Office Hours: Monday - Friday, 8:30a.m. - 5p.m.
Nights and weekends by appointment.
8 South Rd, Somers, CT 06071 (860) 763-4077
Nights and weekends by appointment.
8 South Rd, Somers, CT 06071 (860) 763-4077
What happens if I am late paying my bill?You may have late fees charged
You renewal premium may increase based on payment history
You may lose your installment options and will have to pay the balance
It is a mix of credit scoring, motor vehicle and clue reports (violations and accidents) and your payment history. Companies now have many tiers. Tiers are the level of rates offered by insurance companies to their clients. Your insurance score determines the tier you will be placed in along with the town you live in.
An umbrella is a separate coverage from your home and auto that provides additional liability above and beyond the liability portions the insured’s home and auto liability offers. We strongly recommend it.
Yes. When your policy is written and the applications are signed you agree to complete the audit that is sent out. The audit is on the prior year’s policy and is to make sure the numbers that were used for writing or renewing the policy were accurate. An audit needs to be done even if you have switched companies and are no longer with the company looking for the audit to be done.
Not Sufficiently! An estimated 43 million Americans operate full or part timer businesses from their home. Most homeowner’s policies provide only $2,500 property coverage for business equipment and $250 away from your home. If a business credit card is stolen, a power surge destroys data on your computer or a lawsuit over a business related matter you are not covered. We write inexpensive in-home business policies to pick up many of your needs.
NO! In fact many people do not realize that if water leaks into their basement through the foundation and no neighbors have the same flooding occur, no policy will cover that.
Yes. The Volunteer Protection Act provides liability protection for harm a volunteer may cause as long as the volunteer was acting within the scope of their volunteer responsibilities, they were properly licensed if required, the harm was not willful (or illegally caused) and not caused by operating an auto. Be careful if you are a director of a non-profit organization since the homeowners insurance covers you if your negligence causes someone bodily injury or property damage, not for financial injury.
Does my homeowners insurance cover my boat, my snowmobile, my quad, and my dirt bike? The “short” answer is NO. There is a policy designed to insure each of those types of policies specifically because the homeowners either does not cover them or barely covers them.
We need to consult the association bylaws to determine what is your responsibility to cover versus what is the association property. We can assist you in that endeavor.
There is a curfew at 11:00. Parents will need to take 2 hour class, the youthful driver license will be suspended if any rules not followed. No one else in auto until 1 year of driving under there belt. Refer to link for more details http://www.ct.gov/teendriving/site/default.asp
As the age of a vehicle increases, the value of it decreases so it would make sense for the collision premium to go down over the years for a total loss. However, the cost to repair a vehicle keeps going up (parts and labor) so your premium may not go down.
We recommend that when a car is 10 years or older that you look into the market value of the vehicle either on kellybluebook.com or in the Sunday paper. When you know the value of the car you would lose in a total loss, you can determine if the insurance premium is worth keeping the coverage.
Uninsured/underinsured motorist is coverage that protects you, your resident family members or people occupying your vehicle. The coverage is “triggered” when you are injured by someone who is negligent in the operation of their vehicle which causes you injury. You could be in your vehicle, someone else’s vehicle or not in a vehicle at all. The point is that you are injured by someone else’s vehicle. If that someone else does not have auto liability insurance, or does not have enough coverage, your own automobile insurer will settle with you as if they represented the other party under this coverage.
Whatever coverage you have on your vehicles will follow you while driving a rental vehicle in the US or Canada. Unfortunately, the rental companies can also hold you responsible for their loss of rental income while the vehicle is being fixed. Your auto insurance doesn’t cover this but some credit cards may.
One. In fact, if you go to an insurance company’s preferred repair shop, you don’t have to get any and the work is guaranteed.
Probably not! According to most auto policies, you are covered while using your vehicle or a temporary substitute such as a rental car on vacation. If your adult child is a resident of your household, their car may be available for your use and as such, not a temporary substitute for your car.
No, if you have homeowners insurance, that covers your personal property that is stolen from a vehicle but unless the personal property was permanently installed in the vehicle, it is not covered.
How do I get in touch with the State of Connecticut Department of Motor Vehicles?Monday, Tuesday, Wednesday and Friday - 8 a.m. to 4:45 p.m.
Thursday - 8 a.m. to 7 p.m.
Saturday - 8 a.m. to 12:30 p.m.
The Telephone Center number is:
860-263-5700 (Within Hartford area or outside of Connecticut)
800-842-8222 (Elsewhere in Connecticut).
or visit the official website
Your tax dollars pay for a system already in place to hear and respond to grievances. Visit the official website