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Got a Truck You Use in Business?

Do you own a truck or cargo van that you use in business? Does it have a Gross Vehicle Weight Rating (GVWR) of 10,001 lbs. or more? If you do, you will most likely have to comply with a recent change in a Mass. Department of Transportation regulation that requires these vehicles to have USDOT numbers and vehicle markings in accordance with Federal Motor Vehicle Safety Administration regulations.

If this applies to your truck, you may obtain your USDOT Number by visiting the Federal Motor Carrier Safety Administration website at https://www.fmcsa.dot.gov. You'll be issued a single USDOT number that must be displayed on all vehicles to which the regulation applies, including leased vehicles. There is no charge to obtain this number from the truckUSDOT- FMCSA.

You may find the General Summary of these DOT requirements helpful in determining whether the changes apply to your vehicle. This General Summary was developed by A-Affordable Insurance Agency with the assistance of a leader in employee compliance and safety specializing in the transportation industry, Fleet-Safety Services . Click here to download the General Summary. You may also want to seek assistance from a compliance company such as Fleet-Safety to avoid costly fines and out-of-service orders.

Thank you for the opportunity to share this business auto information with you. We would also like the opportunity to share how we may be able to save you money on your business insurance needs. Please stop by one of our 15 conveniently located offices or, if you prefer, you can contact one of our helpful business insurance reps by calling us at 1-800-897-2837 - X-2967. Our phone support hours are Monday—Thursday from 8 am to 8 pm, Friday from 8 am to 6 pm, and Saturday from 9 am to 3 pm. At A-Affordable, we open early and stay late for you!

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Do You Have Enough Car Insurance?

Many people who have car insurance have it mostly because the state requires it to be “legal” on the road. But, does the fact that you’re “legal” mean you have enough insurance? Probably not, but here at A-Affordable Insurance … we can make buying insurance simple. We know auto insurance is complicated because there are so many different coverages that do different things. These coverages fall into two major categories:

Coverage for Bodily Injury - There are two types of coverage for injuries … those that protect you and your passengers or household members and those that protect others who are injured due to accidents for which you are ultimately responsible.

Part 1.   Bodily Injury To Others   

Part 2.   Personal Injury Protection               

Part 3.   Bodily Injury Caused By An Uninsured Auto

Part 5.   Optional Bodily Injury to Others

Part 6.   Medical Payments

Part 12. Bodily Injury Caused By An Underinsured Auto

Coverage for Property or Physical Damage - There are three types of coverages that protect your property, the property of others, or assist you or someone else while your vehicle or theirs is out of service

Part 4.   Damage to Someone Else’s Property

Part 7.   Collision

Part 8.   Limited Collision

Part 9.   Comprehensive

Part 10. Substitute Transportation

Part 11. Towing and Labor


We have put together a brief summary of each of these coverages and invite you to click on any of the coverage parts listed to view our summary. If you prefer, you can contact one of our knowledgeable insurance reps to discuss these coverages by calling us at 1-800-897-2837. Our convenient phone support hours are Monday – Thursday from 8 am to 8 pm, Friday from 8 am to 6 pm, and Saturday from 9 am to 3 pm. At A-Affordable, we open early and stay late for you!

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Happy Thanksgiving

Thanksgiving 2

Thanksgiving is a special time to be thankful for great families, fortunate events, caring friends, amazing communities, loyal customers, and all the gifts of life we’re fortunate to have. We wish you safe travels over the river and through the woods on Thanksgiving ... the busiest travel day of the year.

We at A-Affordable Insurance Agency wish our clients and their families throughout Massachusetts the happiest of Thanksgivings and offer our sincere thanks for your business and your confidence in us.

 

The BEST and WORST travel days for Thanksgiving 2019:

BEST  DAYS              Monday, November 25t

                                   Thursday, November 28th (Thanksgiving)

                                   Friday, November 29th (Highways – NOT Malls)

WORST DAYS          Wednesday, November 28th

                                  Saturday, November 30 th

                                  Sunday, December 1st

 

 

 

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It's Time to Bundle Up!

A-Affordable  Insurance is well-known in Massachusetts for helping people who’ve had their car insurance canceled or their plates revoked, but A-Affordable Insurance is much more than auto insurance. We are a full service insurance agency bundleup representing a host of insurance companies and offering insurance for homes, condos and apartments as well as flood, motorcycle, commercial vehicle and business insurance. We are also quite proud of our Teen Drivers Insurance Program and the innovative ways we’ve saved parents and teens money with coverage specifically tailored for young drivers.

If it’s savings you’re looking for, A-Affordable can help you bundle your auto insurance with your home, renters or condo policy and save you money. We pride ourselves in offering affordable stand-alone insurance policies, but we can offer even more generous discounts for customers who combine policies with us.

Curious about how much we can save you? Take a couple of minutes to complete the Request a Quote form or visit one of our 15 conveniently located offices to learn more about how we can help you save money on all your insurance needs. If you prefer, you can contact one of our knowledgeable insurance reps to discuss your insurance needs by calling us at 1-800-897-2837. Our phone support hours are Monday – Thursday from 8 am to 8 pm, Friday from 8 am to 7 pm, and Saturday from 9 am to 1 pm. We open early and stay late for you!

We look forward to the opportunity to earn your business.

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Halloween Safety Tips

 Kids love the magic of Halloween: Trick-or-treating, classroom parties and trips to a neighborhood haunted house. But for moms and dads, often there is a fine line between Halloween fun and safety concerns.

Costume Safety from the American Academy of Pediatrics:

  • Plan costumes that are bright and reflective. Make sure that shoes fit well and that costumes are short enough to prevent tripping, entanglement or contact with flame.angelcostume

  • Consider adding reflective tape or striping to costumes and trick-or-treat bags for greater visibility.

  • Because masks can limit or block eyesight, consider non-toxic makeup and decorative hats as safer alternatives. Hats should fit properly so they don't slide over eyes. Makeup should be tested ahead of time on a small patch of skin to make sure there are no unpleasant surprises on the big day.

  • When shopping for costumes, wigs and accessories, look for and purchase those with a label clearly indicating they are flame resistant.

  • If a sword, cane, or stick is a part of your child's costume, make sure it is not sharp or long. A child may be easily hurt by these accessories if he stumbles or trips.

  • Do not use decorative contact lenses. While the packaging on decorative lenses will often make claims such as "one size fits all," or "no need to see an eye specialist," using decorative contact lenses without a prescription is both dangerous and illegal. This can cause pain, inflammation, and serious eye disorders and infections, which may lead to permanent vision loss.

  • Review with children how to call 9-1-1 (or their local emergency number) if they ever have an emergency or become lost.

Carving a Niche

  • Small children should never carve pumpkins. Children can draw a face with markers. Then parents can do the cutting.jackolantern

  • Consider using a flashlight or glow stick [or battery-operated candle] instead of a candle to light your pumpkin. If you do use a candle, a votive candle is safest [battery-operated votive candles are also available and are very inexpensive].

  • Candlelit pumpkins should be placed on a sturdy table, away from curtains and other flammable objects, and not on a porch or any path where visitors may pass close by. They should never be left unattended.

Home Safe Home

  • To keep homes safe for visiting trick-or-treaters, parents shouldHalloweenHome remove from the porch and front yard anything a child could trip over such as garden hoses, toys, bikes and lawn decorations.

  • Parents should check outdoor lights and replace burned-out bulbs.

  • Wet leaves or snow should be swept from sidewalks and steps.

  • Restrain pets so they do not inadvertently jump on or bite a trick-or-treater.

On the Trick-or-Treat Trail

  • A parent or responsible adult should always accompany young children on their neighborhood rounds.familytrick

  • Have flashlights with fresh batteries for all children and their escorts.

  • If your older children are going alone, plan and review the route that is acceptable to you. Agree on a specific time when they should return home.

  • Only go to homes with a porch light on and never enter a home or car for a treat.

  • Because pedestrian injuries are the most common injuries to children on Halloween remind Trick-or-Treaters:

    * Stay in a group and communicate where they will be going.

    * Remember reflective tape for costumes and trick-or-treat bags.

    * Carry a cell phone for quick communication.

    * Remain on well-lit streets and always use the sidewalk.

    * If no sidewalk is available, walk at the far edge of the roadway facing traffic.

    * Never cut across yards or use alleys.

    * Only cross the street as a group in established crosswalks. Never cross between parked cars or out of driveways.

    * Don’t assume the right of way. Motorists may have trouble seeing Trick-or-Treaters. Just because one car stops doesn’t mean
      others will.
  • Law enforcement authorities should be notified immediately of any suspicious or unlawful activity.

Safety Tips for Massachusetts Motorists

  • Watch for children walking on roadways, medians and curbsHalloweenTraffic

  • Enter and exit driveways and alleys carefully

  • At twilight and later in the evening, watch for children in dark clothing.

  • Discourage new, inexperienced drivers from driving on Halloween

We're Here to Help!

Thank you for the opportunity to share this Halloween safety information with you. We would also like the opportunity to share how we may be able to save you money on all your insurance needs. Please stop by one of our 15 conveniently-located offices or, If you prefer, you can contact one of our helpful insurance reps by calling us at 1-800-897-2837. Our phone support hours are Monday - Thursday from 8 am to 8 pm, Friday from 8 am to 6 pm, and Saturday from 9 am to 3 pm. At A-Affordable, we open early and stay late for you!

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Need Business Insurance?

Business insurance helps companies protect their financial assets and their intellectual and physical property from losses due to lawsuits, property damage, theft, vandalism, loss of income and employee injuries and illnesses. business2

Standard coverages include Commercial Liability, Commercial Property, Commercial Auto and Workers’ Compensation. There are other business insurance coverages available to address the more unique risks different businesses face.

One of the A-Affordable Massachusetts commercial insurance representatives would be glad to discuss your commercial insurance needs with you. Please call us at 800-897-2837. Our phone support hours are Monday – Thursday from 8 am to 8 pm, Friday from 8 am to 6 pm, and Saturday from 9 am to 3 pm. At A-Affordable, we open early and stay late for you.

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Not Every Hero Wears a Cape ... Plan and Practice Your Escape

FPW2019

The National Fire Protection Association® (NFPA®), the official sponsor of Fire Prevention Week for more than 90 years, has announced its 2019 campaign, “Not Every Hero Wears a Cape. Plan and Practice Your Escape!” Fire Prevention Week 2019 is October 6th through 12th. The campaign works to educate everyone about the small but important actions they can take to keep themselves and those around them safe. 

NFPA statistics show that in 2017 U.S. fire departments responded to 357,000 home structure fires. These fires caused 2,630 fire deaths and 10,600 fire injuries. On average, seven people per day died in home fires during 2012 to 2016.

Local Fire Departments across Massachusetts will be hosting a series of events in support of this year’s Fire Prevention Week campaign, "Not Every Hero Wears a Cape. Plan and Practice Your Escape!” To find out more about Fire Prevention Week programs and activities in your city or town, call the non-emergency number of your local Fire Department.

A-Affordable Insurance Agency is proud to share this information about Fire Prevention Week—2019 and to offer NFPA’s Fire Safety Tip Sheets including: 

Escape Planning Smoke Alarms at Home
Home Safety for People with Disabilities Smoke Alarms for those Deaf/Hard of Hearing
Heating Safety Fire Alarms in Apartment Buildings
College Campus Fire Safety Cooking Safety


We're Here To Help!

Thank you for the opportunity to share this Fire Prevention Week—2019 information with you. We would also like the opportunity to share how we may be able to save you money on all your insurance needs. Please stop by one of our 15 conveniently located offices. If you prefer, you can contact one of our helpful insurance reps by calling us at 1-800-897-2837. Our phone support hours are Monday – Thursday from 8 am to 8 pm, Friday from 8 am to 6 pm, and Saturday from 9 am to 3 pm. At A-Affordable, we open early and stay late for you!

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Is BASIC Insurance Good Enough for You?

In Massachusetts, what does “BASIC” insurance really mean?

  1. It means the most your insurance company will pay for injuries to one person is $20,000, and the most they’ll pay for one accident, regardless of the number of people injured, is $40,000. 

  2. It means that all your company will pay for damage you do to someone else’s property (car, fence, telephone pole, landscaping, etc.) is $5,000.

  3. It means you’re only covered on public roads in Massachusetts … not in parking lots, on private property or anywhere out-of-state.

  4. It means that you have no coverage for any passengers in your car … anywhere.

Do you think that’s enough? Keep in mind that a moderately serious accident can easily cost $100,000 or more, depending on the number of people injured, the number of cars involved, and the severity of injuries and damages. 

Plus, once the company has paid out your total limits, they’re no longer obligated to defend you in a lawsuit. They can just walk away, leaving you with legal fees and any court awards over and above the limits paid out by your company. If you’re thinking you have no assets for the other party to get, think again. Court awards are good for 20 years! How likely is it that you’ll still have nothing of value in 20 years – no house, no car, no high wages to garnish?

Let’s talk. Your friendly A-Affordable Insurance representative is here to help you. Give us a call at 800-89-SAVES … 800-897-2837. Our phone support hours are Monday – Thursday from 8 am to 8 pm, Friday from 8 am to 6 pm, and Saturday from 9 am to 3 pm. At A-Affordable, we open early and stay late for you!

 

September 2019

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Does My Landlord's Insurance Cover My Stuff?

Your landlord’s insurance does not cover the contents of your apartment; it just covers damage to the physical structure. So, if you have a fire in your apartment or someone steals some of your valuable possessions, your landlord’s insurance only covers damages to the building as a result of the fire or burglary. apartment

Here at A-Affordable we can help you protect your stuff with a renter's insurance policy that covers damage to or theft of your property and also provides liability coverage in the event a guest is injured in your apartment. Other optional coverages like reimbursement of living expenses; riders for valuables like antiques, electronics, business equipment, etc.; as well as umbrella liability coverage are available. Since you don’t have to insure the building itself, we can offer you a very attractive and affordable policy. We can save you even more by bundling your renter's policy with your auto policy.

Visit one of our 15 conveniently located offices today to learn more about renter's insurance and how we can help you save money on all your insurance needs. If you prefer, you can contact one of our knowledgeable insurance reps to discuss these coverages by calling us at 1-800-897-2837. Our phone support hours are Monday – Thursday from 8 am to 8 pm, Friday from 8 am to 6 pm, and Saturday from 9 am to 3 pm. At A-Affordable, we open early and stay late for you!

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Did You Receive Valuable Gifts This Holiday Season?

When your family gets together to celebrate the holiday season, insurance is the last thing you'll be thinking about.  But, did you know that some expensive gifts -- like jewelry, computers, computer games, sports memorabilia, xmasgiftoff-road vehicles, and specialty bikes -- might not be fully covered by your homeowners or renters policy.

In Massachusetts, most home, condo and renter's insurance policies limit the amount of coverage for different kinds of specialty items, and it's amazing how quickly those items can add up and exceed your limits. So, after you've unwrapped your gifts and had a chance to try them out, it's important to:

  1. Take a picture of your gift. Having a picture can assist the claims process if your item is lost or stolen.

  2. Have the item appraised or keep the receipt in a safe place. Although it might be awkward to ask for the receipt for your gift, it's important to have this information on-hand chanukagift in the event of an insurance claim.

  3. Review your policy limits. Once you've recorded your new stuff in your home inventory (you need one of these), add up the total value for each of the specialty categories outlined in your policy and make sure all of your stuff fits within your limits. Pay close attention to the "Special Limits of Insurance" section of your policy, which is where you'll see a breakdown of coverage for specific items.

  4. Talk to us! If the value of your new gifts puts you over the limit on your policy, we'll help you with additional coverage to protect your valuables.

Please contact one of our knowledgeable insurance reps by calling us at 800-897-2837. Our phone support hours are Monday - Thursday from 8 am to 8 pm, Friday from 8 am to 6 pm, and Saturday from 9 am to 3 pm. At A-Affordable, we open early and stay late for you!

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