Insurance News

Watch those Surcharges!

In a recent Boston Globe article they wrote of some insurance companies charging a surcharge to a customer that shouldn’t have received one. In 2015 the Mass legislature approved higher thresholds for surcharges resulting from an auto accident.

If you get into a fender bender and cause $900 worth of damage you should not have a surcharge on your auto policy.  If you do, appeal it! The new limit is anything under $1000 should not be a surcharge on your auto insurance.

Two of the companies still using the unfair lower thresholds are Geico and Liberty Mutual.

Here is the article, which explains everything in greater detail.

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.


Disappearing Deductible???

A disappearing deductible is a relatively new concept in insurance. So what is it exactly? Glad you asked. For every year you have a clean year of driving your insurance company may add a $50 credit towards your deductible. you would need collision or limited collision to qualify for this credit.

Mapfre Insurance offers this credit up to a total of $300.  If you got into an accident and had a $500 deductible you would only have to pay $200 for your deductible. The credit then goes away until you have another incident free year of driving accumulating $50 a year.

Not all insurance companies offer this and some companies actually charge for it. With Mapfre Insurance this is a free benefit.

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.

Insurance for Pat’s Fans!


There’s a new auto insurance program just for Patriots fans! From rare behind the scene tours of Gillette Stadium to online discounts at the Patriots ProShop, you’ll get closer to the Patriots than ever before! To learn more about this exciting new program, or to get a free quote, email  or call our agency at 781-293-5500 or 508-746-0030.


Hoverboards & Insurance fun!

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.


Windshield Wiper Law Update

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???

Be safe and have a lovely day!



Accident Forgiveness is worth it!

Mapfre-Commerce recently dropped the cost of adding Accident Forgiveness coverage to your policy to 5% of your premium. Hopefully you’re asking yourself “What is Accident Forgiveness Steve, and why is it important to me?” and not “when will you correctly learn where to place a comma?!”.

I had an accident about 7 years ago. I hit a neighbor’s rock (don’t ask!) and caused $2,200 worth of damage to my car. Yes, I said $2,200! Ugh anyway, my insurance went up $468 that first year as a result of my accident. And I had to live with that surcharge for 6 years (although it did go down each year).

The answer to that problem, Accident Forgiveness. For 5% of your policy premium Mapfre-Commerce will waive the premium surcharge if you have an at-fault accident. There are several other items to discuss with this coverage, but that’s what we are here for so call our office today to add this great coverage.

If you want find out more follow this link to Mapfre-Commerce.

Happy Opening Day, Go Sox!


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.

New Dead Battery Law? 04/07/15

Well, it’s not called the dead battery law, but that’s what you’ll want to call it when you leave your lights on due to new law that takes effect April 7, 2015.

The new Massachusetts law (Chapter 481 of the Acts of 2014) now requires motorists to turn on their headlights when “when the vehicle’s windshield wipers are needed.”  Mass. General Laws Chapter 85 section 15 also states that headlights should be in use for a half hour before sunrise and sunset or when visibility is under 500 feet.

Here is the kicker for your insurance….If cited you will also receive a surcharge on your auto insurance policy. That will no doubt be significantly more expensive than the $5 violation. So lights on Massachusetts, but don’t forget to turn them off when you shut off your car or you’ll be cursing the dead battery law.

Have a lovely day!

Steve Murphy

Preparing for Hurricane Sandy

Hurricane Sandy is fast approaching the East Coast and while its path appears to hitting the New Jersey shore the effects will still impact New England this Monday, the 29th of October. While we all are keeping our fingers crossed that it will weaken and just go away, there are steps you should take now to be prepared.  Here are a few resources we’ve put together to help you with some timely information and tips, should you experience a loss.   Click any of the following three links to download and view the respective PDF format document:

Direct Claim Phone Numbers

Hurricane Preparation Tips

Restoration Companies




Top Ten Flood Insurance Facts

I bet when you woke up this morning you rolled out of bed and sat silently pondering the intricacies of flood insurance. Okay, maybe you have never thought of flood insurance in your life. No one cares about flood insurance until you suffer a loss cause by a flood. Did you know coverage for flood insurance is excluded on virtually every insurance policy known to man except….wait for it….Auto Insurance?. I bet you would never have guessed that one.

Back to my point. There is a wonderful website developed by FEMA called There is a treasure trove of information about flood insurance. I wanted to call to you attention a brief flyer they created called the Ten Flood Insurance Facts. It is easy to read and gives you a basic understanding of flood insurance.

That’s it for today. If there is ever anything you would like to see posted or had questions on feel free to email me at Have a nice weekend and don’t forget to go shopping for Mother’s Day next week.

Thank You,
Steve Murphy

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.


Mass Distracted Driving Law

The Massachusetts’ ban on text messaging has been in full effect now for a while, but I thought I would post a quick summary of the law for your reading pleasure.

The law prohibits all drivers from texting while behind the wheel and bans use of all cell phones by drivers who are 16 and 17 years old. The young drivers are barred from using a variety of devices (TVs, video, PCs) under the heading “mobile electronic devices.”

The fines for adults are $100 (first offense), then $250 and $500.

Fines for drivers under 18 are $100 plus 60-day license suspension and youth traffic school (first offense), then $250 with six-month suspension and then $500 with a one-year suspension.

If you do get a ticket the good news is that it will not affect your insurance premiums as they are not considered moving violations. However, enforcement is “primary,” meaning police can stop and cite texting motorists for that reason alone. So be safe and DON’T text!