Reindeer Coverage?

Ho-ho-ho!

Those of us with children realize that, inevitably, there will come a day when our bright-eyed child asks:

Does our homeowner policy include reindeer coverage?

Santa Claus

Ho-ho-ho!

Those of us with children realize that, inevitably, there will come a day when our bright-eyed child asks:

Does our homeowner policy include reindeer coverage?

Well, thankfully Virginia, Yes! The standard HO-3 homeowner insurance policy will, indeed give you coverage for reindeer damage, subject to deductible.

It will also, give you personal property coverage if the Fat Man himself decides to steal your stuff. (Cookies excluded.)

There are, however, special limits for special items on your standard home insurance policy.

Special limits, which in the event of a loss typically include: $200 on money, bank notes, bullion, gold, silver, platinum, coins and medals; $1,000 on securities, accounts, deeds, evidences of debt, letters of credit; $1,000 on watercraft; $1,000 on trailers not used with watercraft; $1,000 for loss by theft of jewelry, watches, furs, precious and semiprecious stones; $2,500 for loss by theft of silverware, silver-plated ware, goldware, etc.; $2,000 for loss by theft of firearms; $2,500 on property, on the residence premises used at any time or in any manner for any business purpose; $250 on property away from the residence premises used at any time in any manner for any business purpose.

To combat special limits and insure your special items up to their value, you can add items to your homeowner policy per appraisal.

If you have any questions about your Massachusetts home, auto, business, or life insurance, please call or click us at Massautoquote.com.

You’ll be glad you did.

 

 

MA Auto Policy Review: Part 12, Underinsured Motorist Coverage

Considering the potential damage from an accident with an underinsured motorist, you should seriously consider buying as much coverage as you can afford and is allowable by the insurance company …

Massautoquote Coverage Review

Millions of auto accidents occur every year. Given the high speeds and low weight of cars on the road, many crashes result in serious injuries. While medical advancements can do amazing things to treat injuries, treatment comes at a high cost. Medical bills for even minor injuries can run thousands of dollars.

If you’re hurt in an auto accident, you’re going to want treatment and rehabilitation that restores “normal life” to you and your family. Underinsured motorist coverage can provide the financial help needed when the at-fault driver’s car insurance runs out.

Underinsured motorist coverage is similar to Part 3 on the MA auto policy, uninsured motorist coverage.

Both types of coverage apply only if you are injured in an auto accident where another driver is at fault. Whereas uninsured motorist coverage applies if the at-fault driver either does not have liability insurance coverage or cannot be found, underinsured motorist coverage applies if the at-fault driver has liability coverage but does not have sufficient limits to fully compensate you for damages.

If you’re hurt in an accident and someone else is at fault, the coverage will pay if the other driver’s does not.

How Important Is Underinsured Motorist Coverage?

How many people do you think carry sufficient liability coverage to pay medical bills for serious injury? Many states only require $25,000 in liability limits, which is amazingly little when you consider the potential for serious injuries. In reality, bills from even a short hospital stay can surpass the limits of many drivers’ liability coverage, and your underinsured motorist coverage may be needed to pay the difference. When you consider the relatively low minimum auto liability limits required by most states, it’s easy to see that your potential costs from an accident with an underinsured motorist can be very significant.

How Much Coverage You May Need

The rule of thumb is that underinsured motorist limits, if provided separately, should be the same as the liability (and uninsured motorist) limits on the policy. The legal damages from an injury or a death in an accident can include areas like loss of income and other costs of recovery. These can exceed the direct bills from the doctor and hospital. A death claim can also include potential future earnings and loss of care and services to survivors.

Considering the potential damage from an accident with an underinsured motorist, you should seriously consider buying as much coverage as you can afford and is allowable by the insurance company.

Protect Yourself if Someone Else Is at Fault

Massautoquote would love to earn your Massachusetts auto insurance business. We welcome the opportunity to review your coverage and discount programs.  Call, click or stop by today to help determine your insurance needs.

 

 

Auto Accident Surcharge Appeal

Unlike the old days, page 1 Google rankings are getting harder and harder to come by.

For the key word phrase: “MA AUTO INSURANCE,” behind the insurance behemoths, usually on the middle of Google’s page 2, you’ll find our humble, local Massachusetts Independent Insurance Agency Quote Request website …

MA Auto Insurance Accident Surcharge Appeal

Unlike the old days, page 1 Google rankings are getting harder and harder to come by.

For the key word phrase:  “MA AUTO INSURANCE,” behind the insurance behemoths, usually on the middle of Google’s page 2, you’ll find our humble, local Massachusetts Independent Insurance Agency Quote Request website.

Still, not is all lost.

Going back to Massautoquote’s first web log entry in 2008:

The Massautoquote.com Blog is our attempt to demystify the changes in the auto insurance system and to educate Mass. consumers about different discount and coverage programs.

Instead of finding us on Google’s page 1 for such competitive phrases as: “MA AUTO INSURANCE” or “MA AUTO INSURANCE QUOTE,” you’ll find us on page 1 for more consumer-friendly topics of help such as: “MA AUTO INSURANCE SURCHARGE APPEAL” and “KIDS AND CARS IN MA.”

So, to the point:

Have you been found “at-fault” in a Massachusetts accident?

Have you received the surcharge notice?

If so, this means your insurance company paid out over $500 and have determined you to be more than 50% at-fault.

If you believe you were less than 50% at-fault, Massautoquote believes you should appeal the surcharge.

When determining fault in an accident, unlike the insurance companies, the Board of Appeals takes into consideration contributing factors; such as: road condition (icy, wet, snow-covered), visibility, erratic driving, etc.

The cost to appeal the surcharge is $50 and the Massachusetts Board of Appeal tells us it is taking about 8 months before your receive your hearing date.

You can appeal a surcharge either: in person, by written statement, or by selecting someone to appear on your behalf.

Hearings are scheduled in:  Boston, Brockton, Peabody, Plymouth, Somerville, Springfield, Waltham, or Worcester.

Mass.gov Board of Appeal Contact information

http://www.mass.gov/ocabr/consumer/insurance/auto-insurance/appeal-license-revocation/board-of-appeal-contacts.html

Board of Appeal
Division of Insurance
1000 Washington St, Suite 810
Boston, MA 02118-6200
Phone (617) 521-7478
Fax (617) 521-7772
Email: BOA Mailbox


Merit Rating Board
P.O. Box 55889
Boston, MA 02205-5889
Phone: (617) 351-4400

Do I Need Collision Coverage on my MA Auto Insurance Policy?

Most of us have, at one time or another, looked at a bill for our car insurance premium and wondered, “Do I really need all the auto insurance I’m buying?” Some coverage is “nice” to have and other coverage we “need” to have.

Where is collision coverage on that scale? …

MassAutoQuote Collision Coverage

Collision Coverage Protects the Value of Your Car When Damaged in an Accident

Most of us have, at one time or another, looked at a bill for our car insurance premium and wondered, “Do I really need all the auto insurance I’m buying?”

Some coverage is “nice” to have and other coverage we “need” to have.

Where is collision coverage on that scale?

Imagine you’re in a car accident, sitting in the driver’s seat in total surprise and shock. Once you have determined that everyone involved is safe, your attention will shift to the damage to your vehicle. If you carry collision coverage, you have already taken important steps toward getting your car fixed.

What Is Collision Coverage?

In plain terms, collision coverage pays to fix what happens to your car when it hits another vehicle or when another car hits you. Your car is far more likely to be damaged in a “collision” than from all other incidents combined. If you have noticed the increase in inattentive drivers on the road, you can readily understand that being in an accident is sometimes simply a case of being in the wrong place at the wrong time.

Collision coverage pays regardless of fault.

Your car insurance will pay (less your deductible) to repair or replace your car even if you are the one at fault in an accident. But be aware that your policy probably excludes some causes of damage, for example, if you are racing or if you intentionally run into someone.

  • If another driver is responsible for an accident, whose car insurance pays? You collision coverage will pay to fix your car and then try to recover the costs from the other driver’s liability insurance, thus saving you the trouble of trying to recover from the responsible party. If your insurance company recovers the full amount of damages, your deductible may be reimbursed as well. Collision coverage will pay to fix damage to your vehicle even if another driver causes the accident, flees the scene and cannot be found.
  • Optional extensions to collision coverage may be available. Besides basic collision coverage, there is other coverage you can add, such as Towing and Labor and Rental Reimbursement. These “extras” are relatively inexpensive, and can be helpful with the arrangements you may have to make after an accident.

Why Do I Need Collision Insurance?

If you financed the purchase of your auto, you likely are required to carry collision coverage. The lender holds title to the vehicle and will normally require that “full” insurance (including collision coverage) remains in place as long as the loan is outstanding. Once the vehicle is paid off, or if you paid cash for it, you have the title and can decide for yourself whether to carry collision coverage on your auto policy.

Even if a lender is not requiring collision coverage, the insurance provides important protection on a vital asset — your vehicle — that can be very expensive to repair or replace. Most of us rely heavily on our cars during our daily lives. You should ask yourself how you will get around if your car is damaged. What if it is totaled? Can you afford to buy a new car? If you are considering removing collision coverage, you should, at the very least, make sure that you have alternate transportation readily available.

Protect Yourself and Your Car

Everyone who operates a vehicle has a serious risk of being involved in an accident. It is important to realize that the odds of being in an accident depend not just on your driving skills, but other drivers as well. If the damage from an accident would cause you financial problems, consider including collision coverage on your auto insurance policy.  As your online, MA independent insurance agent, we can help you decide on the car insurance you need to protect you and your vehicle.

MassAutoQuote:  Call, click or stop by today to discuss your collision coverage options and to design the best protection for you.

Choose the Right Independent Insurance Agent

Disclosure: I am a Massachusetts, Independent Insurance Agency Owner.

I believe selecting the right MA independent insurance agent to take care of your insurance needs should not be an “eeny, meeny, miny, moe” decision. You are looking for a long-term relationship with someone you can trust …

MA Auto Insurance

Disclosure: My name is Kevin Johnson and I am a Massachusetts, Independent Insurance Agency Owner.

I believe selecting the right MA independent insurance agent to take care of your insurance needs should not be an “eeny, meeny, miny, moe” decision. You are looking for a long-term relationship with someone you can trust. You wouldn’t buy a car without shopping around, and you shouldn’t select an independent agent without doing some research too. So what should you look for?

1.      Know the Difference between Independent Agents and other Insurance Agents

An independent agent may be a small-business owner who represents a number of different insurance companies. In contrast, agents who represent large, national insurance companies are employees of their company and only sell products from that company. A direct insurance company sells directly to you without an agent, typically online. An independent agent has the opportunity to best match price and coverage for your needs, and if an insurance company is competitive one year but not the next, your independent agent can quote other carriers. That is why they are called independent.

2.      Visit Their Website

Websites are full of information. Read about the history of the agency, the staff’s bios, their customer testimonials. See if their website provides insurance information and easy access to price quotes, either online or via telephone. Websites can give you a feel for the personality of the agency, what they think is important, and the type of customer service they provide.

3.      How Long Have They Been In Business?

The Independent Agent business can be a hard business. If your not growing your shrinking. Agents come and go and Agencies get bought and sold. Is your Agent the owner? Owners have a vested interest in earning and keeping your business.

When you call do you get a familiar voice or an automated teller. Do they get back to you when you leave a message? How long does it take for them to get back to you?

4.      Do They Answer the Phone?

It might sound silly, but when you call do you get a familiar voice or an automated teller? Do they get back to you if have to leave a message? How long does it take for them to get back to you? If they don’t get back to you when they are trying to earn your business, then they probably won’t get back to you when you have a claim or billing problem. Interview the independent agents you are considering: You should feel respect for their knowledge and get a sense about their integrity.

5.      Knowledge and Trust Are Key

It is not so simple to determine knowledge and trust because these qualities are established over time. But you can start by asking the independent agents you are considering to explain the products they sell and how they determine which products, coverage and limits you need. This will give you a good feel for how the agent does business.

*Remember that your relationship with a good independent agent is likely to last a long time, so it pays to take the time to choose the right one for you.

As your independent agent, our job is to help you select the best coverage and limits and with the most competitive premiums from a variety of the insurance companies we represent.

Call, click or stop by MassAutoQuote today.

How Can I Save Money on MA Auto Insurance with a Teen Driver?

Ah yes, your teen is finally behind the wheel, which allows you to hang up your hat as the resident chauffer. But in addition to that new found sense of freedom for both parent and teen, comes a new pinch in the pocketbook …

Save Money with Teen Drivers

Ah yes, your teen is finally behind the wheel, which allows you to hang up your hat as the resident chauffer. But in addition to that new found sense of freedom for both parent and teen, comes a new pinch in the pocketbook.

It’s true, parents of teen drivers typically incur an increase in their car insurance premiums. But we have some tips on ways to save that can offset the cost of having a young driver on your auto insurance policy.

Choosing a Vehicle for your Teen Driver-

One factor that can affect your rate significantly is whether your child will have their own car. There is a substantial savings in having a new teen driver share the family vehicle rather than giving them a car of their own. In addition to having one less vehicle to carry on your policy, sharing a car means they will spend less time driving because of limited access to a vehicle.

Should you choose to get your teen their own vehicle, the type of car you select can affect your premiums considerably. Your independent insurance agent can help you determine which models cost less to insure, but considering these factors may help you narrow down your choices:

  • Drive a used car. While a brand new car may seem the safest choice (if cost isn’t an issue), it is often the more expensive route when it comes to car insuran A newer used model can be one way to get a reliable vehicle while keeping your rates in check.
  • Safety rankings coun Whether you are considering new or used, it is a good idea to check the safety ratings. Having your teen at the wheel of a safe car will affect your premium as well as your peace of mind.

Tips for Offsetting the Cost of Insuring a Teen Driver-

Aside from the type of vehicle your teen is driving, there are other areas to look for savings:

  • Raise your deductibl This generally lowers your premium and helps prevent you from filing small claims, which affects your rates.
  • Evaluate the value of older vehicle You may be paying more in premiums than you can get back from the insurance carrier in the event that car is involved in an accident. If that’s the case, you might want to consider dropping the collision and comprehensive coverage for that vehicle.
  • Consider combining policies with one insurer. Most insurance companies offer discounts if you purchase both your homeowners and car insurance from one carrier, if you don’t do so already.

While you may be tempted to cut back on your liability coverage to offset the cost of adding your teen to your auto insurance policy, in the long run it may not be the wisest choice. Statistics show that teen drivers are more likely to get into accidents than older drivers. In the event of a serious accident, having less liability coverage than needed would leave you footing the bill for anything beyond your liability limits, putting your financial security at risk.

You Can Find Teen Driver Discounts-

Consider these additional ways to save on car insurance directly related to having your teen behind the wheel:

  • Wait a year or two. While it’s not always a popular choice, having your child wait until they’re 17 or 18 to get their license can lower the cost of insuring a new teen driver.
  • Driver training programs. Driver-safety programs are not only a way to teach your teen driver safe driving habits, but in many cases, they can reduce your insurance premiums as well. In addition, some programs offer GPS and video capabilities as a way to monitor your child’s driving habits when you’re not with them.
  • Maintain good grade Teen drivers who maintain a B average or higher are generally eligible for a discount with most insurance carriers.

Compare Costs-

Like most major purchases, some insurance companies offer better rates for teenage drivers than others. If the savings is significant, it may be worth switching from your current carrier. On the other hand, if it is a nominal savings and you’ve been with your insurer for some time, it can be worth staying put. In the event of an accident, your long-term relationship goes a long way toward goodwill. It could potentially save you from a rate increase or being dropped altogether.

Also, switching insurance companies may affect your homeowners insurance rates if you are currently getting a multi-policy discount.

Getting the Coverage You Need-

While adding a new teen driver to your auto insurance policy can raise your rates, there are ways to save without sacrificing coverage. Let us help you design an affordable, dependable policy that fits your family’s needs and pocketbook.

Contact us today.

www.MassAutoQuote.com

We’re on your side.

Real-Time Massachusetts Auto Insurance Quotes!

Now we offer “real-time” MA auto insurance rates with two of our companies, Safety Insurance and Vermont Mutual Insurance!

surprise! real time MA insurance rates

Did you know MassAutoQuote.com offers Real-Time Massachusetts auto insurance quotes?

Real-Time quotes were, once upon a time, a thing of science fiction to the Massachusetts independent insurance agent landscape.

Now, with the assist from comparative rating vendor, Boston Software, we offer “real-time” MA auto insurance rates with two of our companies, Safety Insurance and Vermont Mutual Insurance!

Keep in mind, however, if our system shows you a rate, this is not the final premium offer.

Often, there are large, additional discounts available and insurance programs designed to save you money.

We also have numerous other auto insurance companies that we utilize to shop your insurance.

Simply submit a MA auto insurance quote to us and we will show you the best rates and different coverage options.

Call, click, or stop by.

MA Auto Accident Surcharge Appeal

Is something nipping at you?
Is it a Massachusetts At-fault Accident Surcharge Notice?

Massachusetts At Fault Accident

Is something nipping at you?

Have you been found “at-fault” in a Massachusetts accident?

Have you received the surcharge notice?

If so, this means your insurance company paid out over $500 and have determined you to be more than 50% at-fault.

If you believe you were less than 50% at-fault, Massautoquote believes you should appeal the surcharge.

When determining fault in an accident, unlike the insurance companies, the Board of Appeals takes into consideration contributing factors; such as: road condition (icy, wet, snow-covered), visibility, erratic driving, etc.

The cost to appeal the surcharge is $50 and the Massachusetts Board of Appeal tells us it is taking about 8 months before your receive your hearing date.

You can appeal a surcharge either: in person, by written statement, or by selecting someone to appear on your behalf.

Hearings are scheduled in:  Boston, Brockton, Peabody, Plymouth, Somerville, Springfield, Waltham, or Worcester.

Mass.gov Board of Appeal Contact information

http://www.mass.gov/ocabr/consumer/insurance/auto-insurance/appeal-license-revocation/board-of-appeal-contacts.html

Board of Appeal
Division of Insurance
1000 Washington St, Suite 810
Boston, MA 02118-6200
Phone (617) 521-7478
Fax (617) 521-7772
Email: BOA Mailbox


Merit Rating Board
P.O. Box 55889
Boston, MA 02205-5889
Phone: (617) 351-4400

Moving to Massachusetts?

Moving to Massachusetts?

Trying to figure out the best way to register and insure your vehicle?

We can help …

Moving to MA

Moving to Massachusetts?

Trying to figure out the best way to register and insure your vehicle?

We can help.

Massautoquote.com has been giving out free, no-obligation, online MA auto insurance quotes since 1999.

By getting a MA auto insurance quote from us, you utilize the shopping power of the Massachusetts independent insurance agent.

How to get your Massachusetts license plates –

In Massachusetts insurance and registration go “hand-in-hand.”

You can’t have one without the other.

Once you have found the auto insurance coverage and premium you are comfortable with, will put together a Registry of Motor Vehicles Form 1 with an insurance stamp.

Massachusetts is a “Title state,” in order to get new MA plates you have to turn in your prior, out-of-state title, and get a new MA title.

Your MA driving record is determined by things such as:  years licensed, at-fault accidents, violations, citations, and suspensions.

Remember:  You must obtain annual vehicle inspection sticker within seven (7) days of your vehicle’s registration date.

Call or click us to get your free, no-obligation Massachusetts Auto Insurance Quote.

Massachusetts Auto Insurance Flashback: 2008

“For now, it is up to the Independent Insurance Agent, to get the best rates for our clients, to package policies and to round accounts. It is time to save our clients money. It is time to advise and to advocate. It is time to demonstrate our value …”

We published the following article on April 21, 2008 and find it worth a re-print.

Geico entered the Massachusetts auto insurance market in May of 2009. They spent a billion dollars on advertising in 2013 and they are a marketing force.

However, five years after their Massachusetts auto insurance market launch, this independent insurance agent’s fear of the little green lizard is gone.

We compete against them and we’ve taken business from them.

Six year after the article, our belief still rings true:

“For now, it is up to the Independent Insurance Agent, to get the best rates for our clients, to package policies and to round accounts. It is time to save our clients money. It is time to advise and to advocate. It is time to demonstrate our value.”

MA Auto Insurance Flashback

Ma Auto Insurance & the little, green lizard

Boston, MA – 4/21/2008

Never in the history of the Massachusetts Professional, Independent Insurance Agent community, have five letters been so feared.

Not, “t-h-e-f-t.”

Not, “f-r-a-u-d.”

And no, not, “c-l-a-i-m.”

I am talking about “G-E-I-C-O.”

Not since my childhood Godzilla days, have I been so scared of a lizard.

For years they have advertised in our proud, Commonwealth and for years I have smugly told customers, “GEICO? They don’t even write insurance in Massachusetts!”

Nationally they don’t use Independent Agents, either.

They use call centers and service centers and they don’t write home insurance.

When you work with an Independent, Professional Insurance Agent you are working with someone who who has your best interest in mind. You are working with someone who will shop your insurance with many different companies to get you the best rate. You are working with someone who is your advocate at claim time. Who, at GEICO, works as your advocate? Who, at GEICO, sells multi-lines of insurance and shops your insurances with many different companies?

Like the chilly winds of our Massachusetts’ autums, it seems inevitable that GEICO is coming. When? I don’t know. 2009? 2010 at the latest, is my guess.

For now, it is up to the Independent Insurance Agent, to get the best rates for our clients, to package policies and to round accounts. It is time to save our clients money. It is time to advise and to advocate. It is time to demonstrate our value.