Tuesday night’s freeze caught a few Salem drivers off guard. If you hit that black ice on Commercial or River Road, you know what I’m talking about.

One of my customers slid into a curb on Lancaster Wednesday morning and couldn’t remember what her deductible was. That’s how most coverage gaps show up — a deductible you set years ago, no rental car coverage, or comprehensive that doesn’t match what your car is worth anymore.

Not sure what’s on your policy? Call or stop by and we’ll pull it up together. Ten minutes, no charge.

Christian Sammons — State Farm Insurance Agent

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