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In order to review your current
policy, request changes, or request a new policy, please
contact your Safety agent for assistance. For your convenience,
use Safety's Agent Finder
to locate your agent.
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The following
is a list of Frequently Asked Questions (FAQ's) concerning
insurance:
Auto Insurance FAQ's
How much auto insurance
do I need to buy?
Will Safety honor my good
driving credit from another state or country?
What are after market
parts?
Why do insurance
companies use after market parts?
Why are some parts
depreciated?
What are LKQ parts?
What payment options does
Safety offer for auto insurance?
What discounts does Safety
offer for auto insurance?
Homeowners FAQ's
How do I complete emergency
repairs to my home?
I don't own a car. Can I
just buy homeowners insurance through Safety?
What happens if I have
a homeowners loss and can't live in my house?
My child is away at college.
Is my child's property still insured?
If I have a claim,
will my building and contents be settled at today's replacement
costs?
I run my own business;
is my business property covered?
What are my payment
options for homeowners and umbrella?
Does Safety offer
insurance discounts for homeowners?
The following information may not be fully responsive
to your particular circumstances. You should consult your
insurance agent or lawyer for a complete answer to any
insurance-related questions.
 How
much auto insurance do I need to buy? |
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There are two kinds of auto insurance: Compulsory (Parts
1-4 on your policy) and Optional (Parts 5-12 on your policy).
The Commonwealth of Massachusetts requires you to purchase
Compulsory Insurance.
Compulsory insurance includes:
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Bodily Injury to Others |
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Personal Injury Protection (PIP) |
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Bodily Injury Caused by an Uninsured Auto |
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Damage to Someone Else's Property |
Optional Insurance includes:
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Optional Bodily Injury to Others (extends the
amount of protection you purchased under Bodily
Injury to Others) |
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Medical Payments |
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Collision |
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Limited Collision |
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Comprehensive |
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Substitute Transportation |
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Towing and Labor |
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Bodily Injury Caused by an Underinsured Auto |
You can save money by purchasing
only limited amounts of or no optional insurance, however,
you are also taking the risk that you will not be covered
if you have a claim. Your Safety Insurance agent can help
you determine exactly how much auto insurance you need.
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Will Safety
honor my good driving credit from another state
or country? |
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Generally, drivers may receive an
out-of-state safe driver credit if they indicate on the
application that no listed operator has incurred any out-of-state
incidents involving moving violations during the experience
period. As proof of your good driving record, your agent
will ask you to provide your out-of-state or foreign license
number, along with your state or country.
Foreign operators must provide a copy of their out-of-country
driving record to be eligible for credit.
| What
are after market parts? |
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After market parts are new parts
that are not distributed by the original manufacturer.
After market parts have limited lifetime warranties.
| Why
do insurance companies use after market parts? |
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The Massachusetts Division of Insurance
regulation 211 CMR 133.04 requires all insurance companies
to comply with the following: "When it is determined that
a part be replaced, a rebuilt, after market or used part
of like kind or quality, at the lowest possible price
shall be used in the appraisal."
| Why
are some parts depreciated? |
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A part is subject to devaluation
due to wear and tear, environmental conditions, or ascetic
value.
| What
are LKQ parts? |
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LKQ is an abbreviation for Like,
Kind, and Quality. LKQ are parts that are of equal years
to or newer than the part that is being replaced.
What
payment options does Safety offer for auto insurance?
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Safety offers three payment options.
Your Safety agent can help you select the one that best
meets your needs.
You can pay the entire premium in full at the time you
apply for insurance or when your policy comes up for renewal.
If you choose to pay less than the full premium, our installment
billing plan is automatically activated. After you pay
the down payment, the plan provides for 9 additional payments
that are due on the same day each month. A billing charge
is assessed on each bill. The type of billing charge depends
on the SDIP points associated with the operators of each
vehicle. A $15.00 late charge is also assessed if payments
are not received within 10 days following the payment
due date.
The SAFETY ADVANTAGE program eliminates all installment
related billing charges. With appropriate authorization,
payments are electronically withdrawn from a bank account.
You can choose the number of installments (10 maximum,
including the down payment) as well as the date payments
will be withdrawn. You can terminate the program at any
time.
Contact your Agent for
details.
What
discounts does Safety offer for auto insurance?
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Refer to Billing
Questions.
How
do I complete emergency repairs to my home?
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If covered property is damaged by
a peril insured against, Safety will pay for reasonable
cost incurred by you to protect your property.
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I don't
own a car. Can I just buy homeowners insurance through
Safety? |
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Yes, you can buy homeowners insurance
without purchasing automobile insurance from Safety. However,
when you purchase both homeowner and auto insurance through
Safety, you will receive a discount on your homeowners
insurance.
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What happens
if I have a homeowners loss and can't live in my
house? |
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Your homeowners policy provides coverage for any additional
living expenses that you incur during the time that your
home is being rebuilt.
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My child
is away at college. Is my child's property still
insured? |
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Yes. Your child is still considered a resident of your
household and will have the same coverage for personal
property as you have at your property.
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If
I have a claim, will my building and contents be
settled at today's replacement costs? |
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Homeowners provides replacement cost coverage for
your house as long as you maintain your policy limits
for the home at 80% of the cost to replace it.
Your contents are settled at actual cash value (replacement
cost less depreciation). If desired, additional coverage
can be purchased through your agent which would cover
your personal property at replacement cost.
I
run my own business; is my business property covered?
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Yes, your business property is covered. However, coverage
is limited to $250 off premises and $2500 on premises
under the standard homeowner policy. If needed, additional
coverage can be purchased through your agent.
What
are my payment options for homeowners and umbrella?
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Safety offers three payment options.
Your Safety agent can help you select the one that best
meets your needs.
You can pay the entire premium in full at the time you
apply for insurance or when your policy comes up for renewal.
If you choose to pay less than the full premium, our installment
billing plan is automatically activated. The plan provides
for 5 payments. A $4.00 service fee is assessed on each
bill.
The SAFETY ADVANTAGE program eliminates all installment
related finance charges. With appropriate authorization,
payments are electronically withdrawn from a bank account.
You can choose the number of installments (5 maximum)
as well as the date payments will be withdrawn. You can
terminate the program at any time.
Does
Safety offer insurance discounts for homeowners?
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Safety offers discounts to policyholders
who meet the following qualifications. For details, contact
your Safety Agent.
Dwellings which contain approved and properly maintained
installations of burglar alarms, fire alarms, and automatic
sprinklers may receive a selected credit to the base premium.
Dwellings which are aged 35 years or less may be entitled
to a sliding scale of premium credit.
Policies which have no losses may be entitled to a loss-free
credit.
A credit will be applied to the policy's base premium
when an insured has an active Massachusetts Private Passenger
Automobile policy with Safety. |
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