Frequently Asked Questions

Frequently Asked Questions: Personal

Do I need extra insurance when I'm driving a rental car?

In general, no, however there are certain qualifiers. Coverage only extends to rental cars in Canada and the United States, and you must have full coverage on at least one vehicle on your policy. However, you may still be held personally accountable for the car company's "loss of use," or the amount of money they lost by not being able to repair the car while it was being repaired.   

What is a Personal Umbrella Policy?

Personal Umbrella Policies pick up where the standard policy ends. Coverage amounts range from 1-5 Million Dollars, and protect your personal assets when your auto, home, etc. policies have paid out their liability limits on a substantial claim. Think of it as your insurance safety net. 

How do I pay my bill?

Chase and Lunt Insurance only accepts cash and personal checks at our State Street office. Please contact your company for credit card payments. If you are interested, your customer service representative can often set you up for Electronic Funds Transfer (EFT) in just a few minutes, which can often save you money. 

What's the best way to insure my antique car?

Contrary to what you may think, insuring your antique car may be the least expensive part about owning one! Chase and Lunt Insurance writes with several companies that provide outstanding coverage for antique cars that provide guaranteed coverage in the event of a loss. 

How can I request a certificate?

Soon you will be able to do it online! Until then, please fax us a request with the following information to 978-465-6204: 

For Condominiums: 
Name of Condominium
Buyer's Name
Property Address
Any Other Necessary Information

I'm a sole proprietor in Massachusetts, do I need workers compensation coverage?

Sole proprietors are not required to carry workers compensation unless they hire an employee (even a part time employee) or hire an uninsured subcontractor. Sole proprietors are automatically excluded from coverage on a Massachusetts workers compensation policy, but can opt in to purchase coverage for themselves. 

What is a general liability or workers compensation audit, and do I have to comply with it?

Your insurance company will audit your sales and/or payroll at the end of each policy term to determine the actual figures. The reason for auditing is that your premium is based on an estimated sales or payroll exposure. Once the policy term is complete the actual sales or payroll is determined and the premium is adjusted accordingly. You are required by policy provision to comply with an audit in the time frame requested. Failure to meet the terms of the audit could result in an automatic additional premium or policy cancellation in some cases. 

If I rent a car, do I have to purchase the insurance from the rental company?

That depends. Your commercial auto policy has the capability to provide both liability and physical damage coverage to the rental car itself. You will need to speak with your account manager to see if these coverages have been triggered on your policy. 

Frequently Asked Questions: Claims

Help! Something bad has just happened to the property I insure with you, what do I do?

Please make sure you take care of any medical emergencies immediately, and do whatever you need to do to prevent additional damage to your property or harm to others. Take plenty of pictures of the damage as long as you stay out of harm's way. Do not make any permanent repairs until an adjustor can see it. 

Now that the immediate issues are handled, please report your claim directly to your insurance carrier, or Roberta, the claims manager here at Chase and Lunt. Visit our claims page for all the details.

I filed my claim, what happens next?

You should hear from an adjustor within 24-48 hours, with the rare exception during major events, such as hurricanes. Learn more about what to expect after filing a claim, or call Roberta, Chase and Lunt's claims manager at any time, at 978-225-6351

How do I get a crack in my windshield (or other glass on my automobile) repaired?

Good news! If you have comprehensive coverage on your auto, there should be no cost to you to repair your windshield.  Most times we coordinate the replacement or repair directly with the class company for you by providing them with the policy number and coverage verification.

Generally, if the crack in your windshield is larger than a dollar bill, the windshield will be replaced. Otherwise, the chip or crack will simply be replaced. 

If the glass is shattered after hours or on the weekend, try to cover the opening to protect the interior from the elements and further damage until you can reach us. Visit our claims page for more emergency information. 

We work with great glass companies that will come right to your vehicle to make the repair, with only a few requirements. Call Roberta at 978-225-6351 for your next steps. 

For More Details...

Did our FAQ's not cut it for you? Vist our Personal, Commercial or Claims pages for more information!

Learn More About Chase and Lunt Insurance

Get the details about the agency, the history, and community involvement in the About Us section.