Road Hazards

October 8, 2015 at 12:30 PM | Posted in Auto, Insurance Claims, Insurance Policy, Personal Insurance, Safety Tips | Leave a comment
Tags: , , , , , , , , ,

In the auto insurance industry, a “road hazard” can be defined as anything on the road that poses a threat to a driver, placing drivers at risk of being in an accident. Some common examples can be road repair in anticipation of winter, potholes, uneven/unpaved roads, or a foreign object in the road, causing drivers to swerve and possibly lead to an accident.

The frequency of road hazard accidents is at a high, and it’s not just due to a higher population of pot holes; objects being transported on the road risk coming loose if they are not secured properly, in turn posing a risk to drivers and others around them. Now that autumn is upon us, leaves will soon be littering the ground and everyone will be doing fall lawn clean-up, driving to waste yards to dispose of leaves and branches. If yard debris is not tied down with ropes, tarps, or nets, a portion of the load can fall off the vehicle during transit, creating a risk for accidents as drivers may need to swerve to avoid the falling yard debris, or debris left behind in the road.

With the knowledge of road hazards in mind while traveling, please use caution out on the road. Practice road safety. Keep your speed within the speed limit and maintain a safe distance behind any vehicle to avoid upcoming potholes or debris in the road; there’s a chance the driver ahead of you will swerve to avoid such road hazards.

Be sure you know the specifics of what your auto policy covers in the event of an accident. Any damage to your tire or wheel as a result of a pothole is not covered by MA auto policy. In the event of a collision due to a pothole, or coming in contact with anything on the road, auto policies can provide coverage, but you may be subject to a deductible. If you have questions about your auto policy, or would like to discuss your policy coverage in the event of an accident caused by a road hazard, our client representatives are here to give detailed and helpful direction. Call us toll free at 888 – 850 – 9400.

Advertisements

Seasonal Vehicle Coverage

April 8, 2015 at 9:00 AM | Posted in Auto, Camper, Insurance Policy, Motor Home, Motorcycle, Personal Property, RMV, Seasonal, Specialty Policy, Travel Trailer | Leave a comment
Tags: , , , , , , , ,

It is that time of year again. The motorcycles, campers, and collector cars and other recreational vehicles are starting to make an appearance now that the weather is better. Here are some insurance reminders before you take them out:

Motorcycles: If you decreased your coverage when you put your motorcycle away last winter, don’t forget to increase coverage before taking a ride. When deciding what coverage to put on your motorcycle, Medical Payments is very important to you and anyone that is on your bike at the time of an accident.

Campers: They can be covered under your auto policy, but you will get much better coverage at a comparable price if you insure your camper on a travel trailer policy. It includes things like towing and roadside assistance, accessory coverage for awnings, etc… and campsite liability if stationary.

Collector Cars: If you have a classic or collector car that is at least 15 years old, you will want to make sure you have collector car insurance coverage. The coverage is designed for the special needs of the car collector. It covers everything your regular auto policy will cover in the event of a loss but the method of determining the value is an agreed value rather than an actual cash value — there is no reduction taken for depreciation. Since a collector or classic car is only driven for a short period of time each year, the premium is usually much lower than a regular auto policy.
Off Road Vehicles: Whether you drive an ATV or a golf cart, you could potentially injure someone or cause property damage. You need coverage that will respond to any situation. Some of the extras on a recreational vehicle policy include: Equipment coverage, helmet and safety apparel, and trailer coverage.

Watercraft: Boats of all sizes and jet skis need the proper coverage as well. Physical damage to the vessel, liability to other boaters, medical payments, and trailer coverage are just some of the coverages available under a watercraft policy.

No matter what your passion is, make sure you and your family are protected with the right coverage before you experience a loss.

Submitting a Claim on Your Home or Auto Insurance

March 25, 2015 at 9:00 AM | Posted in Auto, Home, Insurance Claims, Insurance Policy | Leave a comment
Tags: , , ,

Due to this year’s severe winter, you are possibly one of the many that has sustained damage to your house or vehicle. Claims issues ranges include everything from ice dams and house fires, to broken windshields and auto accidents. No matter what type of loss you have, the following steps will help make your claim process go as smoothly as possible:

  • Contact your insurance agent as soon as possible.  Some questions you may want to ask are:  Is the damage covered? How long do I have to file the claim? Will the deductible apply? Do I need an estimate? How will this affect my future insurability?
  • Submit a claim. Once your questions have been answered and you make the decision to submit the claim, your agent can transfer you to your company’s claims department or help you contact them directly. The company representative will take your statement and assign you to a company adjuster that will handle your claim. Most likely your adjuster will send someone out to inspect the damage and help settle the claim. There is no charge for this service. You may also be contacted by a Public Adjuster who has no relationship with your insurance company. Public Adjusters charge you a fee for their services that can be as much as 15 percent of your claim settlement. Be advised, they can’t get more money for you than what is stated in your policy.
  • Create a file for your claim. The better organized you are the easier the entire process will be. Write up a summary of what happened, take pictures, and keep lists of damaged items. Keep copies of all forms that you send to or receive from the company or your agent. Write down the name of everyone you speak with along with the date you spoke to them.
  • Know who to contact for claims assistance. If you have questions regarding your claim, your company adjuster is the best person to contact. If you are still not happy with any aspect of your claim, contact your insurance agent and they will get involved on your behalf.

It is in the insurance company’s best interest to pay claims quickly and fairly to keep their customers happy. Most companies stake their reputation on how they handle their claims. Our agency recognizes that claim handling is one of the most important insurance services we offer, therefore, we have a dedicated Claims Adviser on staff to advocate for our customers. If you need guidance with your claim, please give us a call at 888-850-9400.

 

 

Operating Your Vehicle During These Trying Times

February 25, 2015 at 12:47 PM | Posted in Auto, Insurance Policy, Safety Tips, Seasonal | Leave a comment
Tags: , , , ,

Between icy roads, enormous snow banks, and potholes, it is important to use extra caution this year when operating your vehicle. Here are some tips to help you avoid damaging your vehicle, as well as avoiding property damage, or injuries to others:

1. Potholes – The best way to prevent damage to your vehicle from potholes is to keep your speed down so that you can go around them whenever possible. You should also try to go around puddles because, when melting occurs, potholes fill with water making it difficult to determine how deep they are.

2. Snow banks – The snow banks are so large this year that it’s impossible to see if another vehicle is coming when you are trying to pull onto the roads. It is best to slowly ease out a little at a time so that you are able to stop quickly, should another vehicle or pedestrian cross in front of you. You should also let other vehicles cut in front of you when you see that they are trying to pull out into traffic. A little patience and courtesy can help you and others avoid a potential collision.

3. Icy roads – The roads seem to continuously be covered in either snow or black ice. Keeping your speed down and slowing down early when coming to a stop will help avoid sliding into something. Also, keeping at least a cars length between you and the vehicle in front of you will help avoid a rear ending incident.

Next week is the first week of March so hopefully we are past the worst of this winter’s challenges. In the meantime, having patience and being cautious can help us get through these trying times. If you have any questions about your auto policy, and what types of conditions are covered, please call us at 888.850.9400. Drive safely!

Two Holidays in the Same Week

February 14, 2015 at 9:00 AM | Posted in Auto, Holidays, Home, Insurance Policy, Personal Insurance | Leave a comment
Tags: , , , , , , , ,

Valentine’s Day carries the tradition of showing loved ones how much they mean to us. On President’s Day, we remember all U.S. presidents past and present. It’s not often that we have two holidays in the same week like we do this year, and both of these holidays are popularly known for people making unique, and valuable, purchases; jewelry for Valentine’s Day and vehicles for President’s Day.

Whether you are giving or receiving, we want to help you make sure that your special, and expensive, gifts or purchases are adequately insured. Here are a few suggestions:

  • Jewelry – Jewelry can be a fun gift to pick out or receive, and may even end up being passed down in your family through generations. We want to help keep something of such monetary and sentimental value in your possession. Your Homeowner policy has limitations on the types of losses that are covered and on the amount of coverage provided for jewelry. Consider adding a rider to your policy such as a “Scheduled Personal Property Endorsement” or a “Blanket Endorsement.” Both of these endorsements provide coverage for all types of losses and they do not have a deductible. You can also purchase the right amount of coverage that you need for your jewelry by having an appraisal or receipt for each item.

 

  • Vehicles – Purchasing a car is not only an expense financially, but also physically; it takes time, consideration, and planning. One thing to consider when purchasing a car: as soon as you drive your brand new vehicle off of the dealer’s lot, its value starts to depreciate. If your vehicle happens to get totalled within the first few years of ownership, you could end up owing more on the loan than the vehicle is worth. To avoid out-of-pocket expenses to make up the difference, you should have GAP coverage added to your Auto insurance policy at the time you insure the vehicle. The cost for this coverage is usually not more than $50, and can prove to be a valuable decision.

After this week’s holidays, whether you acquire a new item of jewelry, start your week off driving a new car, or decide you would like to look into further insurance options for your possessions, we want to help you insure the safety and value of each. If you have any questions about the policies stated above, or your existing policies, please contact us at 888-850-9400.

Personal Auto vs. Commercial Auto when Snow Plowing

November 5, 2014 at 11:09 AM | Posted in Auto, Insurance Policy | Leave a comment
Tags: , , , , , , , , , , ,

The first snowfall of the year has arrived! If you plow during the winter months with your personal vehicle, it is time to get the plowing gear ready. The following information, regarding your Personal Auto policy, may help you determine when you should consider obtaining a Commercial Auto policy:

Under a personal auto policy:

  • If you are plowing for a fee, your personal auto policy should be endorsed to Business Use to avoid issues at the time of a claim due to business use exclusions. The cost to add this endorsement is relatively small.
  • You should provide a receipt or documentation stating the value of the plow and hitching equipment so the policy can include it in the Physical Damage coverage. Otherwise, the cost of the plowing equipment would not be included in a claim should you report a loss.
  • A personal auto policy does NOT offer any Completed Operations coverage. This coverage responds in cases where someone files a claim from an incident (i.e. slip and fall injuries) after hired snow removal is completed.

When you need a commercial auto policy:

  • When you are required to carry Combined Single Limits.
  • When you are required to list an Additional Named Insured on the policy.
  • When you are required to produce a Federal Motor Carrier Service Association Filing.
  • When you need Completed Operations coverage. We suggest that if you are plowing for others you always carry Completed Operations coverage.

Call us at 888.850.9400 ~ we can help you protect your business investment to the fullest extent possible.

Preparing Your Home & Auto for the Changing Seasons

September 17, 2014 at 9:22 AM | Posted in Auto, Home, Reminders, Seasonal | Leave a comment
Tags: , , , , , , , ,

The change of season brings in colder weather ~ like it or not. As warm summer days give way to the cooler air, we know the winter months aren’t far behind. While enjoying autumn’s changing weather, take a moment to pay full attention to the following items before the cold winter temperatures take hold:

Vehicles

  • Car Batteries – Cold weather drains a battery quickly make sure yours is charging at full capacity
  • Antifreeze – Make sure you have the levels required to handle low temperatures
  • Wipers and Windshield Washer Fluid – Check for proper working order and appropriate levels
  • Oil – Replace with winter grade oil
  • Tires – Make sure you have the adequate tread to handle the snow and ice
  • Ice Scrapers & Snow Brush – Stock your car with these essential snow and ice removal tools
  • Emergency Kit – Be sure to includes a shovel, blankets, flashlights, matches, food, and water

Home

  • Tune Up Time – Snow blowers and generators should be running correctly and currently tuned up
  • Shovels and Sand – Stock an adequate supply of both
  • Tree Maintenance – Trim branches away from power lines and your roof and gutters
  • Furnace & Chimneys – Have these items professionally cleaned before the heating season starts
  • Space Heaters – Inspect all heating appliances thoroughly before using them
  • Emergency Supplies – Replace and Restock before power outages. Include batteries, flashlights, non-perishable food supplies, and blankets
  • Medication – Always keep an emergency supply accessible to cover a few extra days in case you become stranded

Being prepared provides you the reassurance and comfort that will enable you to enjoy the changing seasons and the unexpected weather that is inevitable!

WINTERIZING YOUR SUMMER TOYS

September 10, 2014 at 3:00 PM | Posted in Auto, Camper, Motor Home, Motorcycle, Seasonal | Leave a comment
Tags: , , ,

Your motorcycles, classic cars, and boats have contributed to your summer fun. Can you believe that the time to winterize them is just around the corner? Here are some tips to keep in mind:

CARS & MOTORCYCLES:

  • Change the oil and filter
  • Fill the tank with fresh gas and use a stabilizer
  • Make sure the coolant levels are proper
  • Use a battery maintainer or remove the battery
  • Put the vehicle on stands if possible, otherwise, inflate the tires to the proper pressure
  • Wash the vehicle to remove any dirt, especially underneath and in the wheel wells
  • Cover openings such as exhaust pipes and air intakes to prevent animals from nesting
  • For indoor storage open a window slightly, for outdoor storage use a cover

BOATS:

  • Store boats stern down
  • Open all valves and drains
  • Use a fuel stabilizing additive
  • Drain the fresh water tank and heater and use anti-freeze
  • Provide structural support under covers and tarps
  • Remove electronics and cushions and store inside
  • Put moisture absorbers in the cabin

Winterizing your summer toys properly during the long, cold winter months will help ensure that you get to enjoy them again next year.

Auto Discounts for Students

September 3, 2014 at 9:08 AM | Posted in Auto | Leave a comment
Tags: , , , , ,

Now that school is back in session, it is a good time to remind you of two important school related discounts that most insurance companies offer on auto insurance:

  1. Good Student discounts: A full-time high school or college student with a 3.0 or B grade point average may be eligible for up to a 10% discount on the vehicle they are rated on.
  2. Students Away at School discounts: A full-time student that resides at an accredited school at least 100 miles away from home may be eligible for an additional discount up to 15% on the vehicle they are rated on.

If you have a child in school, these discounts could save you money. Check with your agent to see if your child is eligible.

Seasonal Vehicle Coverage

April 9, 2014 at 9:04 AM | Posted in Auto, Camper, Insurance Policy, Motor Home, Motorcycle, Personal Insurance, Personal Property, Specialty Policy, Travel Trailer | Leave a comment
Tags: , , , , , , , , ,

It is that time of year again. The motorcycles, campers, and collector cars and other recreational vehicles are starting to make an appearance now that the weather is better. Here are some insurance reminders before you take them out:

  • Motorcycles: If you decreased your coverage when you put your motorcycle away last winter, don’t forget to increase coverage before taking a ride. When deciding what coverage to put on your motorcycle, Medical Payments is very important to you and anyone that is on your bike at the time of an accident.
  • Campers: They can be covered under your auto policy, but you will get much better coverage at a comparable price if you insure your camper on a travel trailer policy. It includes things like towing and roadside assistance, accessory coverage for awnings, etc… and campsite liability if stationary.
  • Collector Cars: If you have a classic or collector car that is at least 15 years old, you will want to make sure you have collector car insurance coverage. The coverage is designed for the special needs of the car collector. It covers everything your regular auto policy will cover in the event of a loss but the method of determining the value is an agreed value rather than an actual cash value — there is no reduction taken for depreciation. Since a collector or classic car is only driven for a short period of time each year, the premium is usually much lower than a regular auto policy.
  • Off Road Vehicles: Whether you drive an ATV or a golf cart, you could potentially injure someone or cause property damage. You need coverage that will respond to any situation. Some of the extras on a recreational vehicle policy include: Equipment coverage, helmet and safety apparel, and trailer coverage.
  • Watercraft: Boats of all sizes and jet skis need the proper coverage as well. Physical damage to the vessel, liability to other boaters, medical payments, and trailer coverage are just some of the coverages available under a watercraft policy.

No matter what your passion is, make sure you and your family are protected with the right coverage before you experience a loss.

Next Page »

Create a free website or blog at WordPress.com.
Entries and comments feeds.

%d bloggers like this: