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Your personal risk management strategy can have a major impact on your family’s financial bottom line. Gaps in coverage and inadequate liability protection could cost you financially.

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Risk Resource® is a four-step process utilized by General Insurance Services, Inc. to identify, develop, implement and monitor the risk management strategies for you and your business.

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There are essentially two kinds of health insurance: Fee-for-Service and Managed Care. Although these plans differ, they both cover an array of medical, surgical and hospital expenses.

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Driving in snow and iceAs temperatures dip down during this time of the year, it's not unusual to have black ice on the roadways in many parts of the country, especially in the early morning. This leaves drivers in a difficult and dangerous situation, but there are steps you can take to stay safe.

What Is Black Ice?


When there is moisture on the road and the temperature drops, it freezes into a transparent layer of ice on top of the asphalt. Because you can see through the ice to the pavement, the road has its normal dark appearance, resulting in the name "black ice." While the road may look safe to drive on, this causes an especially unsafe situation.

Tips For Driving On Black Ice


If you suspect black ice, there are many things you can do to avoid an incident.
  • Slow down. If you hit a patch of ice, you'll have a better chance of regaining control of your vehicle at a slower speed.
  • Increase your distance from the car in front of you to give you more time to stop.
  • Watch the cars in front of you. If there isn't water coming off their back tires it may mean there is some black ice. Also, if you see others sliding it can give you some advance warning.
  • Steer smoothly. Jerky movements while braking or accelerating can cause you to skid on ice.
  • Be cautious driving through shady areas or over bridges, two areas that are especially susceptible to black ice.
Black ice can pose a scary situation, but if you are aware of the temperature, the circumstances and you stay alert, you should be able to make it to your destination without an incident.

Get the coverage you need. Call General Insurance Services at (219) 362-2113 for more information on Michigan City auto insurance.
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General Insurance Services
Michigan City
421 Franklin Street
Michigan City, IN 46360
(219) 879-4581
(800) 961-0953
M - F 8am-5pm
General Insurance Services
Valparaiso
4208 Calumet Ave, #100
Valparaiso, IN 46384
(219) 464-3511
(888) 844-8376
M - F 8am - 5pm
General Insurance Services
La Porte
1200 Michigan Ave.
La Porte, IN 46350
(219) 362-2113
(800) 766-4478
M - F 8am - 5pm
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