Winter Storm Preparedness

How to Help Prepare for a Snow Storm

By Travelers Insurance

Is there a winter storm on the horizon? Take some time now to gather the supplies you will need to ride out the storm at home, or to safely venture outside if you must. Once you have taken the appropriate precautions, you can focus on enjoying the winter wonderland outside your window.

Check Your Supplies

Check your supplies winter preparation

  • Make sure you have a snow shovel and ice melt to keep walkways clear and safe.
  • Check that you have sufficient heating fuel for your home and fuel for your generator, if you have one.
  • If you will be using a fireplace or wood-burning stove, you should have a good supply of dry, seasoned wood.
  • Have warm clothing and blankets on hand, and stock non-perishable food items and necessary medications to last you and your family for several days.

Get Ready for a Power Outage

winter preparation first aid

  • Turn your heat up now, and close off any rooms that are not in use.
  • Check pipe insulation, and if you lose power, allow water to run at a trickle to prevent pipes from freezing.
  • Charge your battery-powered electronic and communications devices.
  • Keep a battery-powered radio on hand to stay aware of changing weather conditions.
  • Get out your flashlights, batteries, first aid kit and other emergency supplies.

Stay Warm — and Safe

Fireplace as part of winter preparation

  • If you start a wood-burning fire, follow all fireplace or woodstove safety precautions.
  • Do not use an oven or a range as a home heating device.
  • If you have a generator, only use it outside, where there is sufficient ventilation.
  • Test all smoke and carbon monoxide alarms to ensure they work properly.
  • Do not let candles burn unattended, and keep them away from combustibles. Battery-powered LED lights are a safe, energy-efficient alternative to traditional candles.
  • If you have an ice dam prevention system, turn it on before the snow starts to fall.

Stay Inside — and Safe

Looking inside through a window

J&R’s Winter Driving Tips

Winter Driving Tips

Winter Driving Tips by Johnson & Rohan Insurance

Here it is, early December and already the season’s first big storm! Here in Lynnfield, we got close to a foot of the wet & heavy.

Here are tips to keep in mind when driving in winter conditions:

Beware of snow banks! Go slow when pulling in and out of parking lots or side streets. Drive slow, in general, because you can’t see vehicles driving in and out of parking lots and side streets. Road are narrower and driving more harrowing. Be careful.

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.

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.

Back your car into the driveway when possible.  You’ll have better vision when pulling out.

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!

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.

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.

When you must travel during a storm, notify others of your estimated time of arrival and your intended route.

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.

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.

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.

Driver New to Winter Driving?  Find an open location with wintry conditions and let the inexperienced driver practice accelerating and braking on snow.  Your car will behave differently on snow and ice and a little practice can make a big difference.

 

 

 

 

 

 

 

 

Happy Thanksgiving

Happy Thanksgiving

From our family to your family: Happy Thanksgiving.

We are thankful for having you as a client!

We understand that there are many options for insurance, from the big-budgeted advertisers, to the small agencies between your home and our office.

We promise to treat you as we want to be treated.

Our office will be closed on Thursday, Thanksgiving Day and on Friday, November 27, 2019.

Our office will re-open Monday, unbelievably: December 1st.

We hope your Thanksgiving is full of peace, love and a plate full of food.

Thank you for your business.

New Registration and Title Application (RTA) and New Registrations

New Registration and Title Application (RTA)

The Massachusetts Registry of Motor Vehicles has announced that after December 12, 2019, they will no longer accept the familiar, triplicate RMV-1 and RMV-3 forms.

Replacing them is the new, single-copy: Registration and Title Application (RTA)

The RMV currently has a Registration and Title Application (referred to as an RMV-1) and a Registration and Title Amendment Form (referred to as an RMV-3). With ATLAS  Release 2, these two forms have been combined into one — the new Registration and Title Application (RTA). This new RTA form supports additional information the RMV will use in their business processes after ATLAS R2 implementation. Examples include the garage address, expanded sales and use tax information, slight changes to the vehicle description, and a general layout that follows the screen flow in the ATLAS system.

This updated form will be implemented as of November 12, 2019.  However, the RMV will continue to accept the old RMV-1 form as long as it was stamped and dated by an insurance company or agent prior to November 12, 2019.  Since the insurance stamp is valid for 30 calendar days, the last day for an old RMV-1 form to be accepted will be December 12, 2019.

NEW:  Certificate of Registration

With ATLAS Release 2, the Certificate of Registration will be changing to include the Change of Address for Residential, Mailing, and Garaging.

Governor Baker Signs Legislation Requiring Hands-Free Use of Electronic Devices While Driving

hands free

According to Mass.gov:

BOSTON — Today, Governor Charlie Baker signed legislation to improve road safety in the Commonwealth, which stipulates that no motor vehicle operator may use electronic devices while driving unless the technology is being used hands-free. The legislation, which adopts recommendations from the Commonwealth’s Strategic Highway Safety Plan, also sets forth penalties for violating the law and requires that law enforcement officers report data on violations so the information can be shared with the public.

Governor Baker was joined at the signing ceremony by Lt. Governor Karyn Polito, state leaders, officials with the National Transportation Safety Board, and representatives from advocacy groups, including, the Vision Zero Coalition, Safe Roads Alliance, LiveableStreets Alliance, WalkBoston, MassBike and Boston Cyclists Union. The Governor acknowledged the work of stakeholders for efforts to get hands-free legislation passed and thanked the families of victims for sharing their personal stories during legislative hearings.

“Our Administration is committed to keeping the Commonwealth’s network of roads safe, and this legislation will substantially reduce distracted driving and hold operators accountable when they are looking at an electronic device instead of looking at the road ahead,” said Governor Baker. “We are especially grateful for the many advocates and families that passionately fought to bring this bill to fruition, are thankful for the Legislature’s collaboration on this bill and look forward to continued efforts to improve road safety in Massachusetts.”

“The Commonwealth and its communities have a shared obligation to keep roads safe for all users, and the new hands-free law is another important step as we seek to fulfill that responsibility,” said Lt. Governor Polito. “This commonsense legislation makes clear that in order to operate a vehicle safely, individuals must put safe driving first – ahead of reading emails or texting a friend.”

Under the new law, titled An Act requiring the hands-free use of mobile telephones while driving, operators of motor vehicles and bicycles cannot use an electronic device unless the device is being used in hands-free mode. Operators cannot read or view text or look at images or video, unless what is being viewed on the device is helping with navigation and the device is mounted in an appropriate location. They also cannot make phone calls unless they are able to do so without holding the phone, utilizing technology such as Bluetooth.

The new law permits the use of electronic devices if they are being used in response to an emergency, necessary for first responders to do their jobs. It also permits use if operators are stationary and not in active lanes of travel.

Punishment for violating the hands-free law includes a $100 fine for a first offense, $250 fine for a second offense and $500 fine for a third or subsequent offense.  A third or subsequent offense will count as a surchargeable incident.  Operators who commit a second or subsequent offense are required to complete an educational program focused on distracted driving prevention.

“The hands-free legislation is now law in Massachusetts thanks to the tireless work of advocates and victims’ families,” said Transportation Secretary and CEO Stephanie Pollack. “Legislators were moved to action after hearing the personal stories of people who have lost loved ones in traffic crashes. Advocacy groups were with the families every step of the way and marshaled support for this bill. I would like to thank the Vision Zero Coalition, Safe Roads Alliance, LiveableStreets, WalkBoston and many other pedestrian and bicycle advocacy groups for their efforts and I look forward to continuing our collaboration to get additional road safety bills passed during the next legislative session.”

“This important reform shows how seriously we take roadway safety,” said Secretary of Public Safety and Security Thomas Turco. “A distracted driver is a dangerous driver. This law will help keep drivers’ attention on the road and give law enforcement an additional tool to deter risky behavior.”

“As first responders to serious crashes across the state every day, Massachusetts State Troopers know too well the consequences of distracted driving, and we thank the Baker-Polito Administration and the Legislature for this important new tool to help us combat this dangerous behavior,” said Colonel and Superintendent of the Massachusetts State Police Christopher S. Mason. “Today is a day that will make our roads safer.”

“This legislation will protect pedestrians and drivers on our roads by keeping mobile devices out of the hands of those who operate vehicles,” said House Speaker Robert A. DeLeo. “Additionally, this legislation establishes a new implicit bias training program for any jurisdiction deemed by an analysis of data to have engaged in racial or gender profiling.”

“There are too many heartbreaking stories of those who lost loved ones to distracted driving, and so I’m proud to see this bill signed into law,” said Senate President Karen E. Spilka. “This bill strikes a balance between increased enforcement and increased transparency, requiring more demographic data to be released to the public than ever before so that we can ensure this law is being enforced equitably across the Commonwealth. I’d like to thank Senator Boncore, Senator Brownsberger, and everyone involved for their hard work to get this done.”

“This bill will improve the safety of our streets and promote transparency in law enforcement,” said Senator Joe Boncore, Chair of the Joint Committee on Transportation. “Distracted driving is an epidemic, and this bill will save lives. Further, by updating our data collection laws, we will better understand and improve our communities’ interactions with public safety officials.”

“The final bill is a major public safety improvement for the residents of Massachusetts,” said Representative Bill Straus, Chair of the Joint Committee on Transportation. “Distracted driving has caused too many unnecessary tragedies and I am pleased that our state will now join the ranks of other states who have adopted a ban on holding a phone while driving.”  

Safe Roads Alliance President Emily Stein added, “It is such a relief to finally see a hands-free bill pass in our Commonwealth. It is a proud, emotional, and hopeful moment, and I ask that all drivers in Massachusetts pause for a moment too, and understand how distracted driving can impact so many precious lives on our roads. I fought for stronger distracted driving laws for my dad, who was killed in 2011, and also for the hundreds of lives that are lost, and the thousands of people who endure life-long injuries because of something so preventable. This law will save lives.”

“We are grateful for the leadership and partnership of the Baker-Polito Administration in moving this life-saving law forward,” said Stacy Thompson, LivableStreets Alliance Executive Director.  “This is an important step toward achieving Vision Zero in Massachusetts and we look forward to working with the Administration and Legislature to advance several other critical road safety bills in the new year.”

Stacey Beuttell, Executive Director of WalkBoston, added, “WalkBoston is pleased that this legislation has been signed; this law will encourage people driving to focus solely on that task, making streets safer for people walking & running in communities across Massachusetts. We’re hopeful that this long-awaited signing will kick off a focus on traffic safety for this next legislative session.”

“We applaud the Legislature and Governor Baker’s Administration for delivering this bill to the people of Massachusetts,” said Becca Wolfson, Executive Director of Boston Cyclists Union. “The regional rise in bike ridership means there are more vulnerable road users than ever in Massachusetts, and this law will curb distracted driving and make streets safer for everyone.”

The hands-free law takes effect ninety days after passage and has reporting requirements for law enforcement officers who make traffic stops. They must make note of data, including the age, race and gender of individuals issued a warning or citation. The Registry of Motor Vehicles will house the data and the Secretary of Public Safety’s office will annually release the information to the public. The new law sets forth a process in the event there are suspicions a law enforcement entity may be engaging in racial profiling.

The hands-free legislation is one proposal included in a comprehensive road-safety package filed earlier this year by the Baker-Polito Administration. That proposal includes measures to improve work zone safety, require the use of ignition interlock devices for first time offenders, and the creation of a framework to regulate new technology like electronic scooters and other low-speed mobility devices. For additional information, please visit: https://www.mass.gov/news/baker-polito-administration-files-legislation-to-improve-road-safety

What’s the Best Homeowner Deductible?

Deductibles and your Homeowner Policy

What's the best homeowner deductible?The relationship between your homeowners deductible and premium can feel like a game of cat and mouse. Should I raise or lower my deductible? How much responsibility and risk should I absorb? Should I have a $1,000 deductible on my homeowners insurance, or should I opt for more or less to save on my premiums?

Let’s go through the basics of what a homeowners insurance deductible is and how you can choose the right number for you.

What is a deductible?

A deductible is the amount you are responsible to pay before your insurance kicks in to cover a claim (up to your coverage limits). The deductible is what’s “deducted” from your claim payment.

Let’s say your home is insured for $50,000 on your homeowners policy. You have a deductible of $1,000. Unforeseen water damage ends up costing you $3,000. When you submit a claim, you would be responsible to pay $1,000, and your insurance company would send you a check for the remaining $2,000 in lost property.

But let’s say that the water damage only costs $800. This is less than your deductible of $1,000, so your insurance company wouldn’t pay you anything.

Keep in mind that the insurer will only pay up to your coverage limits. Let’s say the water damage equates to $55,000 in damage. You would still be responsible for $1,000 due to your deductible. Then, your insurance company would cover $50,000 in losses, because that is the total amount of insurance coverage on your home. That means you would be missing $4,000 you would have to pay out of pocket.

How is a deductible determined?

There are two types of deductibles you’ll find in homeowners policies: dollar amount and percentage. The first type of deductible is more common. This specifies a dollar amount that you would pay out of pocket, like $1,000.

The second type is a percentage of the total amount of insurance on your policy. This only applies to homeowners policies, not auto coverage. This is based on the percentage of your home’s insured value. For example, your insurer offers a 2% deductible.  Your home is covered for $100,000 in property damage (not including liability). That means you would have a $2,000 deductible.

When searching for or switching your home insurer, make sure you ask how that company determines your deductible and how much you maintain control over your own deductible rate.

Why is there a deductible?

Curious why deductibles even exist? The purpose of a deductible is to share the risk between you and your insurer. It makes sure you have some skin in the game.

If you didn’t have a deductible, you could make claim after claim and not have to pay a cent (although your premiums would likely increase). A deductible ensures you’re only submitting important claims, and you’re not taking unnecessary risks that could damage your home. It also helps prevent insurance fraud, because people are less likely to submit a claim if they have to pay out of pocket as well.

What does a homeowners’ deductible apply to?

Deductibles typically only apply to “hazard coverage.” Hazard coverage involves property damage to your house or personal belongings. This usually also includes “additional structures” under Coverage B, which is part of a standard homeowners property policy. Still, you’ll want to talk to your insurance agent to determine your deductible for Coverages A and B.

Deductibles don’t usually apply to liability coverage, which is when a guest is injured in your home or on your property.  Often your insurer will pay the full amount for any liability claims (up to your coverage limits).

How much should my deductible be?

Most homeowners get stuck on this question. A higher deductible usually means a lower premium (monthly payment), while a lower deductible means a higher premium.

But which deductible-premium ratio is better?

Most insurers set the average minimum homeowners deductible at $1,000, while others put the minimum at $500. Most insurers will allow you to raise the deductible if you’d like.  Some deductibles can be raised to as much as $10,000.

But does that mean you want the minimum deductible amount? Sometimes yes and sometimes no.

How much can you pay out of pocket?

Raising your deductible is the most effective way to lower your monthly premiums on your homeowners insurance. But, if you were to make a claim, you would have to pay that deductible before the insurance company will pay you. That means you need to still be able to afford that deductible.

For example, if you were to have a $5,000 deductible, you would only start getting paid by your insurance company if the damage were more than $5,000. You would be responsible for 5 grand before the insurance company would even consider sending you a check. If you don’t have $5,000 to pay out of pocket for an incident, you don’t want a deductible that high.

Ultimately, you want to balance the short-term cost you could potentially afford in the case of a claim (the deductible) with the long-term cost of your overall policy (the monthly premiums). The more you could pay out of pocket for your deductible, the more you’d save in the long-term.

We generally recommend raising your deductible as much as you can reasonably afford without impacting your wallet. How much could you pay out of pocket today without it seriously impacting your finances?

Fewer claims means a higher deductible.

Some people also raise their deductible because they don’t make a lot of claims anyway. Every time you make a homeowners claim, your premiums will go up. So you likely wouldn’t want to make a claim for low-cost losses anyway. In that case, it may be in your best interest to have a higher deductible so you’re only worried about paying that cost in the case of a major disaster or large claim.

For example, if your deductible is $1,000 and you have a claim for $1,500, you would only get an insurance check for $500 but your future premiums would likely increase drastically. So you might not submit that claim anyway.

If you’re only submitting large claims, you may want to have a higher deductible. Then you’d save more in premiums in the long-term, and you’d only worry about the deductible cost in the case of serious incidents.

Pro-Tip: Create a deductible-specific account.

Want to make sure you would be able to pay your deductible out of pocket? Put the money aside in its own savings account (where it can collect a little bit of interest anyway). This ensures you’re always protected in the case of a disaster.

Also, the amount you save in your deductible account could equate to your deductible. If you used to have $1,000 in the account but now you can set aside $2,000, for example, you can talk to your insurer about raising your deductible and lowering your premiums.

What are disaster deductibles?

Your insurer may have different deductibles for different types of losses. Although wind, hail, and hurricanes are usually covered under your standard homeowners policy, they may each have their own unique deductible. Flood and earthquake deductibles may vary as well.

Hurricane, wind, and hail deductibles can often be higher than the standard homeowners deductible, especially if you live in an area prone to these sorts of disasters. Your insurer might require a percentage-based deductible rather than a fixed dollar amount. In some states, you have the option to opt out of paying the percentage deductible, but you’ll be stuck with a high premium.

Flood and earthquake offer a range of deductibles depending on the state and your insurer. Compare different options and shop around before making your decision (check out our Johnson & Rohan site www.homeownerquote.com).  Call us at (781) 224-0909 to have us shop you with our different companies.

Conclusion

We often get asked, “So, should I have a $1,000 deductible on my homeowners insurance?” And our answer is always the same: maybe.

Your deductible should be the amount you are comfortable paying out of pocket in the case of damage to your home. We typically recommend $1,000 as the minimum to maintain fair premiums, but you may want to increase your short-term deductible to boost your long-term savings if you’re financially secure enough to pay for a larger deductible out of pocket.

 

Massachusetts Auto Insurance Coverage Review: Part 4, Property Damage

Massachusetts Insurance Coverage Review: Property Damage

 

 

 

 

This week’s Massachusetts Auto Insurance Coverage Review is Part 4 of the Massachusetts Auto Policy: Property Damage Coverage.

The Policy contract reads:

Part 4. Damage to Someone Else’s Property

Under this Part, we (the insurance company) will pay damages to someone else whose auto or other property is damaged in an accident. The damages we will pay are the amounts that person is legally entitled to collect for property damage through a court judgment or settlement. We will pay only if you (named insured) or a household member is legally responsible for the accident. We will also pay if someone else using your auto with your consent is legally responsible for the accident. Damages include any applicable sales tax and the costs resulting from the loss of use of the damage property.

We (the insurance company) will not pay for property damage which occurs:

1. While your auto is being used as a public or livery conveyance. This does not apply to the use of your auto in a share-the-expense car pool arrangement or in an expense reimbursement program wither as a volunteer or at work.

2. While any auto is being used by anyone in the course of his or her employment in the business of selling, servicing, repairing or parking autos. This exclusion does not apply to the ownership, maintenance or use of your auto by you or a household member.

3. While anyone is using a vehicle in the course of any business other than the business of selling, servicing, repairing or perking autos. This exclusion does not apply to private passenger autos or to pic-up trucks, vans or similar vehicles not used for the delivery or transportation of goods or materials unless such use is incidental to your business of installing, maintaining, or repairing furnishings or equipment.

4. While a household member, other than your spouse, is using an auto which you or any household member owns or uses regularly unless a premium for this Part is shown for that auto on the Coverage Selections Page.

5. While you or your spouse, if a household member, is using an auto which you or your spouse, if a household member, owns or uses regularly unless a premium for this Part is shown for that auto on the Coverage Selections Page.

6. To an auto or other property owned by you or the legally responsible person. Similarly, we will not pay for damage to an auto or other property, except for a private residence or garage, which you or the legally responsible person rents or has in his or her care.

7. When the property damage is caused by anyone using an auto without the consent of the owner.

The most we will pay for damage resulting from any one accident is shown on the Coverage Selections Page. This is the most we will pay as the result of a single accident no matter how many autos or premiums are shown on the Coverage Selections Page.

If someone covered under this Part is using an auto he or she does not own at the time of the accident, the owner’s auto insurance must pay its limit before we pay. Then, we will pay for any damages not paid by that insurance, up to the policy limit shown on the Coverage Selections page. However, if the claim is covered by us and another auto policy, we will pay only our proportionate share of those damages not paid by the owner’s auto insurance.

Under this Part, we may have ot pay for property damage even if youor the legally responsible person fails to give us prompt notice of the accident. In that case we may be entitled to reimbursement from that person.

This Part is Compulsory. You must have limits of at least $5,000. However, you may want to buy more protection. Higher limits may be purchased if agreed upon by you and by us. However, $5,000 is the most we will pay for property damage caused by an auto covered under this Part which is being operated in any prearranged or organized racing, speed, stunting or demolition contest or activity or in practice or preparation for any such contest or activity.

Part 4, Property Damage, is a compulsory coverage on the MA auto policy, with minimum limits of $5,000.

Most of our clients at Johnson & Rohan Insurance carry Part 4 limits of $100,000 per accident. More and more are electing to buy, $250,000.

Driving next to a BMW car transport truck on Route 128 the other day, I was reminded that $100,000 may not be adequate coverage.

The annual cost to increase Part 4, Property Damage, coverage from $100,000 to $250,000 is about $7.

Conversely, the annual savings, going from $100,000 down to $50,000 of coverage is about -$5.

Call Johnson & Rohan Insurance to review your coverage today!

After Hours Claim Contact Numbers

After Hours Claim Numbers

Johnson & Rohan Insurance

Getting in an auto accident can be a traumatizing experience. In the heat of the moment, it’s difficult to remember what to do.

Some of our suggestions:

  • Stop. Be Courteous. Stay Calm. Your interest will be served best if you are courteous and engage in no controversy at the scene of the accident.
  • If there is significant damage to any of the vehicles or any potential injuries call 9-1-1 immediately.
  • Get the names of the owners and drivers involved. Get license numbers, telephone numbers, and registration numbers.
  • Get the names, addresses, and telephone numbers of witnesses.
  • Express no opinion as to who was at fault. Give no information except for as required by the authorities. Do not sign any statements unless required by authorities.
  • Contact us for prompt claims help.

If after hours, we offer some of our companies’ after hours claim reporting telephone numbers:

Travelers/ Premier:  1-877-425-2466

Vermont Mutual: 1-800-435-0397

Safety Insurance:  1-866-906-5016

MPIUA:  1-800-392-6108

Progressive: 1-800-776-4737

Commerce/MAPFRE: 1-800-922-8276

Amica: 1-800-242-6422

Plymouth Rock/Pilgrim Insurance: 617-951-1620

Hagerty Insurance: 1-800385-0274

Swyfft Insurance:  1-855-479-9338

Johnson & Rohan Insurance Hours of Operation

Johnson & Rohan Insurance Hours of Operation

Although many businesses are closed on Monday, we recognize the long, Columbus Day weekend as an opportunity many of our clients take as a time to buy a new car.

With this in mind, Johnson & Rohan Insurance is open on Saturdays (9:00 – 12:00 pm) and yes, Virginia … we’re open on Columbus Day, October 14th!

Johnson & Rohan Insurance Hours of Operation

Monday – Friday: 9:00 a.m. – 5:00 p.m.
Saturdays: 9:00 a.m. – Noon (Except July & August)

As always, we are available 24 hours a day, 7 days a week by appointment!

Phone: 1-800-491-1414 or 1-781-224-0909
Fax: 1-781-224-0546

Johnson and Rohan Insurance
50 Salem Street
P.O. Box 52
Lynnfield, Massachusetts 01940

MA Auto Excise Tax

Massachusetts Auto Excise Tax

 

 

 

 

The dreaded … MA Auto Excise Tax.

I’ve been told: “you couldn’t get away with that in Texas.” Here in Massachusetts, however, we suffer our annual auto excise tax.

Excise bills are prepared by the Registry of Motor Vehicles according to information on the registration. They are sent to city/town assessors who commit them to local tax collectors for distribution.

The MA auto excise tax rate is $25 per $1,000 of valuation (NADA) subject to the following percentage formula:

In the model year: 90%; second year: 60%; third year: 40%; fourth year: 25%; fifth year & beyond: 10%.

If you have turned in your plates on the vehicle you are getting excise taxed on, or if you have transferred plates and got rid of the vehicle, you may be eligible for abatement. Abatement instructions are located on your excise tax bill.

http://www.mass.gov/dor/local-officials/municipal-finance-law/frequently-asked-questions-motor-vehicle-excise.html#q55

Massachusetts Motor Vehicle Excise Abatement Application:  MA Excise Abatement Form

Johnson & Rohan