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    Personal Insurance Blog

    What is Gap Insurance?

    Posted by Gordon Atlantic Staff

    Mon, Jun 30, 2014 @ 09:32 AM

    Gap protection is an automobile coverage that helps protect you in the event of a financed total loss vehicle. Gap protection is offered by some insurance companies, lending institutions and leasing companies. It pays the difference between the total loss settlement and the outstanding loan amount of your vehicle.

    Here’s an example. Let’s say that you buy a new car for $30,000 and that your vehicle is totaled. You racked a lot of miles on the car and that lowered the book value to $20,000.Your insurance pays your claim, based on the book value of $20,000. Let’s also assume that you took out a 6 year loan with a very small down payment, thereby reducing the outstanding loan amount minimally. Your outstanding loan amount is $24,000.  Your Gap insurance will pay the difference of $4,000.

    Cover your vehicle with gap protection in case of a crash with Andrew Gordon Inc Insurance Norwell MAThere can be eligibility limitations, depending on the company offering Gap insurance.

    • Age of vehicle owner

    • Use of vehicle (personal vs. business)

    • Annual mileage

    • New vs. used vehicles

    • Age of vehicle

    We, at Andrew G. Gordon Insurance Agency,  are here to assist with all your personal and business automobile needs. Visit us at www.Agordon.com.

    We make insurance make sense! Learn more about auto insurance here.

    Contact Us

    Tags: auto, insurance, Automobile, claim, car, crash, collision, gap, total, totaled

    License Plate Lights

    Posted by Gordon Atlantic Staff

    Thu, Jul 25, 2013 @ 12:12 PM

    Some of us are very familiar with cars driving out and about with broken headlights or brake lights (both of which are very dangerous, regardless of how fun the game "padiddle" might be). But I recently learned something else- something about a license plate light (circled in yellow in the picture below).

    Make sure you have license plate lights and auto insurance from Andrew G Gordon IncDid you know?

    License plates lights are lights in the rear of your car that illuminate your license plate to all other drivers. It allows other drivers to read your license plate number- most likely for if they need to report you for anything illegal. Now, if you were doing something illegal, you wouldn't want your license plate to be showing anyway. However, there have been instances in which license plate lights have gone out and people have been doing completely innocent things. That happened to my friend while I was in the passenger seat; he was pulled over by the police.

    Most people don't consider license plates lights, but it's something that we should not forget about. If you find that you or a friend has a car in which the license plate lights have do not work, do NOT drive at night. It's an illegal offense and you will be pulled over.

    What should you do?

    If you do find that your license plate lights have gone out, as I've said, do NOT go out driving at night. You can get these lights fixed at several car shops and mechanics, or you can do-it-yourself. If you do-it-yourself, make sure you order white lights for your license plate. Other colors are not acceptable in Massachusetts and any form of a blue or red light on a moving vehicle is reserved for emergency vehicles. You do not want to get pulled over and face consequences for incorrect license plates lights as well as impersonating an emergency vehicle- especially over something as tiny as a license plate light!

    Safety inspection

    License plate lights are one of the things checked during a safety inspection in Massachusetts, just like headlights and brake lights. While those two may seem higher and of more importance on the hierarchy of car lights, don't forget the license plate lights. They'll get you every time!

    If you have any other questions about safety, auto insurance, or any other car questions, feel free to contact us at Gordon Insurance. Learn more about auto insurance here.

    INSURANCE QUESTION? Driving with Insurance in Mind eBook  

     

    Tags: auto, rmv, safety, insurance, Automobile, ma, lights, car, plates, license, crash

    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

      Driving with Insurance in Mind eBook  

    Geoff Gordon

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

    What is Distracted Driving?

    Posted by Gordon Atlantic Staff

    Wed, Mar 21, 2012 @ 03:36 PM

    Dont drive when distracted to prevent car accidents and cover yourself with auto from Andrew Gordon Inc Insurance Norwell MATaking your eyes off the road for a split second is all it takes to change or end a life. The situation became personal recently when a family friend made the wrong choice of reading a text message while driving. In a split second, she drifted off the road and struck a tree head-on. You can see from these pictures of her vehicle, it is a miracle no one was injured in this single vehicle accident last month on Main St., Hingham. The driver, Amanda, age 28, had no passengers and acknowledged to the police that she did take her eyes off the road to read an incoming text message. The accident came as a shock to family and friends as we all know Amanda as a highly responsible young adult. She knew better but still made a terrible decision. I can guarantee Amanda learned from this experience and she hopes others learn from her incident. A few days after the accident, I took my 16 year old daughter to see the heavily damaged 2012 Jeep at the auto body shop. Seeing the vehicle made the consequences of distracted driving more real to my daughter who recently acquired a driver’s permit.

    Prevent accidents by always paying attention to the road and cover your automobile with auto from Andrew Gordon Inc Insurance Norwell MAIn 2009, nearly 5500 people were killed and an additional 448000 injured in crashes involving distraction. There are three types of distracted driving- visual, manual and cognitive. Visual is taking your eyes off the road, manual is taking your hands off the wheel and cognitive is taking your mind off the task at hand. Text messaging while driving may be considered the most distracting of all because it includes all three types of distracted driving - visual, manual and cognitive. Sending or receiving a text takes a driver's eyes from the road for an average of 4.6 seconds, the equivalent-at 55 mph-of driving the length of an entire football field blindfolded.

    Distracted driving is not only texting and driving. Any non-driving activity you engage in is a potential distraction that increases your risk of crashing. All distractions endanger driver, passenger and bystander safety. These include texting, using a cell phone, talking to passengers, grooming, reading including maps, using a navigation system, watching a video or adjusting a radio.

    If it's so dangerous, why do people do it?

    Some people still don't understand distracted driving is dangerous. Others know about the risks of texting and talking while driving, but still choose to do so anyway. They make the mistake of thinking the statistics don't apply to them and believe they can defy the odds. Still others simply lead busy, stressful lives and use cell phone to stay connected with their families, friends, and workplaces. They forget or choose not to shut these devices off when they get behind the wheel.

    Who are the most serious offenders?

    Our youngest and most inexperienced drivers are most at risk, with 16% of all distracted driving crashes involving drivers under 20. However, they are not alone as 84% of distracted driving accidents involve adults over 20.

    Is it safe to use a hands-free device to talk on a cell phone while driving?

    The research indicates that the cognitive distraction of having a hands-free phone conversation causes drivers to miss the important visual and audio cues that would ordinarily help you avoid a crash.

    The bottom line for safe driving  is to keep your eyes on the road, hands on the wheel and mind on the task of driving.

    Learn more about your auto insurance options here.

      Driving with Insurance in Mind eBook  

    Tags: auto, insurance, accident story, distraction, accident, massachusetts, driving, car, crash, texting, safe, distracted

    Understanding Your Auto Insurance Policy

    Posted by Val Feeney

    Thu, Dec 01, 2011 @ 04:17 PM

     A Breakdown of Each Coverage on Your Policy

    Chances are if you look at your Massachusetts auto policy and don’t understand what the coverage amounts mean, you are not alone.  However, you should familiarize yourself with your coverage so you can determine if you have enough financial protection.  So get out your policy and follow along as I describe what each coverage means below.

    Understand your auto insurance options to cover your vehicle with Andrew Gordon Inc Norwell MAPart 1. Bodily Injury to Others. 

    This pays for medical expenses and other damages to anyone injured or killed by your car.  This required amount is $20,000 per person and $40,000 per accident (max).  Meaning, the total amount paid out to the people you hit is $40,000 combined ($20,000 for 1 person, $10,000 for 2 other people, or $10,000 for 4 people, etc).  This only covers accidents in Massachusetts.

    Part 2. Personal Injury Protection (PIP).

    Pays up to $8,000 in medical expenses for you or anyone who is driving your car (legally) during an accident.  It also covers any passengers or pedestrians for medical expenses once the individual’s own health care expenses reach $2,000.   

    Part 3. Bodily Injury Caused by an Uninsured Auto.

    Protects the driver and passengers (unless covered by their own auto policy) against medical expenses caused by an uninsured or unidentified driver.  This covers any “hit & run.”  The minimum limit required is $20,000 per person and $40,000 per accident.  Recommended Amount: $100,000/$300,000

    Part 4. Damage to Someone Else’s Property. 

    This amount pays for damage you cause to another person’s property such as an automobile or building.  The minimum limit is $5,000.  Recommended Amount: $100,000

    Part 5. Optional Bodily Injury to Others.

    This optional amount is added onto the Part 1 minimum of 20K/40K to extend your liability against injury to others.  This coverage also protects you against damages suffered by guests in your car during the accident.  This covers accidents in the entire United States and Canada.  Chances are, if you get into a serious accident, you will owe more than $20,000 per person and $40,000 total, leaving you on the hook for the difference.  Recommended Amount: $250,000/$500,000 or $100,000/$300,000

    Part 6. Medical Payments. 

    Medical expenses for you and your passengers over and above the amounts covered by Part 2, no matter who is at fault in the accident.  Recommended Amount: $5,000

    Protect your automobile from a car accident by driving safely and understand your auto ins policy with Gordon Insurance Norwell MAPart 7. Collision.

    Collision coverage pays for the damages to your car when involved in an accident, regardless of fault.  You may need to pay the deductible. Recommended Amount: $500

    Selecting Your Deductible.

     The deductible set under Part 7 and Part 9 is your choice.  The standard deductible is $500.  You can save on your premium by selecting a $1,000 deductible.  This is the amount you will have to pay in the event of an accident which is your fault or if the other driver is unidentified (“hit & run”).

    Waiver of Deductible. 

    Having a “Waiver of deductible” means that you will not need to pay the deductible if the accident is caused by another driver that is identified. 

    Part 8. Limited Collision.  

    This coverage is for people who do not wish to carry full Collision coverage, Part 7, but still want to be covered if they are hit by an identified driver who was at fault.  If you are at fault, you will not be covered.  Recommended Amount: Get full Part 7 Collision

    Part 9. Comprehensive.  

    Pays for damage to your vehicle resulting from non-collision events such as theft, fire, striking an animal, or falling tree damage.  You will be responsible for the deductible.  Recommended Amount: $500

    Part 10. Substitute Transportation. 

    Reimbursement for a car rental or transportation while your vehicle is being repaired (after a breakdown or accident).  You will receive a daily stipend and total stipend that cannot be exceeded.  Options are $15 a day up to $450 (30/900. 45/1350. 1000/3000).  Recommended Amount: 15/450 if you have AAA.  30/900 if you do not have AAA. 

    Part 11. Towing and Labor.  

    Pays up to a certain amount to get your car towed from the accident/breakdown scene or fixed at the scene (parts not included) so it runs again.  Options are $50, $100, $150.  Recommended Amount: $100

    Part 12. Bodily Injury Caused by an Underinsured Auto.

    Protects the driver and passengers (unless covered by their own auto policy) against medical expenses caused by an underinsured driver.  The accident must be caused by someone without enough bodily injury coverages (Part 1 & Part 5). Recommended Amount: $100,000/$300,000

    If you do not have any of the recommended coverage amounts above, you are putting yourself at financial risk every time you get behind the wheel.  It may be time to have your policy quoted with the proper amounts.  Send us a copy of your policy today, and we will quote it with several different carriers, ensuring you get the best product at the best price.  Go to our website www.agordon.com for more insurance resources. Learn more about your auto insurance options here.

    Read another staff member's article Property Damage for Auto Insurance: Should I Increase My Limit?

      INSURANCE QUESTION?  

    Val Feeney

    Tags: auto, policy, insurance, coverage, accident, massachusetts, car, crash, collision, comprehensive, deductible, medical expenses, bodily injury, property damage, transportation, uninsured

    Auto Policy: Property Damage Coverage

    Posted by Donna Bellavance

    Mon, Oct 17, 2011 @ 04:52 PM

    When considering coverage for auto insurance, it is important to properly cover yourself, your household members, and your vehicle(s). However, it is just as important to purchase enough coverage were you to cause damage to others or to their property.

    Cover yourself home and automobile with an auto policy that covers property damage with Gordon InsuranceWhere is this mentioned?

    Part 4 (damage to someone else’s property) provides the coverage for damage to property owned by others, whether it is another vehicle or a structure, such as a fence, mailbox, building, etc. This would also apply to structures such as guardrails on the highway, telephone poles or structures owned by National Grid. Payment will be made if the insured or a household member is legally responsible for the accident. The insurance carrier will also pay if someone else was using your car with  your consent and is legally responsible for the accident.

    How much will be paid?

    The most that will be paid for damage from any one accident is shown on the coverage selections page. If someone covered under this part is using an auto he or she does not own at the time of the accident, the owner’s auto insurance must pay its limit before the operator’s policy will pay. The operator’s policy will pay for their share of any damages not paid by the owner’s insurance (if damages exceeded their limit) up to the operator’s policy limit.   

    Is coverage mandatory?

    Part 4 is compulsory insurance and $5,000 limits are the minimum allowed by the state. Higher limits may be purchased and the cost to increase is usually much less than expected. One of our insureds recently increased their Part 4 from $50,000 to $100,000 for 2 vehicles and the annual total premium increased by $2. Another insured increased their Part 4 from $100,000 to $200,000 for 3 vehicles and the total annual premium increased $11. It is definitely in an insured’s best interest to have higher limits quoted as one should try to protect one’s assets from potential lawsuits. 

    What’s an example of needing coverage?

    As an example of what can happen when inadequate limits are purchased, another agent’s customer called us recently to ask us for confirmation of the facts surrounding an accident she had had the year before. She was a youthful operator whose father purchased the insurance for her with minimum state limits. His decision was based on the fact that she worked part-time and didn’t own anything. However, she was involved in an at fault accident and totalled someone else’s vehicle. She was found legally responsible, her policy paid the $5000 minimum limit purchased and her future wages were attached for the remaining balance of $30,000 owed for the totaled vehicle. We advised that this was in fact how all carriers would have treated the loss when only the minimum state limits had been purchased.

    We always recommend that our customers consider their assets and purchase enough coverage to protect themselves and their property. Check out our auto insurance page if you're ready for a quote or learn more with our insurance resources and whiteboard videos.

    Learn more about your auto insurance options here, and read a staff member's blog about property damage for auto insurance here.

      INSURANCE QUESTION?  

    Donna Bellavance

    Tags: damage, auto, property, insurance, accident, Automobile, driving, car, crash

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