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Murphy Insurance News & Articles

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Massachusetts “managed competition” has significantly increased the variety of factors used by insurance companies to determine auto insurance premiums. Every insurance company has its own unique guidelines and applies factors differently, which is why we compare companies, coverage and price to help you determine the best value. While you can’t control every factor, some decisions you make will impact the amount you’ll pay. We work with multiple insurance companies, which may change we ask you a ...

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 ...

Preventing ice dams

what is an ice dam? When the air in your attic warms to above freezing, it causes the snow to melt. When temperatures outside are below freezing, the water running down the slopes can refreeze as it reaches the colder edges of the roof. This can create an “ice dam” that prevents water from draining off the roof and causes it to pool and back up under the roofing material and into the attic or ...

Tips for spotting auto fraud The facts about flooded cars Like other natural disasters, floods can create enormous damage to properties and vehicles. Flood vehicles offer a tempting opportunity for criminals to defraud unsuspecting consumers. By definition, a flood vehicle has been completely or partially submerged in water to the extent that its body, engine, transmission or other mechanical component parts have been damaged. If the vehicle is so damaged that it is no longer operable, the ...

What your insurance does—and does not—cover In the aftermath of Hurricane Harvey and Hurricane Irma, policyholders may have questions about how insurance works following a natural disaster. Here are some answers to many of these common questions. Q. Are flood losses covered under my homeowners insurance policy? A. Standard homeowners and renters insurance policies do not cover flood damage, including damage from a storm surge. Flood coverage requires a separate policy from the federal government’s National Flood Insurance Program (NFIP), ...

Torrential rains and flooding continue to impact many parts of the country, causing a big jump in water damage claims. Mechanical breakdowns are also culprits when it comes to these types of losses. But, there are many ways you can protect your home from these unfortunate events, including the following. Periodically check your washing machine hoses since these hose failures cause millions of dollars of water losses each year. Hoses should be replaced at ...

Social networking has become part of the fabric of daily life. Facebook®, Twitter®, Instagram®, Snapchat®, blogs, and other online chatter continue to grow. And, it’s led to an increase in lawsuits based on defamatory or libelous statements. What people “say” on the Internet As you’ve probably seen, some people make some awful stupid statements online, and YES…it’s all in writing. Defamation is spoken or written words that falsely and negatively reflect on a living person’s reputation. Foolish things ...

Dragging your heels on taking down the Christmas tree? Here’s a fact that may motivate you: Nearly 40 percent of U.S. home fires that begin with Christmas trees occur in January. The National Fire Protection Association (NFPA) is strongly encouraging people to remove Christmas trees from their homes promptly after the holiday season. “Christmas trees are combustible items that become increasingly flammable as they continue to dry out,” said Lorraine Carli, NFPA’s vice president of ...

Securing your home against burglary

Burglars won't find your home an "easy mark" if they are forced to work in the light, if they have to take a lot of time breaking in, or if they can't break in without making a lot of noise. Research shows that if it takes more than four or five minutes to break into a home, the burglar will go elsewhere. Most insurance companies provide 2 percent to 15 percent discounts for devices that make ...

 

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.