If you have to send $250 to claim your prize, odss are: It’s a Scam!

This is how it works: You receive online or regular mail notice that you’ve just won a foreign lottery.

Sounds too good to be true? You’re right.

Odds are: it’s a scam.

It happens like this … someone calls, emails, or regular mails you. All you need to do is mail or wire a small amount for taxes and fees to claim your prize.

Just hang up the phone or ignore the email.

Never wire or send money to anyone, anywhere, who says you’ve won a prize.

NO LEGITIMATE LOTTERY SHOULD ASK YOU FOR MONEY TO CLAIM YOUR PRIZE.

Driving while drowsy is a dangerous combination.

The dangers of drinking and driving are obvious to most people. Many don’t place fatigued driving in the same risky category, however fatigue can seriously impair a driver’s judgment and reaction time.

Studies suggest that drivers who have been without sleep for more than 24 hours are as impaired as drivers who are legally intoxicated.*

*National Sleep Foundation, Drowsy Driving Prevention Resources, Key Messages and Talking Points.

When Johnson & Rohan Insurance signed you up, chances are we saved you money.

In addition we probably improved your coverage.

Our job, as your Independent Insurance Agent, is to shop your policies with different companies, make coverage recommendations, and to be here if you ever have a billing or claim question.

We re-rate renewals and often suggest coverage improvements or new discount programs.

Some of the traditional Massachusetts automobile insurance discounts:

Age 65 or Older – A 25% discount for all coverage items will be applied after all other discounts and rating factors, but prior to the application of the SDIP rating step.

Passive Restraint discount– A 25% discount applied to the premium paid for Parts 2,3,6 and 12 is available if your auto is equipped with an air bag or automatic seat belts.

Annual Mileage discounts – A 10% discount applied to the premium paid for Parts 1-8 and Part 12 is available if your estimated annual mileage falls between 0 and 5,000 miles. A 5% discount is available if your estimated annual mileage falls between 5,000 and 7,500 miles.

Anti-theft discounts – Up to 35% of the premium paid for Part 9 (Comprehensive) are available for automobiles with various types of qualifying anti-theft devices. Many glass companies offer complimentary “window etching” which will qualify you for a 15% anti-theft discount, in lieu of any other device.

Multi-Car discounts – Available if an individual or married couple own two or more autos insured by the same company and there are no inexperienced operators.

Driver’s Education discount – A 10% discount applied to the premium for Parts 1,2,4,5, and 7 is available for the first 3 years after an inexperienced driver has completed an approved training course.

Public Transit discount – A 10% public transit discount is applied to the premium paid for Parts 4 and 7 (up to a maximum of $75 per eligible vehicles). This discount is available if you provide your insurer with evidence of purchase of 11 months of commuter passes from qualified transit systems and if you do not drive your auto to work or school more than 10 days per month.

Additional Massachusetts auto insurance discounts may include:

• Account discount on your auto if you have a home, apartment or condominium policy with the same company.
• Excellent driver & excellent driver plus discounts (99 & 98 drivers).
• Pay in full discounts.
• Hybrid vehicle discount.
• Advanced driver training discount.
• Alumni & professional group discounts.
• Good student discount (“B”or better).
• Student away at school discount.
• Multi-vehicle policy & multi-car discounts.

Call or click us for your insurance discount review!

Sometimes overlooked on the MA auto policy are Parts 3 & 12, Uninsured & Underinsured Motorist Coverage.

These limits are important. So important, we recommend coverage be equal to your Part 5, Bodily Injury to Others coverage, which should be, at least: $100,000 per person/ $300,000 per accident. 

Uninsured & Underinsured coverage protects you and occupants from other drivers. It can pay for things like medical bills, lost wages, and pain and suffering.

Coverage also extends to you if you’re in someone else’s vehicle or if you’re struck by another vehicle as a pedestrian.

The cost to increase Parts 3 & 12 from state-minimum, $20,000 per person/ $40,000 per accident limits to $100,000 per person/ $300,000 per accident is relatively inexpensive. Depending on a number of factors, the annual cost is about $30.

Don’t overlook your Uninsured Motorist and Underinsured Motorist coverage limits.

Call or click us if you would like to discuss.

It’s that awkward time of year in New England known as: Mud Season.

Mud season occurs when the ground freezes and, as snow melts in the spring, the ground thaws and roads, paths and hiking trails become muddy. 

As the snow melts the frozen lower layers of ground prevents water from percolating into the soil, so the surface layers become saturated with water and turn to mud.

It can be a dangerous time to drive or ride your bike as roads, paths, and hiking trails develop ruts, pot holes, and giant puddles.

Clothing becomes etched with drops of muddy spray.

Although a messy time of year, it is a quiet interlude in many New England towns between the tourist seasons of summer, fall, and winter.

It is also a reminder that warmer days are ahead!