In most states, drivers are required to carry personal liability auto insurance. This covers your financial responsibility if you injure someone or damage their property while operating your vehicle. But what if the accident is caused by a trailer you are towing? Your personal auto policy may insure your liability for damage or injury to […]
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There are three primary components of auto insurance. Depending on where you live, some may be mandatory and others may be optional. Liability — Pays expenses related to bodily injury to another person or property damage caused by your vehicle Comprehensive — Reimburses any damage or replacement required for your own vehicle due to incidents […]
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Have you heard that your credit score can affect how much you pay for insurance? As a consumer, you probably know everyone has a financial credit score — three of them, in fact — maintained by three major credit reporting agencies: Equifax, Experian and TransUnion. These firms compile information from financial institutions and retailers including […]
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To paraphrase Shakespeare, “To purchase the CDW or not to purchase the CDW, that is the question.” It has been debated for years whether or not a person renting a vehicle should purchase the Collision (or Loss) Damage Waiver (CDW/LDW) from the rental company. Our recommendation is that consumers, in general, SHOULD purchase the CDW/LDW, […]
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Do your employees use their personal vehicles to conduct routine work-related tasks? Maybe they use their vehicle to attend client meetings or business trade shows, or to pick up office supplies. Even if your employee has their own auto insurance policy, you may still be open to risk. But how? Most businesses purchase commercial auto […]
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Before winter descends on New England once again, take this quick refresher course on safe winter driving. Tip #1: Slow down. The #1 tip for driving in snow is also the most obvious: Reduce your speed. Most winter crashes are caused by drivers going too fast for the road conditions. Tip #2: Allow more room […]
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If you live in a climate with snowy winters, you’ll most likely be putting your motorcycle away for the season. Your bike is an investment of your finances and your time, and it’s important to think about keeping it clean and safe while the weather is cold and snowy. When you prepare your motorcycle for […]
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A claims adjuster (also known as an insurance adjuster) investigates and determines how much your insurance company should pay you when you make a claim for damage or losses. A property and casualty adjuster investigates automobile, business and home claims. Claims adjusters may handle property claims involving damage to vehicles or structures, or liability claims […]
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Many people get auto insurance for protection against collision losses. What many drivers don’t know is that a policy written for collision doesn’t necessarily cover damage from animals and other non-collision incidents, such as vandalism, earthquakes, floods and even objects falling from space. For those, you need comprehensive coverage, or “other-than-collision” insurance. Rodent damage typically […]
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Med Pay? PIP? Dec pages? Insurance terms, explained With all kinds of different coverages for all kinds of different needs, insurance can be very confusing. And to make it even more challenging, at times it probably seems like insurance websites and policy documents are written in a completely foreign language. Of course, that’s why we […]
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