4 Dec 2009 Winterizing Your Home and Auto

While we’ve been experiencing unusually warmer winter days thus far, Old Man Winter is undoubtedly preparing to hit the Northeast. And hard! The 2010 Farmers’ Almanac is predicting yet another frigid winter where we are expected to see “more days of shivery conditions: a winter during which temperatures will average below normal for about three-quarters of the nation.” (www.farmersalmanac.com).

What does that mean for all of us residents in New England? Well aside from shoveling and scraping all that snow and ice (the Alamanc is reporting a major snowfall in mid-February; possibly even blizzard conditions for New England); we also need to prepare our homes and autos for the wintery blast that is sure to creep up on us soon!

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30 Nov 2009 Teen Drivers and Black Ice

As the colder weather approaches, we thought this a good time to remind our adventurous teen drivers of the perils of black ice. Most often formed when the temperatures are right around freezing point, black ice is often invisible or appears to be wet pavement and catches many drivers off guard. As teens likely have little or no experience in recognizing or driving on ice, a few simple tips may be helpful when the temperature is at or below 32 degrees.

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19 Nov 2009 Give Your Pooch the Best Christmas Present: Pet Injury Coverage!

Pet owners spend a whopping $40 billion on their furry friends each year. That’s enough to buy a gallon of gas for every man, woman and child in the United States … 44 times.

Insurance companies haven’t always viewed pets with the same passion as their owners. If you’re in an accident, generally everyone in the car – except your four-legged friend – is covered.

Some insurance companies today are now recognizing Fido and Fifi as family members. Commerce Insurance now offers an endorsement to the personal auto policy that provides this valuable protection! A Commerce policyholder can purchase this enhancement for only $20! When collision coverage is purchased on the vehicle, Pet Injury Coverage extends to cats and dogs and pays up to $500 if your dog or cat is hurt or dies as a result of a covered collision accident.

And, best of all, if you’re a AAA member, the coverage is free!

We know how much our clients love their pets. Many of us have pets, too, and feel that our pets are an extension of our family.

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8 Nov 2009 Exercise Caution with Your ATV

Over 16 million Americans enjoy the experience of operating an all-terrain vehicle (ATV). Unfortunately, approximately 600 people die each year and nearly 122,000 are injured each year due to ATV accidents. Injuries and accidents are particularly common for children under age 16. If you own an ATV or operate one, you should advise our office accordingly to verify that you have proper liability and physical damage coverage in place. In addition, the following safety tips should be followed

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23 Sep 2009 Reduce Your Exposure to Wildfires

The major wildfires in Southern California in August and September have burned over 150,000 acres, destroyed dozens of homes, and caused residents to flee from over 10,000 homes. Indeed, wildfires are one of the most destructive natural forces known to mankind. While sometimes caused by lightning, nine out of ten wildfires are human-caused. A wildfire can be defined as any unwanted and unplanned fire burning in forest, shrub, or grass. According to the National Interagency Fire Center, there were over 80,000 wildfires in the United States in 2008. These fires burned an estimated 5.2 million acres.

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16 Sep 2009 Keep Your Cool While On The Road

With so many people on the road, it may be a good time to brush up on what you should do in the event you’re involved in a crash. Here are some tips from The Progressive Group of Insurance Companies.

Preparedness starts before you leave the driveway:

• Put a disposable camera and pen and paper in your glove box. Car insurance claims can be settled faster if there’s a good record of what happened. If you can take photographs or collect license plate numbers, or even names and phone numbers of witnesses, these can all help your insurance company establish facts faster. Want to go one step further? Keep a blank Massachusetts Motor Vehicle Accident Report in your car that way you’re sure to gather all the pertinent information should an accident occur.

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9 Sep 2009 Why Purchasing an Identity Theft Insurance Program Makes Sense

We often refer to ID theft insurance like car insurance – we all think we’re good drivers, but accidents (and the unexpected loss of our personal information) can happen to anyone. It’s something we hope you never have to use, but if you do, you’re glad you have it when the time comes.

As for what to look for in value, to quote the Identity Theft Resource Center (http://www.idtheftcenter.org), “As to purchasing Identity Theft insurance, make sure that they cover most major costs including lost wages and time, travel, legal expenses, postage, photocopying, telephone costs and other expenditures that may be needed. It should have a low deductible. This is a personal choice issue. The cost should not be more than $25-40 per year or it may be overpriced. The deductible should not be high or it doesn’t pay for itself. Your highest costs will be time spent, legal costs (if necessary) and travel.”

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1 Sep 2009 Five Common Homeowners Insurance Mistakes

Our experience shows that the typical homeowner, in the absence of professional advice, is inclined to make certain mistakes when purchasing property insurance for a residence.

Their dwelling limit is inadequate if the home must be rebuilt following a covered loss.
The policy lacks replacement cost coverage.
The liability limits are too low for today’s litigious society.

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28 Aug 2009 Top Five Causes of Workplace Injuries

Many of these same causes could be adversely impacting your claim experience. What to do? Safety experts believe that most causes can be prevented by the implementation of an accident prevention plan. Good plans have the following components:

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26 Aug 2009 Young Families Often Fail to Purchase Life Insurance

Many studies show that younger individuals (under the age of 40) who die prematurely leave their families without adequate life insurance. This is especially true for couples with children. Failing to leave an adequate life insurance benefit could force dependent family members to sell personal assets (such as their home), exhaust personal savings, or take on a second job to make ends meet.

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