Uncategorized

Office Closed 2/8/2016

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.

Direct Claim Numbers and Websites

Be smart, be safe and please check on your elderly neighbors to make sure they are doing ok.

Thank you,

Steve Murphy

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.

Thanks,
Steve

Offices closed February 2, 2015

We have decided to close all our office locations today due the weather.

Be careful out there please. And also please check on any elderly neighbors or relatives. Don’t assume they’re fine. They will be thankful for you caring about them and if they’re mad just blame your pesky insurance agent.

Thanks,
Steve

Blizzard tips? I don’t think so.

20130207-210153.jpg

I was reading all the tips and suggestions from our insurance companies giving advice on what to do in case of a blizzard. Seems to me the simple answer is just don’t go out! Buy your milk and bread ahead of time. When did this become America’s staple emergency food? I never understood that. Anyway, I digress.

If you have a generator, make sure you have extra gas on hand. Prepare for losing power. Have candles on hand, batteries for your flashlight, charge all those foolish electronic devices — we have like 20 in our house & board games for the family or even better have fun neighbors that know how to pass 15 hours of no power.

One thing I am serious about is please check on any elderly neighbors or friends. Call your mother. Don’t assume they are ok. These storms can be frightening to them.

I will post a update on our office hours tomorrow morning.

Enjoy the quiet for tonight.

Steve

Funny Insurance Claims

This is a collection of actual statements from insurance claim forms submitted to various insurance companies. I can proudly say none of the these statements were from our customers. Well they could be, but I wouldn’t know it. So I am going with they are not from our customers. Enjoy…

  • “The indirect cause of the accident was a little guy in a small car with a big mouth.”
  • “The guy was all over the road. I had to swerve a number of times before I hit him.”
  • “The car in front hit the pedestrian but he got up so I hit him again.”
  • “I knew the dog was possessive about the car, but I would not have asked her to drive if I had thought there was any risk.”
  • “The pedestrian ran for the pavement, but I got him.”
  • “I saw a slow moving, sad faced old gentleman as he bounced off the roof of my car.”

Patriots Day

All 3 Hannon-Ryan locations (Pembroke, Plymouth & Osterville – Goodspeed) will be closed on Monday to celebrate Patriots Day. Our Plymouth office will also be closed this Saturday while Pembroke will be open from 9am to 1pm.

Have a safe & happy holiday..Go Bruins & Celtics!