Ride Sharing and Your Auto Insurance

Ride Sharing - Uber
(Photo Credit: Uber Technologies, Inc.)

Ride sharing programs (Transportation Network Companies) such as Uber and Lyft have transformed how people get in and around cities. The idea is pretty simple. Using a smartphone app, riders can easily connect to a TNC driver to provide an alternative to traditional taxis and black cars that is convenient, competitively priced, and powered by private car owners. Chances are, you’ve probably either used or at least heard of these services.

It all sounds easy enough, but the concept is not without issues and controversy. One of the biggest issues is how traditional personal auto policies do, or more importantly, do not provide insurance protection when they are being used in a ride sharing program.

In Massachusetts and New Jersey, Personal Auto policies generally exclude coverage for accidents arising out of driving passengers for a fare, known as livery. TNCs do offer insurance plans for drivers when there is a fare in the car. When there is no passenger in the car, but the driver is waiting for a fare, there is a potential significant gap in coverage.

In addition, if an insurance company finds out you are driving your car for a TNC, they may cancel your Personal Auto coverage because of this expanded use. If you plan on driving for a ride sharing (TNC) service, you should talk to your independent agent and learn what you need to do in order to be properly insured and protected

You can read about the full insurance and non-insurance requirements for TNC vehicles and drivers on the Massachusetts Legislature’s website.

Why Your Garaging Address Matters

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(Photo Credit: Fotolia)

How much you pay for your car insurance depends on many things. These include what kind of vehicle you have, how many miles you drive, and who the operators of the vehicle are, among others. Where your car is primarily garaged is also an important factor in calculating premiums. Generally, this is your primary residence.

It is important to make sure the garaging address on your policy is correct. If you move or spend the majority of the year with your car away from your principal garaging address, you need to inform your agent so your policy remains up to date. Failure to do so may result in a denial of a claim and possibly a cancellation of the policy.

If you are unsure of what to do, you should contact your Agent to discuss your specific circumstances.

Protect Your Home from Wildlife Entry

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During the spring and summer months, the Northeast sees a dramatic increase in wildlife activity as animals come out of hibernation. Mating season for most small mammals and birds occurs around this time and as a result, there is a higher possibility of homeowner property being damaged. Mothers looking for safe nesting space for their babies will look to sheltered and secure areas. Unfortunately, this can mean the walls of attics or underneath porches. This activity can also cause both interior and exterior damage to your house – damage that is usually not covered under Section I of the Homeowners’ policy. Loss caused by animals such as birds, vermin, rodents, or insects that attempt to access shelter by utilizing pre-existing structures is not covered under most standard policies. Damage caused to your dwelling by large mammals such as bears is covered under your policy, but otherwise, it is good to take steps in order to limit the ability of animals to enter and possibly damage your home.

Here are some steps that homeowners can take to “animal proof” their home:

  • Make sure that screens, windows, and sliding doors are free of holes or tears
  • Seal possible exterior entry points in places such as roof openings and vents or holes near the base of the house
  • Adding screens over vents and placing chimney caps over chimneys will help prevent entry while maintaining smooth air flow
  • Remove any hanging tree limbs and other vegetation that is very close to the house
  • Add sturdy screening to the bottoms of porches and decks

Taking these measures could greatly reduce the risk of possible damage caused by animal activity over the next few months and into the fall, saving you time, money, and a lot of frustration in the long run.

May is Motorcycle Safety Awareness Month

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Every May, the NHTSA and state governments come together to coordinate Motorcycle Safety Awareness Month, which strives to spread awareness about motorcycle laws and education designed to keep everyone on the road safe. The number of deaths and injuries caused by accidents involving motorcycles is staggering, and many of these are caused by non-motorcycle users of the road. It’s important to understand safety issues facing motorcycles in traffic, regardless of whether your vehicle has two wheels or more. Below is a list of safety tips you should familiarize yourself with before your next ride:

For Motorcyclists:

  • Always wear a DOT-compliant helmet while riding. You are much more likely to experience severe brain damage caused by head trauma in a crash if you are wearing a non-compliant helmet.
  • Wear brighter, more reflective gear, especially while traveling at night, and make sure your lights are functioning, bright, and visible (unblocked).
  • Lane splitting may help save time and avoid getting rear-ended in heavy traffic, but it can also be very dangerous and illegal. If you’re going to filter forward, make sure it is done safely, with courtesy, and only where it is legal.

For Other Road Users:

  • Because motorcycles are smaller than cars and trucks, they can be more difficult to spot, especially in blind spots. Always check your blind spots & mirrors, use your turn signals, and use extra care when you know motorcycles are nearby.
  • Give more following distance to motorcycles. This gives motorcyclists room to perform emergency stops or maneuvers for road hazards like gravel, potholes, standing water, cracks, or train tracks that passenger vehicles can usually continue over at reduced speed.
  • Share the road with motorcyclists, but not the lane. Motorcyclists should always get a full lane width, even if it may look like there is room for a car.

For Everyone:

  • Never operate any vehicle while under the influence of drugs or alcohol.
  • Leave the phone in your pocket and just focus on the road. Distracted driving is a leading cause of accidents for motorists, cyclists, and pedestrians alike.
  • Take time to rest during long trips so you stay alert, awake, and ready for the road ahead.

You can learn more about Motorcycle Safety Awareness Month at the NHTSA’s website.

Spring Cleaning For Insurance Policies

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Once all of the snow melts and the temperatures begin to rise, it’s always a good idea to conduct a bit of spring cleaning. And while you and your family are dusting around the house and donating old clothes, it is also a good idea to review your current insurance policies and make sure their coverages are still adequate. If you have recently made improvements to your home, bought an expensive piece of jewelry, or plan on going somewhere for vacation this summer, now is a good time to talk to your agent to ensure you’re fully covered. The Insurance Information Institute has a quick spring cleaning insurance coverage checklist to help you decide if your policies need a bit of spring cleaning this year. You can view the list here.

Understanding Employment Practices Liability Risk

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Many businesses underestimate the potential risk involved with not having employment practices liability insurance (EPLI). Having a code of conduct and expertise in human resources helps mitigate most forms of unlawful employment practices, but incidents can and do still happen. Every business is exposed to employment practices liability, an area of professional liability that includes:

  • Breach of Contract
  • Sexual Harassment
  • Discrimination
  • Invasion of Privacy
  • Wage/Hour Law Violations
  • Intentional Emotional Distress
  • Wrongful Termination
  • False Imprisonment

The laws regarding these illegal practices are interpreted and enforced by the Equal Employment Opportunity Commission (EEOC), which recognizes eleven types of employment practices discrimination: age, disability, equal pay/compensation, genetic information, national origin, pregnancy, race/color, religion, retaliation, sex, and sexual harassment.

Employment practices don’t deal with just full-time employees either. Volunteers, part-time workers, contractors, customers, and vendors can all file charges against an employer for an alleged violation of these laws. With these types of charges on the rise, it is important for business owners to fully understand the laws surrounding employment practices as well as the tools needed to best protect them from potential lawsuits. For more information about employment practices liability, visit our Employer Protection resource page.

Laws Enforced by EEOC.” U.S. Equal Employment Opportunity Commission. USA.gov, n.d. Web. 16 May 2017.

Discrimination by Type.” U.S. Equal Employment Opportunity Commission. USA.gov, n.d. Web. 16 May 2017.

Locally Grown Insurance

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When people “buy local”, they do it for many reasons—the quality of the product, the reputation of the purveyor, the attention to craftsmanship and service. Our local roots are deep—we’ve been working with dedicated independent agents in your neighborhood to cover homeowners, drivers, and businesses for nearly 200 years.

“Locally Grown Insurance” embodies everything The N&D® Group has always stood for:

  • Our employees and agents live, work, and shop in your communities. So we know the people, the region, and the weather. We are committed to providing the best local service possible, from our fleet of Automated Claims Vans that can mobilize for fast, accurate, on-site appraisals and are equipped to provide settlement checks on the spot, to the fact that you can still visit our Dedham, MA headquarters and pay your bill in person, we are there when and where you need us.
  • We work with our valued network of the highest quality local independent agents. We set the bar high and make sure agents meet our demanding standards before they are appointed on behalf of our group. And we maintain close relationships with them to ensure the quality stays high.
  • A thriving community depends on the generosity of businesses who call it home. We are dedicated to the community through our work with local charitable organizations.

Because of our personal and local experience, we are able to offer coverage options that are applicable to where you live, work, and drive, and that can be personalized to your needs. Feel free to contact us or reach out to your local agent to find out how we can protect the assets you value, as well as benefit from our generous multiple policy discounts and feature-rich policies.