Frequently Asked Questions
We specialize in insurance – if you don’t see your question below, simply send us an email.
How can I reduce my insurance payments?
We love this question because that’s what we do as an independent agency – we look for the best price. You might have coverage you no longer need – or maybe you are eligible for discounts. Both current customers and new are welcome to call our office at 781-293-6376 and we will see how can help.
Why do I need to buy insurance?
Insurance has may benefits.
- Provides financial security for your family in the event of your death.
- Provides for the health care of you and your family through systematic payments.
- Allows you to remain financially solvent when you’re ill and can’t work.
- Protects your assets against attachment as a result of a court award.
- Provides for cost of defense when you are sued.
- Allows you to purchase high value items as a car or a home by insuring them on behalf of the financial institution that lent you the money.
- Allows you to save for retirement while deferring interest payments to a time when your income is lower, thus reducing your tax payments.
What factors affect the insurance premiums I pay?
Many policies fees are adjusted due to claims activity, including costs that come up as a result of the claim such as medical care, auto body repair, construction, legal defense, jury awards, claims adjustment, and insurance fraud.
As an independent insurance agent, we will shop around and find you the best price for your coverage.
Auto Insurance FAQS
What Registry services do you have?
We are authorized to handle the following Massachusetts services:
Issue vehicle plates
Registration plate stickers
Looking for something else? Call us to see if we can help. 781-293-6376
Does where I live make a difference?
Yes it does.
Where you keep your car directly affects your chances of having an accident or becoming a victim of theft or vandalism. The likelihood of encountering these problems increases in larger, more densely populated cities, while such incidents remain relatively low in rural areas.
Additionally, the time and efficiency of police response and law enforcement, local road and traffic conditions, and the quality of local medical services can affect regional insurance rates. Some insurers even factor in the litigation rates in a given area (how many lawsuits are filed, go to trial, out of court settlements, and their amounts).
Am I covered for natural disasters?
Comprehensive insurance, which covers you for fire and theft, generally covers you against damage by flood, earthquake, hail, and other natural perils, except when your car is overturned (which is technically considered a collision). If you have specific concerns about the safety of your vehicle in natural disasters, contact us for information on catastrophic coverage.
Can my insurance be cancelled?
To keep your insurance in tact, we suggest you pay your premiums on time and also maintain a clean driving record. If you’ve been in an accident, consider taking a defensive driving course to minimize the number of accidents.
Can I loan my car to someone and be insured?
Yes. Liability and coverage for physical damage (i.e. Comprehensive and Collision) always follow your car. Plus, if the driver of your car is insured, his/her policy will also be available to cover the cost of damages and injuries.
The same rules apply when you borrow someone’s vehicle; your own insurance follows you no matter whose car you’re driving. But the vehicle owner’s policy is the key coverage in the event of an accident.
Can I challenge my insurance company if they refuse to cover a claim?
Usually, insurers that refuse to cover a claim have a strong legal reason for doing so — even if you disagree. First, contact us if you feel you’re being treated unfairly. Your agent is your strongest advocate in insurance matters. But if it’s a legal problem, you might have to hire a lawyer.
Is liability insurance required in all states?
No. Although not every state requires Auto insurance, some have “financial responsibility” laws mandating all drivers to be able to pay for any damage or injury they might cause. However, Liability insurance is still the best way for you to meet your state’s financial responsibility requirements.
By law, all states offer UM and UIM policies, including no-fault states. In fact, some states require all motorists to carry this coverage in order to gain protection from inadequate insurance coverage of other drivers.
Do you have condo and renter's insurance?
Yes we do! Ask us for a quote.
Many condo owners and renters need insurance for their possessions and not the building. Both andlords and condo associations typically insurance the building itself and seldom cover possessions or liability. Clarify this with the landlord or home owners association.
Renters insurance is typically available for as little as $100 a year.
Who decides on the type of Homeowners insurance - the mortgage company or me?
The mortgage company collects a set amount from you each month in order to protect their investment. This money is put in escrow and covers your insurance and taxes. However, the policy is still yours and you might select the insurance you feel offers the best coverage at the best rates.
What does a Homeowners policy cover?
“Exact” coverage is impossible to define because there are different policies and about 900 insurance companies writing Property/Casualty business in the United States. However, 80% of Homeowners policies are based on a standard form. All Homeowners policies cover two important areas: Property and Liability.
Property insurance covers your structures and possessions. Personal Liability, as its name implies, means you’re legally obligated to pay money to another person for actions caused by you, your family, or your property. That liability extends to medical payments to others for injuries caused by you or your family.
Are floods, earthquakes, and other natural disasters covered?
Exclusions listed and defined in your policy might include neglect, intentional loss, “earth movement,” general power failure, and even damage caused by war. If you fail to take care of your property (e.g., a leaky roof), you might not be covered. Obviously, if you intend to lose an object or damage your property, there’s no coverage.
One other exclusion that can be costly is the Ordinance or Law exclusion. Building codes established by governmental bodies that drive up the cost of rebuilding or repairing after a loss occurs might not be covered by your insurance policy. Thus, if you discover when replacing damaged property that current law demands higher grade or more expensive materials than those you’re replacing, the new materials might not be covered fully.
I’m starting a business. Do I need insurance immediately?
Yes. Your chance of suffering a loss begins with the first day of business. If you suffer a loss and have no insurance or have improper or insufficient coverage, your insurance agent can do little, if anything, to help you.
Also, many states and local jurisdictions require businesses to have insurance to begin operating. And if you rent space for your business, your landlord probably requires you to obtain adequate insurance.
I don’t have any major business assets. Why do I need insurance?
Every business has some property. When you think about it, your business is your property. Just like your home and your car, your business needs to be protected from loss, damage, and liability. In addition, your business is your source of income, so you need protection from the potential loss of that income.
Does insurance coverage vary for different businesses?
It can. Many small businesses opt for package policies that cover the major Property and Liability exposures as well as for a loss of income. A common package policy used by many small businesses is called the Business Owners Policy (BOP).
Generally, BOPs provide more complete coverage at a lower price than separate policies for each type of insurance needed. We can help you decide which policy or policies are right for your business. You can also purchase additional coverage for perils or conditions otherwise excluded (e.g., flood protection) as endorsements to a standard policy or as a separate, second policy called a Difference in Conditions (DIC) policy.
We can advise you of the best policy (or policies) to protect you and your business.
Student / Recent Graduate Insurance
I’m a college student. Am I still covered by my parents’ policies?
It depends on the policy and its terms. For example, most Health insurance policies cover insureds’ children up to age 18, or up to 22 if the child continues as a full-time student. If you’re over 18 and not a full-time student, you’ll need your own Health insurance policy.
What kinds of risks do college students face?
College students face many new risks as they head off to school: theft of personal property, auto accidents due to driving long distances, and risks related to attending and giving parties.
How extensive are these risks?
College and university campuses aren’t immune to property crime. A 1995 FBI study reported that there were more than 100,000 property crimes on college nationwide, including burglary, theft, motor vehicle theft, and arson. Thieves took an average of $1,251 of property per offense that same year.
At least one in 10 college students revealed that they had caused an auto accident in the last two years. One in four had a speeding ticket or other moving violation. These and other offenses contribute to higher Auto insurance premiums for students.