By now you're probably sick of hearing about how important it is for your business to be involved in social media. Chances are if you're reading this, you're already actively engaged on Facebook, Twitter, LinkedIn and elsewhere.

Stats bear this out: A new study from InSites Consulting finds that 80 percent of American companies use Facebook, 45 percent have a Twitter account, 48 percent are present on LinkedIn and 31 percent use YouTube.

Another study of social media use by property-casualty insurers conducted by Corporate Insight points to insurers who are doing some pretty sophisticated things. On Facebook, Amica's “Connections” sitelet follows a road trip theme, allowing users to upload photos from their trips around the country; and GEICO's “Gecko Tracker,” tying in to the company's TV commercials, encourages users to tweet a suggestion for the mascot's next destination (mine would be to send him to the Seventh Circle of Hell, but then that's just me).

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