Auto Insurance is a contract between an individual (the policyholder) and an insurance company. It provides financial protection and coverage in case of accidents, damage, theft, or other events related to the insured vehicle. The primary purpose of auto insurance is to help the policyholder mitigate the financial consequences that can arise from unexpected situations involving their vehicle.
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Insuring Your Classic Car
For owners of classic, custom, collectible, or antique cars, standard auto insurance may not provide adequate protection. Specialized coverage tailored to the unique value and usage of these vehicles is essential to ensure comprehensive protection against damage or loss.
Personal Auto Insurance COVID-19 Premium Return
Insurance companies seek DOI approval for auto premium credits/refunds due to reduced usage during COVID-19. Policyholders await carrier details post-approval. Insurers also offer payment flexibility to aid financially strained individuals; assistance is accessible through the insurance company or Murphy Insurance Agency.
Auto Insurance Issues Created by COVID-19 Crisis: Deliveries & Students Home Early
COVID-19’s impact on daily life raises auto insurance concerns. Delivery work requires policy updates for “business use.” College students returning home may need garaging location adjustments or driver re-inclusion. Contact us promptly for necessary policy changes to ensure proper coverage during these uncertain times.
New Massachusetts Hands-Free Cell Phone Driving Law: What You Need to Know
To curb distracted driving and enhance safety, the new law, “An Act Requiring the Hands-Free Use of Mobile Telephones While Driving,” prohibits handheld cellphone and electronic device use while driving, effective February 23, 2020. It’s essential to prepare and adjust habits.
5 Tips for Disaster-Free Festivities
As the holiday season approaches, the Insurance Information Institute urges prioritizing family, friends, and festivities while remaining vigilant against potential hazards like fire, theft, accidents, and other mishaps. By following five key safety tips, including fire prevention measures, identity protection, home security strategies, responsible party hosting, and safe driving practices—especially in winter conditions—we can ensure a joyful and secure celebration for all.
Safe Travels on Thanksgiving
As Thanksgiving approaches, remember that road safety is paramount during this busy travel period. Take precautions such as checking tire pressure, buckling up, leaving early, obeying speed limits, avoiding distractions, and never driving under the influence to ensure a safe and enjoyable holiday journey.
Deer Collision Risk Peaks in November and December
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.
Motorcycles: Properly Insuring Your Bike
Prepare for motorcycle season with comprehensive coverage. Ensure your policy includes protection for custom bike equipment, gear, and injuries, including coverage for bodily injury to guests and yourself by uninsured or underinsured motorists.
Top 10 Most Frequently Stolen Vehicles 2017
In 2017, the Honda Civic ranked as the most stolen passenger vehicle, tallying 45,062 thefts across all model years, per the NICB. The majority of these thefts targeted older models lacking modern anti-theft technology.