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Johnson & Rohan Insurance

Johnson & Rohan Insurance is a full service agency specializing in all forms of insurance.

Johnson & Rohan Insurance offers our clients over 50 years of experience to provide the best service and top insurance products.

Together, principal family members: Don, Charlie, and Kevin have been working for our customers to ensure that they receive the lowest possible premiums, the best coverage, and the feeling of security that purchasing insurance should bring. We are a rapidly growing organization dedicated to investing in the latest technologies to provide top notch, “old- fashioned” service.

From our family to your family …

We recognize and appreciate good service when we receive it. Whether it’s getting our cars repaired, calling on a billing question, waiting in a teller’s line, or dining out … without good service it’s impossible, as a customer, to remain satisfied. When you call our office you will find a willing, helpful attitude and responsiveness that is the very best in the business, bar none.

At the time of a claim …

That is when the true value of your insurance agent really shows. As Independent Insurance Brokers we work for our client at the time of a loss. We take the extra step to insure that you get a prompt and fair settlement.

Planning a Summer Trip to Canada?

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

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

Canada requires that U.S. vehicles provide evidence of liability coverage when traveling the provinces.

Johnson & Rohan Insurance: Thank you for insuring with us!

Accident Surcharge Appeal

How did your winter go? Were you found “at-fault” in a Massachusetts auto accident? Were you involved in a weather related, slip and slide accident?

You may want to appeal your surcharge …

How did your winter go?

Were you found “at-fault” in a Massachusetts auto accident?

Were you involved in a weather related, slip and slide accident?

Have you received the surcharge notice? If so, this means your insurance company determined you are more than 50% at-fault in the accident and more than $500 was paid out in damages.

If you believe you are not more than 50% at-fault in the accident, then you should appeal the surcharge.

You should submit the written appeal (& non-refundabe $50) to the MA Board of Appeal within 30 days of receiving the surcharge notice.

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

The MA Board of Appeal tells us it is presently taking about 9 months before you will receive your hearing date.

Once you have 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.

Call or click us at Johnson & Rohan Insurance with any questions or to discuss.

Insurance is Asset Protection

Insurance is asset protection. Do you know your policy’s limits?

Is coverage sufficient to protect your net worth?

Call or click us to discuss …

Auto insurance can protect the value of your car & provide liability protection.

Liability protection helps protect you from lawsuits or injury, up to your policy’s coverage limits.

Home insurance protects the value of your home & also protects you up to the limits of your policy if sued, on or off-premises.

Life insurance provides financial protection.

Insurance is asset protection. Do you know your policy limits?

Is coverage sufficient to protect your net worth?

Call or click us to discuss.

Massachusetts Vanity License Plates

Have you ever thought about getting vanity license plates?

By using the following Registry of Motor Vehicles search tool, you can check to see if the vanity plate you want is available …

Have you ever thought about getting vanity license plates?

According to Mass.gov, the official website of Massachusetts, one of the most requested topics is ordering vanity license plates.

By using the following Registry of Motor Vehicles search tool, you can check to see if the vanity plate you want is available:

http://www.massrmv.com/VanityPlateRequirements.aspx

Ordering Vanity Plates

Vanity plates may be ordered in person.

In Person: Go to any full service Registry Branch and complete the Application for Vanity Plates Up to three plate requests can be made on one application. Payment must be made at the time of ordering.

Process: Within twelve to fourteen (12-14) weeks after your payment is received, you will receive a letter telling you the plates are ready and instructions on where to pick them up. The plates generally arrive at the branch within one week of the date of this letter.

To pick up your vanity plates at the branch you will be required to:

Submit an RMV-3, stamped by your insurance company.
Surrender your old plate(s).
Pay a swap fee.

Vanity plates must be picked up within 90 days.

What to do if in an accident:

1.) 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 …

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.

If reporting a claim during off hours you can do so directly:

Premier/Travelers: 1-877-425-2466
Safety Insurance: 1-866-906-5016
Vermont Mutual: 1-800-435-0397
MPIUA: 1-800-392-6108

MA Auto Excise Tax

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

In an attempt to demystify the annual, pesky excise tax we offer the following excise tax information:

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 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.

Lemon Law

When life gives you a lemon … give it back!

Over the years, our clients have called asking about The Lemon Law …

When life gives you a lemon … give it back!

Over the years, our clients have called asking about The Lemon Law.

To qualify for the MA Lemon Aid Law, your vehicle must fail an official Mass safety and emissions inspection within seven days of purchase.

Next, you must get a written estimate for the cost for the inspection-related repairs. If the repair estimate is for more than 10% of the purchase price of the vehicle, you can get a full refund from the seller (private party or dealer).

To get a refund you must return the vehicle to the seller within 14 days of purchase with a signed statement by the inspector of why the vehicle failed, a copy of the estimate and a letter telling the seller that you want to cancel the sale.

For more information, visit the Consumer Affairs website at http://www.mass.gov/oca or call (617) 727-7780.

Home Insurance Review

The standard homeowner (HO-3 Special Form) policy provides broad protection for your home however, there are limitations to coverage …
Call or e-mail us for your homeowner insurance review!

Homeowner Review Checklist

We recommend you review and call us with any “yes” answers.

Do you own jewelry, furs or watches with values over $1,000?
Do you own silverware with a total value of over $2,500?
Do you have a collection of valuables, including: coins, stamps or other?
Do you own any of the following: Musical Instruments, Fine Arts or Antiques, Camera Equipment, Sports Equipment, Personal Computer?
Do you own a boat?
Is there a trampoline on your property?
Do you have any tools, equipment or other property used in your business or occupation?
Would you like your insurance to provide: Replacement Cost Protection on your Dwelling, on your Personal Property, Credit Card/forgery protection, Ordinance or Law coverage, Earthquake coverage?
Flood is not a covered loss on a homeowner policy. Would you like to obtain rates for flood insurance? Also excluded from coverage are such things such as: rot, mold, mildew or animal/vermin/insect damage.
Are you interested in receiving information on: Auto, Life, Excess Liability (Umbrella), Boat or Business Insurance?

Please call us with any questions about your apartment, condominium, or home insurance protection.

Thank you for insuring with Johnson & Rohan.

Discount Double Check

Chances are, when you insured with Johnson & Rohan Insurance, we were able to save you money. Most likely, we also improved your coverage …

Chances are, when you insured with Johnson & Rohan Insurance, we were able to save you money. Most likely, we also improved your coverage.

Our job, as your Massachusetts insurance agent, is to shop your coverage with numerous companies, make coverage recommendations, and help you if you ever have a billing question or claim problem.

We re-rate renewals and suggest coverage improvements, shop for discounts, and recommend insurance programs.

Some of the traditional Massachusetts automobile insurance discounts include:

Age 65 or Older, Passive Restraint, Annual Mileage discounts, Anti-theft, Multi-Car, Driver’s Education, Public Transit

Additional discounts may include:

Account discounts, Excellent driver & excellent driver plus discounts (99 & 98 drivers), Pay in full discounts, Hybrid vehicle discount, Advanced driver training discount, Alumni & professional group discounts, Good student discount (“B” or better), Student away at school discounts

Call or click us for your Massachusetts Auto Insurance Discount Review!

Thank you for insuring with Johnson & Rohan Insurance.