Pet Injury Protection: Fight for Fido

April 8, 2011
Are you getting the most out of your AAA membership?
Who could refuse Pet Injury Protection??
How could you NOT want to better protect your puppies and kittens?!! Click here to see the other coverages provided by your AAA membership in the Commerce Insurance auto policy.

Some Tips for Traveling Safely With Your Pet:

  • Keep your dog leashed or harnessed while in the car.
  • Keep your dog in a crate inside of the car, safe from windows.
  • Give your pet something to chew on is helpful in keeping him occupied/deterring him to be jumpy.
  • Never leave your pet unattended without food, water or air. Always keep the windows open ajar if you leave them in the car.
  • Protect your car too by using seat covers in case your pet sheds a lot or gets sick during the car ride.
  • Keep a Pet First Aid Kit in your car in case of emergency.

Check out this bright and helpful website for information on traveling with your pets!

Call us (1-781-871-5414) or email for a free quote: Liz@NBAInsurance.com! And don’t forget to tell your friends, Like Us on Facebook and Follow us on Twitter!

[Source: CommerceInsurance.com]


Before You Rev Up Your Bike, Boost Your Limits!

March 18, 2011

Motorcycle

Sixty-eight and sunny is reason enough to dust off your motorcycle and rev your engines.

But before you hit the road, raise your bike’s liability limits.

Many insureds opt to lower limits during the winter season because they stop riding their bike. Car-drivers and motorcycle-riders can both benefit from higher limits! And you don’t have to break the bank.

Why do we have liability limits? To cover for cases of bodily injury and property damage. Remember, minimum limits rarely insure total losses on newer cars.

And the physical damage coverage! I’ve said before how important it is to keep comprehensive and collision coverage on your vehicles. Cutting comprehensive coverage is the same thing as saying you are totally comfortable paying for a new windshield. Don’t put your bank account through unnecessary pain.

If you would like a quote on raising your limits or if you just have a question, call our office at 781-871-5414.


Think You’re Cutting Cost? Think Again.

February 25, 2011
"The Sad Car in Sad Colors" by Katoma, Borrowed from http://www.visualspice.net/. NBA Insurance: Auto, Home, Life, Boat, Massachusetts, Hingham, Boston, Walpole, Norwell, South Shore, All of MA, RI, Rhode Island, Insurance, Commercial Business, Since 1980.

Don't let your car look like the one above. Cute? Yes. But terribly sad.


In light of this economic downturn, morning shows like The Today Show and Good Morning America (among others) have been giving tips to consumers on best-spending-practices.

Quite honestly, most of their tips are pretty good… but not all.

Although I’m not an avid fan of these types of shows, I watch them every so often. Notably, in the past year, out of the dozen or less editions I’ve caught on TV, there were two or three that aimed to teach consumers how to cut cost on their insurance policies.

This needs to be addressed, alas- this blog post.

A young woman, whose name evades me, shared that to save money on car insurance, you should cut out collision and comprehensive coverages.

Of course, at the ungodly hour of 8am, or whenever this was disclosed on national television, I had an urge to throw my coffee mug at the TV. But I didn’t. I love my TV.

But seriously? Collision and comprehensive? Do you even care about your car? This would be like letting your child ride a bike without a helmet. Or driving without a seatbelt. Or tangoing on a dangerously high cliff. Your risking the physical security of your car.

Think of how much you drive. I, personally, drive -on average- about an hour and a half every day. Even if you drive a car that’s over 10 years old, they can retain their value quite well– some easily being worth a few thousand dollars despite having over 100,000 miles on them.

So if you cut the few hundred you might spend every year in physical damage coverage, you are risking the few thousand worth in your car. You might as well wave a wad of cash around in a dark alleyway.

Picture it – an insured’s nightmare – a tree limb falls and crushes your windshield. A drunk driver rear-ends you. You have just cut your comprehensive & collision coverages. Your car gets totalled – at fault or totally innocent, you must pay out-of-pocket for its repair or replacement.

If you don’t have physical damage coverage on your car now, feel free to give our office a call and we’ll give you a free quote adding coverage back on your policy– 781.871.5414 or 877.NBA.1980.


Choosing the Right Seat for Your Child: Knowing When to Ditch the Car Seat

January 28, 2011

Click the thumbnail images below to check out theses handy tips on child safety-belt laws from the Commonwealth of Massachusetts EOPSS (Executive Office of Public Safety & Security). For more information, you can visit http://www.mass.gov/childsafetyseats.


Skidding, Hydroplaning, and Do You Need New Tires? Take the Penny Test.

January 21, 2011

Skidding and Hydroplaning.

Different and yet, both bad options.

Apples and Oranges.

Different and yet, both fruits.

Skidding – Skidding is most likely to occur after rain, sleet, ice, or snow has muddled the roadways. Roads become considerably dangerous at the beginning of accumulation–mostly because drivers do not anticipate worsened conditions at the beginning of a storm.

Hydroplaning – Where there is standing water on the road there is also high risk for hydroplaning. If the tire cannot squeeze out the water between treads, the tires will coast across the pool of water, losing all friction with the road.

How do we avoid these situations?

  • Don’t drive when skidding or hydroplaning seems a likely possibility. Unless of course you have to; in that case, please be careful.
  • Check the depth of the tread on your tires. A simple way is by sticking a penny between the treads. If the top of Abe’s head is visible, your treads are too thin. You need new tires.
  • Know whether you have standard or anti-lock brakes. Standard brakes are not designed to stop your car in a skid. When you lock up standard brakes, you lose steering. If you slam on standard brakes, you make the situation worse and your car will spin out of control. So, if your car is equipped with standard brakes, DO NOT APPLY THE BRAKES until you have regained control of steering and your car has started to slow down on its own.
  • “Anti-lock brakes (ABS) are designed to prevent losing control of the car in a skid situation. They do this through use of a computer that detects when a tire is turning faster (trying to grip the surface) and applying pressure independently to each individual brake up to 20 times a second. This allows you to slow the vehicle while still being able to steer to avoid a collision. With the brakes pulsing that rapidly, the driver will feel a fluttering in the brake pedal. Unfortunately, many drivers, who are unfamiliar with ABS, feel this and think something is wrong and take their foot off the brakes. That is a big mistake! When applying anti-lock brakes in a skidding situation, you should expect to feel the brakes fluttering under your foot and understand that the system is operating correctly.” (National Safety Commission)
  • NEVER USE CRUISE CONTROL in the rain. If you go into a skid and your tires start to spin, Cruise Control get confused because you are not moving, so they increase the speed to get back up to the set speed- which might be really high if you are traveling on a highway!

Oh boy. I’m skidding. Now what?

  • Take your foot off the gas! Again, you shouldn’t be using cruise control.
  • If your car is equipped with standard brakes, do not apply the brakes. If you were applying the brakes when you started to skid, take your foot off the brakes.
  • If your car is equipped with ABS, apply firm pressure to the brakes. You will still maintain control of steering while the brakes are applied.
  • Steer the car in the direction of the skid. In other words, if the rear of your car is skidding to the left, turn your wheel to the left. Try not to look at the hazards but instead, look at where you want to steer the car and keep steering in that direction until you have regained control of the car.
  • Once you have regained full control of steering and the car has slowed on its own, you may be able to apply standard brakes effectively to bring your car to a stop. (National Safety Commission)

Source: (National Safety Commission)

If you’re looking for a quote,

look no further.

Email Liz@NBAInsurance.com

or call 1-781-871-5414 for more details.


Blizzard Warning! Counties Affected and a Handy-Dandy Radar Map

December 25, 2010

So, it’s Christmas night and we’re on the brink of what looks to be a pretty significant storm. Blizzard is the buzz word of the moment with a warning for the Greater Boston Area: Plymouth, Norfolk, Bristol, and Essex counties. It even reaches to southern Worcester county.

Then, as you go south of Boston toward the Cape, the blizzard-ness of the storm decreases into what I guess weathermen would call a “Really Bad Storm”.

Check out this map to see the forecasted accumulations.

Here’s a list of the current watches and warnings from 7News.

So, when they say blizzard warning, that means stay home. Don’t go out. If you think you have to go out, think twice. It’s not worth risking it. And even if you drive a 4×4, you are not Superman. Don’t try to be.

After the storm passes though, we should remember that MA just passed the new legislature that homeowner’s are absolutely liable for slips and falls on their property. Make sure to shovel your driveway or have a close friend/family member do it for you. Sand it and add dirt for traction to avoid these instances. If you take these precautions, you will have acted “reasonably”. For more information on this legislation, read my recent post on it or just read this blurb below:

Homeowners and businessowners need to abide by the clause, “act like a reasonable person.” What do they mean? Expense of snow removal and Seriousness/probability of harm are factors in deciding if a person/homeowner acted reasonably. It is a retroactive rule, therefore applicable to all pending claims with a 3-year statute of limitations.

For a list of safe driving tips, check out Weather.com‘s. It’s pretty comprehensive (AKA really long), but you should still read it. If you have a short attention span, skim it, get the gist that you shouldn’t drive, and stay home. 🙂

If you’re looking for a quote,

look no further.

Email Liz@NBAInsurance.com

or call 1-781-871-5414 for more details.


Commerce Insurance Really C.A.R.E.S. – This Will Raise Your Christmas Spirit

December 23, 2010

I always say I love that our agency works with Commerce Insurance. And today, December 23, 2010– on the brink of Christmas — I will say it again.

Commerce Insurance has a program they call C.A.R.E.S. The goal of the program is to educate young drivers about driving safely and to improve the educational experience of auto repair vocational technical students. Recently, C.A.R.E.S. donated 2 damaged cars to Bay Path Regional Vocational Technical High School in Charlton, Massachusetts. Here’s a blurb from the Press Release:

The damaged cars—a 2010 Toyota Camry and a 2010 Toyota Corolla—are being repaired by students at Bay Path in conjunction with Long Subaru of Webster, Massachusetts.  The repaired vehicles will be raffled and the proceeds from the raffle of the two vehicles will be shared between four area schools—Bay Path, Shepherd Hill Regional High School, Oxford High School and Bartlett High School. All four schools will be involved in marketing and selling raffle tickets.

Employees  of Commerce Insurance who live near the school are also showing their support by volunteering at school events.

The release also notes that local businesses, specifically Long Subaru, has invited students to their facility to work with experienced auto repair technicians to aid in the process of fixing the vehicles.   This gives the students the chance to do real repair work in an actual working environment.

“The students working on these cars not only have an eagerness to learn but a real passion for automobiles and that’s an encouraging thing to see from the next generation of auto repair technicians.”

– Jim Melbourne, Long’s auto body shop manager

The release also includes that Boch Collision Center of Norwood and Harr Auto Body in Worcester have “generously contributed parts and labor totaling nearly $22,000.”

[Source: Press Release]

If you’re looking for a quote, look no further.

Email Liz@NBAInsurance.com

or call 1-781-871-5414 for more details.