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 […]Read More
Category: Auto Insurance
How Does Your Credit Score Affect Your Insurance Premium?
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 […]Read More
Top 10 Reasons to Purchase the Rental Car Damage Waiver
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, […]Read More
Does Your Business Need Hired and Non-Owned Auto Insurance?
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 […]Read More
8 Safety Tips for Driving in the Snow.
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 […]Read More
Motorcycle Winter Storage Tips
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 […]Read More
What Does an Insurance Claims Adjuster Do?
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 […]Read More
Is Vehicle Damage From Rodents Covered by Personal Auto Insurance?
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 […]Read More
Insurance terms, explained
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 […]Read More
Now Is the Time to Prepare for Winter Driving
The winter months in Maine can be tough. Driving in snow, sleet, freezing rain and ice becomes something of the norm. These conditions increase risk of fatal car crashes by 34 percent. It usually takes a few storms before you can comfortably get your bearings back when on the road. Why not take a look […]Read More