Holiday Hours

Merry Christmas Yes I am still shopping, plenty of time left. Right? There is still more time isn’t there?

With that we will be closing early on Christmas Eve so I can finish my shopping (and to give our employees a chance to spend more time with heir families;) ).

Dec 24th 9am-12pm
Dec 25th closed
Dec 26th closed

Dec 31st 9am-3pm
Jan 1 closed

Have a safe and Merry Christmas!

And should you be so unfortunate to have a claim during the holiday while we are closed feel free to check out our company direct claim numbers.



IF we get winter…

Challenge AcceptedIf 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.

Follow the link here to the Mapfre microsite.

Enjoy the warm weather today and stop procrastinating on your X-Mas list, you’re running out of time!



Oh it’s deer season…

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.

Post Turkey Day Hours

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.

  • Pembroke Office – Open (9AM-5PM)
  • Plymouth Office – Closed
  • Osterville Office – Closed

Have a lovely day!


Deadly Left Hand Turns

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.

Left Hand Turns Infographic.

Bottom line, just be careful and drive safely. Winter is on the way and with it comes slippery driving conditions. Stay tuned for next weeks post with my oldest daughter getting her permit! NOOOOOO!!!

Be safe and have a lovely weekend. Looks like we have a great day for the Thanksgiving Day Parade in Plymouth Saturday morning.


IRS Scam Info


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.

Enjoy this beautiful fall day!




Summer Office Hours

Even though it is 65 degrees and pouring right now it is summer. At least I think it is. Well, the calendar says it is so we’ll go with that.

As part of our summer hours we close our Pembroke and Plymouth offices on Saturday for July and August. Here is a summary of our office hours…

Mon-Fri 9:00 am – 5:00 pm
Wed 9:00 am – 7:00 pm

Mon-Fri 9:00 am – 5:00 pm

Mon-Fri 8:30 am – 4:30 pm

I hope everyone has a safe and happy summer (warm sunshine would be nice as well ;) )

Steve Murphy

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!



Grand Ol Fish Fry, Sunday May 3rd!

It’s that time of year so hopefully this means spring is really here. Hey I didn’t know I could rhyme! Anyway, if you’ve never been to the fish fry bring the entire family. Plenty of great food, music and gambling (relax, it’s only rubber duck races;) ).

Grand Ol Fish Fry coming soon in Pembroke.

Have a great weekend!

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.