Massachusetts Junior Operator Law

Getting your driver’s license is an exciting, and sometimes scary, event for the new driver and the new driver’s family.

Massachusetts has a strict Junior Operator Law for new drivers …

MA Junior Operat Law

Getting your driver’s license is an exciting, and sometimes scary, event for the new driver and the new driver’s family.

Operating a motor vehicle is serious business and the Commonwealth of Massachusetts has a strict Junior Operator Law for new drivers.

As a refresher course:

Any motor vehicle operator or motorcyclist between the ages of 16 1/2 and 18 is considered a Junior Operator. The Junior Operator Law has several requirements and restrictions that significantly affect the operation of a motor vehicle by a person who has a Junior Operator’s License (JOL). The basic purpose of the law is to provide new drivers supervised opportunities in which to develop good driving skills, while keeping those drivers free of the possible distractions caused by friends under age 18 who are present while the drivers are behind the wheel.

Following, from the MA Registry of Motor Vehicles Driver’s Manual, we offer Massachusetts Junior Operator License Restrictions:

  • You may not operate a motor vehicle within the first six months after receiving your JOL while any person under age 18 is in the vehicle (other than you or an immediate family member), unless you are accompanied by a person who is at least 21 years old, has at least one year of driving experience, holds a valid driver’s license form Massachusetts or another state and is occupying a seat beside you.

General Rule: The passenger restriction that applies to the Junior Operator (Under age 18) is lifted once the Junior Operator completes the six-month period or you reach age 18, whichever occurs first.

The six-month passenger restriction period will stop running, temporarily, during any suspension. When your JOL is reinstated, you will still have to complete the remainder of the six-month restriction period that existed at the beginning of the suspension period, unless you have already turned 18.

  • As the holder of a Junior Operator License (JOL), you may not operate a motor vehicle between 12:30 a.m and 5:00 a.m. unless you are accompanied by one of your parents or your legal guardian. If you are found operating a motor vehicle in violation of this restriction, you may be charged with operating a motor vehicle without being licensed. This is a criminal violation.
  • If you violate the passenger restiction or the night restriction, you will be subject to a license suspension of 60 dyas for a first offense, 180 days for a second offense, and one year for subsequent offenses. For a second or subsequent offense, you will also be required to complete a Driver Attitudinal Retraining course. The law requires the Registrar to impose this suspension in addition to any other penalty, fine, suspension, revocation, or requirement that may be imposed in connection with a violation committed at the time you were violating the passenger or night restriction.
  • You may not operate a motor vehicle that requires a commercial driver’s license (CDL).
  • You will be suspended for one year if you are udner 18 when you have committed certain driving offenses and alcolhol or drugs were involved (180 days if age 18 to 21), in addition to any penalty assessed by a court or other law.
  • You will be ineligible for a full license until you have completed the period of suspension imposed while operating with a JOL and you reach age 18.
  • You will face additional suspension periods of one year for a first drag racing offense and three years for a subsequent offense, you will be suspended for one year.

Call or click us at Johnson & Rohan Insurance if you would like more information on Massachusetts insurance or the Massachusetts Junior Operator Law.

 

 

 

Laughter can be the best medicine

The price is right and it’s free! It’s a great, big laugh …

Laughter is the Best Medicine

The price is right and it’s free! It’s a great, big laugh.

Researchers at Stanford University say that laughter can be strong medicine. The physical act itself increases blood flow and contracts abdominal muscles.

The most significant evidence of laughter’s power comes from a study of heart attack patients. Half of the study group watched comedy shows for 30 minutes every day. The other half didn’t. After a year, the laughers had one-fifth the number of repeat heart attacks that the control group had.

Doctors at the University California, Irvine, say watching a humorous video decreased levels of two key stress hormones that can cause irregular heart rhythms. Heart disease patients are often given beta-blocking drugs that specifically block these hormones. The doctors say laughter does the sane thing and is a lot more fun.

In other studies, laughter has been shown to help children and adults handle painful medical procedures.

Johnson & Rohan Insurance

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.

Johnson & Rohan

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…

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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 …

JoRo Insurance

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 …

Insurance is Asset Protection

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 …

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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 …

What to do if in an 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.
  • Contact us for prompt claims help.

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:

MA Auto Excise Tax

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 …

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.