Cell Phones & Driving

Studies by the National Highway Traffic Safety Administration (NHTSA) found that more than 25 percent of all police-reported vehicular accidents are caused by the use of cell phones while driving …

Lynnfield, MA Insurance

For many Americans, especially those under 40, using a cell phone while driving seems perfectly normal. And when you consider that there are over 236 million cell-phone users, that’s a lot of them on the road. But is it safe? The numbers say no.

Studies by the National Highway Traffic Safety Administration (NHTSA) found that more than 25 percent of all police-reported vehicular accidents are caused by the use of cell phones while driving. (And, of course, thousands of other accidents go unreported.) Car insurance companies are keenly aware of the hazards.

The problem? A phone-using driver is a distracted driver. Though many maintain that “multi-tasking” has no effect on concentration, tests have repeatedly proven this false. According to University of a Utah study, for example, a young person on the phone has about the same reaction speed as someone 70+ years old. Other research and highway law enforcement observation commonly compare drive-and-chat performance to drunk driving. Excessive slowness, inattentiveness to traffic conditions, and lane-to-lane weaving are all dead giveaways.

The consequences, too, are predictably similar. Phone-distracted motorists hit more potholes, miss more warning signs, and generally fail more often to process their surroundings than do alert, fully focused drivers. The problem is most serious when pedestrians are involved. By law, a car must yield the right of way to all pedestrians at all times, but when a driver’s attention is diverted, this rule is one of the first to be forgotten.

No Hands? No Difference!

Many cell-phone users are convinced that hands-free devices remove the dangers of distracted driving. Not so. It isn’t the phone that causes mishaps, it’s the conversation itself. Just listening and processing information takes attention off the road. And if it’s something really important – a pivotal business discussion, bad news from home, or a heated argument – there’s likely to be little attention left for safe, sensible driving.

It isn’t surprising then that cell-phone calls are banned entirely from more than a dozen major nations, including Japan, Australia, Chile, Great Britain, and Spain.

Yet, Americans cling to their anything-goes attitude. Few states have outlawed cell phones completely, and of those that do, penalties are relatively light. In many places, a patrol car can pull over a driver for using a cell phone only if a more serious infraction is taking place, so the law is essentially meaningless.

What’s more, car makers are adding to the problem, installing voice-activated “intercom”-style phone systems as built-in equipment. These motorists may not have to worry about fumbling through pockets for a ringing phone, or dropping the phone in the middle of a conversation. But the distraction is still there, as long as someone’s on the line.

Texting while Driving

62 percent of high-school students admit to texting while driving, according to a survey by Students Against Drunk Driving and Liberty Mutual Insurance. Of these young texters, one in four believed there’s nothing unsafe about it …

Texting

62 percent of high-school students admit to texting while driving, according to a survey by Students Against Drunk Driving and Liberty Mutual Insurance. Of these young texters, one in four believed there’s nothing unsafe about it.

On the other hand, the National Highway Traffic Safety Administration (NHTSA) blames the use of cell phones at the wheel for some 1,000 fatalities and 240,000 nonfatal accidents every year. That’s about 25 percent of all crashes. Add to this the facts that most young people think they can easily “multi-task” and they think they’re immortal anyway, and you’ve got a big problem.

Cell Phones Are a Major Distraction

Safety studies by NHTSA, the University of Utah, and other researchers show that cell-phone use alone – just talking – is a major distraction for most motorists. It takes away the driver’s concentration. It slows reaction time. It impedes both-hands-on-wheel control of the vehicle. As highway-patrol officers have frequently confirmed, it reduces performance to the level of driving drunk.

What’s more, it’s not just the equipment’s fault. Hands-free cell-phone use is no safer. The real culprit is the conversation itself, especially when it involves decision making or emotional upset. There is simply no way a caller can adequately do the complex work of driving – scanning the road, monitoring traffic movements, reading road signs, adjusting speed, following distance, and other variables – while on a call.

Texting multiplies these deficits and adds a few more.

Thumbs Down, Say Lawmakers

States lawmakers are cracking down. Texting is now outlawed in 34 states and the District of Columbia. Law enforce

  • Inputting, like any kind of writing, requires more concentration that just speaking.
  • Most texters need to keep glancing at the phone’s keyboard and disregarding the road.
  • Reading an incoming text message can be even more problematic, as the driver squints at the tiny screen, then scrolls to follow longer messages.
  • Should the car hit a bump, the phone could fly out of the user’s hand. What then?

A study by the Federal Motor Carrier Safety Administration has found that while texting, 4.6 of every 6 seconds are spent looking at the phone instead of the road. At 55 mph, that’s equivalent to driving the length of a football field blindfolded. So deciding whether to retrieve a dropped phone could literally be a matter of life or death.ment officers can attest to the need, reporting that texters are easy to spot on the road since they are inattentive, swerve between lanes and drive slowly.

Other counter-measures to on-road texting are also taking hold. The Occupational Health and Safety Administration (OSHA), has petitioned President Obama for tougher laws. Why OSHA, the occupational agency? Because much of America’s workforce is on the road daily, delivering goods and services or conducting other business activities.

In response, the President instituted the Executive Order on Federal Leadership on Reducing Text Messaging While Driving in 2009. It prohibits texting by all federal employees during official business trips.

The courts and insurers are likewise adjusting to the spread of the texting habit. Phone-related accidents and injuries, whether caused by talking or texting, are seen as forms of driver negligence, in some cases on a par with DWI (“driving while impaired”) offenses. Increasingly, victims of such crimes are eligible to receive compensation for their losses.

Safety statistics, here and abroad, make it clear that texting and talking, whether hands-on or hands-free, make cell-phone use a major threat to public safety. But in the age of hand-held electronics, will the trend-setting Uncle Sam follow the lead of Great Britain, Japan, Chile, and more than a dozen other nations in banning these practices? The question remains open.

Call Johnson & Rohan Insurance Today

We have been doing business in Lynnfield, Massachusetts for over 20 years, so very little surprises us, including what people do while driving. Don’t hesitate to contact Johnson & Rohan Insurance for ways to instill good driving habits in your family or to discuss your insurance needs.

Home heating tips to save money:

With oil and natural gas prices heating up, we offer some tips to save you money …

Home heating tips

With oil and natural gas prices heating up, we offer the following tips to save you money.

Maximize Efficiency:
Check your heating system before you turn it on for the winter. Keeping your furnace clean, lubricated, and properly adjusted can save about 5 percent on your heating bill.

Consider replacing an old furnace. Today’s furnaces are about 25 percent more efficient than they were in the 1980s.

Minimize Heat Loss:
Seal up the leaks. Sealing and insulating duct systems can cut heating costs by as much as 40 percent.

Add insulation to your home’s attic. Even if your attic floor already has a couple of inches of insulation, another six inches can help.

Wrap an insulation blanket around your hot water pipes and tank. This is especially valuable for older water heaters and can save up to 10 percent on water-heating costs.

Don’t use an open-hearth fireplace for heat. The heated air that’s drawn from your home and up the chimney offsets almost all the warmth that a fire provides.

Keep your fireplace damper closed when you don’t have a fire burning. This will prevent up to 8 percent of your furnace-heated air from going up the chimney home for free.

Conserve Heat:
Turn down the thermostat a little. For every two degrees you lower the thermostat, you’ll save about 4 percent on heating bills. Consider a programmable thermostat. One of these can help you cut heating costs as much as 20%.

Reduce hot water temperature. Save 7 to 11 percent of water-heating costs by keeping your water heater at the “normal” setting or 120º.

Shorten showers. Showers account for two-thirds of your water-heating costs, so even shaving off a few minutes can help.

Happy Thanksgiving

A special greeting of
Thanksgiving to express
to you our appreciation
for your confidence and loyalty.
We are thankful for our clients
and wish you a happy and healthy
Thanksgiving Day.

Happy Thanksgiving

A special greeting of
Thanksgiving to express
to you our appreciation
for your confidence and loyalty.
We are thankful for our clients
and wish you a happy and healthy
Thanksgiving Day.

 

Johnson & Rohan Insurance will be closed on Thanksgiving Day and Friday 11/28/2014.

We will be open on Saturday, November 29th from 9:00 am – 12:00 noon.

Otherwise our regular office hours are Monday – Friday 9:00 am – 5:00 pm and Saturdays 9:00 am – 12:00 noon.

Always available by appointment.

Claim reporting is available 24 hours per day/ 7 days per week. If you want to report a claim during off hours, have your policy number ready and call:

Premier/ Travelers:     1-877-425-2466

Safety Insurance:    1-866-906-5016

Vermont Mutual:      1-800-435-0397

MPIUA:      1-800-392-6108

You can also report online:

Auto Claim Commercial Claim
Home Claim Other Claim

Safety Insurance Mobile App

One of our companies, Safety Insurance, has a new, mobile phone application.

If we have you with them, you might want to take a look:

Safety Mobile Phone App

Johnson & Rohan Insurance is an independent, Massachusetts Insurance Agency.

Although there’s been renovations, we’ve been in the same Lynnfield, MA office building for over twenty years.

When our clients utilize our services, they utilize the enormous shopping power of the independent insurance agent.

We shop auto coverage with 7 auto companies and even more home and life carriers.

One of our companies, Safety Insurance, has a new, mobile phone application.

If we have you with them, you might want to take a look:

Safety Mobile

Insurance just got a whole lot easier with Safety’s iPhone App right at your fingertips. Features will allow you access to your Safety account, which provides you with functionality such as: pay your bill, report a claim at the accident scene, view your insurance card and access your agent information. Not a Safety policyholder? That’s OK; use the Find an Agent tool to locate an Independent Agent near you.

What’s New in Version 2.1

Added Mobile Bill Pay to the Safety Mobile App

You can make a payment subject to the terms and conditions and our posting schedule. You can choose an amount to pay: the minimum amount due, the total balance or another amount. You will receive a confirmation email after you have made your payment.

apple icon iPhone App

Android Phone QR CodeScan to download
(using QR code scanner)Or download from
Apple Store

Android icon Android App

Android Phone QR Code for AndroidScan to download
(using QR code scanner)Or download on
Android Market

Safety Mobile icon Safety Mobile Website

Safety Mobile Site QR Code for m.safetyinsurance.comScan to go to the site
(using QR code scanner)Or go to
m.SafetyInsurance.com

 

 

Massachusetts Registry of Motor Vehicles: Online

The Massachusetts Registry of Motor Vehicles has a great web site which just might save you a visit to a branch location: www.MassRMV.com

Mass RMV online

The Massachusetts Registry of Motor Vehicles has a great web site which just might save you a visit to a branch location:  MassRMV.com.

Their website is open all night.

Some of the popular online services offered include: cancel your plates, change your address, renew your license, and renew your registration.

Following please find links and listing of the Mass RMV’s online services:

License/ID –

Registration/Title-

Renewal

Duplicates

Plates

Check My Status

Other-

Thank you Veterans

Gerry LeTourneau is a veteran and witness to the bomb. He’s also a friend.

Thank you Gerry LeTourneau, and veterans everywhere, for your service to our Country!

Happy Veteran's Day

August 6, 1945-

100 miles off the coast of Japan, US sailors did not hear or feel anything. Instead they saw the huge mushroom cloud rise and get bigger & bigger, & wider & wider.

American bomber, Enola Gay had dropped “Little Boy,” the five-ton atomic bomb, over the Japanese city of Hiroshima.

The Navy Fleet was ordered to change direction and face the waves, so not to capsize. Waves became one hundred feet high.

Aboard the USS Kearney 19 year old signalman Gerry LeTourneau felt as if he had left his balls at the crest of the wave. He held onto the rail of the destroyer for dear life.

Later, the bodies came. Thousand of floating, radioactive, Japanese bodies.

On deck of the USS Kearney, sailors were ordered to install .50 caliber machine guns and shoot holes in the radioactive bodies until they sank.

Gerry LeTourneau is a veteran and witness to the bomb. He’s also a friend.

Thank you Gerry LeTourneau, and veterans everywhere, for your service to our Country!

Winter is around the corner:

Ice, snow & wind can have devastating effects on your home.The time to winterize is before the snow begins to fall …

Winterize Your Home

I hate to think it, but winter is around the corner.

Ice, snow & wind can have devastating effects on your home.The time to winterize is before the snow begins to fall.

Here are some suggested precautions:

  • Maintain gutters. Removing leaves, acorns, sticks & debris from gutters so that snow & ice can drain properly can help prevent dreaded ice dams.
  • Trim trees & remove dead branches. Ice, snow & wind can cause weak trees or branches to break damaging your home, car or injuring someone.
  • Check Insulation. Add extra insulation to attics, basements and crawl spaces. If too much heat escapes through the attic it can cause snow or ice to melt on the roof. Water re-freezing causes more snow & ice to build up resulting in collapsed roofs & ice dams. Ideally, the attic should be five to ten degrees warmer than the outside air.
  • Keep your home warm. The temperature in your house should be at least 65 degrees. The temperature inside the walls where the pipes are located is colder than the walls themselves.

At Fault Accident Surcharge Appeal

Have you been found “at-fault” in an accident?

Have you received the surcharge notice?

If you believe you were less than 50% at-fault, you should appeal the surcharge.

Accident Surcharge Appeal

Have you been found “at-fault” in an accident?

Have you received the surcharge notice?

If so, this means your insurance company paid out over $500 and have determined you to be more than 50% at-fault.

If you believe you were less than 50% at-fault, you should appeal the surcharge.

When determining fault in an accident, unlike the insurance companies, the Board of Appeals takes into consideration contributing factors; such as: road condition (icy, wet, snow-covered), visibility, other vehicle erratic driving, etc.

Once you’ve received your hearing date you can: appear in person, submit a written statement, or select someone to appear on your behalf.

Appeal hearings are scheduled in:  Boston, Brockton, Peabody, Plymouth, Somerville, Springfield, Waltham, or Worcester.

If you decide to appeal your surcharge, call us to discuss!

Mass.gov Board of Appeal Contact information

http://www.mass.gov/ocabr/consumer/insurance/auto-insurance/appeal-license-revocation/board-of-appeal-contacts.html

Board of Appeal
Division of Insurance
1000 Washington St, Suite 810
Boston, MA 02118-6200
Phone (617) 521-7478
Fax (617) 521-7772
Email: BOA Mailbox


Merit Rating Board
P.O. Box 55889
Boston, MA 02205-5889
Phone: (617) 351-4400

Disappearing Deductible and Accident Forgiveness

If you have Accident Forgiveness, your insurance premium won’t increase because of an at-fault accident. This will save you thousands of dollars over the term of the surcharge …

Johnson & Rohan Insurance

There are two terrific endorsements that some insurance companies in Massachusetts offer: Disappearing Deductible and Accident Forgiveness.

Safety Insurance, for example, offers a nifty endorsement called the “Shield Plus” endorsement.

It’s only available if you’re a “99” or “98” driver (violation and accident free for at least 5 years) and costs $35 annually, per vehicle.

The endorsement includes:

  • -$500 Disappearing Collision Deductible Credit
  • Accident Forgiveness (If in an accident during the policy term, Safety Insurance will not apply additional accident surcharge points to your driving record!)
  • Air Bag Coverage
  • Personal Effects Coverage
  • Rental vehicle Loss of Income
  • Emergency Road Travel Expenses
  • Supplemental Towing & Labor
  • Extended Substitute Transportation
  • Seat Belt Coverage
  • Pet Coverage
  • Extended Substitute Transportation

Often we recommend this endorsement. If you presently carry a $500 Collision deductible, you can typically save between $100 – $400 annually by carrying a $1,000 Collision deductible.

The Safety Shield Plus endorsement, with it’s -$500 disappearing deductible feature, lowers the $1,000 deductible to $500.

Even better than the deductible is Accident Forgiveness.

If you have Accident Forgiveness, your insurance premium won’t increase because of an at-fault accident. This will save you thousands of dollars over the term of the surcharge.

Give us a call or click to find out more.

Thank you for insuring with Johnson & Rohan Insurance.

Johnson & Rohan