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 Life Insurance.

Johnson & Rohan life insurance.

Johnson & Rohan life insurance.

“Life insurance is for the living.”

When I hear someone has passed away, as a life insurance agent, I almost immediately think: did they have life insurance?

For family protection, the most pure life insurance product is: term life insurance.

Term life insurance is defined as: (n) Life insurance that pays a benefit in the event of the death of the insured during a specified term.

Term life insurance offers the biggest face value for the lowest annual premium.

We provide no obligation, term life rates with the top-rated and most-competitive companies.

Johnson & Rohan Insurance will help you: educate, calculate the amount of life insurance needed, rate, compare & apply for life insurance.

If you don’t have an Umbrella Policy, you should.

If you don't have an Umbrella Policy, you should.

If you don’t have an umbrella policy, you should. It’s an important part of one’s financial portfolio. Umbrella Insurance protects your assets.

A Personal Liability Umbrella Policy “sits-over” your home and auto liability limits. Coverage limits start at $1,000,000 (up to $5,000,000) and provides you protection from lawsuits.

Coverage is relatively inexpensive to purchase. $1,000,000 of coverage sitting over two autos and a home would cost about $180 annually.

Umbrella Policies require underlying motor vehicle liability limits of $250,000 per person/ $500,000 per accident.

In addition to coverage limits, insurance companies provide legal defense.

So, in essence, when you purchase higher limits you are also purchasing improved legal defense.

In an ideal insurance world, you want your insurance limits to, at least, match the amount of your assets.

No one wants to spend more money on insurance, however, rather than simply trying to save money, you should be asking: Do I have enough coverage?

Please call or click if you would like to discuss Personal Liability Umbrella Coverage.

Happy New Year!

Happy New Year from your friends at Johnson & Rohan Insurance

Should old acquaintance be forgot,
and never brought to mind?
Should old acquaintance be forgot,
and old lang syne?

For auld lang syne, my dear,
for auld lang syne,
we’ll take a cup of kindness yet,
for auld lang syne.

And surely you’ll buy your pint cup!
and surely I’ll buy mine!
And we’ll take a cup o’ kindness yet,
for auld lang syne.

We two have run about the slopes,
and picked the daisies fine;
But we’ve wandered many a weary foot,
since auld lang syne.

We two have paddled in the stream,
from morning sun till dine;
But seas between us broad have roared
since auld lang syne.

And there’s a hand my trusty friend!
And give me a hand o’ thine!
And we’ll take a right good-will draught,
for auld lang syne.

From our family to your family, we wish you the happiest of New Years!

Thank you for insuring with Johnson & Rohan Insurance.

10 Best Winter Driving Tips

 

Winter driving can challenge even the most experienced safe driver.  Keep these 10 Best Winter Driving Tips in mind when heading into wintery  conditions:

Winter Driving:  Preparation, While Driving, When Stuck in the Snow

  1. Be prepared.  Have your mechanic check your car’s battery, brakes, fluid levels and tire wear.  Keep your gas tank more than half full- it lowers the chance of freezing and you’ll also avoid running out of gas if your stuck in a traffic jam on 128.
  2. Take care in pulling out.  Your car reacts differently to accelerating on snow, make sure there is plenty of time/space to get your car up to speed.  Remember other vehicles may have trouble braking because of the conditions.
  3. Back your car into the driveway when possible.  You’ll have better vision when pulling out.
  4. Be aware of walkers or joggers on the street. When sidewalks are impassable, die hard joggers and dog walkers are forced to venture onto the street for a clearer path.   Keep an eye out for them!
  5. When waiting to make a left hand turn, keep the wheels of your car pointed forward.  If your wheels are turned to the left and you are rear-ended, your car will be pushed into the path of on-coming traffic.
  6. Braking.  If your car does not have anti-lock brakes and you start to skid, pump the brakes to gain control of the skidding.  If your car has anti-lock brakes, slam and hold down the brakes to allow the anti-lock system to take over.
  7. When you must travel during a storm, notify others of your eta and your intended route.
  8. If stuck, stay in the car and wait for help.  Run the engine and heater sparingly.  Also make your exhaust pipe is clear from snow and ventilate your car to prevent carbon monoxide build up.
  9. If stuck in a storm, preserve your energy.  Have food (energy bars, trail mix, beef jerky) in your car.   They will provide your body with energy to produce its own heat.  Have water available to prevent dehydration.  Don’t eat snow, it lowers your body temperature- if necessary, melt it first.
  10. Prepare a Winter Driving Kit and leave it in your trunk.  Your kit should include an extra pair of gloves, blankets, an ice scraper, food basics (energy bars, trail mix or beef jerky work well), water or energy drink.  An affordable car battery- air compressor can provide a battery charge or refill a flat tire.

4 Reasons You Need a Personal Liability Umbrella

 

4 Reasons You Need a Personal Liability Umbrella

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.

Johnson & Rohan