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    Personal Insurance Blog

    Frame Damage: Car Accident Aftermath & Collision

    Posted by Gordon Atlantic Insurance

    Tue, Feb 07, 2017 @ 11:33 AM

    Be informed and aware of your auto risk and insurance options with Andrew Gordon IncHave you considered damage to the frame of your car after a collision? It may surprise you to know that most cars today don’t actually have frames; most cars today use what is known as a ‘unibody,’ a technology that originated for use in aircraft design but was adopted by automobile companies in the late 20th century. The idea is that a strong exterior shell is more sturdy and impact-resistant than using an internal frame with structures around it.

    Post Crash

    However, what’s important with unibody design is that it must be repaired very meticulously to perform as well in a second crash. Any car manufacturer or engineer will tell you that you don’t want to be in a car that has incomplete structural repairs.

    The Danger

    Improper chassis repairs can severely affect the drivability, tire wear, and structural performance of your car. Further, improper chassis repairs can prevent your airbags from deploying correctly. Get a second opinion after taking your car to an auto-body shop. Just because it looks good doesn’t mean it’s ready to head into battle again.

    Learn more about your auto insurance options here.

    INSURANCE QUESTION? Get Quote  

     Corbin Foucart

    Tags: damage, repair, auto, frame, insurance, accident, Vehicle, car

    I’ve just had an accident, what do I do now?

    Posted by Gordon Atlantic Staff

    Fri, Dec 23, 2016 @ 12:15 PM

    I just stopped for a red light.  I was sitting there waiting for the light to turn green, when all of a sudden I was rear ended.  What do I do now?

    1. Remain Calm.  If possible, move out of the way of traffic.

    2. Make sure everyone is okay; if not call 911.

    3. Exchange information with the other party: (Hint: get out your phone!)

      • Name & address of owner – from the registration

      • Name & address of driver if different – from their license

      • Year, make & model & color of the other car – also from registration

      • Registration number - the license plate

      • Damage to the other car

      • Note Date & Time, and where accident happened.

      • This is when your cell phone comes in handy: take pictures of the other party's license and registration and damage to the cars.  Pictures can be sent to: claims@agordon.com

    1. If your car was towed, ask for name & address of tow yard or garage.

    2. Discuss the accident with your agent (call us at 800-649-3252 or 781-659-2262).

    3. Call the claim into the insurance company. (Click here for a list of our carriers). Veh accident.jpgThey will want  to speak with you directly, and coordinate the repairs.

    4. The RMV has a standard crash report (linked here) which you should complete for any accident where damages could exceed $1,000.

    5. Is your car drivable? If you buy rental coverage on your policy, you can rent a car when your car goes in for repairs; if it is not drivable, coverage begins immediately.  Confirm with the adjuster the amount of time approved for the rental. 

    6. If you do not buy rental coverage, and the other driver caused the accident, you should be eligible for rental coverage under the other person’s insurance. Contact the other carrier; we can assist you with this, but cannot represent you legally. Usually they won't authorize a rental until they hear from their own customer.

    7. If you do not have collision coverage on your vehicle and the accident was caused by another party, you can file a claim with the other person’s insurance company for thedamage to your vehicle & always request rental car coverage to be used when the car is in the shop (or not drivable). 

    8. If you do not have collision and the accident was your fault, your insurance will still pay for damage to the other person's property under the 'property damage' portion of your insurance. 

    What to expect from the insurance company:

    1. After the claim has been reported to the carrier, a claim representative will contact you to assist with coordinating the repairs.Truck.jpg

    2. This representative will assign an adjustor (the person who will actually see the damage at your home, workplace, or garage); or may ask you to visit a drive-in claims center in some cases. 

    3. The claims adjustor will coordinate with the claims representative the cost of the damages, or if the car is a total loss.  Bear in mind the claims adjustor can only price for the damages that they see.  Once your car is in for actual repairs, the shop may find more damages.  This is fairly common: in these cases, your garage should contact the company directly for a supplemental appraisal.

    4. Once the claim representative has the information back from the adjustor they will contact you with figures to either repair the car, or in some cases, they have to total the car.  If that is the case, the claim is then transferred to a total loss unit, which will contact you with the payout figures.

    The main things to remember in the case of an accident are:

    • Make sure all injured are taken care of, keep them calm and call 911 to get help out there as soon as possible.

    • Cars can be repaired or replaced.

    • Use your agent as a resource to keep the process moving if things don't go as you expect.

    Contact Us

    Tags: insurance, accident, car insurance, accident prodecures

    Dangerous Places to Drive In Norwell: Be Careful!

    Posted by Gordon Atlantic Staff

    Mon, Aug 11, 2014 @ 01:38 PM

    Despite being a small, rural town, Norwell has some pretty dangerous roads. In no particular order, here are some places where I drive with extra caution. 

    River Street: The average speed limit on River St. is 40 mph, so it's a fast road. There are some pretty sudden curves, particularly the dip when River St. intersects with Green St. This is a very dangerous spot; even though the speed limit is high, SLOW DOWN at this curve.

    Drive carefully in norwell when visiting andrew g gordon inc insurance

    Main Street: Main St. is fairly straight with a few hills, but make sure to slow down and drive 25 mph through Norwell Center. Also be careful when making turns onto Main Street, particularly left turns from South Street and Assinippi Ave.

    Prospect Street: This street's speed limit ranges, but there is a good chunk where you should drive 25 mph or below. There are many sharp and short hills and turns, so drive slowly and with caution.

    Bowker Street: This street is hilly, narrow, twisty, and woodsy. Go slow!

    Tiffany Road: This street only has one corner you really need to slow down for, but the speed limit is often ignored; many people drive up to 40 mph, but the speed limit is 25! Drive slower than you think you need to!

    Stetson Road: There's a straight spot on Stetson where the speed limit is high, but a VERY sharp turn following it. Slow down to 25 mph or slower for this turn! On the other end of Stetson is another deep dip where you should drive slowly. 

    Wildcat Lane: This is a very twisty and hilly street; I don't go any more than 30 mph at any part of this street. There is one particular sharp curve in the middle you need to slow down for.

    Drive safely, and come visit our office at 306 Washington Street!

     Visit andrew g gordon inc insurance in norwell ma

    For any auto insurance or other questions, contact us or call us at 800-649-3252! If you're a parent or a new driver, visit our new driver's page, or read some of our most frequently asked questions about auto insurance.

       Top 5 Auto  Discounts

    Tags: auto, insurance, accident, massachusetts, norwell, ma, driving, car, dangerous, driver, places, most dangerous roads

    What is Road Rage?

    Posted by Gordon Atlantic Staff

    Tue, Feb 05, 2013 @ 05:11 PM

    Drive safe without road rage in your automobile with auto from andrew gordon incRoad rage is when the driver of a motor vehicle becomes angry and aggressive, often affecting the other drivers out on the road and creating an unsafe environment for drivers. But there's more to road rage than meets the eye.

    Legal Status

    California is the only state which has given the term "road rage" a legal definition. This makes sense, seeing as the term "road rage" originated in California after shootings on the highway. In Driver's Education classes, road rage is still taught as a driving term, and while students may laugh at the prospect of someone whipping out a bow-and-arrow to use against another driver, such cases have been reported. The lesson here? Road rage is no joke.

    Road Rage in Massachusetts

    Boston is one of the top cities in the country with high aggressive driving behavior. While there is no legal definition for "road rage" here, drivers can be charged with other offenses, such as aggressive driving- which certainly correlates/is a form of road rage. Other possible violations include speeding, reckless driving, driving to endanger others, etc. If you are enraged and driving, your car is essentially a large weapon. Keep that in mind, because if you are in an accident and somebody gets hurt because you were angry, your being angry is the farthest thing from an acceptable reason as to why you were driving so aggressively.

    Helpful Hints

    If you get road rage while driving, or experience another driver with road rage, keep these hints in mind:

    • Calm down. It's the road. We all know you want to get where you want to be as quickly as possible. But rationalize, is waiting five seconds for another driver to go (regardless of whether they cut you off or not) going to affect your overall arrival time? No.
    • Take deep breaths. If you are the angry driver, take some deep breaths as you consider all the ruckus you may be causing. Other drivers are going to become hostile towards you; road rage is a two-way street.
    • Re-evaluate the road. Notice how other drivers are reacting to the road rage at hand. If other drivers become angry and hostile, avoid them. By driving amongst enraged drivers, you will only join their ranks.

    Overall, the best solution for road rage is for everybody to remain calm. That is, if the hostile driver and the other drivers around them quickly realize the situation, adjust to common courtesy on the road, and continue onward with their lives, the roads of Massachusetts (and the rest of the world) would be a much safer place.

    If you would like to update your auto quote, click the button below. We'll shop the best policies for you so if you are ever the victim of road rage, because now you know better, you will have the best protection possible. Learn more about auto insurance here.

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    Tags: auto, safety, insurance, rage, angry, danger, accident, ma, driving, car, road

    A Car Accident Story

    Posted by Gordon Atlantic Staff

    Mon, Jan 28, 2013 @ 08:37 AM

    Drive safely in the winter and snow with your automobile covered by auto insurance Andrew gordon incI was in a car accident pretty recently. A lot of snow had fallen, school had not been delayed, and the roads had not been plowed in the slightest. Not even Main Street, the street that runs through the very heart of our town. To make matters worse, I don't even live on Main Street; I live in a neighborhood hidden in the woods.

    I left for school much earlier than normal. I figured that with the horrendous weather I would drive super slowly and cautiously because my commute would be twice as long. And I did. That didn't help my car from skidding under me and losing control of my wheel.

    I kid you not, I was going maybe 8 miles per hour around a curb that typically is taken at speeds of 25 miles per hour. I made it around the curb safely, but after the curb and onto the straightaway, my wheels refused to turn due to all the snow, and it kept turning- right into a guard rail on the opposite side of the road. Fortunately, no cars were in the other lane.

    That guard rail saved my life. I had never really considered the importance of guard rails before, but it embraced my car and even though the rail definitely bent under the weight, it did its job and prevented me from falling into a ditch. If that guard rail hadn't been there, who knows where I would be today. Alive? Disabled?

    Kudos to my seat belt too. If I hadn't been wearing it (I always do), the guard rail may not have made a difference. Sure, it would have stopped my car, but would it have prevented me from flying through my front windshield?

    Prevent car accidents in the winter snow with auto from Andrew gordon incThe point is, I faced a major reality check that day. Although it wasn't my first car accident, it was the first one where my safety and well-being had been extremely compromised. It made me rethink all the stupid moves that drivers make, such as breaking the speed limit, not wearing seatbelts, texting, etc. I wasn't even distracted; I was totally focused! It was an act of nature that sent me spinning out of control.

    So here's my two cents from this experience: Always wear your seat belt. Do not get distracted. Do not drive if you feel as if the weather or the road conditions will affect your driving. And all the other little things. Here's a couple of other driving hints: It's not cool to speed, to text, to not wear your seatbelt, or to make incomplete stops at stop signs and traffic lights. You only put yourself and others at danger, and when accidents like this happen (and they do) you are not going to want the reason to be because you were acting as a careless driver.

    My car was damaged. It received a lot less damage than I anticipated, but I had also anticipated arriving to school safely and without accident. Accidents are unplanned. Make sure you have all the coverage you need to cover yourself in case something like this happens to you. If your car gets out of control, there's no telling what it could hit- a guard rail, a tree, a house, another car...

    Be safe and cautious while driving. If you would like a free auto quote from us to best fit your needs, click the button below. We'll do the shopping for you. Learn more about auto insurance here

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    Tags: winter, story, auto, safety, personal, insurance, accident, bad, driving, car, weather, seatbelt

    Should I File a Claim for a Single Vehicle Accident?

    Posted by Gordon Atlantic Staff

    Mon, Jan 07, 2013 @ 07:41 AM

    Protect yourself in case of car accident with auto from andrew gordon inc insurance“To file or not to file a claim?” That is the question. But fear not, there is a surprising option to consider if you are involved in a single vehicle accident.

    Filing an auto insurance claim

    Filing an auto insurance claim is a conundrum for many drivers as the resulting premium surcharge may equal or exceed the cost of the repairs to their vehicle. A typical example is when someone backing out of his/her garage scrapes and/or dents the side of the vehicle. They discover they are faced with a $1800 auto body shop repair bill.

    Faced with a large repair bill, the driver typically calls his/her agent to explore filing an auto insurance claim.

    What filing a claim could do

    At our agency, we explain that the collision damage will be covered after the deductible, which is commonly a $500 deductible. However, the driver will be surcharged 3 points under the current Massachusetts Safe Driver Insurance Plan. For a driver with an excellent driving record of 99, this means he/she loses the excellent driving credit, plus the addition of 3 surcharge points. Each point averages $150. It can easily cost between $450-600 in surcharge a year for up to 6 years under the current state guidelines for a $1800 repair.

    You can see this is not an appealing solution for the driver. He/she still incurs out of pocket expenses, and he/she will be surcharged for a number of years  However, sometimes drivers cannot afford the out of pocket repairs and will opt to file the claim and pay the resulting surcharge. Drivers may appeal a surcharge after it is issued. We have seen a good percentage of drivers with good driving records be successful with this appeal, but there is no guarantee.

    Another Option

    There is one unexpected option to consider if you find yourself in this situation. If you are nearing the point that you are considering trading in your vehicle, it may be a good time to stop at your local auto dealer for a quote. In recent months, I’ve suggested this to several customers trying to avoid a costly surcharge. The majority of these cases were stunned to learn that they could still get an excellent trade-in on the vehicle even with the damage. They opted for the trade. It was a win-win situation. The customers avoided a costly surcharge and/or out-of-pocket repair expenses, and they drove off in a newer model vehicle with attractive financing.

    The success stories with successful trade-ins were with vehicles that were well-taken care of, and many of the vehicles were serviced by the dealer. Of course, a trade-in may not always work in the driver’s favor, but the option is certainly worth keeping in mind.

    For an auto quote from us, click the button below. Any other insurance questions? Feel free to contact us, or leave a comment below. Learn more about auto insurance here. Read another staff member's blog about Understanding Your Auto Insurance Policy.

    INSURANCE QUESTION?  

    Tags: damage, auto, insurance, accident, Vehicle, claim, car, scrapes, scratches, dents, single

    Hydroplaning- When the Weather Gets Rough

    Posted by Gordon Atlantic Staff

    Tue, Nov 13, 2012 @ 05:28 PM

    Stay safe while driving in storms and avoid hydroplaning with auto from andrew gordon inc insurance norwell maMassachusetts is one of many places subject to a very specific weather phenomenon. During this certain type of weather, the sun often hides behind clouds, strong winds blow, and the air might become a tad bit chillier. Most incredibly, water falls from the sky in sheets!

    This, my friends, is called rain.

    When rains fall from the sky, it hits everything. It hits you, your umbrella, your car… and the road.

    More often than not, rain won’t be enough to prevent you from going about your daily routine. You drive here, do this, drive there, do that, drive home, and then remember you need to drive somewhere else. So hey, what’s a little water going to do to your overall driving experience?

    You may be surprised that water can do a lot, and the streets don’t even have to be flooded. The thinnest layer of water on the road can cause your vehicle to hydroplane.

    Hydroplaning is what happens when a layer of water separates your vehicle’s tires from the road. While the depth of the water does influence whether your vehicle will hydroplane or not, there are many other factors to consider.

    Drive safely in rain or storms with auto from andrew gordon inc insurance norwell maFirst of all, your tires. Tires with low traction are not going to be able to drive through water as easily as tires with higher traction. Traction is determined by the treads in the tires as well as the width of the tires. Keep in mind that worn tires are going to have less tread depth due to greater use on the road. Also, the inflation of the tires and the air pressure will affect the vehicle’s likelihood to hydroplane as well. If you have a tire that is not fully inflated, it is more likely to hydroplane even at lower speeds.

    The speed at which you are driving will also affect your probability of hydroplaning. The unwritten rule is to drive about 2/3 of the posted speed limit sign. For example, if the speed limit is 45 mph, it is recommended that you drive at 30 mph during hazardous weather conditions, such as a heavy rainstorm.

    Fun fact: In Massachusetts, you can get a ticket for driving 40 mph on the highway if the limit is 50 mph if you are driving during a heavy rainstorm. Don’t believe me? It says so at the bottom of page 80 in the Driver’s Manual (link can be found here).

    To prevent hydroplaning, you should mostly use common sense. Drive slowly, especially in flooded areas. If cars in front of you create large splashes as they drive ahead, be extra cautious around those areas with greater volumes of water.

    However, even with all the precautions that can be taken- cars WILL hydroplane under specific conditions.

    So, what do you do if your car happens to hydroplane?

    KEEP YOUR FEET OFF THE BRAKES. Braking can cause skids. Same goes with turning, DO NOT MAKE ANY SUDDEN TURNS. You want your car to continue on its destined trajectory; don’t try to mess it up.

    Hydroplaning is serious. When your car hydroplanes, you have no control. You can’t stop, you can’t go- you literally just go wherever the car takes you… that place could be into another car, into a ditch, into a building… you get the picture.

    Risk management is our business, and we believe that prevention is the best solution. In case you hydroplane, remember: DO NOT PANIC. If you have any other questions, do not hesitate to contact us. Learn more about auto insurance here.

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    Tags: auto, risk, management, insurance, accident, prevention, driving, storm, hydroplaning, rain, weather

    Accident Forgiveness- Will My Auto Insurance Premium Go Up?

    Posted by Gordon Atlantic Staff

    Fri, Aug 31, 2012 @ 12:58 PM

    Learn how your car insurance premium rates change if youre in an accident with auto from andrew gordon inc norwell maMany drivers ask, "will my auto insurance premium go up after an at-fault accident?" The answer is yes, in most instances you will pay more for insurance if you are found to be at-fault in an accident. However, Massachusetts state law prohibits insurers from increasing your premium based on at-fault accidents or traffic violations that occurred more than five years prior to the effective date of your policy. The effect on your premium when you are at-fault in an accident will be based on the rules and rating factors your insurance company has filed with the Division of Insurance. Most insurance companies assign a fixed number of points for each type of at-fault accident or traffic violation, and the total point value is used to determine a percentage increase to the premium for the policy. At-fault accidents may affect future premiums for 3-5 years. The Massachusetts Division of Insurance reviews merit rating plans before authorizing an insurance company to apply them to determine premiums. Individual insurer’s rating plans are available to the public. 

    The points are assigned to the at-fault driver after an accident is closed. The insurance company must notify the at-fault driver with a surcharge notice within 30 days after the claim is closed. However, it is important to know several auto insurers "forgive" an at fault accident. The criteria varies on accident forgiveness from company to company. For most insurers offering this coverage, the driver must be squeaky clean prior to the incident. Some carriers charge an extra premium to have the optional accident forgiveness endorsement available to their insureds. Others impose restrictions related to loyalty. In these situations, you must have been insured with the company for a certain length of time and hold a good driving record. 

    If you do have an accident surcharge forgiven by your insurer, it's important to know that does nor mean the Massachusetts Registry of Motor Vehicles has forgiven the accident.The forgiveness only applies to the individual insurance carrier. If your agent markets your auto policy to other carriers, the at-fault points will be included in the pricing. You can see the accident forgiveness coverage can build loyalty to the current insurer by dismissing the first at-fault accident.

    The accident forgiveness coverage is not available from all carriers. Those that do offer accident forgiveness may charge a premium. Several charge  4-6% of the annual premium so not all customers opt in for the coverage. It certainly is a nice safeguard when you are in the wrong place at the wrong time. However, if you pay 4-6% more each year for premium and do not have an accident then the cost benefit for the accident forgiveness coverage is not so great. Let’s say you pay $1000 a year in premium and pay $60 a year for the accident forgiveness coverage. Over five years, you will have paid $300 for the coverage. If you don’t have an accident then it’s easy to look back and say I shouldn’t have bought that coverage. However, if you do have a major accident. The coverage may save you more than $400 a year for five years. This surcharge amount varies by driver and coverage limits.  

    For specific pricing, get a no-obligation quote to see how much we can save you by clicking our auto quote page. Learn more about auto insurance here.

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    Tags: auto, insurance, forgiveness, coverage, accident, premium, collision

    Having a Car Accident in a Car That Isn't Yours!

    Posted by Gordon Atlantic Staff

    Wed, Aug 22, 2012 @ 04:45 PM

    Uh-oh, you just got into an accident.broken headlight To make matters worse, this isn’t your car- it’s your friend’s. Through some circumstance you ended up driving a car in which you aren’t listed as a driver- you may not even be covered by the same insurance company! What happens now?

    A situation like this can be frightening. However, accidents can happen. In case this ever happens to you (hopefully, it won’t), then this information may prove valuable and can help you remain calm afterwards.

    First of all, the insurance company for the involved vehicle would handle the claim and pay for damages and injuries. After all, unless you were stealing the car (from a friend? I should hope not…), then the friend must be aware of the risk of you having an accident.  Be warned, your policy could potentially come into play if the limits on your friend’s policy have been exhausted.

    Secondly, and this is the part that you won’t like, your license and your policy will be affected. If you are more than 50% at-fault you will be surcharged.

    In Massachusetts, a Motor Vehicle Crash Operator Report needs to be filed within five days if the crash occurred on public roadways, any person is injured, or damage is over $1,000. Section B of the report describes the vehicle you were driving. The driver, the insurance of the car, and the owner of the car are all listed under different categories. For the insurance company, list the insurance company for the car, not yours.

    Finally, here are some tips to keep you safe on the road while driving an unfamiliar vehicle:

    Avoid car accidents drive safely and cover your automobile with auto from andrew gordon inc insurance norwell ma-Make sure you know and understand all the controls to the car

    -Test the car brakes; odds are they feel different than the ones in your own car

    -Check out the steering wheel; some cars turn more smoothly than others

    -Whenever you’re driving, be sure to have the proper paperwork in the car (current registration, valid inspection sticker)

    -As always, remember to drive cautiously (i.e. fully stopping, checking mirrors, etc.)

    Accidents can be avoided, and it would be a shame to taint a friendship by crashing a friend’s car. On the off chance it happens, now you know what affects whom. Safe driving!

    For more information about auto insurance, contact us or visit us at www.agordon.com. If you would like to update your coverage, or find auto insurance to fit your insurance needs better, click the button below. Learn more about auto insurance here.

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    Tags: auto, insurance, coverage, accident, driving, claims, car, collision, friends

    Why Does My Insurance Company Not Fight My At-Fault?

    Posted by Geoffrey Gordon

    Thu, Jul 05, 2012 @ 09:12 AM

    Understand what your agent can do if youre at fault in an automobile collision with auto from andrew gordon inc insurance norwell maYou’ve just had a fender bender and then find out your insurance company won’t go to bat for you to avoid the dreaded ‘at-fault’ tag for the accident. Aren’t they supposed to? Isn’t that what you’d expect from a risk partner?

    Yes, they are.

    In fact, it’s always in your insurance company’s interest to have the other driver considered at-fault. And having your financial interests and the insurance company’s financial interests both trying to find the other driver at-fault is the best alignment possible.  

    Here’s why your interests align:

    The insurance company for the at-fault driver ends up paying most or all of the cost of the accident. That’s a big incentive. If you’re at-fault, they’ll pay your collision AND the repairs to the other driver’s car, even when the other driver goes through his own insurance. (This is a process known as subrogation, where the non-at-fault company gets paid after the fact by the at-fault driver’s company).

    So why don’t they fight harder?

    In short, legal reality. Massachusetts traffic law has been litigated and argued for about a hundred years. That’s a lot of case law. And even the most skilled lawyering can’t get you ‘not at-fault’ if the case law is against you (excepting documented extenuating circumstances).  

    Massachusetts traffic law has been summarized in the “Standard of Fault”. Distilled down to the very basics, the at-fault driver was usually in one of these situations:           

    • Not yielding to oncoming traffic

                     -Crossing traffic to turn left

                     -entering a main road from a side road

    • Hitting someone in the rear 

                     –not stopping in time

    • While in reverse

    It’s always good to get fresh information at the accident, to avoid ‘description drift’.  See our tips on right after an accident to understand how to protect your interests. Or call us at 800-649-3252. Learn more about auto insurance here

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    Geoff Gordon

    Tags: auto, risk, management, law, insurance, fender bender, at-fault, at-fault, litigation, accident, Automobile, Vehicle, car, crash, traffic

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