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The MA Safe Driver Insurance Plan or Massachusetts SDIP, was created in 2006 to replace the old “Step Based” system that was previously in place.  The new SDIP Point system was designed to be a cleaner and easier system for Massachusetts drivers.

The MA SDIP premium adjustment is the last rating factor that is applied during the Massachusetts Auto Insurance rating process.  The MA SDIP system allows drivers to have more control over their Auto Insurance rates, because your driving record controls your Point Value allowing the safest drives to be rewarded with the best rates possible. 

June is a great time to spruce up your home with a remodel, but
beginning a home remodeling project can seem daunting at first. Hiring
the right contractor will make your home remodeling project a breeze.

Having the right protection, with Massachusetts Homeowners Insurance, MA Business Insurance or Flood Insurance can make a world of difference when it comes to natural disasters.

An Independent Insurance Agent is a great ally in navigating the insurance market and can be an excellent resource four you by evaluating your specific risk vulnerabilities, personally or in your business.  An unexpected disaster can drain the life blood from your business, or can cause tremendous headaches and financial hardship for you personally if you are unprepared.

We here are Downey Insurance take Employee Health and Fitness very seriously.  Last year we started running an in house Yoga program taught by one of our own very Customer Service Representatives who also happens to be a yoga instructor. We even have a space...

Downey Insurance’s own President, Charlie Downey, will be performing with his band at Blue Grass on the Bogs, a local blue grass festival happening this weekend May 17-19 at Camp Kiwanee in Hanson, Massachusetts.

With a very small number of exceptions, every employer in the State of Massachusetts is required by law to carry an active Massachusetts Workers Compensation Policy.  Generally, if you have employee’s you need coverage.  Most business owners in the state know that they need to carry Massachusetts General Liability Insurance to protect themselves from law suits from the public, but not everyone is aware that not carrying the proper Workers Compensation coverage can also set you up for a law suit.  An injured employee has the legal right to file a civil action or lawsuit against their employer, and will most likely be guided to so by a personal injury attorney. 

Residential Break-ins and burglaries are on the rise in parts of New England this spring, especially in New Hampshire.  Being prepared is the number one way to protect yourself and your home from this danger and to make sure you can recover quickly.  The period of time after a break in can be trying and confusing if you do not have certain important information readily available to you and your New Hampshire Homeowners Insurance company.  We know how traumatic a break in can be, we have been through it many times with our clients. With that in mind we have put together this list to help you be as prepared as possible.

Does the thought of planning a vacation make you cringe?  It would be so
much easier if vacation plans just made themselves and we didn’t have
to worry about booking flights, packing bags, renting cars, or making
hotel reservations.  The good news is there IS a vacation you can take
that eliminates all those hassles: take an RV vacation.

After the shock wears off, many of us, even our “non-insurance industry” friends will turn to the facts and processes of what comes next.  The big insurance questions seem to revolve around terrorism coverage and the businesses affected, and the options for legal recourse available to those injured and the families of deceased.

There are 2 incidents that will result in SDIP points being applied to your driving record in Massachusetts: At-Fault Accidents and Traffic Violations.  The appeals process is handled differently by the State of Massachusetts for each of these incidents.  If you need additional information on SDIP points and how they affect your driving record we have more information on our Downey Insurance Group blog here: Massachusetts SDIP Points Explained.