The Arklein Insurance Agency, Inc.

Services

       Please contact us to discuss all of your insurance needs.  We can help you get your car on the road by handling the paperwork or we can help protect your new home by providing an insurance binder to your bank or attorney on timely basis. We can protect you and/or your family should a breadwinner become disabled or die. Our goal is to provide you with peace of mind. 

        Services Provided

  • Review Existing Policies
  • Understand Your Objectives
  • Recommend Appropriate Coverages
  • Compare Different Companies
  • Provide You with a Written Proposal
  • Provide an Annual Review 
  • Assist You at the Time of Claim

        Products offered:

  • Auto Insurance
  • Homeowners/Tenants Coverage
  • Life Insurance
  • Disability Income Insurance
  • Condominium Insurance
  • Group Medical Insurance
  • Medicare Supplement
  • Annuities
  • Flood Insurance 

        When it comes to purchasing auto insurance, it is important to remember that good coverage is essential.  For instance, we recommend that customers have high limits of liability insurance to protect them in the event that they are at fault in an accident.  We also recommend Comprehensive and Collision coverage for most customers. Collision coverage will pay for damages to your auto, after a deductible, if you are at fault. However, the amount paid will not exceed the actual cash value of the vehicle in most instances, unless you purchased a new car in the recent past, and you added replacement cost coverage to your policy. Some companies will not offer replacement cost coverage if your vehicle is over two to four years old.   

       Comprehensive coverage protects you in the event of fire, theft, vandalism, and glass loss.  If you do not have access to another vehicle in your household then you should consider adding Substitute Transportation coverage.Towing and Labor coverage is also an option and many people will opt out of it if they have an auto club, however, it is very inexpensive. 

      Property Damage coverage protects you in the event that damage another car or other property (a fence, a house, a telephone pole, etc.) We recommend a minimum coverage of at least $200,000. Optional Bodily Injury protects you in the even that you hurt another party, or parties, in an at fault accident. Compulsory Bodily Injury coverage is only $20,000 per person and $40,000 per accident, therefore you should consider at least $250,000/$500,000 for this coverage. Underinsured and Uninsured Motorist coverages protect you in the event you are injured by another driver who has no insurance or low limits. We recommend that you have limits on these coverages that match the Optional Bodily Injury Coverages. You should also consider an Umbrella policy that adds at least a minimum of $1,000,000 of liability protection (if you qualify) over your auto policy limits. 

       Please make sure that you review your auto policy annually to make sure that it provides you with the coverages that you need and want. The worst time to find out that you are inadequately insured is at the time of a claim.  

       Finally, if you combine your home and auto policies with one of our companies you may qualify for substantial discounts on both policies. This is just another way for us to offer you the best coverages at a really competitive cost.         

The Arklein Insurance Agency, Inc.  

Phone: 978-535-3500   Fax: 978-535-8892

Please note you cannot bind or alter insurance coverages by e-mail, fax, or by leaving a message on our answering machine.  Please speak with one of our representatives in order to alter coverages.

 

 

  Annisquam Light 

Useful Links & Phone Numbers  

Pay Your Bill or File a Claim

Commerce Insurance Co.:  www.commerceinsurance.com

Foremost Insurance Company: www.foremost.com 

Safety Insurance:                 www.safetyinsurance.com

Mass Property:                  www.mpiua.com/insured/

National Flood Insurance:  https://www.floodsmart.gov/

MA Dept. of  Transportation:

http://www.massdot.state.ma.us/rmv/        

Operator Crash Report Forms Massachusetts Registry of Motor Vehicles:

https://secure.rmv.state.ma.us/CrRequest/Public/Intro.aspx

Renewing or Cancelling Your Registration

http://www.massrmv.com/

Renewing Your License:

https://atlas-myrmv.massdot.state.ma.us/myrmv/_/

Registering Vehicles Acquired from Family Members

http://www.massrmv.com/rmv/regs/reg3.htm

Social Security Administration: www.ssa.gov 

Emergency Claim Numbers

Open 24 Hours per Day, 7 Days a Week  

Commerce Insurance Company: 800-221-1605

Safety Insurance Company:         800-951-2100

Foremost Insurance Company:   800-527-3905

Mass Property:                              800-851-8424       

National Flood:                              888-379-9531