Off Hours Claim Reporting

Johnson & Rohan Insurance recommends you call us when you have a claim. We will then report the claim to your insurance company and have them contact you. In addition we’ll advise, advocate and forward claim number and handler information.

Claims, of course, don’t always happen during office hours and if you find yourself in need of reporting a claim, following please find off-hours claim reporting numbers:

If possible, you will want to have your policy number ready and call or click:

Travelers: 1-800-252-4633
Safety Insurance: 800-951-2100
Vermont Mutual: 1-800-435-0397
Mass Property: 1-800-392-6108
Progressive Insurance: 1-800-274-4499
Bristol-West: 1-800-272-7865
Swyfft Insurance: 1-877-799-3389
Hagerty Insurance: 1-877-922-9701
Utica First Insurance: 1-800-456-2139
MAPFRE/Commerce: 1-866-351-2548
Grundy Insurance: 866-338-4006

Openly Insurance: 888-808-4842

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: 781-224-0909
Fax: 781-224-0546

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

Email Don Johnson, Charlie Johnson, Kevin Johnson, Don Johnson III, Larry Swasey

Mass Registry of Motor Vehicles Contact Info

Below please find Mass Registry of Motor Vehicles contact info:

For RMV Atlas Support Issues
Please contact ATLAS.IPM@dot.state.ma.us

if you have RMV questions or have technical issues.

for a manual and other information click on: https://atlas.massrmv.com/IPMProgram.aspx. If the user clicks on Training and Support, they will get to the “IPM eServices Reference Guide for Insurance Industry Users”
Have a Payment Link Resent/Issue:
Email RMVRegDropoff@state.ma.us Include:
Drop Off Date:
• RMV Drop Off Location:
• Name of Runner Service (if applicable):
• Name of your agency/business:
VIN #(s):
Email address for payment:

Special Plate Department – 857-368-8031

for issues with duplicate/replacement plates

to find out about a tin plate not received in mail

to order special plates.

Section 5 Department – 857-368-8030

Dealer, Repair, Owner Contractor, Transporter or Farm Plates
Question regarding these plate types
Questions on Renewals

IRP Department 857-368-8120 or email RmvMaIRP@dot.state.ma.us

Contact the IRP department with Apportioned plate Questions
Contact regarding Apportioned Renewals

Out of State Citations Department – 857-368-8200

Customers can now clear online OOS Reciprocal Suspensions

Registration plate cancelled in error – Complete this form and email it to MassDOTRMVEVRCaseSupport@dot.state.ma.us at the top of the form for correction: https://www.mass.gov/doc/evr-plate-cancellation-error-correction/download

This form can be used by NON-EVR Agents for correction.

Consumers that use the Drop Off Center that have not received a payment link or call to pick up work can send an email here: RMVRegDropoff@state.ma.us

They need to include:

Their Name

Branch Location

Date of Drop Off

Transaction Type

Email Address

ATLAS Security rmvbusinesspartners@dot.state.ma.us

If you are locked out you can call security to be reset

If you have a customer that wants to file a complaint for privacy violations, they can call security.

Title Department – 857-368-8050

If you have a customer that is showing a title has not been mailed, is under review or exam, you can contact titles to see if the title can be sent. Make sure that the mailing address is correct in the customer ATLAS account.

MAIA Registry Procedures Manual

You may also want to consider using the RPM that is key word searchable for your RMV questions. Here is a link to the MAIA RPM: https://massagent.com/MassAgentSite/Agency-Tools/AgencyTools/Registry-Procedures-Manual.aspx

Registration and Title Application Instruction Guide

Here is a guide on what sections of the RTA to complete for the transaction being processed: https://www.mass.gov/doc/registration-and-title-application-instruction-guide/download

Massachusetts Department of Revenue 800-392-6089

If you need information on sales tax values

If you need to determine the amounts of Penalties and Interest on motor vehicle sales tax.

EVR Surety Bond: EVR Surety Bond Flyer.pdf (massagent.com)
Merit Rating Bureau

For any questions: MRB-DL-FTP@dot.state.ma.us .

Massachusetts Homestead Act

The Massachusetts Homestead Act is designed to allow homeowners in Massachusetts to protect their primary residence against subsequent attachment, levy or sale to satisfy debts up to $500,000. The Homestead Law does not protect against: taxes or mortgages used to purchase the residence. Homeowners must file for the Homestead Act with The Registry of Deeds office in the county in which the residence is located.

Massachusetts charges a one time Filing Fee of $35 for a Declaration of Homestead.

Registry of Deeds Links:

Registry of Deeds Offices:

DISTRICT/COUNTY:	LOCATED IN:
Barnstable	Barnstable
Northern Berkshire	Adams
Middle Berkshire	Pittsfield
Southern Berkshire	Great Barrington
Northern Bristol	Taunton
Southern Bristol	New Bedford
Fall River Bristol	Fall River
Dukes	Edgartown
Northern Essex	Lawrence
Southern Essex	Salem
Franklin	Greenfield

The Homestead Act
Questions & Answers

La Ley de Protección de Hogar Seguro
Preguntas y Respuestas

City/Town to Registry Guide

DISTRICT/COUNTY:	LOCATED IN:
Hampden	Springfield
Hampshire	Northampton
Northern Middlesex	Lowell
Southern Middlesex	Cambridge
Nantucket	Nantucket
Norfolk	Dedham
Plymouth	Plymouth
Suffolk	Boston
Northern Worcester	Fitchburg
Worcester	Worcester

Massachusetts Deed

Rising Massachusetts Insurance Rates

We’re all facing rising Massachusetts insurance rates. Johnson & Rohan Insurance quotes auto insurance with 8 carriers and even more home insurance companies.

Unfortunately, we are in a hardening insurance market. It seems that every company is increasing coverage and premiums.

Replacement cost (pure construction cost) on homes has never been higher due to the cost of building materials and the cost of labor.

The cost to repair vehicles or replace a windshield has never been higher.

In order to save money you might want to consider increasing your deductibles from $500 to $1,000 or $2,500 or $5,000.

Double check the discounts you’re getting. Are you receiving a support policy discount? If you have your auto and home insurance with the same company, you should receive a large “account/bundle” discount. Do you have a central station fire and burglar alarm system? Make sure the system is reflected on your home insurance policy.

Review the endorsements you have on your policy. Most likely you carry “replacement cost protection on personal property.” This is a nice endorsement which eliminates depreciation on your personal property at claim time. Sometimes referred to as “a hidden deductible” if you don’t carry the endorsement. If you removed the endorsement you would probably save $200 – $300 on a standard home policy.

Do you have kids on your auto insurance policy? If so, you know how expensive they are. Review your auto insurance discounts to make certain they’re receiving a “good student” discount (B or better average). If they go away to school (over 100 miles from home) and don’t have a car with them, they qualify for an “away at school” discount. Review your auto’s annual mileage. If you average less than 7,500 miles a year, most companies offer a mileage discount on your auto insurance.

With rising Massachusetts insurance rates, give us a call, or send us an email, to discuss and review your insurance renewals.

Massachusetts Junior Operator Law

New drivers in Massachusetts (or parents of a new, MA driver) should be familiar with the Massachusetts Junior Operator Law.

Some of these regulations include:

The Junior Operator may not operate a motor vehicle within the first six (6) months after receiving a Junior Operator’s License while any passenger under the age of 18 is in the vehicle (other than the Operator or an immediate family member/sibling), unless the Junior Operator is accompanied by a person who is at least 21 years old. This person who is at least 21 years old must have at least one year of driving experience, hold a valid driver’s license from Massachusetts or another state, and must occupy the seat beside the Junior Operator.
The Junior Operator may not operate a motor vehicle during the hours of 12:00 am (midnight) to 5:00 am unless accompanied by a parent or legal guardian.

Parents will want to talk with their new operators about the privilege, dangers & responsibilities of driving a motor vehicle. Practice with your new operator, buckle up & remember to drive safely!

MA RMV Low Number Plate Lottery

The Massachusetts Registry of Motor Vehicles (RMV) recently announced that applications for the 2023 Low Number Plate Lottery will be accepted beginning on Friday, June 30, 2023, at 7:30 p.m.

Applying for a Low Number Plate

From the myRMV Online Service Center, scroll down to the “Plates” section on the left side, and select the “Apply for Plate Lottery” button.
- Applicants must apply by Thursday, August 31, 2023, 5:00 p.m. and, if selected for a low number plate, the winner will be notified after the drawing takes place which will be no later than September 15, 2023.
- There is no fee to apply to the lottery. However, winning applicants are responsible for standard license plates and registration fees.

This year, there are 191 plates available through the low plate lottery including plate numbers: 1999, 1100, 4004, and 4400.

Lottery Rules and Eligibility Requirements

Only one entry per applicant will be accepted, regardless of the number of active registrations the applicant has.
An applicant must be a Massachusetts resident with a currently active, registered, and insured passenger vehicle.
Companies/corporations may not apply.
MassDOT (Registry of Motor Vehicles, Highway, Mass Transit, and Aeronautics) employees, including contract employees, and their immediate family members are not eligible. (“Immediate family member” refers to one’s parents, spouse, children, and brothers & sisters.)
Requests for specific plate numbers will not be honored. Eligible applicants will be considered for all plates listed. Plates will be awarded in the order in which they are listed on Mass.Gov/RMV.
An applicant’s registration and license cannot be in a non-renewal, suspended, or revoked status at the time of entry, the time of the drawing, or the time of the plate swap. As such, an applicant must not have any outstanding excise taxes, parking tickets, child support, warrants, or unpaid E-Z Pass/Pay by Plate violations.
Online entries will be accepted only and must be submitted by 5:00 p.m. on Thursday, August 31, 2023.
Lottery results will be available on the RMV website: Mass.Gov/RMV. By law, lottery winners must be announced by Friday, September 15, 2023.
All winners will be notified by mail with instructions on how to transfer their current registration to their new lottery plate. Winners will have until Friday, December 29, 2023, to swap their plates.
Unclaimed plates will be forfeited and awarded to alternate winners after Friday, December 29, 2023.
Plates will be registered to the winning applicant only. All plates remain the property of the RMV even after registration.
All information received, including names of all applicants and the list of winners, is subject to release in accordance with the Massachusetts Public Records Law.

Note

Customers are encouraged to visit the RMV’s website or follow @MassRMV on Twitter for upcoming details on the virtual low plate drawing.
A link to the lottery event will be made available leading up to the lottery. In addition, applicants will be sent a notification via email.
The lottery results will be posted on the RMV’s website.

Stay Connected!

For the latest RMV updates and information, including for the Low Plate Lottery, follow the RMV on Twitter @MassRMV.

For the latest MassDOT news and information, including RMV updates, follow MassDOT on Twitter @MassDOT, Facebook, and Instagram.

Cyber Coverage

Cyber Liability Coverage: with an estimated cyber-attack occurring every 19 seconds, your business requires a robust cyber insurance policy to keep you safe and able to recover from cyber incidents.

Cyber Liability Coverage

Security Breach Expense
Security Breach Liability
Restoration of Electronic Data
Extortion Threats
Public Relations Expense
Computer and Funds Transfer
Business Income & Extra Expense
Social Engineering
Ransom Payments
Hardware Replacement Costs
Telecommunications Fraud
Post Brach Remediation Coverage

Standalone cyber insurance coverage is not as expensive as you may think. Give us a call to talk about what we can offer to help protect your business from cyber threats.

Happy 4th of July!

Happy 4th of July to your family!

Along with our freedom comes peace, happiness, and prosperity. Wishing you the best and countless blessings on this wonderful holiday.

Johnson & Rohan Insurance is closed on Monday, July 3rd – Tuesday, July 4th. We will re-open on Wednesday July 5th.

Hours of Operation

Monday – Friday: 9:00 a.m. – 5:00 p.m.
We are closed on Saturdays during the months of July & August.

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

If you are reporting a claim during off hours you can do so directly, have your policy number ready and call or click:

Did You Know? Safety Insurance Discount Program

Safety Insurance Discount Program

Safety Insurance offers a 5% discount program if you complete In Control’s crash prevention course. If insured with Safety Insurance, they will also subsidize the cost of the course, instead of it costing $350, you can take the course for $75.00.

In Control has been measured to reduce crashes by 70% compared to new drivers who only attend traditional driver education

The training methodology originally derived through European research, has been tested over 15 years by In Control leading major insurers to offer our graduates significant auto policy discounts and organizations like the Boston Police Department to utilize our expertise in training officers.

Specifically, the training addresses the driving issues that most affect the safety of drivers while on the road. The inclusion of skills was developed after examining insurance and police data to find the most dangerous activities, and assessing the biggest needs.

All of the training is performed in our vehicles, and each hands-on drill is taught in the car one-on-one with one of In Control’s highly qualified instructors.

More info: https://www.driveincontrol.org/safetyinsurance

The Safety Insurance discount program applies every year you remain with Safety Insurance.

Call Johnson & Rohan Insurance if you would like to discuss further.

Term Life Insurance Rating Factors

Term Life Insurance Rating Factors. Rates are all over the place. Low rates, high rates, it all depends on different term life insurance factors:

Age – Let’s face it. It’s not easy getting old. The younger you are, the longer you’re going to live AND the less expensive life insurance is.

Health History – Do you have a history of disease or chronic illness?

Current Health – Are you in good current health? Are you taking medications?

Physical Condition – Are you heavy or lean? Do you excercise?

Smoker – Smokers can still get life insurance policies but the cost is significantly higher.

Drinking –Refrain from drinking alcoholic beverages for at least 24 hours
prior to the exam (can increase fat in blood and liver functions). Drink a glass of water one hour prior to the exam.

(For Additional Life Insurance Exam Tips checkout our: Tips by clicking here.)

Occupation – Are you a professional stuntman?Are you a race car driver?

Hobbies – Do you skydive or bungee jump? Are you a member of Fight-Club?

Family History – Are your parents and sibling still alive? Is there a history of family illness or disease?

Gender – Life isn’t always fair. Women live longer than men AND pay less for life insurance.

So, there we have it folks, our Term Life Insurance Rating Factors.

It’s good to be young, healthy, work in an office, and play board games with your great grandparents!

If you’re looking for rates, try our site: MassQuotes.com where you can compare term life insurance rates at no cost from top-rated companies in seconds.

DISTRICT/COUNTY:

LOCATED IN: