Scooter Risks

The popularity of electric scooters has increased dramatically in the last few years. More and more people are renting or even buying scooters. Unfortunately, many people fail to understand the associated risks and don’t realize they are likely not insured against them.

If you’re riding a scooter and are involved in an accident, how will you pay for any needed medical care? Your personal health insurance may cover you, but what if someone else is harmed and it’s your fault? And what if you damage someone else’s property? Will your homeowners or auto policy offer any protection? These are all important questions you should look into before stepping on to a scooter.

If you’re thinking of buying or even renting a scooter, be sure to talk with us first to learn how you can protect yourself in the event of an accident. Call or stop by our offices today.

Smart Home Safety

It’s pretty cool that an Internet connected fridge can alert you when you’re low on milk, but what if that ability prevents your home security system from doing its job? Researchers recently uncovered widespread flaws in home technology that could allow hackers to make this happen – and that’s just the tip of the iceberg.

The Internet of Things (IoT) is relatively new and the security features of many home technology products has yet to be fully tested, let alone thought through. So, if you’re an “early adopter” of home technology, we urge you to do your homework and stay informed/updated about the products you connect to your home network. Pay particular attention to your network router, as this is the access point to everything on your network.

The Key To Car Theft

The overall number of car thefts has greatly decreased over the last 15 years, but the numbers also show a significant increase in some types of car theft – in particular, when people leave their cars running.

Letting your car warm up in the driveway on a cold day or leaving your car running to dash into the store for a quick purchase – these are the types of situations that have led to a sharp increase in car thefts. You may think, “It’s only for a minute or two”, but that’s all it takes.

Don’t take a chance. Always take your keys and key fob with you. It will keep your car safe and help keep your insurance costs from increasing.

Holiday Gathering Gotchas

Now is the time many people begin planning holiday parties. Some will even hire vendors to handle catering, bartending, parking and decorations. If you’ll be doing the same, keep these tips in mind to avoid liability claims.

The Basics
Make sure you know the vendors you hire. Check them out as much as possible and make sure they’re licensed, bonded and insured – it helps to get details such as coverages and carriers. Also, make sure to get a signed contract.

Alcohol Safety
If you hire a bartender or a caterer that serves alcohol, be sure they have liquor-related liability coverage. Let them handle things once the party begins – including pouring all drinks and checking IDs. Not doing so could impact some liability coverages. They should also know to cut off anyone who appears to be over the limit.

Parking Plans
Hiring valets/parking attendants helps minimize collisions on your property, keeps roads clear and eases arrivals and departures. Whether you hire someone to park cars or not, be sure to keep walkways clear and add additional lighting for safety.

Decoration Decisions
If you hire a decorator, be sure to tell them where people will and won’t gather. This helps them choose the right decorations for the locale. For example – candles in a high traffic area are a recipe for disaster. Be sure to point out all electrical outlets too – this helps avoid overloads.

Read & Ride Winners

Estabrook & Chamberlain partnered with the West Bridgewater public library again this year to sponsor the 2019 Summer Reading Program. As in past years, the program’s intent is to help kids expand their knowledge and horizons through reading. The Read & Ride program also offers young readers the chance to win a new bike – just for reading one book over the summer.

This year’s participation was outstanding once again and we’re proud to announce the winners.

Back row (left to right)  Nanette Ryan, Tom Chamberlain and Noah Edlund

Front Row (left to right) Elena Mulcahy, Aiden Cappiello, Christian O’Connor, Isabella Patenaude, Severiana Pacheco, Shea Marchetti and Ava Dragonetti.

Here For You

In addition to helping you protect the things that matter most to you, we also provide a range of services to make your life easier, including:

Free Registry service every day – Mon.-Fri.
Our staff will assist in reporting any claim and provide advice on what to expect during the claim process, and all the way through the settlement process. We even have staff available on weekends to assist with claims reporting when our office is closed.

E&C can utilize up to 7 different insurance companies to build coverage that’s specific to your needs at a price that’s most affordable.

Web site services:
We provide answers to the most common insurance questions via the FAQs section on our web site.
Our blog contains numerous useful tips and articles from our newsletters – over 8 years worth for you to peruse.
Save time and money by getting a fast auto or homeowners quote, right from our site.

Estabrook & Chamberlain – working hard for our clients everyday. Call today or visit our website for more information on all the services we offer.

Canadian Cards

We’ve written about this in the past, but as the warm weather approaches and people begin to plan their Summer vacations, a reminder doesn’t hurt.

U.S. citizens driving over the border will need to show evidence of auto insurance when they travel into Canada. For our customers planning to visit the Great White North, this Summer or anytime, we can issue a card for you. To obtain yours, call or stop by our office. Best to do it now, before vacation planning gets too hectic.

Insurance 101

Your child just graduated college, which means they’re prepared to face the world on their own, right? Maybe. While college may have provided them with insight on some of the most advanced subjects, many college grads lack a basic understanding of everyday finances – in particular, the value and necessity of insurance.

Smart parents will have taught their kids how to balance a checkbook or how to prepare a simple budget, but when it comes to teaching their kids about insurance, many parents get a failing grade. This is unfortunate because young adults with an understanding of the benefits of renters’ insurance, coverage limits, liability insurance and more are much better prepared to face the world than those who do not.

For help in schooling your new graduate on the benefits and necessity of insurance, stop by our office today. We’ll be glad to help.

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