Umbrella Insurance – Consider This

Umbrella

You’ve heard the term Umbrella policy before, but figured you already had insurance for your belongings. So why do you need this coverage? Consider this- you’re in an auto accident and the other driver sues you. The other driver wins the lawsuit against you and you’re now required to pay them $1 million, but your auto insurance only covers a portion of that. Now you’re on the hook for the remaining amount. Without an umbrella policy in place, this sum is an out of pocket expense not covered by your primary homeowner or automobile policies.

With an umbrella policy, this scenario plays out differently. You have an additional coverage that goes above and beyond what your auto insurance pays out. Instead of dipping into your personal finances to pay the other driver, you pull from your umbrella policy and avert the potential for financial struggles!

In a nutshell, an umbrella insurance policy offers you and your family additional liability protection over the basic coverage provided by your automobile, homeowners or boat policy. $1 million, $2 million, $3 million or $5 million ($3 and $5 million option not available in all states) limits are available.

If you would like more information on our products, or to add this coverage, please contact your existing Quincy Mutual agent or use our agent locator.

Hauling Your Christmas Tree

Tree_Tie_Down

You know it’s the holiday season in New England when you see cars on their way home with a Christmas tree tied to their roof! While we love seeing this display of Christmas cheer, Quincy Mutual Group wants to ensure that if you’re planning to join the crowd traveling with trees, you are doing so correctly!

Step 1- Use the Right Vehicle: Trucks, minivans and SUVs are perfect for this task! They either have a bed in the back, or a roof rack for carrying items. We do NOT recommend that sedans or similar cars carry a tree home!

Step 2- Protect Your Vehicle: Avoid scratches and sap damaging your vehicle’s paint by throwing down a blanket before securing your tree.

Step 3- Correctly Position Your Tree: You’ll want to have the trunk of your tree facing the front of the vehicle. This allows for less resistance from the branches, which will be bundled toward the rear of your vehicle.

Step 4- Secure Your Tree: Don’t skimp on this part of the process. Weak tie-downs (or worse, the twine some tree lots offer) will not give the security needed for the tree’s trip home. Bring out the ratchet straps or bungee cords instead.

Step 5- Mind Your Speed: Slow and steady gets the tree home. Mind your speed, and take backroads home if needed. Going too fast or braking too suddenly could result in your tree coming loose and causing an accident or injury.

Step 6- Getting Your Tree Down: Just like in Step 2, you’re going to want to protect your vehicle. Consider leaving the tree on the blanket it traveled on, and use the blanket to gently carry the tree off your vehicle.

Avoid auto insurance claims and ensure the safety of your passengers, other motorists and pedestrians by following these tips. At Quincy Mutual Group, your road safety is very important to us. Visit our Agent Locator here and any of our 500+ agents can assist you with a car insurance quote!