Ordering Massachusetts Vanity Plates

Massachusetts Vanity License Plates

 

Have you ever thought about getting Massachusetts Vanity License Plates? If so, you are not alone.

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

What you need for Request a vanity license plate

All vanity plates must begin with 2 letters. The plate can be no more than 6 characters, or a maximum of 5 characters for motorcycle plates. Vanity plates cannot have letters and numbers intermixed. See the More Info section for detailed plate criteria.

How to request Request a vanity license plate

Next steps for Request a vanity license plate

Pick up your vanity plates

To pick up your vanity plates at the RMV Service Center, you will be required to:

  • Submit a completed RMV-3 form to swap plates. This must be stamped by your insurance company
  • Surrender your old plate(s)
  • Pay the swap fee

Vanity plates must be picked up within 90 days.

More info about Request a vanity license plate

Vanity Plate Requirements:

  1.  All vanity plates must start with at least two letters.
  2. Passenger, Camper, Livery, Bus, and Commercial vanity plates may contain a maximum of 6 characters (letters or numbers) and a minimum of 2 characters. Vanity plates for antique vehicles may contain a maximum of 4 characters and a minimum of 2 characters. Motorcycle vanity plates may contain a maximum of 5 characters and a minimum of 2 characters.
  3.  Numbers cannot be used in the middle of a plate; they must come at the end. For example, AAA222 would be an acceptable Passenger vanity plate; AAA22A would not be acceptable. The first number used cannot be a “0.”
  4. The letters “I,” “O,” “Q,” and “U” can ONLY be used as part of a word that is clearly defined and correctly spelled. For example, “LQQK” would not be an acceptable registration number because it is not a correctly spelled word.
  5. No periods, spaces, or punctuation marks are allowed.
  6. Letter and/or number combinations that convey an offensive message or appear to duplicate an existing registration plate are not permitted.

Plate Criteria

  1. The Registrar will not knowingly issue a requested Vanity registration plate containing a group of letters or combination of numbers and letters if the plate is either offensive or duplicative of an existing registration. Specifically, the Registrar will not issue a requested combination of letters and numbers or letters alone if:
    • Such combination is vulgar in that it is in poor taste or is degrading or is considered a profanity, including a swear or curse word, not usually displayed in the community for general viewing
    • Such combination is derogatory in that it disparages or belittles someone or something
    • Such combination is obscene in that it refers to a sexual body part, a term for or most closely associated with a sex act, or the availability for sex
    • Such combination is an expression of contempt, ridicule, or superiority of a race, religion, deity, ethnic heritage, gender, sexual orientation, disability, or political affiliation
    • Such combination is an expression of “fighting words” designed to inflame passions and possibly lead to a violent confrontation
    • Such combination would appear to duplicate a registration already issued
  2. The Registrar may reject a requested combination for other reasons if she reasonably determines that issuance of the requested combination would be inappropriate as a state-issued registration plate.
  3. It is irrelevant whether offensive material is communicated when reading the vanity plate from left-to-right or from right-to-left, when viewed through a rear view mirror, or whether it is in a foreign language or in a code which only a small segment of the community may be able to readily decipher.
  4. The Registrar reserves the right to recall a vanity plate that has been issued, even if such registration and plate have been renewed. If the Registrar becomes aware that a group of letters or a combination of numbers and letters appears to be offensive in nature, or that a plate appears to duplicate an existing registration, this will be sufficient cause for recall.

Downloads for Request a vanity license plate

Insurance Spring Cleaning

Each year, like Spring Cleaning, visit, phone, or exchange e-mails with us to review your insurance coverage!

It is important to understand your insurance coverage.

We are here to help.

Some questions to ask us:
  • Do we carry adequate liability limits? Limits should equal, at least, your net worth.
  • Should we carry Umbrella coverage? (Yes.)
  • What is the value of our vehicle? If the value is low, should we still carry collision coverage?
  • If our car loan is paid off, should we remove the lienholder on our policy?
  • Are we getting all available discounts?
  • Should you have Special Items, such as jewelry, antiques, silverware, or collectibles scheduled onto your policy?
  • Would you like us to quote your business insurance? Johnson & Rohan Insurance has great commercial markets.

Call us for your annual, insurance spring cleaning review, explanation of coverage, and discount double-check.

Winter Driving Tips

Winter Driving Tips by Johnson & Rohan Insurance

Well, we finally got it: The big storm! Here in Lynnfield, we got at least a foot of the wet & heavy.

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.

 

Snowplowing and Insurance

snowplowing

Snowplowing and Insurance. It’s that time of year. 

Plows are breaking out in every community.  Our phone rings and our client on the other end has questions about plowing and plates or plowing and insurance or both.

Here’s the skinny: Massachusetts law is clear on the point that if you plow for hire, you need Commercial plates.

Personal passenger plates are acceptable only if you plow your own driveway, or if say you plow a relatives driveway but do not get paid.  Even still, a police office might write a ticket to a vehicle plowing with Private passenger plates- such a ticket would need to be appealed.

Insurance and plowing is a little more complicated.

Insurance carriers have different appetites for vehicles used for plowing.  We work with some that will not write plows of any kind, others that will write only vehicles used for residential plowing and others that allow plowing without restriction.

Snowplowing and Insurance. Please call if you plow and we can review your specific situation to ensure you have the right coverage and plates.

Frozen Pipe Prevention

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:
  • Maintain higher than normal temperatures (65 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 frozen pipe prevention.

Umbrella! Umbrella! Umbrella!

Umbrella! Umbrella! Umbrella!

We say it over and over again because if you don’t have an umbrella policy, you should.

Personal Liability Umbrella coverage is an important part of your financial portfolio.

Umbrella Insurance protects your assets.

A Personal Liability Umbrella Policy “sits-over” your home and auto liability limits. Coverage limits start at $1,000,000 (up to $5,000,000) and provides you protection from lawsuits.

Coverage is relatively inexpensive to purchase. $1,000,000 of coverage sitting over two autos and a home would cost about $180 annually.

Umbrella Policies require underlying motor vehicle liability limits of $250,000 per person/ $500,000 per accident.

In addition to coverage limits, insurance companies provide legal defense.

So, in essence, when you purchase higher limits you are also purchasing improved legal defense.

In an ideal insurance world, you want your insurance limits to, at least, match the amount of your assets.

No one wants to spend more money on insurance, however, rather than simply trying to save money, you should be asking: Do I have enough coverage?

Please call or click if you would like to discuss Personal Liability Umbrella Coverage.

Dangers of Distracted Driving

Dangers of Distracted Driving

Distracted driving is the most common cause of accidents.

The most common distraction is texting or looking at your cell phone.

The National Insurance Highway Institute describes 3 types of distractions:

  1. Visual – taking your eyes off the road;
  2. Manual – taking your hands off the wheel; and
  3. Cognitive – taking your mind off what you’re doing.

In order to best avoid distractions: put away any device that might tempt you to stray away from the driving task at hand.

If you have kids in the car, make sure they are securely in their safety seats before departing. Make sure the DVD is loaded, coffee is in the cup holder, and everyone has their snacks, tissues and barf buckets.

If you have a long road trip in front of you, make sure you are well rested and alert. Have your destination plugged into your navigation system and, of course, your seat belt is on.

This time of year it can be difficult with fogged windows, ice, snow, rain and snow banks, to see out your windshield.

Spend extra time warming up your auto, de-fogging windows, scraping windows, mirrors and make certain your windshield wipers are in good working order.

Most important: pay attention while driving.

With proper planning and a little patience, we can help avoid the dangers of distracted driving.

 

24/7 Claim Reporting

Our companies offer 24/7 claim reporting.

During off hours, have your policy number ready, and click or call one of our following companies.

Johnson & Rohan Insurance hopes everyone has a warm and safe winter!

Available 24 hours per day/ 7 days per week!

Travelers: 1-800-252-4633

  • travelers

 

 

Safety Insurance: 1-800-951-2100

  • safety-insurance

 

Vermont Mutual: 1-800-435-0397

  • vermont-mutual

 

Mass Property (MPIUA): 1-800-392-6108

  • mass-property

 

MAPFRE/ Commerce: 1-800-221-1605

  • mapfre

 

Arbella: 1-800-272-3552

  • arbella

 

 

Progressive:  1-800-776-4737

  • progressive

 

Plymouth Rock: 1-844-346-1225

  • plymouth-rock

 

 

Bunker Hill: 888-472-5246

 

Snow Shoveling Tips

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.

Happy Holidays and Happy New Year!

Happy Holidays and Happy New Year from Johnson & Rohan Insurance

Happy Holidays and Happy New Year from Johnson & Rohan Insurance.

2018 was the most successful year in our Agency’s 25 year history.

We added more companies to our portfolio enabling us to offer even more choices to our clients. We invested in technologies including a new Agency management system. We marketed more than ever before and grew beyond our own high expectations.

To all of our clients we offer BIG THANKS.

Thank you for insuring with us.

Should old acquaintance be forgot,
and never brought to mind?
Should old acquaintance be forgot,
and old lang syne?

For auld lang syne, my dear,
for auld lang syne,
we’ll take a cup of kindness yet,
for auld lang syne.
Happy New Year.