The Massachusetts Lemon Law

The Massachusetts Lemon Law

When life gives you a lemon …

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 https://www.mass.gov/topics/lemon-laws or call (617) 727-7780.

Snow Shoveling Tips

snow shoveling tips

We were hoping we were done with winter blog posts but New England weather is not quite done with us. So, we offer our snow shoveling tips:

The Basics

Snow shoveling can be compared to weight lifting, and in some cases, the aerobic aspect of this activity is similar to a workout on a treadmill! To help your body function on demand, consider the following tips:

  • Be heart smart! Don’t eat or smoke before shoveling snow. Avoid caffeinated beverages. These are stimulants and may increase heart rate and cause blood vessels to constrict.
  • If you experience pain of any kind, stop immediately and seek assistance.
  • Pace yourself during shoveling activities. Take frequent breaks and drink plenty of water. Snow shoveling is strenuous work, and it is important to re-hydrate your body often.
  • If the ground is icy or slick, spread sand or salt over the area to help create foot traction. Be aware that some areas may be uneven and could cause you to slip, trip, or fall.
Dress for Success!
  • Consider the weather when choosing outerwear. Dress in layers. Wear clothing that is easy to move in.
  • Wear a hat—a great deal of body heat is lost through the head.
  • If it’s icy cold, consider breathing through a scarf, but don’t let it obstruct your view.
  • Proper boots are essential for keeping feet warm and dry while appropriate soles provide traction. Good boots can help you maintain your balance!
  • Choose gloves that will keep your hands warm, dry, and blister free—consider thicker gloves, which allow for a good grip on the shovel’s handle.
Select a Shovel that’s Right for You

Shovels are made from different materials and come in many shapes and sizes.

  • Choose a shovel that is ergonomically correct—a shovel with a curved handle. Many hardware stores and home centers stock ergonomically designed snow shovels. These shovels help you to keep your back straighter reducing spinal stress.
  • Consider a shovel with a plastic blade instead of metal—plastic is lightweight—isn’t the snow heavy enough?
  • Sometimes a smaller blade is better. You will not be able to shovel as much snow per shovel load, but the load will weigh less, which puts less strain on the spine.
  • Get a shovel made to push snow. It is far easier to push snow than to lift it. There are shovels made expressly for pushing snow. See what is available at your hardware or home center store.

Once you have your shovel, you might want to consider spraying a bit of silicon lubricant on the blade. This can help keep the snow from sticking to the shovel. The snow will slide off the shovel blade.

Technique. Technique. Technique.
  • Warm muscles work better. So take some time to stretch to prepare your body for activity.
  • Just like with a golf club, hand placement on the shovel handle is very important! Don’t put your hands (grip) close to one another. Create some distance between the hands. This will give you more leverage and make it easier to lift snow.
  • Think about good posture and maintaining the natural curve of your spine.
  • Address your task directly. Stand with your feet about shoulder width apart to maintain balance. Try to keep the shovel close to your body. Bend at the knees—not the waist or back. Tighten your stomach muscles as you lift the snow. Lift with your legs—not your back. Do not twist your body. Dump the snow in front of you. If you need to move the snow to the side, move your feet—do not twist!According to the American Academy of Orthopaedic Surgeons, “If you must lift the snow, lift it properly. Squat with your legs apart, knees bent and back straight. Lift with your legs. Do not bend at the waist. Scoop small amounts of snow into the shovel and walk to where you want to dump it. Holding a shovelful of snow with your arms outstretched puts too much weight on your spine. Never remove deep snow all at once; do it piecemeal. Shovel an inch or two; then take another inch off. Rest and repeat if necessary.”
  • Don’t throw snow over your shoulder! Go forward with the snow.
  • Fresh snow is lighter in weight—so clear snow as soon as it has fallen. Snow becomes dense as it compacts on the ground. Wet snow is very heavy. One shovelful can weigh 20 pounds or more!
  • Pace yourself. Take frequent breaks to stretch your back and extremities.

Snowblowers
A snowblower is a terrific piece of machinery, but if it’s not used correctly, you can strain or injure your back. Snowblowers are designed to remove snow at a particular rate of speed. Pushing or forcing the equipment to go faster is defeating its purpose—to do the work for you!

Community Involvement
Not everyone is able to shovel snow or operate a snowblower. Consider the disabled and some in the senior population. Fortunately, many communities across the US have organized volunteers to help people who need assistance during the winter season.

Prevent Frozen Pipes

Prevent Frozen Pipes

Prevent Frozen Pipes. Old Man Winter has arrived and so have the dreaded: Frozen Pipe Claims!

According to The Insurance Journal:  “weather incidents account for more than half of all homeowners insurance claims, with wind, pipes freezing and bursting, roof and flashing leaks and ice dams among the major causes of home damage during weather events.”

On extremely cold days, take the following precautions to help prevent freezing pipes and resulting water damage:

To Help Prevent The Big Freeze/ Prevent Frozen Pipes:
  • Maintain higher than normal temperatures (70 degrees +).
  • Turn on your faucets and let the water trickle constantly.
  • Open cabinet doors under the sinks. This will allow the heat to warm the pipes.
  • Insulate pipes. Insulation goes a long way toward preventing freeze ups.
  • Your exterior faucets used for your garden hoses should be shut off from inside your basement and left open (even if you have freeze-proof sill cocks).

Contact Johnson & Rohan Insurance with any questions or if you would like to discuss tips to prevent frozen pipes.

Storm Safety Tips to Protect Your Boat

storm-safety-tips-to-protect-your-boat

 

 

 

 

 

Nothing can be more frightening to a boat owner than to hear that a hurricane warning has been issued for the area where your boat is located. Being prepared can limit uncertainty and reduce damage.

Here are some tips to help protect your boat prior to the storm’s arrival.
  • If possible, haul the vessel from the water on its own trailer or in collaboration with your marina.
  • If you are unable to check the vessel, have a plan in place to ensure that the vessel can be secured.
  • If the boat remains in the water, remove as much boating gear as possible including electronics and important documents.
  • Double up all lines and check that the lines are long enough to accommodate the expected storm surge. Add chafe gear and extra fenders to prevent damage.
  • If the boat is staying on its mooring, add chafe gear to the anchor rode and if feasible, add additional anchors in a three point position.
  • Reduce wind damage by removing sails, dodgers, dinghies, bridge enclosures and eisenglass.
  • Disconnect shore power cords, water supply hoses and close off any propane or other valves.
  • If possible & prudent, navigate the vessel inland to a secure location away from possible storm surge damage and from boats that could break away from their mooring or slip.
  • Secure and lock all hatches and port lights. Double check for leaks and seal as necessary if a leak is found.
  • Secure all loose gear and any item that may clog scuppers and deck drains.
    When in doubt “Haul her out.”
  • Never stay aboard during the storm.
  • If the vessel sustains damage from a storm, report the claim in a timely fashion!

Massachusetts Automobile Excise Tax

MA Automobile Excise Tax

 

 

 

 

In an attempt to de-mystify the annual, pesky excise tax we offer the following excise tax information:

Excise bills are prepared by the RMV 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.

Massachusetts Auto Insurance

Massachusetts Auto Insurance
Massachusetts Auto Insurance. Welcome to Massachusetts!

A few “fun facts” about Massachusetts:

  • Nickname:  The Bay State
  • State Bird: Black-Capped Chickadee
  • State Tree: American Elm

A couple “not so” fun facts:

  • Massachusetts has the highest accident rate in the nation.
  • Massachusetts has the 4th highest auto insurance rates in the nation.
Massachusetts Auto Insurance

It’s a new day & age in Massachusetts auto insurance.  After 30 years of state set insurance rates we finally have … competition!

It’s important to have an independent agent shopping rates and coverage with numerous companies in order to find the best rates.

By design,  insurance companies have complicated, multi-tiered rating systems. In order to get the best rates, your professional, licensed broker knows which factors to apply for each company.

The dreaded: Registry of Motor Vehicles

Auto insurance and Registration (& Title) go “hand in hand” in Massachusetts. You cannot have one without the other. Massachusetts does not have insurance cards as proof of insurance. Instead you have your vehicle’s Registration. Your Registration is your proof of insurance.

Massachusetts is a “Title state”, meaning that, in order to get your vehicle registered you must also get the vehicle titled in Massachusetts.

In order to get your new, Massachusetts Plates you will need to get paperwork from your insurance agent or company.

We  will have you sign an auto insurance application, and provide you with an insurance stamped, RTA Form.

Our Registry of Motor Vehicles service is complimentary (free) for our clients.

If you are new to the state with out of state registration, the Registry will look for your original title and a total of $86 ($50 for your new MA title & $36 for your new, MA plates/registration).

If a bank/lienholder has the title to your vehicle then, perhaps, a memorandum title can be issued. If so, the Registry will require a copy of your existing Registration and, if owned less than 6 months, proof of sales tax paid.

We recommend that you get a Massachusetts auto insurance quote through our website. Once you like the premium and coverage options that we show you, we will assist you with all aspects of Massachusetts insurance!

Happy Holiday & New Year

Happy Holiday

 

 

 

From our family to your family, we wish you a happy and healthy Holiday and New Year!

Please note, our office will be closed at 3:00 pm on Friday, December 30th and closed on Monday, January 2nd. Normal business hours will resume on Tuesday, January 2, 2023!

As always, you can report a claim during off-hours.

Have your policy number ready and dial:

Vermont Mutual:  800-435-0397

Safety Insurance:  866-906-5016

Progressive:  800-776-4737

Travelers/ Standard Fire:  877-425-2466

MPIUA:  800-392-6108

Commerce/MAPFRE:  800-922-8276

Amica:  800-242-6422

Plymouth Rock/Pilgrim Insurance: 617-951-1620

Hagerty Insurance:  800-385-0274

Swyfft Insurance:  855-479-9338

Openly:  857-990-9080

 

Cyber Insurance Coverage

 

Cyber Insurance Coverage

 

 

 

 

 

Cyber Insurance 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.

Our Agency writes with several companies that offer cyber liability coverage, including Cowbell Cyber.

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

Stand-alone 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.

24 Hour/ 7 days per week Claim Reporting

Did you know?

You can report a claim 24 hours/ 7 days per week.

Have your policy number ready and dial:

Vermont Mutual:  800-435-0397

Safety Insurance:  866-906-5016

Progressive:  800-776-4737

Travelers/ Standard Fire:  877-425-2466

MPIUA:  800-392-6108

Commerce/MAPFRE:  800-922-8276

Amica:  800-242-6422

Plymouth Rock/Pilgrim Insurance: 617-951-1620

Hagerty Insurance:  800-385-0274

Swyfft Insurance:  855-479-9338

Openly:  857-990-9080

Home Insurance Vermin Exclusion

Johnson & Rohan