Mon, Dec 16th, 2019
THE NEW WAY OF BUYING A CAR!
Some of you may be familiar with the new trend of purchasing a car ONLINE! That’s right, we can now order a car directly on line and pick it up at a designated center. A company operating out of Arizona called, Carvana.com allows you to view, order, pay for and even finance the purchase all on line. HOWEVER……..before you rush on out to take advantage of this new opportunity, Let us remind all you Massachusetts residents of how our state works.
Massachusetts vs. The Rest of The World
For decades, an organization AIB (Automobile Insurers Bureau) has written a personal auto policy specifically for our state. Prior to the current competitive market all carriers were required to use the MAP (Massachusetts Automobile Policy) as written by AIB. In today’s competitive market a carrier doesn’t have to use this policy, but old habits die hard and most insurance companies writing auto in Massachusetts still use the MAP.
What does this mean?
In a nut shell, without getting into the nitty gritty of the complicated explanation of how our auto policy in Massachusetts and RMV work. It may mean that you will have no coverage for this transaction. Carvana requires confirmation of coverage before they can complete the transaction and the Insurance Company needs the transaction completed before they will provide the coverage!
Messy?…………………Yes!
Is there a way around this situation?
Possibly, but you want to find out before you start the process. Make sure to review the situation with your agent before entering any contract of purchase. We will help you navigate through.
Umbrellas aren’t just for a rainy day!
Avoid the down pour!
We all know that when it rains it pours, so what if we told you there was an inexpensive way to help protect you in the event you get caught in a downpour?
That’s right…………………
An umbrella policy helps provide an additional layer of security to you against being sued for damages to injuries caused in an accident, or for damages to someone else’s property. Umbrella policies add extra liability coverage over and above your primary policies such as, auto, homeowner’s and even your Business Liability insurance. Umbrella insurance is designed to help protect you from large and potentially devastating liability claims or judgements against you!
We are happy to provide you with a quote….call us.…….Let’s talk insurance! Schedule a Free Consultation
(508) 888-2766
28 Route 6A
Sandwich, MA 02563
Do I need it?
Disability Rant…
7 in 10 employed Americans say they would feel the financial pinch in a month or less without their paycheck- Life Happens
Imagine for a moment if you were injured on the weekend doing something stupid and couldn’t go to work and you were the sole bread winner, WHAT WOULD BE YOUR PLAN?
If you didn’t have a PLAN and ZERO savings account to keep the family afloat for say 3-4 months your family would definitely feel the pinch. Utility bills and auto loans would be delinquent, mortgage payments would definitely be late or missed all together and let’s not forget you do have to feed your family. SO YOUR PLAN STICKS!!
Imagine that we met and did a review of your current Homeowners, Auto, Business and Umbrella policies and I recommended a Disability policy or a PAYCHECK POLICY! What would your family’s financial situation look like……… if you were out of work for say 6 months? Pretty secure if you ask me!!! Let me show you an example:
Self-employed Male, 37 income of 62k per year- $3450.00 Total monthly benefit.
Premium $74.79 per month!!!
Now that’s a PLAN
Call us and let’s talk insurance
Life Insurance—————Why Not?
Life Insurance………………..WHY NOT?
The thought of purchasing life insurance for a child can create an uncomfortable feeling. No one wants to think about such devastation, however, a life insurance policy can also be utilized to help build up cash value that can be accessed in the future. You can help your child pay of education debt, help pay for a wedding or even their first home.
There is no clear answer if purchasing a life insurance policy for your child is right for you but educate yourself to make the best possible decision on behalf of your children. A few things to consider;
- If your child develops a chronic disease, it could leave them ineligible later in life to purchase a policy when they need it the most. If you purchase a policy with a cash value feature you can borrow money from your policy when it is needed.
If you’re considering a savings account for your child why not a permanent life insurance policy (cash value). You can access it at any time after the initial three to five years, with no tax implications.
So, let’s talk facts;
Why it’s a good idea to purchase permanent life insurance!
Protection from Tragic death, Funeral expenses, family counseling, and medical bills and let’s not forget when the parents need to take a leave of absence from work.
Savings and Insurability are the easy things to remember and talk about. The things that are difficult are just as important if not more important!
The Argument………………
- Fees……………..Really? How can you even put a price tag on it!
- Most children don’t die………………Really? That’s just what we want to believe…..aren’t we always telling teenagers they are NOT invincible! We Parents need to practice what we preach!
- I don’t want to benefit from my child’s death……………………Really! No ONE benefits from a death but someone sure has to step up when it happens!
……………………………………… Dan’s Rant…..Talking out loud!
1st post – WHO I am and WHY I do what I do….
My first post!
WHO I am and WHY I do what I do….
I would say that I am an insurance agent, and business owner, but, I feel that I am so much more than that. Like many of you, I’m a parent, a family member, and a friend. I work at balancing home and work life and am happy to report that most of the time, feel like I’m rocking it!
I purchased The Insurance Agency of Cape Cod Inc. in 2006. I wanted to encompass my talents with a desire to provide the best possible customer service at my own agency. I wanted to create something that separated my agency from the rest. I feel that I have done this. How, you may ask? I have created an environment that is both large enough to offer the insurance products that any customer may need but with the feel and warmth of on office that is small enough to know who you are.
We have a family atmosphere that allows our customers the comfort of knowing we are just a phone call away and that we will be there for them when they need us!
So call me…..“Lets Talk Insurance”!
Helena