Category: Auto Insurance

31 Jan 2019
Tips to Help Employees and Visitors Stay Safe in Parking Lots

Tips to Help Employees and Visitors Stay Safe in Parking Lots

Keep Parking Lots Safe for All

Employees, guests, visitors, vendors, yourself, and others – the parking lot is an appreciated convenience for all. While you may not pay much mind to this space, disasters can happen that leave you responsible. Slippery conditions, uneven surfaces, and poor lighting can make parking lots dangerous and hazardous. A well-maintained and well-lit parking area can help to keep your employees and visitors comfortable and safe.

Slips, trips, and falls can result in serious injuries to visitors. This seemingly minor risk has the potential for lawsuits. It’s important to know the particular risks of your area and take appropriate precautions to safeguard individuals. Take a look at these tips on how to keep employees and visitors safe in your parking lot.

  • Ensure there are no tripping hazards. Make sure walkways and other paths are clear of holes, poles, rocks, and debris that someone could trip over. Curbs and sidewalk joints should be even, and level changes should be visually identified, such as marking with yellow safety paint.
  • Install adequate lighting. During non-routine work hours such as early mornings or late evenings, your parking lot should be lit well so that people can clearly see vehicles and paths. Exterior lighting is important year-round, and should be adequate for nighttime use.
  • Maintain handrails. Handrails or guardrails should be installed at level changes and for the stairs and ramps. Make sure they are stable and at the appropriate height.
  • Establish clear signage. All entrances, exits, pedestrian crossings, and parking areas should be signposted clearly. Landscaping and signs should not block driver visibility.
  • Maintain proper drainage. Standing water can be an issue for pedestrians as well as vehicles. If your business’s parking lot has standing water, there is a potential for ice during the winter, which can open you up to more risks. Make sure that drains are away from pedestrian areas and are well maintained.
  • Establish a snow maintenance program. Make sure that you have a reliable contract with a local snow removal company to make sure the parking lots and sidewalks are free of snow and ice.

Make it easy for employees and visitors to report conditions in the parking lot, whether they feel unsafe or in danger. Management should receive these comments well and take action to correct an issue promptly. Doing so can help keep your business running smoothly.

A small investment parking lot safety for your business can help to avoid disasters. To find out if your business insurance is ready for the worst, call CAV Insurance Agency on 781-237-4107. We serve business owners in the Metro West areas such as Natick, Wellesley, Dover, Sherborn, and Weston.

27 Dec 2018
What Collectors Should Know About Classic Car Insurance

What Collectors Should Know About Classic Car Insurance

Protecting Your Classic Vehicle

 

Are you the proud owner of a classic car? Maybe you’ve been thinking about purchasing one before the warm weather months hit Massachusetts? Whatever the case, there are some things you should know about insuring your classic car. Auto insurance in Wellesley, MA can be tailored specifically for your classic car, meaning that you get custom protection for your one-of-a-kind ride. To help, we’ve noted a few things that collectors should know about classic car coverage below.

 

  • Coverage is not expensive.

It’s a common misconception that simply protecting your vehicle will cost you a fortune because the vehicle is a collectible. Believe it or not, but insuring your classic car doesn’t need to cost the earth. Most insured pay less for their classic automobile in comparison with the car they drive on a regular basis.

 

  • Limited use of the vehicle is expected.

Most car collectors take great care of their vehicles and don’t like to drive them just to run to the supermarket. Insurers expect classic cars to be driven less frequently than your commuter car, and coverage is priced accordingly. Typically, collectible car policies have mileage tiers starting at 2,500 per year, and higher tiers can be purchased.

 

  • Coverage should be expressed as an agreed value.

If you are looking for higher value coverage, you will need to have the vehicle independently appraised. Unlike regular cars that lose value the minute they are driven off the dealership lot, collectible cars can appreciate in value over time.

 

  • Interested in racing? Talk to your insurer first.

Generally, classic car insurance will not cover your vehicle in a race. Until you’ve confirmed you’re protected, no racing!

 

  • Claims happen most frequently on your property.

Classic cars of often cooped up in the garage more often than they are cruising the open road. Damage to classic cars tends to happen on the owner’s property rather than the road, making the nature of most claims very different from a typical Massachusetts auto insurance policy.

 

At CAV Insurance Agency, protecting your classic car comes naturally. We have access to specialty companies such as Hagerty, Grundy, and AIG, these carriers these carriers offer policies designed specifically for your collector car they take into consideration the limited seasons we have up here to drive these cars. At CAV Insurance we serve motorists from Dover & Sherborn to Wellesley, Needham and Weston and neighboring towns. Contact us today and let us put our decades of collector car insurance expertise to work for you!

20 Dec 2018
Does Your Car Need to Clear of Ice and Snow Before Driving in MA?

Does Your Car Need to Clear of Ice and Snow Before Driving in MA?

Preparing Your Vehicle for Winter Roads

 

It’s that time of year again. Although it’s one of the merriest seasons, snow and ice can cause havoc on the roads for motorists in MA. To help you keep yourself and your vehicle safe, make sure you understand what is required of you as a driver in winter.

 

According to the Massachusetts Registry of Motor Vehicles Driver’s Manual, Massachusetts drivers should “remove ice and snow from your vehicle before driving. Clear all windows, windshield, wipers, headlights, and brake lights. Clear the roof so ice and snow does not blow into vehicles behind you.” Not only does this help you to see what’s around you, but it helps to keep the roads and other motorists safe.

 

Although there is no official law in Massachusetts stating that you’re legally obliged to remove the snow from your vehicle before driving, it does make sense. However, just because it is not a state law doesn’t mean that the state and local police can’t hand out tickets and/or fines. If the police believe that your vehicle is a threat to other motorists or pedestrians, the general driving laws could mean that you end up with a fine or ticket.

 

The Massachusetts Turnpike Authority, the Massachusetts State Police, and local police departments are legally able to prohibit vehicles from using the roadway if debris (which can include snow, ice, and frost) could fall from the vehicle and endanger individuals and/or property. For your own safety – and wallet – all of the ice and snow should be removed from your vehicle before driving.

 

For updates on road and traffic conditions around Massachusetts, drivers can dial 511 to hear real-time conditions, visit Mass 511 online, or download MassDOT’s GoTime mobile app!

 

Now is a great time to review your auto insurance to ensure you have plenty of coverage on the roads. Winter driving conditions mean that accidents and breakdowns occur more frequently. It’s wise to maintain reliable auto insurance protection.

 

To get started on your tailored policy, contact the team at CAV Insurance Agency in Wellesley. We serve motorists from Arlington to Natick, Concord to Cambridge, and neighboring towns. Contact us today and let us put our decades of auto insurance expertise to work for you!

13 Dec 2018
Driving Tips for the Winter Months

15 Driving Tips for the Winter Months in Wellesley

Tips for Safer Driving in the Snow

 

Like it or not, it’s just going to get colder from here. We know that many of our customers are seasoned Bay Staters who have driven in the cold and snow year after year. However, it’s never a bad idea to brush up on your safety. Whether you’re located in Wellesley, Sherborn, Belmont, or Boston, we’ve got just the winter driving tips that can help you stay safe on the roads.

 

  1. Never warm up your car or leave it running in an enclosed space, such as a closed garage.
  2. Make sure your gas tank is always more than halfway full in case of an emergency.
  3. Ensure your tires are properly inflated.
  4. Never use boiling water to de-ice your windshield. The rapid change in temperature can cause the glass to crack.
  5. Take your time to clear snow and ice from all windows and lights.
  6. Tune into local traffic reports to stay up to date with current road conditions.
  7. Increase your following distance, especially when the roads are slick with rain, ice, or snow.
  8. Avoid using cruise control when driving on a slick surface.
  9. Use your brakes early and gently when you need to come to a complete stop.
  10. Don’t pump anti-lock brakes. Instead, ‘stomp and steer’ if you need to make an emergency stop.
  11. If the conditions get worse, don’t drive unless absolutely necessary.
  12. Make sure your car’s emergency kit is fully stocked at all times.
  13. Take your time! Give yourself plenty of time to get to your destination so that you aren’t tempted to speed. If you are driving in the snow, remember that everything takes longer – accelerating, braking, and turning.
  14. Trucks are heavier than cars. They will take longer to safely respond and come to a complete stop, so avoid quickly cutting in front of them.
  15. Review your auto insurance to ensure you have adequate coverage.

 

Driving can be unpredictable in snowy, wintery conditions. Take proper precautions before you hit the road as well as when you’re on the road to keep yourself and those around you safe.

 

These tips will help you to stay safe on the roads this winter. If you find yourself in a bad situation or would like to speak with a Massachusetts insurance expert from CAV Insurance Agency, call us on 781-237-4107. Remember that it only takes a few minutes to get an auto insurance quote from your local insurance agency. For more winter and driving tips, stay tuned to our blog!

15 Nov 2018
Winter Maintenance Tips for Landlords in MA

Winter Maintenance Tips for Landlords in MA

MA Landlords, Get Your Rental Properties Ready for Winter 

Massachusetts winters are never quite complete without cold, harsh weather and snow. Since winter is right around the corner, it’s wise for property owners to get their buildings up to scratch. Just as we pull on heavy sweaters and gloves, properties need a bit of TLC to weather the winter ahead, too. As a landlord in the Boston are here are some essential maintenance tasks.

  • Seal up gaps in windows and doors

Walk around the property and see if you can feel any cool air being let in through gaps in the windows and doors. If you visit the property on a windy day, it may make it easier to detect any air leaks. These gaps can increase heating bills, which is not ideal for any tenant. Fill in gaps with weather-stripping and caulking to prevent cold air leaking into the property. If the caulking is dry and cracking, peel it off and replace it.

  • Service boilers/furnaces

Call out a professional to make sure that the heating system is in good condition for the cold winter ahead. Having access to heat is a basic right of all tenants under landlord-tenant law, so avoid fines by completing the necessary checks and servicing it before the winter temperatures arrive.

  • Check the insulation

Insulation helps to keep a property’s heat inside as well as lowering the utility bills for the tenant. You can have insulation installed in the attics and crawlspaces to help with heat retention. If there are any exposed pipes, wrap insulation around them to prevent them from freezing.

  • Clear out the gutters

Fall may have clogged the gutters with leaves, twigs, dirt, and other debris. Make sure to clean out the property’s gutters so that blockages do not occur. If gutters are clogged, it could prevent melting snow from being able to drain properly. In turn, this can cause roof leaks as the water will seep inside.

  • Inspect trees on the property

Snow, ice, and high winds have the potential to snap off tree branches or cause entire trees to fall. To keep your property – and tenant – safe, it’s a good idea to prune back any trees on the property. Pay attention to the trees that look weak and rotted.

  • “Add something on making sure you snow removal services are in place.”

Landlords, another great way to protect your property is to secure reliable insurance. At CAV Insurance Agency in Wellesley are ready to find the right coverage to suit your needs, property, and budget. We serve landlords in Boston, Brookline, Newton and surrounding cities in Massachusetts. Contact us to get started!

 

08 Nov 2018
Do I Need Classic Car Insurance When It’s Tucked Away for Winter?

Do I Need Classic Car Insurance When It’s Tucked Away for Winter?

Keeping Your Classic Car Covered Over Winter

Your classic car is already prepped and safely in storage. You’ve completed the essential checks and you’ve tucked it away for the winter. After all, the harsh winter conditions, road salt, snow, and ice are not ideal if you want to keep your classic car in pristine condition. You may be thinking that now it’s away for a couple of months, do you need to keep your collector car insurance active? Here’s what you should know.

You may not drive your classic car until spring rolls around, but the reality is that it’s a good idea to keep vehicles insured regardless of whether they’re currently being driven. It’s tempting to cancel your classic car insurance policy if your vehicle isn’t in use during the winter, but remember that it is still at risk of damage tucked away in the garage.

To save on premiums until you are driving the vehicle, you can consider lowering or temporarily dropping the liability coverage in your policy. However, if you plan on taking your vehicle out for a spin when the road conditions are dry, you will need to keep liability coverage in place. Driving your car now and again can help to avoid brake and clutch seizures, keep the mechanics lubricated, and avoid tire flat-spots. Only idling the car without driving it may actually present corrosion issues as the engine will not reach full operating temperature.

However, you should keep comprehensive coverage in place. In our area the most common comprehensive claim we see in the winter is a tree falling on the car or rodent damage to the car.

It’s always better to be safe than sorry. In New England we all know that the weather is unpredictable, and we can get those 60 degree days in Febuary. If there’s any chance you’ll pull your vehicle out of storage for a quick drive through Dover on days like these, then leave coverage as is.

Avid classic car fans don’t have to pause their hobby throughout the winter. Visit the home to America’s oldest car collection! The Larz Anderson Auto Museum features old and collectible cars that span the centuries. The museum also offers enjoyable and informative tours, with varied and detailed discussions on the automobile and its impact on today’s society. Check more information here!

At CAV Insurance Agency, protecting your classic car comes naturally. We have access to specialty companies such as Hagerty, Grundy, and AIG, these carriers these carriers offer policies designed specifically for your collector car they take into consideration the limited seasons we have up here to drive these cars. At CAV Insurance we serve motorists from Dover & Sherborn to Wellesley, Needham and Weston and neighboring towns. Contact us today and let us put our decades of collector car insurance expertise to work for you!

 

25 Oct 2018
The Top Cars of Pebble Beach Weekend

The Top Cars of Pebble Beach Weekend

Celebrating the Oddball and Truly Awful Vehicles at Concours d’Lemons

When it comes to Concours d’Lemons, automotive creativity has no limits. It’s this spirit of a disregard for practicality and aesthetics that makes such a delightful Pebble Beach Car week event. This year’s event has no stuffiness and no stunning prize-winners. Although there were a few entries that seemed far too put together to be displayed at Lemons, the show remained a breath of fresh air for many fancy car shows also happening.

Keep in mind that Lemons is not just an ugly car show. There are vehicles that many people have never seen before – and some that cannot be unseen! Here are just a few of our favorites from this year’s show.

This car was coined the ‘Mad Max: The College Years’ and we can see why. It’s a creation of chain link over the hood, animal skulls in awkward crevasses, and faux bazookas. It’s one of those cars that the longer you look at it, the more unusual accessories you find!

This vehicle was originally used from 1967 to 1975 by a German hospital. A car fanatic hauled it over to San Diego after it had been sitting in a warehouse for 25 years. Created from a bare Mercedes chassis by the coachbuilders at Miesen, it is quite the head-turner. The owner has fitted it with period-correct bandage boxes and original linoleum flooring (ideal for mopping up blood from accident victims).

Although it was surprisingly left out of the awards, this paean to the BMW Art Cars of yore was developed by a San Francisco sculptor and blacksmith. The throwback to the brick-era Volvo wagons was created using self-adhesive vinyl and reflective black tape.

Safeguarding your classic car comes naturally to the experts at CAV Insurance Agency. We serve motorists from Arlington to Natick, Concord to Cambridge, and neighboring towns. Contact us today and let us put our decades of classic car insurance expertise to work for you!

18 Oct 2018
How Should I Get My Classic Car Ready for Winter?

How Should I Get My Classic Car Ready for Winter?

Steps for Getting Your Classic Car Winter-Ready

People say the change of seasons is one of the many reasons they love living in Massachusetts. Along with the pleasure of the falling leaves and orange landscapes of autumn comes the pain of shoveling snow and dealing with storms in winter. Fall is the time of year when you should start to think about getting your summer vehicles ready for their winter hibernation. After all, can you justify taking your 1953 Chevrolet Corvette out on roads slick with ice and snow? We think not. To help get your vehicle ready for winter, check out these maintenance tips and spare some time to review your auto insurance in Wellesley, MA.

Storage

Ideally, you’ll want to store your classic car in a secure garage. This space should have plenty of room for your vehicle and be securely locked at all times. If you don’t have garage space available, consider renting out a room at a storage facility. Your vehicle will be much better protected from the elements under a garage roof than under a standard material cover.

Clean

You’ll want to ensure your beloved vehicle is sparkling before tucking her away for the winter. Clean the exterior, paying special attention to remove any bird droppings and tree sap that could eat away at the car’s paint. Wipe down and vacuum the interior, too.

Fuel

Fuel breaks down over time and can cause damage to your carburetor or fuel injector components. Be sure to add a fuel stabilizer to prevent a breakdown. This can keep your gas fresh up to a year. Once you’ve added the stabilizer, take the car on a quick drive around the block to ensure that the product and the fuel have mixed together successfully.

 Tires

Be sure the tires are at the proper pressure before storing the vehicle away. To avoid flat spots and increase tire longevity, prop your vehicle on the jack stands and cover the sidewalls, front, and back with a light coat of lubricant. This helps to keep the sidewalls from drying out and cracking.

Battery

Good batteries, especially for classic car models, are expensive these days. Leave a battery tender or smart charger hooked up all winter to keep your vehicle’s battery in tip-top condition. If you’ve got several classic cars you’re storing away, replacing batteries can be an avoidable expense.

Insurance

Sure, you may not be driving the beauty on the I-95 for a while, but that doesn’t mean you can skip insurance coverage. Talk to your insurer about the coverage you need to keep your classic vehicle protected over the winter months. Not convinced you need coverage? Find out how insurance can help maintain your classic car.

Safeguarding your classic car comes naturally to the experts at CAV Insurance Agency, and with access to specialty companies such as Hagerty, Grundy, and AIG, we will be able to provide you and your collector car the policy it needs. We serve motorists from Arlington to Natick, Concord to Cambridge, and neighboring towns. Contact us today and let us put our decades of classic car insurance expertise to work for you!

20 Sep 2018
How Insurance Can Help Maintain Your Classic Car

How Insurance Can Help Maintain Your Classic Car

Tailor Classic Car Insurance Coverage to Your Maintenance Needs

 

Running a classic car can be a rollercoaster of emotions. On the one hand, you can take a trip down memory lane and experience the golden age of motoring. On the other, you may find your classic car to become a labor of love – or at worst, a financial nightmare. When your classic vehicle needs repairs and maintenance, you may find that even if the price of the vehicle hasn’t gone up, the cost of repair has gone through the roof. There’s no doubt that classic cars are high maintenance, but how can your classic car insurance in Wellesley, MA help?

 

Classic car repair costs are on the rise. In addition to a higher standard of care, the number of specialist mechanics is dwindling. There are fewer people with the skills to actually repair these unique cars, and not just replace parts. Those people are hard to find, and may charge accordingly for their specialized services. The good news is that your classic car insurance coverage can help. Your policy should contain wording that would allow for specialized parts to be ordered or a specialized mechanic to be used if it is involved in a collision and is damaged. This is because the labor rate to repair a collector car is substantially higher than it would be for an everyday mass-market car.

 

Typically, a good classic car policy will also allow the collector to repair the vehicle whenever they want. Whether the car owner wants to take his/her vehicle to the most qualified shop in the country or a shop that specializes in that type of vehicle, the policy should be able to agree to the owner’s preference. More often than not, a client will want to take it back to the person who did the work originally, but if they don’t know, the insurer will be able to advise on recommended repair shops.

 

Are you an avid classic car fan? Then visit the home to America’s oldest car collection? The Larz Anderson Auto Museum features old and collectible cars that span the centuries. The museum also offers enjoyable and informative tours, with varied and detailed discussions on the automobile and its impact on today’s society. Here, you’ll be able to learn about vehicles, see them in the flesh, and get to know other collector car fans. Check out upcoming events here!

 

Safeguarding your classic car comes naturally to the experts at CAV Insurance Agency, and with access to specialty companies such as Hagerty, Grundy and AIG, we will be able to provide you and your collector car the policy it needs. We serve motorists from Arlington to Natick, Concord to Cambridge, and neighboring towns. Contact us today and let us put our decades of classic car insurance expertise to work for you!

30 Aug 2018
5 Ways to Identify a Collector Car in an Expanding Market

How Ways to Identify a Collector Car in an Expanding Market

Tips to Spot a True Collector Vehicle and Insure It 

With the value of classic cars continually rising, it has become very popular for people to appreciate the beauty of them. For some, the ability to identify a classic car is instant and natural. For others, a few handy tips help. With an influx of younger buyers like millennials entering the collector car market, the vehicles that were once teenage dream vehicles are becoming collector cars. If you would like to know more about how to identify a collector car, read on.

  • Do Your Research

One of the best ways to brush up on your knowledge of some of the older vehicles is to attend local car shows. These take place for fellow enthusiasts to get together and drool over each other’s pride and joy. A bit of time on the Internet can tell you a lot about collector car makes, models, and more. A little bit of research will help you to spot a true collector car.

  • Talk to the Classic Car Owner

A great way to get the download on a particular make and model is to find the owner. Most classic car owners will be more than happy to share their knowledge. Ask about the history, the maintenance, the drive, and more to get a feel for the vehicle.

  • Get Close-Up

Along with attending classic car shows, you will get the chance to view some of the top vehicles up close. By witnessing it first hand and taking pictures, you will soon get an idea of what kind of car you like.

Why not visit the home to America’s oldest car collection? The Larz Anderson Auto Museum features old and collectible cars that span the centuries. The museum also offers enjoyable and informative tours, with varied and detailed discussions on the automobile and its impact on today’s society. Here, you’ll be able to learn about vehicles, see them in the flesh, and get to know other collector car fans.

Don’t miss the events at The Larz Anderson Auto Museum! Here are just a few upcoming events that are ideal for collector car fanatics.

  • Porsche Day
    Saturday, September 8, 2018
    10am – 2pm
  • Mercedes Day
    Sunday, September 16, 2018
    10am – 3pm
  • Tutto Lite
    Saturday, October 13, 2018
    10am – 2pm
  • Extinct Car Day
    Saturday, October 20, 2018
    10am – 2pm

Find out more about The Larz Anderson Auto Museum events here.

Safeguarding your classic car comes naturally to the experts at CAV Insurance Agency. We serve motorists from Arlington to Natick, Concord to Cambridge, and neighboring towns. Contact us today and let us put our decades of classic car insurance expertise to work for you!