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Frequently Asked Questions
Why should I choose an Independant Insurance Agent?
An independant insurance agent can help you through
the entire process from obtaining your insurance quotes, advising as to
what coverages are and what limits are needed for each individual customer
and assisting customers through the claims process in the unfortunate
event of a homeowners, automobile or commercial insurance claim. As your
agent, CIG, Inc. will work to provide you with outstanding customer service
and guidance through the entire process. We pride ourselves on being an
outstanding resource for all your insurance needs.
Can I shop around for auto insurance rates in
Beginning April 1, 2008, all licensed Massachusetts
Drivers are now able to contact different insurance companies to obtain
personal automobile insurance quotations. When calling any agency, it
is important to provide the same limits, coverages and terms as before
and to make sure to provide a complete 6-year driving history for every
household member that also holds an active driver’s license.
I will be renting a car; Do I need to purchase
additional insurance from the rental co.?
If the car rental is being rented as a replacement
vehicle as the result of being involved in an auto accident, then the
same coverages you have on the damaged car will be the same limits on
the rental car and you do not need to purchase additional insurance.
If the car rental is to have a car while on vacation,
while your car is not available or the need to have another vehicle for
a few days, then the driver listed on the rental agreement does not need
to purchase liability as long as an active Massachusetts Personal Automobile
Insurance policy is available. However, the driver must purchase Collision,
termed the Collision Waiver. Some credit cards will act as a “shadow”
and allow the driver to decline the coverage, but will step in, should
a claim arise. Not all credit card companies offer the coverage and some
will only cover certain types of rentals. It is always best to call the
credit card company and ask for customer service. Ask the representative
if they will pick up the collision waiver. Be sure to write down the rep’s
name, time and date you called for future reference if necessary.
I am renting a hall for a family event; Do I need
to purchase additional liability Insurance?
If the person (s) signing the contract have a homeowners
policy, such as a home, apartment or condominium , then the liability
from the homeowners company should transfer without a fee to any rented
facility as long as no alcohol is sold for a fee. It is always best to
call the agent to make sure the limits of liability on the policy as adequate
for the rental. Increasing the limits is very inexpensive.
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I have refinanced my home; do I need to inform
CIG of the new mortgagee?
When refinancing your home, your lender will require
you to obtain an insurance form called an Insurance Binder. This is a
very common form that is completed in our agency every day. It is very
easy for our office to communicate with your lender to obtain the necessary
information to create the insurance binder. Please call or e-mail our
office with the name of the lender, a contact, telephone number and best
time to reach the lender. You will need to provide to our office the closing
date of the loan and if you are either replacing an existing loan or adding
another loan to your property.
I have remodeled my home. Do I need to increase
my homeowners property coverage?
When a home is insured, it is insured to be replaced
should a catastrophic loss occur. It is a requirement of your insurance
company that your home be insured to value. This is the replacement value,
not the assessed value and not the market value. When an addition is added
to a home, the overall construction value is increased. When certain rooms
are updated or appliances changed, the value of the dwelling and contents
need to be changed to make sure that the value insured against is the
true replacement value of the home and its contents. In order to ensure
that your home is insured to the correct value, we ask that you please
inform us of any additionals or major renovations that take place.
I currently have auto insurance with one company
and homeowners with another. Can I get a discount if I have both policies
with the same company?
All of our companies offer a 10% discount if your
primary residence and your cars are insured in the same company. Massachusetts
policies must use separate policies for your autos and your residence.
The same company can insure everything, just with different policy numbers
and on different forms.
In addition, most insurance company now also offer additional
auto discounts and new coverages under the 2008 Auto Reform. An example
is that is you purchase a brand-new vehicle in 2008, replacement coverage
is now available for the next 4 consecutive policy year. In addition,
Gap insurance is now available in Massachusetts using your own personal
auto insurance. You no longer have to purchase this coverage through dealers.
The same discounts still apply under the older Auto
rules such as T-Pass Credit, Low Mileage Credit, Customer Loyalty, Good
Payer Discount, Anti-Theft Discounts, Passive Restraint Discount, Senior
Citizen Discount, Driver’s Education Discount. Every Massachusetts
Auto Company offers different discounts. It’s best to call to inquire
what each company can apply to your auto insurance coverage and premium.
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