, we encourage you to contact the local experts at the South Shore Natural Science Center. If you are curious about any insurance related questions, maybe even something like the relationship between deer and auto insurance, do not hesitate to contact us or ask an insurance question at anytime.


    Tags: summer, safety, car damage, turtle, street, neighborhood, tortoise, hare, fable, moral, lesson, pets, animal, wildlife, road safety, road, nature

    A Danger for Dogs

    Posted by Marge Libby

    Mon, Jul 23, 2012 @ 09:22 AM

    Protect your beloved pets with these tips and insurance from andrew gordon inc norwell maDid you know that raisins are poisonous to dogs? I didn’t!  

    A friend of mine recently discovered this the hard way. His dog is fine now, but the thought of what could have happened to his ‘best friend’ alarmed him enough to post a warning to all his friends on Facebook.  

    I think most of us have heard the warning about chocolate, but raisins?!  And all this dog did was lick a salad bowl that had half a dozen raisins left in it. 

    And it's not just raisins but grapes too, which makes sense since raisins are dried grapes. As few as 7 grapes or raisins can cause serious intestinal damage.

    So beware and please check out  for LOTS more info on the many plants and household cleaners that are toxic to your pet and find out what to do in case an emergency like this should arise. Fido and Fluffy will thank you!

    And if you want to learn more about protecting your pooch and wallet with pet insurance, read another staff member's blog here




    Marge Libby

    Tags: dog, puppy, health, safety, insurance, animal, pet, toxic, posion

    Dogs: How Much Do They Really Cost?

    Posted by Sue Bird

    Thu, Mar 08, 2012 @ 04:32 PM

    Understand the real cost of your dog or other pet on homeowners from Andrew Gordon Inc Insurance Norwell MAOne of the many factors that can affect your Homeowners Insurance premium is if you have a dog and if that particular breed, whether pure bred or a mix, is on a company’s list of dogs that they will not insure or require a case by case review. Commerce Insurance Company will insure those difficult to insure breeds/mixes if they have completed and passed the AKC Canine Good Citizen Program.

    The Canine Good Citizen program tests that the dog and owners are responsible. And yes, the owner is responsible for making sure the dog behaves itself; training is important. The program contains 10 training tests such as basic sit and stay commands, appearance, and friendliness around strangers and other dogs.

    Other companies may have language in the policy that automatically excludes liability coverage for animals that have a history of biting. If you cannot find a standard company that will insure you because of your dog, there is always the Massachusetts Property Insurance Underwriting Association (MA Fairplan). They may however, exclude coverage for the dog if there has been a previous bite history/claim. Growling, biting, and general attacking will automatically fail a dog.

    There is also insuring the actual pet to consider. Dogs will need to visit a vet for regular check ups and inevitable health concerns. Most pure bred dogs experience more inbred diseases than "mutts," and the costs for treatment can be high. Protect your pooch and pocket book from damage. Policies differ for each pet but can start around $8-$10 a month and go up to about $50 or more. Age, breed, and location of the pet can affect pricing.

    For any questions or concerns about your furry friend: contact us and visit us online at We're here to help you with your insurance needs.


    Sue Bird

    Tags: house, dog, puppy, insurance, massachusetts, homeowners, pets, premium, dogs, puppies, animal, pet, canine good citizen program, fairplan, domestic, domesticated, canine

    How to Prevent Squirrels from Damaging Your Home

    Posted by Val Feeney

    Fri, Oct 14, 2011 @ 05:15 PM

    Homeowners can prevent home damage from squirrels and other animals with these tips and insurance from Andrew Gordon IncEvery day when I pull into my driveway from a day at work, I see several squirrels scatter off of my garage and up into the trees.  I have several large trees on my property which overhang the driveway, garage, and house, so dealing with squirrels is not new.  However, dealing with their destruction is.  These squirrels found a way into my neighbors 3rd floor apartment and caused extensive damage, so seeing them around my garage is unnerving. 

    How Squirrels Get In

    Squirrels are excellent climbers and can chew through wood easily, so they can climb onto your house and chew through a wooden gable to gain access to your attic.  Twice a year (late summer, early winter), female squirrels give birth to a litter, so this is the most common time that they will seek shelter in your home. 

    Squirrel Damage

    Once the squirrels are in your home, they can do widespread damage.   The squirrels will find bedding material by shredding your insulation and wood frame.  They will also chew through electrical wiring, which can lead to a fire.  They can also chew through PVC, which can lead to flooding or water damage.  Basically, they can cause enough damage where you would need to file an insurance claim. The only problem, your homeowner’s insurance policy often will not cover damage caused by the rodents.  However, it does cause ensuing damage such as if a fire was caused, or if a pipe opened and caused water damage.

    How to Prevent Squirrels From Entering

    It is important to fix any holes that squirrels may use to get into the attic.  If you leave these holes open, eventually some type of wildlife will seek shelter through them.  On the outside of the attic, you will want to secure any soffits and seal them shut.  You’ll also want to make sure that any doors or windows shut properly, and don’t have any wide gaps on the outer edges that would allow rodents to squeeze through.  On the inside of the attic, you’ll want to repair any previous damage caused by squirrels, like replacing insulation and inspecting all electrical wiring.  You can install a steel screen to bolt over your vents; this will usually prevent access through them. 

    If the squirrels are inside your home, problems only grow bigger.  Be proactive, check areas of your home such as the garage, attic, and basement regularly so you can locate holes or other access points before the squirrels do.  Keeping these tips in mind this fall and winter season will help you avoid filing an insurance claim.  If you do suffer damage, always talk to your agent (us) first to get a sense of whether it's in your best long term interest.  Some smaller claims are best left self-insured to keep loss-free credits or other cost considerations.

    To learn more about home damage check out our resources page.  Or view our whiteboard insurance video series for more information.

      Top 10 Things to Know about Homeowner's Insurance  

    Val Feeney

    Tags: home, damage, insurance, Pest, squirrels, rodent, squirrel, infestation, control, animal

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