The Importance of Disclosing Prior Accident History to a New Hampshire Auto Insurance Company

by | Dec 16, 2011 | Blog

 

When researching New Hampshire auto insurance it is important to tell potential insurance companies if you have ever been involved in an accident and if claims were made to another insurance company. Even if the accident wasn’t your fault you still need to make your insurance provider aware of it.

People who don’t report previous claims are usually concerned about being charged higher premiums. Occasionally an applicant may honestly forget to disclose a minor accident or the insurance agent may forget to ask about your accident history, so you may not realize you should inform them.

Most insurance companies check the information you provide when applying for insurance and there is a high probability they will find out about an accident you have failed to disclose. An insurance company may deny you auto insurance if they discover you have intentionally concealed accident information.

In cases where the omission is unintentional, make sure you inform your insurance company as soon as possible once you realize your mistake. By submitting the information as soon as you remember it, most companies should be able to adjust your premiums and the positive relationship between you and your New Hampshire auto insurance company may not be put at risk.

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12 Days of Christmas Downey Insurance Style

by | Dec 15, 2011 | Blog

Downey Insurance Group prides itself on providing personal service all year round, but we thought it would be fun put a little spin on one our favorite holiday classics to show our dedication to our clients. So whether you are a MA Insurance client of Downey or not hopefully you enjoy our version of the holiday classic 12 Days of Christmas. So, sing it with me now!

On the 12 Day of Christmas my Independent Insurance Agency gave to me…

12 Insurance Companies (Choices!)

11 Knowledgeable Customer Service Reps.

10 Discount options                

9 Commercial partners

8 Oops, I mean eighty year of experience

7 Claim hassles avoided

6 New England States covered

5 Best in Customer Service Awards!

4 MA registry trips avoided

3 Dedicated offices

2 Valued blog sites

And a faithful CEO named Charlie Downey!

I hope you enjoyed our version of one of our favorite holiday songs. Check out the real version here 12 Days of Christmas for a cute sing along version of the real song.

All I Want for Christmas 2011 Giveaway

by | Dec 12, 2011 | Blog

 Downey Insurance Group wants to make your Christmas a little merrier this year by giving away a New Kindle Touch for the Holidays!   Enter our All I Want for Christmas 2011 Giveaway before December 22 for a chance to win.  It is super easy, make sure you have “liked” our Facebook page and leave a comment on the picture of the Kindle Touch of your favorite holiday memory. 

Giveaway Link: http://goo.gl/1J4oA

Latest Travelers Insurance Dog Commercial – Bring on the Puppies!

by | Dec 7, 2011 | Blog

The Travelers Dog now has more to protect that ever in Travelers Insurance’s latest installment of their commercial series featuring an over protective canine.  Now with a wife and a brood of puppies to protect I am sure his doggy mind is reeling with risk assessment, as it should for any young family. An uninsured or inadequately insured tragedy can be severely damaging to a young family that is just starting out, potentially leaving them in debt or worse for years to come.  Homeowners Insurance, Life Insurance, Auto Insurance, Commercial Property Insurance and Business Insurance should be a cornerstone to the foundation of the life you are building together.  Know you have the best protection available by partnering with local professionals who have access to the markets you deserve as a consumer including Travelers Insurance.  Not with a 1-800-CALL CENTER.  Let Downey Insurance Group professionally manage your insurance needs, now and for life.

Vermont Insurance Can Even Cover Your Injuries on the Slopes!

by | Dec 5, 2011 | Blog

There are many benefits to living in Vermont and when it comes to vacation choices in your own backyard a ski trip is hard to beat. Do you have a current life insurance policy? You might want to check the fine print before hitting the slopes. Your Vermont insurance policy may have exclusions for dangerous activities, which could mean if you were to have an unfortunate accident while on the ski slopes there could be an issue with the payout. It’s always best to check and if you enjoy some of the more dangerous sporting activities, ask your agent to find you a more appropriate policy.

Hopefully your ski vacation won’t end in disaster. To help you stay safe on the slopes, having the correct sized skis is important. Here is how to make sure the skis you choose are a good fit:

  • Don’t be misled by the length of skis. Shorter skis might appear less cumbersome but beginners usually find longer skis give them more stability.
  • Skis are sized in centimeters so remember there are 2.54 centimeters to one inch.
  • Most quality skiing shops will have a chart that lists the right ski length for a person based on his or her skiing ability and height.
  • Hold the ski upright against your body, for a beginner it should reach your chin.

Every skier has to start at the beginning and people learn at different rates, so take it slow and steady to keep as safe as possible. Taking precautions to minimize the risk of injuring yourself can help keep you safe. Checking that your Vermont insurance life policy will still be valid should something unexpected happen can give you the peace of mind to enjoy your holiday.

 

 

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Hosting a Holiday Party? 5 Things You Need to Know Now to Keep It Safe

by | Dec 1, 2011 | Blog

Tis the season for a holiday get together or a party.  Whether you are hosting a party at home or a holiday party for your business, here are some tips to keep it safe.   Sometimes there is a tad too much holiday spirit flowing and you may have to intervene to keep someone from drinking too much and getting behind the wheel.  This can be a touchy subject, but at times it is necessary to action.  Here are some ways you can keep control and keep the peace from your Small Business Insurance Partner Downey Insurance Group.

Hire a bartender for your function.  This sounds expensive but depending on the size of your party it may be a reasonable option.  Bartenders for hire will carry their own liquor liability coverage, so they will be very vigilant about not over serving.  This takes the pressure off you, so you can enjoy your function.

Do not let anyone drive if they have had too much to drink.  Period.  Like I said, this can be a touchy subject but it just might save their life or someone else’s life.  Be prepared and think this through before the party and make a plan of what you would do in this situation. 

Solidify your plan.  You could have a few fellow party goers that are prepared to drive people home if necessary.  If you have worked this out up front it will be easier to ask them in the moment, and it won’t feel like you are inconveniencing them.  Another option would be to provide the overzealous partyer a place to stay for the night.

Know your liquor liability coverage.  What would happen if someone left your party and caused a major accident or worse?  Would you be liable for over serving?  You bet.  Are you covered?  If you have a standard Homeowners Policy or a Business General Liability Insurance you would be covered up to your General Liability Limit.  We recommend a minimum of $1,000,000 in liability coverage for all of our clients.  If you are only carrying $500,000 in coverage it is usually less that $50 to bump that coverage up to $1,000,000.  It is well worth the peace of mind of knowing that you will not have to pay out of pocket.

Have Fun!  Holiday parties don’t always have to involve drinking, maybe try something else entirely.  Many cooperation’s and families are doing new and interesting things for their holiday functions.   Maybe try your hand at indoor go-kart racing, or a trip to an indoor water park.