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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 ...

A recently published white paper by Robert P. Hartwig, Ph.D., CPCU and Claire Wilkinson examines the current exposure to cyberrisk and how insurers are responding: Interest in cyber insurance and risk continues to grow beyond expectations in 2016 in part due to high profile data breaches, but also due to awareness of the almost endless range of exposures businesses face. Attacks and breaches have grown in frequency, and loss costs are on the rise. ...

The homeowners policy liability section covers only "bodily injury" and "property damage." Thus, any type of non-bodily injury such as personal injury is excluded without the attachment of a personal injury endorsement.  Examples of personal injury claims include wrongful eviction, wrongful entry, and oral or written publication that injures a party's reputation. This latter event is becoming particularly problematic with the rapid growth in social media.   Here are some tips to help you carefully manage ...

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 ...

BOSTON - MassDOT Registrar of Motor Vehicles Erin Deveney announced today that applications for the 2016 Low Number Plate Lottery are now being accepted online or by U.S. mail. Starting this year, for the first time ever, customers will be able to enter the lottery online by visiting:  https://secure.rmv.state.ma.us/myPlateLotto/.   Mail-in applications are available for download at www.MassRMV.com, or at Registry branch office locations across the Commonwealth.  Applications must be received online or postmarked by August 26, 2016, ...

 

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.