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When it's time to set the clocks forward in Spring or backward in the Fall for Daylight Savings Time, fire safety officials recommend checking that your smoke alarms and carbon monoxide detectors are in working order. Batteries don't last forever. Vacuum them to remove dust, replace batteries and test the alarms. This small effort could make all the difference in an emergency. The life expectancy of smoke alarms is generally 8-10 years, after which point their sensors can begin ...

You Could Be Held Liable If Guests Get Drunk Halloween can be a fun time of trick-or-treating, jack-o'-lanterns and costume parties, but it can also be a deadly time of increased drunk driving and could be especially worrisome this year since the celebration falls on a Saturday. Anyone hosting a Halloween party should take steps to limit their liquor liability and make sure they have the proper insurance, according to the Insurance Information Institute (I.I.I.). Social ...

A Trusted Choice® survey shows that many homeowners lack basic financial protections to withstand unexpected disasters. As disaster season peaks, a new national consumer survey commissioned by Trusted Choice® and the Independent Insurance Agents & Brokers of America (IIABA or the Big “I”), reveals that many homeowners lack adequate insurance coverage, do not fully understand their homeowners policies and do not have enough savings to support their households in the event of a disaster. The August 2016 homeowner ...

Halloween can be scary but having the right insurance coverage can take some of the fright out of the night, according to the Insurance Information Institute (I.I.I.). “If you’re worried about Halloween partyers who may cause damage to your home, there’s probably little to fear,” said Michael Barry, vice president, Media Relations, I.I.I. “But do contact your insurance professional with questions or concerns about your homeowners or renters insurance policy.” Your insurance policies provide financial protection for a ...

Grilling Safety

Every year, millions of Americans safely enjoy outdoor barbecues, but accidents do happen. According to the U.S. Fire Administration, about 5,700 grill fires take place on residential property every year, causing an annual average of $37 million in damage, 100 injuries and 10 deaths. The majority of grill fires are caused by malfunctioning gas grills. In addition, thousands of people visit emergency rooms every year because they have burned themselves while barbecuing. In the rare ...

Identity theft is the act of taking someone’s personal information and using it to impersonate a victim, steal from bank accounts, establish phony insurance policies, open unauthorized credit cards or obtain unauthorized bank loans. In some more elaborate schemes, criminals use the stolen personal information to get a job, rent a home or take out a mortgage in the victim’s name.   Close to half of identity theft cases are the result of a lost or ...

Possible fee refund of court hearing fee for citations after September 22, 2017 Due to a recent federal court decision (US District Court 14-13042 - Crawford v. Blue et. al.) civil motor vehicle infraction (CMVI) citation recipients will get a refund of the required $25 court hearing request filing fee (MGL Chapter 90C Section 3), if all of the following are true: Citation recipient was issued the citation after September 22, 2017 Citation recipient paid the ...

10 tips for safe winter driving

When winter weather makes driving challenging, the safest solution is to stay off the roads, but that’s not always possible…or perhaps you want to be out in the elements. Here are a few tips for preparing in advance for when you’re out in challenging conditions. Pack emergency supplies. Be sure your car has a brush and scraper, a shovel, rope, a strong flashlight, blankets, a can of de-icer, kitty litter for traction, water, matches and a snack. Keep ...

On July 6, as part of the Massachusetts RMV’s “Summer of Success” campaign, the Massachusetts RMV launched a new web feature at www.massrmv.com. The new “myRMV” is an easy and friendly central customer page that allows customers to view their RMV information and conduct RMV online transactions all from this one location. myRMV can be accessed through a myRMV icon at the top of the RMV’s website homepage or by clicking on one of the ...

If you have a CDL or CLP, be aware that the Federal Motor Carrier Safety Administration (FMCSA) has amended Commercial Driver License standards. This regulation is referred to as the “CDL Permit Rule”. The Massachusetts RMV will implement the rule starting in July 2016. If you have questions about the changes, please contact the MA RMV directly for further clarification.  The Commercial Driver’s License is referred to as the “CDL” and the Commercial Learner’s Permit is referred to as the "CLP". ...

 

The information provided in these articles are only general descriptions and should not be relied upon as complete, correct or accurate for your specific situation. All coverage informaiton is subject to policy provisions, endorsements and may be  subject to your meeting underwriting qualifications. Murphy Insurance Agency is not engaged in rendering legal, accounting or other noninsurance professional services. Consult an appropriate professional for advice regarding your own situation.