Real Life Story - The Meaning of Being Underinsured

Posted on Thu, Dec 13, 2018

As insurance professionals, it is our job to encourage clients to carry adequate insurance, and to guard against being under-insured.   

Here is a real-life story we felt was worth sharing.  It is a story of why price does matter and how a young family learned this lesson.  It's reprinted with permission.

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Tags: home insurance, Massachusetts car insurance, Car seat

Massachusetts Auto Insurance and Uber Insurance

Posted on Tue, Jul 17, 2018

It seems more and more Massachusetts drivers are taking up working for TNC companies such as Uber and Lyft.  Many ask the following question:  Does my Massachusetts Car insurance cover me while I drive for Uber or Lyft?  

Does my car insurance cover me while I drive for Uber?

The quick answer is "Not always".  A Massachusetts Auto Insurance policy is a Personal policy.  It is not intended to support activities for public or livery conveyance.  The TNC company will tell you that they offer insurance to it's drivers, however, there are gaps between your Massachusetts car insurance policy and the TNC company insurance policy where you will not be protected against losses.   The largest area of concern is that time when you have your App turned on, but you have not yet picked up a passenger.  

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Tags: Massachusetts car insurance

MAPFRE Offers Limited Insurance for Uber Drivers

Posted on Tue, May 09, 2017

As of May 1st, MAPFRE has made available an endorsement to the Massachusetts Private Passenger Insurance Policy which can add back some coverage for previously excluded Transportation Network Drivers (TNC) such as Uber, Lyft, and others.  

The endorsement, called "Limited Transportation Network Company (TNC) Driver Coverage" is one step in helping to bridge the gap for TNC drivers such as UBER drivers in Massachusetts.

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Tags: Massachusetts car insurance, TNC

Car Buyers Should Consider the Cost of Car Insurance

Posted on Fri, Apr 21, 2017

When shopping for a car, the buyer may have questions about the cost to insure a new car as well as the cost to insure one make and model versus another.  Know what affects the cost of insurance from one car to another.   

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Tags: car insurance, Massachusetts car insurance

My Car Insurance Premiums Don't Go Down Every Year - Why Not?

Posted on Tue, Oct 18, 2016

We get this question often, “My car is older, and I have no accidents, why didn’t my car insurance go down?”

Unfortunately, it’s not quite that simple.  There are many factors that go in to determining the cost of any particular car insurance policy, but in each and every instance, the rates have a major influence on how much we all pay for car insurance.  Very often, from one year to the next, there will be a rate increase.  Auto Insurance companies doing business in Massachusetts must petition the Massachusetts Division of Insurance before rate hikes may be approved. 

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Tags: Massachusetts car insurance

The Insurance Company's Mobile App - 5 Things you can do

Posted on Fri, Apr 01, 2016

Mobile Apps make it simple for smartphone users to connect with people and businesses that we care about.  Did you know that many insurance companies have their own mobile app? 

What can you do with a mobile app from your insurance company? 

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Tags: car insurance, Massachusetts car insurance

The importance of purchasing uninsured and underinsured motorists coverage

Posted on Fri, Apr 11, 2014

Massachusetts Car Insurance - Do you need uninsured/underinsured coverage?

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Tags: Massachusetts car insurance