If my car gets hit and I don’t have collision coverage, can Murphy Insurance help? | Auto FAQ

Yes. This is called a “third-party” claim. While other agents may provide some general advice, they won’t help process the paperwork unless you have collision coverage. At Murphy Insurance, we recognize that paying for collision coverage on an older vehicle may not make financial sense. We respect the decision to eliminate coverage to repair or replace your vehicle if you are responsible for an accident. However, you can still make a claim if another person hits your car and they are found to be at fault. At Murphy Insurance, we’re glad to help by providing guidance and helping you process the paperwork regardless of whether or not you have collision coverage. Our Client Support professionals are ready to assist you if you have a claim situation.

Increase to Accident Surcharge Thresholds Limits Effective July 1, 2015

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10 Tips for What to Do at an Accident Scene

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In the event of an accident, staying calm is essential for managing the situation effectively. Remember to prioritize safety by checking for injuries, calling the police, and exchanging necessary information with the other driver, while also documenting the scene and contacting your insurance provider promptly to initiate the claims process and ensure assistance during this stressful time.

Deer Collision Risk Peaks in November and December

October 15, 2019

Encountering a deer on the road can evoke the "deer in the headlights" moment, highlighting the abruptness of the situation. With collisions being more prevalent from October to December due to increased deer activity, cautious driving is paramount to avoid accidents.

Top 10 Small Business Property and Liability Insurance Claims

April 24, 2019

Small businesses are significantly likely to face property or liability claims, with burglary and theft ranking as the most common, while reputational harm emerges as the costliest. To mitigate risks, business owners can implement preventive measures tailored to each potential claim scenario, ensuring comprehensive protection.

Thanks and Please Be Safe In the Kitchen & On the Road

November 20, 2017

During this season of gratitude, we extend our heartfelt appreciation to everyone who has contributed to our continued success. We're especially grateful to our customers for entrusting Murphy Insurance Agency with the responsibility of serving you, and we remain dedicated to safeguarding your family, business, and valued possessions.

Why You Need Uninsured Motorists Coverage

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When purchasing automobile insurance, being well-informed is essential for making intelligent decisions due to the various factors involved. One critical decision is whether to invest in uninsured motorists (UM) and underinsured motorists (UIM) coverage.

Reduce Your Exposure to Intersection Auto Accidents

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Automobile crashes causing injuries and property damage are most prevalent in urban areas, with one study finding that 81 percent of crashes happen in cities. Additionally, approximately 43 percent of auto accidents are linked to intersections, as highlighted by another study.

Increase to Accident Surcharge Thresholds Limits Effective July 1, 2015

July 17, 2015

Governor Baker's signing of the Massachusetts 2016 State Budget on July 17, 2015, led to increased minor and major thresholds for surchargeable accidents, offering potential savings for drivers in the state who may be involved in at-fault accidents.

Massachusetts Senate Attempts to Increase Accident Surcharge Threshold Limits

June 4, 2015

The Massachusetts Senate has successfully incorporated an amendment into the 2016 State Budget, aiming to raise the Property Damage Threshold for both Minor and Major accidents. The proposed thresholds would increase to $1,001 for Minor Accidents and $5,001 for Major Accidents, potentially benefiting Massachusetts drivers by impacting surcharge points added to driving records, which can influence insurance premiums following at-fault accidents.

Gender Related to Type of Car Crash

September 15, 2014

The fear of experiencing a car accident is universal, heightened particularly for parents of teenage drivers as they navigate their child's initial ventures on the road. The specter of a collision looms heavily, casting a shadow over the anticipation of a teen's newfound driving privileges.

Don’t Risk a Lot For a Little

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Severe accidents underscore the unpredictability of life's uncertainties. Murphy Insurance prioritizes your protection, urging our clients to secure comprehensive bodily injury coverage against financial risks. Connect with us today for personalized insurance solutions.

Five Insurance Lessons from ‘The Town’

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Watching "The Town" might not immediately bring insurance to mind, but amidst the action-packed scenes, there are valuable lessons to learn. From ensuring higher Uninsured and Underinsured limits on your car insurance to the importance of timely life insurance, the movie underscores the need for comprehensive protection in the face of unexpected catastrophes.

If my car gets hit and I don’t have collision coverage, can Murphy Insurance help? | Auto FAQ

Learn about our Auto Insurance Policies

Read our Auto Collision Blog Posts

Gap Insurance

10 Tips for What to Do at an Accident Scene

Deer Collision Risk Peaks in November and December

Top 10 Small Business Property and Liability Insurance Claims

Thanks and Please Be Safe In the Kitchen & On the Road

Why You Need Uninsured Motorists Coverage

Reduce Your Exposure to Intersection Auto Accidents

Increase to Accident Surcharge Thresholds Limits Effective July 1, 2015

Massachusetts Senate Attempts to Increase Accident Surcharge Threshold Limits

Gender Related to Type of Car Crash

Don’t Risk a Lot For a Little

Five Insurance Lessons from ‘The Town’

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