Pevear Insurance Agency

Forecasters are predicting a cold blast this coming weekend, which could increase the risk for frozen and burst pipes. Starting Friday and extending to Monday, we are likely to see sustained below-freezing temperatures. Here are some tips that may help prevent these risks from becoming reality:

Leave the heat on
• Set the thermostat and keep it at the same temperature day and night—especially if a home or unit is unoccupied.
• Smart thermostat? We recommend temporarily reprogramming smart thermostats to remain at a constant temperature.

Stop the water flow
• Drain and shut off all outside spigots.
• Mark the main water supply line at r home or business so it can be easily identified and shut off in the event of an emergency.
• If going away, be sure to shut off the water supply line to the washing machine.

Warm air in, cold air out
• Open the kitchen and bathroom cabinet doors to allow warm air to circulate around plumbing.
• If you have an attached garage, keep the doors shut. Cold wind can increase the likelihood of a frozen pipe

Just a skit to bring a smile to all our Commercial clients

The Mines of Moria get audited

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Insurance Policies! Insurance Policies!

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Recently we have had some questions about surcharges from the Merit Rating Bureau. Anything over $1000, up to $5,000, is a 3 SDIP point surcharge, and anything over $5,000 is a 4 SDIP point surcharge. Major and minor traffic violations are determined at the discretion of the Merit Rating Bureau. Breaking minor road rules, like speed or improper passing, incurs a 2 SDIP point surcharge.
In Massachusetts, surcharges on auto insurance due to accidents or traffic violations typically last for six years from the date of the incident. While the surcharge's impact on your premium may lessen after three years, provided there are no new violations or at-fault accidents, the incident remains on your driving record for the full six years.

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Tractor Trailer Crash Tractor Trailer Crash

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Intentional acts are not covered by insurance

Road Rage Coverage Road Rage Coverage

A traffic violation may not result in a surcharge, but it will result in losing SAFE DRIVER CREDITS. This can cost about $200 annually for three years. Be safe. It's not the cost of the ticket that will hurt your wallet, it's the cost in the insurance premium