Have you seen a vehicle driving down the road with a lot of snow on the roof that can blow off in big chunks? Have you seen people driving looking through a frost “peephole” on the windshield? If you have ever done either, you could face consequences for your actions.

Laws vary from state to state that regulate safe driving, and you could be fined, so it’s essential to be aware. In New Hampshire, you could be fined $250 to $500 for not clearing snow and ice off your roof, with higher fines for second offenses. Although Massachusetts doesn’t have a specific law for snow on roofs, M.G.L. Chapter 90, Sec 13, “Safety precautions for proper operation and parking of vehicles,” prohibits anything on or in a vehicle that interferes with the proper operation. Snow or ice on the car’s windows fits this definition.

When it’s brutally cold, it can be tempting only to scrape the “necessary” portions of your car to drive. However, failing to clear off your vehicle fully can have dangerous or deadly consequences for yourself and others on the road. Beyond the risks to yourself, you can be held legally responsible if others are harmed due to your failure to take proper precautions. Keep this in mind the next time you’re tempted to do a quick brush and go. The extra few minutes it takes to clear your car will keep you and others safer in already challenging conditions.

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Auto Insurance in Hudson MA

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Pests can cause structural damage, contaminate food, and pose health risks, making proactive prevention essential since home insurance doesn’t cover pest-related damage. Key prevention tips include proper food storage, maintaining outdoor vegetation, regular home inspections, and keeping living spaces clean to minimize pest attraction. For persistent issues, professional pest control may be necessary, and Murphy Insurance is available to provide guidance on home protection and insurance coverage.
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Hot tubs offer relaxation but come with safety and liability risks, including potential injuries, health concerns, and insurance coverage gaps. Key precautions include supervising children, maintaining proper water chemistry, setting safe temperature limits, and enforcing responsible usage to prevent accidents. Homeowners should review their insurance policies and consider additional coverage, such as a personal umbrella policy, to ensure financial protection while enjoying their hot tub safely.
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Common Auto Insurance Terms

Auto insurance can be confusing at times. Policies often contain a variety of terms that can be difficult to understand, especially for someone without a background in insurance. The following is a list of common auto insurance terms to keep in mind the next time you meet with your insurance broker.

Visit Our Auto Insurance Page

Auto Insurance

At Murphy Insurance, we are here to assist you in obtaining the appropriate auto insurance. Choosing the appropriate auto insurance coverage can be overwhelming. Every insurance company has its unique offerings, making it challenging to compare options effectively. That’s where we shine. We simplify the process by helping you evaluate provider and policy choices, seek out discounts, and optimize your car insurance within your budget constraints. Ultimately, our goal is to provide you with peace of mind, knowing that you and your loved ones are well-protected.