MA 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.

Johnson & Rohan Insurance Claims

Johnson & Rohan Insurance represents you, our client, at claim time. We see our role as your advocate to ensure a friendly, quick, fair, and professional claim experience.

If you have a claim, call us immediately at:

781-224-0909 or 1-800-491-1414

Fax:  781-224-0546

Office hours:

Monday – Friday 9:00 – 5:00 pm

Saturdays 9:00 – 12:00 pm

We often work extended hours and are available 24/7 by appointment.

If you call our office during off hours our answering machine will provide your different companies 24/7 claim reporting telephone numbers.

Accidents and home insurance losses don’t always wait for office hours!

If you have a claim during off hours, have your policy number ready and call:

Travelers/ Premier:  1-877-425-2466

Vermont Mutual: 1-800-435-0397

Safety Insurance:  866-906-5016

MPIUA:  1-800-392-6108

You can also report a claim right here on our website: Johnson & Rohan Report A Claim

You can click, print, fill out and send us a: MA Motor Vehicle Operator Report

Massachusetts Registry of Motor Vehicles

Did you know? At the Massachusetts Registry of Motor Vehicles website (mass.gov/rmv) you can:

  • Renew your license
  • Order duplicates (license, registration, title)
  • Renew your registration
  • Cancel your plates
  • Order a Special Plate
  • Change your address
  • Request a driving record
  • Pay a citation
  • Sign up for license renewal reminder service
  • Enroll as an organ donor
  • Request a crash report

Also, don’t forget, Johnson & Rohan Insurance offers daily, complimentary Registry of Motor Vehicles service for our clients.

Call or click us today!

Thank you for insuring with us.

 

 

 

 

Top 10 Reasons …

Top 10 Reasons to insure with Johnson & Rohan Insurance

  • #10 …  We will save you money!
  • #9 …    Low or no down payment!
  • #8 …    As brokers, we work on your side when you have a loss!
  • #7 …    Strong referrals from existing clients!
  • #6 …    Family owned, 50+ years of experience!
  • #5 …    We will improve your coverage!
  • #4 …    24 hour a day, 7 days a week auto claim service!
  • #3 …    Prompt, courteous service!
  • #2 …    Free Registry of Motor Vehicles Service!
  • #1 …    We make house calls!

What to do if in an accident

At the time of an accident, it is easy to get flustered. With this in mind, we offer some basic tips.

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.
  2. If there is significant damage to any of the vehicles or any potential injuries call 9-1-1 immediately.
  3. Get the names of the owners and drivers involved. Get license numbers, telephone numbers, and registration numbers.
  4. Get the names, addresses, and telephone numbers of witnesses.
  5. 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.
  6. For prompt claims help contact Johnson & Rohan Insurance!

phone: 781-224-0909 or 1-800-491-1414

fax:  781-224-0546

visit us at:  https://johnsonandrohan.com/claim.htm

e-mail us at: claims@JohnsonandRohan.com

Go Patriots!

As Super Bowl Sunday approaches, Johnson & Rohan Insurance is looking forward to the big game.

Specifics:

What?   Super Bowl XLVI = Super Bowl Roman Numeral 46

Who?    New England Patriots vs NY Giants

When?    Sunday, February 5, 2012  6:30 pm EST

Where?   Indianapolis, Indiana

Network?    NBC

Regular Season Records:

Patriots: 13 – 3

Giants: 9 – 7

Las Vegas? Patriots – 3 point favorites

Half time show?  ’80’s icon Madonna

According to 80music.about.com,

Top 5 Madonna songs:

Borderline

Like A Virgin

Material Girl

Into The Groove

Dress You Up

Last Super Bowl meeting between the two?

No comment.

Johnson & Rohan predicts:

Patriots:   45      Giants:   17

Go Patriots!

Win or lose, we’re happy to be watching February football!

Please Don’t Drink & Drive

… & don’t kick your dog, no matter what happens in the Super Bowl.

Personal Liability Umbrella Coverage

 

Umbrella Coverage protects your assets.

A Personal Liability Umbrella Policy “sits-over” your home and auto liability limits. Coverage limits start at $1,000,000 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.

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

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

 

Snow Shovelling 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.

Winter Driving Tips:

This morning, north of Boston, we woke to our first snow of 2012.

Thankfully it was only a dusting, but road surfaces were slick and frozen.

This got me thinking it’s time for Johnson & Rohan’s annual:

Winter Driving Tips:

  • Adjust your speed to the current conditions.
  • Antiicpate difficult situations.
  • Maintain a comfortable driving environment.
  • Turn on your lights.
  • While driving at night, leave your head lamps on low beam when driving in snow or fog.
  • Keep a smooth and light touch on the brakes for normal braking.
  • Keep both hands on the wheel.
  • Don’t oversetimate the capability of four wheel drive vehicles.
  • Anti-lock brakes can’t perform miracles.
  • Wear quality sunglasses.
  • When driving up a steep hill in icy conditions, gain speed and momentum before starting uphill.
  • If you do have trouble, and become stopped or stranded, run the engine only briefly – not continuously – to run the heater.

 

Happy New Year!

We recently came across an old Ann Landers column regarding the New Year:

“Let this coming year be better than the others. Vow to do some of the things you’ve always wanted to do but couldn’t find the time.  Call up a forgotten friend. Drop an old grudge, and replace it with some pleasant memories. Vow not to make a promise you don’t think you can keep. Walk tall, and smile more. You’ll look ten years younger. Don’t be afraid to say, ‘I love you.’ Say it again. They are the sweetest words in the world.”

Happy New Year from your friends at Johnson & Rohan Insurance