How to Protect Yourself Against Uninsured or Underinsured Motorists

A car accident involving two vehicles. A white sedan rear-ending a silver pickup truck.Despite New Hampshire being the only state in New England that does not require minimum mandatory car insurance, the number of uninsured or underinsured motorists on the road remains surprisingly high. If you’re unlucky enough to be involved in an accident with an uninsured driver, although you’re not at fault, you’re still at risk of suffering substantial financial losses. Fortunately, there are some policy options to protect yourself against uninsured or underinsured motorists. [Read more…]

What Happens If Your Vehicle is Totaled?

A blue car on the side of the road that was rear-ended by a white car.When you take your insurance’s definition of a total loss into consideration, it’s easy to see why a seemingly minor dent totaled your 2007 Saturn Aura. By most definitions, a vehicle is considered totaled when the cost of repair exceeds the actual value of the car. If your car’s value is low enough, even a slight fender bender can result in a total loss declaration. However, though it’s easy to understand how a car can be considered totaled, it’s less obvious what happens after your vehicle is totaled. Let’s review the insurance process and what this designation means for you. [Read more…]

Why You Shouldn’t Neglect a Vehicle Recall

We likA mechanic in a manufacturers auto body shop inspecting a car's engine due to a vehicle recalle to think that the vehicle we drive is safe and reliable, but malfunctioning parts are far more common than we think. Even when we receive a vehicle recall notice in the mail, it can be easy to ignore the problem, as fixing it can be a considerable inconvenience. However, it’s essential to recognize how important these recalls are, as even the smallest malfunction can lead to life-threatening situations. Not only can ignoring recalls be a threat to your safety, but they can affect your insurance and result in legal ramifications. It’s time to understand how neglecting a vehicle recall can hurt you. [Read more…]

Safety Tips While Driving with Pets

A dog in a cloth carriage restrained in the rear seat of a car using a pet leash, signifying keeping your pet safe while driving.Animal-lovers tend to think of pets as members of the family. Pet owners will often take their dog or cat along with them to the local groomer, pet store, or even on road trips. However, whereas humans can take precautions when driving, such as fastening their seatbelt, it’s much more difficult to impart the same level of safety for our pets. Seeing as animals can often be rambunctious and unpredictable, it’s best to become aware of some safety tips while driving with pets. [Read more…]

Why Do You Need Car Insurance?

Getting in a car accident can be one of the most expensive events the average person will experience, and simply being a good driver can’t guarantee it won’t happen to you. Repair costs and medical bills often cut a little too deep into your wallet for comfort. Choosing not to protect yourself with insurance may save you a little money today but could seriously hurt you in the long run. Investing in auto insurance can assist you in paying for car repairs, recovering from injuries, and covering the costs of others if you are deemed liable for the accident.  [Read more…]

Know the Rules: Who is at Fault After a Car Accident

Know the Rules: Who is at Fault After a Car Accident - TJ Woods - Worcester, MAAlthough car accidents are rare, they do happen, and they can be costly for either one or both parties. The way to determine who foots this bill is understanding who is at fault. It is absolutely essential to determine who is at fault in a car accident, otherwise an innocent driver might have to pay an exorbitant amount for something they did not cause. The person who is at fault may also have to pay for the other parties’ medical bills, damages to the car, and see his or her insurance premiums increase. So here is how to determine fault after a car accident.

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