Due to the snowstorm our offices will be closed Monday February 8th. We will open on Tuesday at our regular business hours.
While we do make every effort to be here for our customer during these situations we also have to take into consideration the safety of our employees. If you happen to have an auto accident or suffer any damage from this storm you can call your insurance company directly to report the damage.
I know hoverboards and insurance fun don’t go together (ok, insurance and fun probably don’t go together either), but hoverboards, fire and broken bones do. I don’t want to get too in-depth with this conversation, but have you ever wondered if hoverboards are covered by insurance?
There are several different versions of homeowner’s insurance policies and insurance companies will add endorsements and exclusions to those different versions so please understand this is broad and simplified discussion. Always consult your insurance policy for actual coverage and exclusions.
Here are some scenarios to think about…
Your hoverboard spontaneously caught fire and burned down your house. Will your homeowner’s insurance policy pay to rebuild your home???? The good news is yes. Your insurance company will then subrogate against the manufacturer to recover it’s damages.
The hoverboard itself will more than likely not be covered as personal property because it could be considered a “motor vehicle”, which is excluded on your homeowner’s insurance policy.
Your son crashes into an elderly woman at the mall with his hoverboard and she suffers numerous injuries. NO COVERAGE. This is a scary one because not only will the woman’s medical bills not be covered, but neither will you as the homeowner have any defense coverage when you are sued. There is a potential to have this covered if the injury occurred at an “insured premises” (so basically at your home).
Just some food for thought as you enjoy the compilation video above of people taking spills on hoverboards.
Stay safe and have a Happy New Year. BTW we are closing at 3pm on New Year’s Eve.
If and when (come on, you know it’s coming!) winter does finally arrive here in New England I thought I would share some tips provided by Mapfre Insurance. In case you haven’t noticed the change, Mapfre Insurance is the former Commerce Insurance.
The website has some good information on ice dams, frozen pipes & driving tips. Although the driving tips are common sense its still good to give it some consideration. Ice dams were brutal last year and deserve all the media attention they have received.
While driving on Route 3A about 7am last Saturday a deer jumped out of the woods directly in front of me. Fortunately for both of us I only managed to hit his backside and hooves. He never skipped a beat and ran off into the woods.
I’m not a hunter, but for the estimated 85,000-95,000 deer in the state, watch out! They seem to be most active around dusk and dawn so please be careful driving. I barely hit the deer and the estimated cost to repair my front-end was $3,000.
Did you know striking an animal falls under the comprehensive part of your auto insurance policy and not collision? Also it won’t affect your safe driver rating points.
Comprehensive coverage tends to be much less expensive than collision coverage. We usually recommend comprehensive coverage even for an older car because it will pay for a new windshield with no deductible, cover you for theft, flood and yes, even….hitting a deer!
The moral of the story? Buy comprehensive coverage for your car, drive carefully and lookout for deer. Thank goodness it wasn’t a reindeer. My kids would never have let me live that one down.
The above is meant as general information and as general policy descriptions to help you understand the different types of coverages available to you. Always consult your policy for actual coverages and exclusions.
I hope you all had a great Thanksgiving yesterday. And while some people today find themselves golfing ;), shopping, relaxing, cleaning, others are working. Here are our office hours for Friday November 27, 2015.
I was surprised to see just how bad left hand turn accidents can be. Being from Massachusetts we all assume the other person will slow down because, well duh, you can see me! After reviewing these statistics you will see that not only are these accidents deadly, but they also occur at a greater frequency.
IRS scams are one of the fastest growing crimes in the United States. I received a phone call last week from someone claiming to be from the IRS. It was kind of funny as they mangled different corporate names we have, but it is no laughing matter if you are one of the unfortunate victims to these low-life scammers.
They typically use threats of police arrest and jail to intimidate victims into paying up fast – usually by money transfer or prepaid cards.
One important thing to remember is the IRS does not use the phone or even email to notify people if they owe taxes – and they do not request money-wire transfers or debit cards for payment.
For more information on these recent IRS scam alerts click here for the IRS consumer alert.
You might recall that on April 7, 2015 the Massachusetts Legislature passed a law that required drivers to have their lights on if your windshield wipers are on. That law also included a surcharge on your insurance if you were cited for violated the new law. That part of the law has been removed!
YAY! They got something right.
It has been raining all day today so make sure your lights are on or you will still have to pony up the $5 citation. Hmm I wonder if that will be going up anytime soon???