Does My Massachusetts Auto Coverage Follow Me to Cancun?

Before going on a long, relaxing vacation there are many things to think about including: airline tickets, hotel reservations, and car rentals.

What about your MA auto insurance?

If you have your own MA personal auto insurance policy then your coverage will follow you in the United States, U.S. Territories, Puerto Rico, and Canada.

Your coverage will NOT  follow you if you decide to go to Bermuda, Europe, Mexico or any other fabulous international destination.

The MA Coverage that follows you includes: Part 5, Bodily Injury to Others; Parts 3 & 12, Uninsured and Underinsured Motorist Coverage, your Collision and Comprehensive Coverage (including your deductible, if at fault).

If driving to Canada, give us a call, so we can provide you a non-resident proof of liability insurance Canada Card.

Planning a Trip to Canada? Call Us for Your Canada Card.

U.S. travelers to Canada are required to carry a motor vehicle liability card, plus vehicle ownership papers.

We recommend you carry a copy of your Masachusetts auto policy, as well as a Canadian Non-Resident Interprovincial Motor Vehicle Liability Card.

The Canadian Non-Resident Inter-provincial Motor Vehicle Liability Card is proof that your MA auto policy liability limits meet the minimum requirements for each / all Canadian provinces and territories and that your coverage extends to Canada and its territories.

If you do not carry a Canada Non-Resident Liability Card and if you are stopped by Canadian police or are in an accident, then you’re at risk of being fined or having your vehicle impounded until proof of coverage is furnished.

If you are planning a trip to Canada, call or click us so we can provide you with a Canada Non-Resident Liability Card.

 

Insurance Spring Cleaning

It is important to understand your insurance coverage.

Each year, like Spring Cleaning, visit, phone, or exchange e-mails with us to review your insurance coverage!

We are here to help.

Some questions to ask us:
  • Do we carry adequate liability limits? Limits should equal, at least, your net worth.
  • Should we carry Umbrella coverage? (Yes.)
  • What is the value of our vehicle? If the value is low, should we still carry collision coverage?
  • If our car loan is paid off, should we remove the lienholder on our policy?
  • Are we getting all available discounts?
  • Should you have Special Items, such as jewelry, antiques, silverware, or collectibles scheduled onto your policy?
  • Would you like us to quote your business insurance? Johnson & Rohan Insurance has great commercial markets.

Call us for your annual, insurance spring cleaning review, explanation of coverage, and discount double-check.

 

Collector Car Insurance

Collector Car Insurance

Do you own a vintage auto?  If you own a car at least 25 years old, or that might be collectible in nature, we may be able to insure it through the specialty market- great coverage at a fraction of the price.

Grundy invented the agreed value classic car insurance policy in 1947 and are a true leader in the market- insure your classic with “The Olde Original”. 

Haggerty Insurance is another established leader in classic car insurance- between the two, let us put together a customized quote from a single car to major collection.

What is your car worth? Find out by clicking: here.

 

Moving to Massachusetts

moving to Massachusetts
Welcome to Massachusetts!

A few “fun facts” about Massachusetts:

  • Nickname:  The Bay State
  • State Bird: Black-Capped Chickadee
  • State Tree: American Elm

A couple “not so” fun facts:

  • Massachusetts has the highest accident rate in the nation.
  • Massachusetts has the 4th highest auto insurance rates in the nation.
Massachusetts Auto Insurance

It’s a new day & age in Massachusetts auto insurance.  After 30 years of state set insurance rates we finally have … competition!

It’s important to have an independent agent shopping rates and coverage with numerous companies in order to find the best rates.

By design,  insurance companies have complicated, multi-tiered rating systems. In order to get the best rates, your professional, licensed broker knows which factors to apply for each company.

The dreaded: Registry of Motor Vehicles

Auto insurance and Registration (& Title) go “hand in hand” in Massachusetts. You cannot have one without the other. Massachusetts does not have insurance cards as proof of insurance. Instead you have your vehicle’s Registration. Your Registration is your proof of insurance.

Massachusetts is a “Title state”, meaning that, in order to get your vehicle registered you must also get the vehicle titled in Massachusetts.

In order to get your new, Massachusetts Plates you will need to get paperwork from your insurance agent or company.

We  will have you sign an auto insurance application, and provide you with an insurance stamped, RMV-1 Form.

Our Registry of Motor Vehicles service is complimentary (free) for our clients.

If you are new to the state with out of state registration, the Registry will look for your original title and a total of $86 ($50 for your new MA title & $36 for your new, MA plates/registration).

If a bank/lienholder has the title to your vehicle then, perhaps, a memorandum title can be issued. If so, the Registry will require a copy of your existing Registration and, if owned less than 6 months, proof of sales tax paid.

We recommend that you get a Massachusetts auto insurance quote through our website. Once you like the premium and coverage options that we show you, we will assist you with all aspects of Massachusetts insurance!

Insurance Spring Cleaning

Insurance Spring Cleaning

Insurance Coverage …

It is important to understand your insurance coverage.

Each year at renewal time, visit, phone, or exchange e-mails with us. We are here to help.

Become an engaged insurance consumer!

Some questions to ask us:

  • Do we carry adequate liability limits? Limits should equal, at least, your net worth.
  • Should we carry Umbrella coverage?
  • What is the value of our vehicle? If the value is low, should we still carry collision coverage?
  • If our car loan is paid off, should we remove the lienholder on our policy?
  • Are we getting all available discounts?

Call us for your annual insurance review, explanation of coverage, and discount double-check.

Personal Umbrella Coverage

Personal Umbrella Coverage

Personal liability umbrella policies help safeguard you against financial hardship in the event of a lawsuit.  They provide liability coverage that sits on top of your home and auto (and boat and second home if applicable).  Umbrellas are available in million dollar increments from $1,000,000 to up to $10,000,000.  Defense costs are also included- on top of the liability coverage and often the defense costs are higher than the damages awarded.  The costs are low and the coverage deep.  We believe the average family should have at least a $2,000,000 umbrella sitting over good auto and home liability limits.  Here are four situations where you should consider even higher limits:

Homeowners with pools

From 2005-2014, there were an average of 3,536 fatal, unintentional drownings (non-boating related) annually in the United States- about ten deaths per day. About one in five people who die from drowning are children, aged 14 and younger. For every child who dies from drowning, another five receive emergency department care for nonfatal submersion injuries.  More than 50% of drowning victims treated in emergency departments require hospitalization or transfer for further care.  These nonfatal drowning injuries can cause severe brain damage that may result in long-term disabilities such as memory problems, learning disabilities, and permanent loss of basic functioning (e.g. permanent vegetative state).

Dog owners

Dog bites are the single largest cause of liability loss to insurance companies.  Big dogs bite.  Little dogs bite.  In conclusion even the nicest of dogs can have a bad day- and the damage they do comes back to (ahem) bite it’s owners.

Parents of teenage drivers

The National Highway Transportation and Safety Administration reports that in 2015, 1,886 drivers aged 15-20 perished in auto accidents.  An additional 195,000 were injured in car crashes, so young drivers (ages 15-20) account for 5.4% of total drivers but for 9% of those drivers involved in fatal crashes.  An umbrella policy provides a serious layer of protection between you and all you have worked for.

Families with toys

Motorcycles, four-wheelers, snow mobiles, boats, jet skis- they sure are fun.  But accidents resulting from their use can often be extensive and end up with expensive bodily injury claims.  Again, use your umbrella to protect your home and family.

So if you are taking the time to read this and don’t have an umbrella policy, or you think your policy might have limits too low, give us a call to review.  (781) 224-0909.

More Snow? Oh no …

Johnson & Rohan Insurance Claim Reporting Numbers

As the most recent storm moves out to sea, rest assured you can report a claim to Johnson & Rohan Insurance 24 hours a day, 7 days a week.

Some of our popular, after-hours claim numbers:

Travelers:     1-800-252-4633

Safety Insurance:    1-800-951-2100

Vermont Mutual:      1-800-435-0397

Progressive Insurance:    1-800-274

MPIUA:      1-800-392-6108

 

 

Distracted Driving

 

Distracted Driving

Distracted driving is the most common cause of accidents.

The most common distraction is texting or looking at your cell phone.

The National Insurance Highway Institute describes 3 types of distractions:

  1. Visual – taking your eyes off the road;
  2. Manual – taking your hands off the wheel; and
  3. Cognitive – taking your mind off what you’re doing.

In order to best avoid distractions: put away any device that might tempt you to stray away from the driving task at hand.

If you have kids in the car, make sure they are securely in their safety seats before departing.

If you have a long road trip in front of you, make sure you are well rested and alert.

 

 

Johnson & Rohan Insurance Review

Johnson & Rohan Insurance Review

Chances are, when you insured with Johnson & Rohan Insurance, we saved you a bundle of money.

If you’ve been insured with us over the years, hopefully you’ve been impressed by our dedication and professionalism.

We shop coverage, we recommend improved limits, we assist at claim time and help with billing problems.

We advocate for our clients.

As a small business, online Google reviews are extremely important. If you’ve been satisfied with our service, please write us review!

Click here to give Johnson & Rohan Insurance a review.

Thank you for insuring with us.

Johnson & Rohan