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Planning a DIY project? Don’t Injure Yourself…

Before you measure twice, think twice—and consider the implications

Across the nation, it’s happening every day. Executives and editors channeling their inner electrician. Stockbrokers and sous chefs playing professional plumber. Teachers, office managers, personal trainers and innumerable others embarking on a serious building endeavor.

And, in many cases, insurance agents cringing for them.

Yes, it’s a DIY world out there, thanks largely to social media, marketing campaigns and wildly popular television shows—indeed, enough to warrant an entire new network—devoted to… Continue reading →

What to expect during an auto claims inspection

A simple process to ensure your claim is covered

There is a reason why the phrase “accidents happen” is so cliché: because it’s so true. And when it comes to car accidents, it’s especially true on the icy roads of New England in fall and winter. If you’ve been fortunate enough to have never had a car accident, congratulations! Still, knowing what to expect during an auto claims inspection may still come in handy someday.

Documenting damage

If you are… Continue reading →

Born to be wild? Check your motorcycle insurance first

Before you get your motor runnin’ and head out on the highway, do you know if you have the right insurance coverage for your motorcycle? The answer may not be as simple as you think.

Coverage requirements vary by state. At a minimum, Massachusetts requires that you carry:

  • Bodily injury to others with limits of $20,000 per person or $40,000 per accident
  • Personal injury protection of $8,000
  • Liability coverage for underinsured automobilists of $20,000 per person or… Continue reading →

Everybody knows your name: the benefits of local insurance agents

If you watch any TV these days, it’s likely you’ve seen the commercials: all matter of wildlife, from ducks to geckos, pigeons to Snoopy, trying to sell you insurance from major national brands. They are often good for a chuckle, and lead you to believe that shopping for insurance is fun and simple­­––a matter of checking a few boxes on an online form. But if you really think about what’s at stake, isn’t it worth spending a little time with… Continue reading →

National Insurance Awareness Day

3 ways to recognize the importance of this oft-overlooked essential

National Insurance Awareness Day falls on Wednesday, June 28. No fireworks. No cookouts. No decorations. Let’s face it, thinking about insurance is not fun. But still, taking a few minutes to recognize this day could have a tremendous impact on your life, and the lives of your family members.

Everyone needs insurance, whether by law (think auto insurance) or by situation (no one wants to leave their family destitute). Regardless… Continue reading →

Accidents happen

Do you know what to do if you have a car accident?

Even the best drivers can get into auto accidents. Weather conditions, road work, pedestrians, distractions and other drivers can cause even the most careful driver to crash.

Do you know what to do if you are in a car accident?

Safety first. Whether it’s a fender bender or a major accident, first, check to see if anyone is hurt. Check yourself and your passengers, then check to see… Continue reading →

Road work zone hazards

 

7 tips to help you navigate safely

The I-91 construction project is in full swing in downtown Springfield, and road work throughout the rest of the region is picking up now that the weather is warming. With a little patience and advance planning; however, you should be able to reach your destination safely and on time.

Some of these tips may seem obvious, but they serve as important reminders for all of us:

  1. Practice patience. Road work… Continue reading →

A mixed blessing: your teen got a driver’s license!

 

It’s an exciting time when your teenager gets their license. The big question on every parent’s mind, though, is: what does this do to my auto insurance premium?

Statistics show that young operators are at much higher risk to get into fender benders than experienced operators. This results in the cost of your collision coverage going up.

So, what do you do? Since the biggest statistical risk in the eyes of insurance companies is the collision coverage, the best… Continue reading →

Do I Need to Buy Insurance for my Rental Car?

 

Whether you’re on a business trip, vacationing or your car is in the shop, there are many reasons why you may find yourself behind the wheel of a rental. But before you drive away, you should give your insurance agent a call to discuss if you are covered under your current automotive policy.

Typically, your personal automotive insurance should extend to your rental car. Depending on the state in which your policy is issued, a rental vehicle is… Continue reading →

What’s driving your monthly premium?

How auto coverage costs are determined, and how you can help control them 

The whirlwind weekends spent online and on lots are behind you at last; you’ve got yourself a new vehicle. You did the math, worked your sales-defense savvy and settled on a manageable loan payment. Hopefully, your number crunching considered that other monthly payment, the one that goes along with this exciting purchase. It’s auto insurance, your financial protection in case of damage, destruction or theft of… Continue reading →

Bridging the GAP- Don’t Let Depreciation Put You at Risk!

 

We’ve all heard it before: a brand-new car loses 30% of its value when it’s driven off the lot. That means if your car is totaled or stolen, your insurance company will only pay out what your car is worth at the time of the claim. The purpose of Guaranteed Asset Protection—better known as GAP insurance—is to cover the “gap” between what you owe on your vehicle and what it’s worth at the time of the loss.

While GAP… Continue reading →

Headed north for trailer registration? You may be sorry!

Even for a Massachusetts native, there are plenty of reasons to visit New England’s northernmost state. Go for the legendary lobstah. Check out the vast beaches or historic hiking trails. Shop the famed outlets, and score your favorite fashions for less.

But if you’re looking to score a bargain on your trailer’s registration, you’re wiser to stay close to home.

In recent years, many Massachusetts residents and business owners have succeeded in registering their semi- or utility trailers in Maine.… Continue reading →

Auto Insurance: Why You Should Make It a Household Term

“Can I take the car tonight?”

It’s one of those questions that virtually all parents anticipate, and that most ultimately will hear—time and again.

The thought of your son or daughter behind the wheel of a vehicle may stir a mix of emotions, from anxiety and fear to excitement and relief. Although the nuances of auto insurance may not be your top considerations, it’s important to place them high on the list. That’s because, among other reasons, your child needs… Continue reading →

Are my visiting relatives covered under my auto insurance policy?

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Picture this – it’s Thanksgiving and you have entire gaggle of family show up for the holidays, some by plane and some by car. While you are thrilled about your family visiting, chances are these out-of-town guests will ask to borrow your car for a last minute trip to the grocery store. You might want to hesitate before tossing them the keys…

There are usually two kinds of drivers whom are covered by your car insurance: drivers that are listed… Continue reading →

What’s the Difference : Collision vs. Comprehensive Coverage?

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What is the Difference Between Collision and Comprehensive Auto Insurance?

 All automotive insurance policies are not created equal, and unlike liability coverage, both collision and comprehensive insurance are intended to pay for damage to your own vehicle. While all types of auto insurance are important, as a driver it is imperative to know how your policy protects your car.

What is collision insurance?

Collision coverage is insurance which protects against damage to your vehicle in the event of a… Continue reading →

How Much Money are You Willing to Spend on Insurance?

By: John E. Dowd, Jr

In the world of insurance everyone knows that driving history can impact your insurance rates. What most people do not realize is that your insurance rates can go up because you decided to buy a new pair of shoes or a nice new grill for the summer months.

This emerging tactic is called price optimization – an approach that some insurance companies have implemented. This practice uses an algorithm and statistical models to evaluate how… Continue reading →