Fall Home Maintenance Checklist 2019

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6 Reasons Why Car Insurance Prices Are on the Rise

6 Reasons Why Car Insurance Prices Are On The Rise

NEW HAMPSHIRE | (603) 225-6611

Why Are Car Insurance Prices Rising?

Inflation will cause the price of all insurance policies to rise slowly, but you may have noticed that your car insurance has risen more than normal lately. Most lines of insurance cycle between soft and hard markets over a number of years, which has a direct impact on the price you pay. Now, the car insurance market is currently hardening after many years of a soft market, which has resulted in higher prices for personal auto policies.

Between 2011 and 2016, competition between insurance carriers created a soft, buyer-friendly market. Since then, however, a number of factors have caused carriers to exit the auto market or increase their prices in order to make a profit.

More Drivers Lead to More Accidents

Thanks to low gasoline prices and rising employment rates, more Americans can afford to drive. However, more vehicles on the road have led to more accidents that must be paid for by insurance carriers, and many carriers have transferred this cost to policyholders by raising premiums.

The number of accidents has also risen because of an increase in unsafe driving practices. According to the AAA Foundation for Traffic Safety, about 87% of drivers admitted to engaging in at least one risky behavior while behind the wheel, including using their phones and not wearing seat belts.

Claim Severity

The number of accidents isn’t the only factor affecting car insurance claims. The size of the average insurance claim—also known as claim severity—has increased as well. The three largest drivers of claim severity include the increase in the costs of medical care, auto repairs and auto parts. According to a recent study by CarMD, the largest repair cost comes from replacing the expensive technology that’s common in newer vehicles, as body shops struggle to afford the special equipment and training required to perform the repairs.

Uninsured Motorists

Car insurance is required in most states as a way to cover your own liability and provide compensation to others in the event that you’re responsible for an accident. Despite this, approximately 13% of drivers drive uninsured.

Unfortunately, it’s the drivers who follow required insurance laws who end up paying the price in the form of uninsured motorist coverage. According to the Insurance Research Council, uninsured claim payments have risen by 75% over the past 10 years, resulting in a $14 premium increase for every insured individual.

Autonomous Vehicles

Although autonomous vehicles that can drive themselves have the potential to save lives and reduce injuries, they could also decrease the personal automobile insurance sector to less than 40% of its current size. While this change should be gradual, many insurance carriers have been slowly increasing their rates in anticipation of the shrinking market.

Insurance Fraud

Insurance is meant to protect you in the event of an accident, but many criminals try to illegally use insurance policies for their personal gain. Most fraud schemes involve a policyholder faking an injury and blaming a third party, or conspiring to cause an accident that can be blamed on someone else.

Although insurance carriers attempt to uncover the truth during all insurance claims, the Insurance Information Institute estimates that insurance fraud costs the United States $32 billion per year. Unfortunately, much of this cost is transferred to law-abiding policyholders.

Price Optimization

Insurers commonly use applicants’ credit history as a factor in determining car insurance rates. However, they also use a practice called price optimization to see how much they can raise their customers’ rates before they decide to choose another company. For example, customers who tolerate small, regular increases to their internet or cable bills are more likely to stay loyal to their insurance carriers when premiums increase.

How Can You Save During a Hard Market?

With car insurance premiums on the rise for the foreseeable future, it’s more important than ever to be aware of the steps you can take to save on your premiums. Contact us at 603-225-6611 to discuss your options for saving on your NH car insurance policy, even during a hard market.

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We’ll get in touch to discuss the best cost and coverage options available for your NH car insurance needs.

Protecting Your Big Day; What Wedding Insurance Covers

What Wedding Insurance Covers;

Advice for your big day.

From a sudden vendor cancellation or damage to your treasured white gown, wedding insurance can protect against unforeseen problems, while also giving loving couples peace of mind.

What Protection is Provided? What Wedding Insurance Covers:

For the happiest day of your life, you must be covered! Wedding insurance protects an engaged couple’s investment in the event of circumstances outside their control and provides reimbursement for incurred expenses.

Typical Wedding Insurance Coverage Options

Most policies will cover the following losses:


Policy covers the costs of unavoidable cancellation (damage to the venue) and if the venue is in an unusable condition. Some policies will also cover the rehearsal dinner site as well.


Policy pays to repair or replace special attire they are lost, stolen or damaged.

Military or job transfer

Policy covers the postponement of the wedding due to a bride or groom being called into military duty or forced to make a last-minute job transfer.


If weather conditions prevent the couple or relatives whose presence is essential to the wedding or a majority of the guests from arriving to the wedding site, policy covers the cost of rescheduling the event, including all details, such as flowers and food.

Tips to Consider

• Do extensive research on the vendors you select before signing on the dotted line.
• Keep your deposits small, as most are non-refundable, to protect against a large loss if you need to reschedule or cancel your wedding.

Additional Wedding Insurance Coverage Options:


Covers the cost of retaking photographs if the photographer fails to show up or if image negatives are lost, stolen or damaged.


Policy pays to have a video montage created, video compilation of photographs or retaking the video using restaging techniques if the video is damaged.


Policy pays for the cost of repairing or replacing non-monetary gifts that are lost, stolen or damaged.

Personal Liability

Policy covers bodily injury or property damage caused by accidents that occur during the wedding.


Certain policies include optional travel insurance for the honeymoon.

Have one less wedding day worry!

Get more information on what wedding insurance covers, or get a free cost estimate.

Contact Davis & Towle: 603-225-6611 


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More Than 100 Million Capital One Customers Involved in Data Breach

Data Breach News Brief

July 2019

Data From More Than 100 Million U.S. Capital One Customers Involved in Data Breach

Capital One announced on July 19, 2019, that the personal information of more than 100 million of its U.S. customers was compromised in one of the largest data breaches involving a bank. In an official release from the company, Capital One noted that the information exposed includes names, addresses, emails, credit scores and transaction data. In some cases, Social Security numbers and linked bank accounts of secured credit card customers were also compromised.

Capital One noted the breach occurred when a software engineer exploited a vulnerability and gained access to a company server. The company expects to lose between $100 million and $150 million from the hack, including costs related to customer notifications, credit monitoring and legal support.

This News Brief will highlight how you can find out if you were impacted by the breach and what steps you can take to further protect your data. 

Was I Affected by the Breach?

Information involved in the breach reportedly came from credit card applications consumers and small businesses submitted between 2005 and 2019. Capital One has said that while the vulnerability has been addressed, they will continue to investigate the situation.

The company also said it will notify impacted individuals directly and offer free credit monitoring and identity protection.


What Else Can I Do to Protect Myself?

Outside of taking advantage of Capital One’s credit monitoring and identity protection services, customers should consider doing the following to further protect their data:

  1. Set up fraud alerts that notify you when someone applies for credit in your name. Equifax, Experian and TransUnion are the primary providers of this service. Placing a fraud alert does not affect your credit score.
  2. Consider freezing your credit. This prevents anyone from opening credit or requesting loans and services in your name. You will need to request a freeze with each of the three credit reporting companies, which again include Equifax, Experian and TransUnion.
  3. Monitor your credit reports and statements, and look for unusual or unfamiliar activity. Again, it’s a good idea to take advantage of Capital One’s free credit monitoring services if applicable.
  4. Stay mindful of potential scams. In an FAQ hosted on its website, Capital One encouraged customers to be aware of potential phishing scams related to this breach. They stated that they do not call or email customers asking for personal information. If you suspect you have received a fraudulent email, do not reply to it or click any embedded links.

Davis & Towle Insurance Group will continue to monitor this story and provide updates as needed.

© 2019 Zywave, Inc. All rights reserved.

Creating and Maintaining a Drug-Free Workplace

NH Small Business Resource:

Creating and Maintaining a Drug-Free Workplace

Illicit drug use and drug addictions are an unfortunate occurrence that we often see broadcasted on the evening news or even directly affecting the people we know. Businesses are not exempt from facing this epidemic as the use of drugs continues to make its way into the workplace. With companies trying to navigate through the challenges of finding qualified, drug-free employees, many have unfortunately opted not to drug test employees, and have neglected the importance of a drug-free workplace.

It’s more important now than ever before that employers have a well-established drug testing program to help reduce the potential for injuries and to prevent large losses to equipment and property from drug-related accidents. According to the National Drug-Free Workplace Alliance, businesses in the U.S. have lost billions of dollars each year because of employee-related alcohol and drug use on the job. Although there are challenges in maintaining a program, it is safer and more cost-effective, in the end, to hire and retain employees.

The following are key components to consider as part of a Drug-free Workplace Program.

A written policy that

should clearly define the components of the program to include drug and alcohol testing procedures. The program should be reviewed by your legal counsel before implementing.

Supervisor training

should be conducted to ensure the program is properly enforced.

Employee education

on the program should be performed to include the dangers of drug and alcohol use in the workplace. All training should be documented and kept on file.

Employee assistance

should be used to identify those struggling with alcohol or drug abuse and help resolve (through proper treatment) personal problems associated with it.

Pre-employment drug/alcohol testing

should be performed and drug testing for reasonable suspicion incidents and post-accident.  Drug testing procedures should be clearly defined and communicated to all employees.

Establishing and maintaining a Drug-Free Workplace Program with these components will promote the continued safety of all employees. The following resources provide additional information to implement a Drug-Free Workplace program.



National Drug-Free Workplace Alliance: “Industry Statistics.”

Central’s Bulletin on Drug-Free Workplace

 Post authored by Cory Eickholt. Originally published September 4, 2018. View original post at:


Products underwritten by Central Mutual Insurance Company and affiliated companies.

Copyright © 2018 Central Mutual Insurance Company. All rights reserved.


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