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Don't risk financial losses because someone else isn’t covered Despite the legal requirements in 49 states, many drivers in the U.S. remain uninsured. Don't risk your financial health—make sure you're insured, and learn how to protect yourself in the event of an accident with an uninsured motorist. Uninsured motorists are relatively common With the exception of New Hampshire, every state in the U.S. has a minimum mandatory car insurance requirement. Despite that, about one out of every eight ...

Auto insurance for teen drivers

Is there a newly licensed driver in your home? Reduce the stress by understanding the implications for your car policy For parents, the excitement of having a first-time driver in the house is usually tempered with worry. With little driving experience and raging hormones, immature drivers are at a higher risk for accidents. Of course, safety concern is uppermost in most parents' minds but other stressors—like the high cost of insuring your new driver and ...

Where you travel, the vehicle rented, the rental contract and other factors can all impact coverage, so it really depends on the situation. Below is a general overview, as it relates to a Massachusetts Auto Policy (MAP), of issues to consider. A MAP is not worldwide. It only covers you in the U.S., it’s territories, Puerto Rico and Canada. As long as you have comprehensive and collision coverages on any of your own vehicles, ...

Even a well-maintained vehicle can break down, so it’s advisable to put together an emergency roadside kit to carry with you. A cell phone tops the list of suggested emergency kit contents since it allows you to call for help when and where you need it. Suggested emergency roadside kit contents:  Cell phone  First aid kit  Flashlight  Flares and a white flag Jumper cables  Jack (and ground mat) for changing a tire  Work gloves ...

Whether your a new driver on one with years of experience, it's always good to review safe driving habits. Even if you know what good habits are, there are often times where you're put in a situation where you have to make a decision to drive.  When it doubt, let someone else drive, pull over or call a cab.   Avoid Fatigue The best way to stay focused while driving is to avoid fatigue. Schedule your ...

As a cyclist, you've chosen a sports activity that puts you on the road with a lot of vehicles.  No one needs to tell you that drivers have a lot more physical protection than you do on your bike. While you take every precaution to be safe, it's possible that something could happen. Sadly in 2011, cycling accidents caused 48,000 injuries and 677 deaths. (NHTSA Traffic Safety Facts)   If you're involved in an accident, the ...

If you’re traveling with children, find out how to best keep them safe. Make sure car seats and booster seats are properly installed and that any children riding with you are in the car seat or booster seat best suited to protect them. All children 13 and younger should ride in the back seat. And remember, all passengers in your vehicle should be buckled up!  Go to NHTSA's, child passenger safety recommendations to find out how ...

Memorial Day is often thought of as the kick-off of summer vacation season.  There are many great things about summer but few can match the fun of a family vacation road trip. Families, friends, colleagues—we all start talking about where to go this summer. Families make plans to spend time together – that trip to the shore, the cabin in the mountains, camping at the lake. Friends start lining up their days off to ...

Based on 2014 data, motorcycle deaths occur 27 times more frequently than in other types of vehicles accoreding to the NHTSA. 4,586 motorcyclists were killed in traffic crashes in 2014. Those deaths account for 14 percent of the total highway fatalities that year. This decrease in motorcycle fatalities continues to break a tragic trend over the last 17 years, which saw only one other decline in 2009. Injured motorcyclists also decreased from 93,000 in 2013 ...

The Honda Civic was the most frequently stolen passenger vehicle in 2017, with 45,062 thefts among all model years of this car, according to the National Insurance Crime Bureau (NICB).  The bureau notes that most of these thefts were older models that lack the anti-theft technology of today’s models.  In fact, there were 6,707 thefts of the 1998 model year Civic, but only 388 of the 2017 Civics. The Honda Accord ranked second, with ...

 

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.