Lynnfield, MA Insurance Agent

Lynnfield, MA Insurance Agent

If you search online for “Lynnfield, MA Insurance Agent,” you’ll find Johnson & Rohan Insurance.

But this is only part of the story.

We’ve been in Lynnfield, servicing clients, for over 25 years.

Same location: 50 Salem Street, Building A … 2nd floor. Same telephone number: 781-224-0909.

For 25 years we’ve been open Mondays – Fridays and on Saturdays (9 am – 12:00).

We’ve grown from a small, start-up Agency with zero clients to at a large, Independent Insurance Agency representing dozens of companies. We’re a modern day, American success story based right here in Lynnfield, MA.

You can find us online, have us find you the best premium & coverage but, perhaps, the best way to appreciate our Agency is by years of customer service.

Claims, billing questions, coverage questions, insurance problems and Registry of Motor Vehicles service is what we do.

We are your Lynnfield, MA Insurance Agent. We’ve been doing it for more than 25 years and we’d like to earn your business.

Call, click or stop by.

 

What To Do …if in an Auto Accident

What to do if in an Auto Accident

Getting in an auto accident can be a very scary thing.

Johnson & Rohan Insurance has some suggestions …

What to Do if you get 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.
  • For prompt claims call or e-mail Johnson & Rohan Insurance!

For more information about Johnson & Rohan Insurance services please give us a call or a click!

RMV Online

The Massachusetts Registry of Motor Vehicles’ website might save you a visit to a branch location: MassRMV.com.

Some of the services offered include: cancel your plates, change your address, renew your license, and renew your registration.

Johnson & Rohan online RMV links

The Massachusetts Registry of Motor Vehicles’ website might save you a visit to a branch location:  MassRMV.com.

Some of the services offered include: cancel your plates, change your address, renew your license, and renew your registration.

Johnson & Rohan Insurance’s links and listings of the RMV’s online services:

License/ID –

Registration/Title-

Renewal

Duplicates

Plates

Check My Status

Other-

What to do if your car is vandalized

Dealing with the aftermath of vandalism isn’t fun, so it pays to be prepared. At Johnson & Rohan Insurance we will review your insurance coverage before you have a loss …

MA Comprehensive Auto Insurance Coverage Part 9 MA Auto Policy

We hope you’re not reading this several days after your car has been vandalized, because that could hinder your auto insurance claim.

In order to qualify for insurance coverage for the vandalism, you must have comprehensive coverage on your auto policy, since it is that portion of the policy that covers claims for incidents that don’t involve collisions.

What to do if your car is vandalized:

  • Call the police. Vandalism is a crime, and you need to treat it as such. Your insurance company needs to know that an official record has been filed so it can make the payment based on what happened. Ideally, you could have the officers meet you right after you’ve found your car vandalized. If you can’t do it immediately, do so within 24 hours.
  • Keep your hands away from the damaged area. The police need to see your vehicle just as you found it so they can gather the evidence needed to make an arrest and provide prosecutors what they need to make a case. Okay, it’s not exactly like a CSI team is going to swoop down from helicopters, DNA kits in hand, to catch the perp. But suppose 14 other cars in the neighborhood have had similar damage in the past month. Yours might provide the crucial information necessary to end the crime spree.
  • Take photos. If you’ve got a cell phone with a camera with you or a camera itself, take plenty of shots to document the damage. If the police say they’re too busy to check out your vandalized car, at least you have some evidence of your own for the insurance company to support your claim.
  • Prevent further damage to the car. Once the police have done their inspection or you have documented all the damage, you will need to take some measures to keep your car from suffering more damage. Say someone broke a window in your car and the forecast calls for heavy rain. Put some temporary protection on the broken window area so your interior stays dry. Otherwise, expect to pay out of your own pocket to replace that waterlogged, moldy carpet.
  • Report the incident to your insurance company. Do this as quickly as possible. In fact, it likely is a requirement of your policy that you report promptly. The insurance company needs to verify the incident and the more time that passes, the harder it is for them to do so.

Prevent Future Vandalism

While you can’t eliminate the threat of vandalism, you can reduce its likelihood. Ideally, you’d park your car in a closed and locked area. Short of that, you should try to park in an area that is well-lit and open. You can also buy a car cover if you expect your car to be a tempting target where you live. Remember to: lock doors, roll up windows, and don’t leave anything of value in a visible place.

Johnson & Rohan Insurance Is Here for You

Dealing with the aftermath of vandalism isn’t fun, so it pays to be prepared. At Johnson & Rohan Insurance we will review your insurance coverage before you have a loss.

Call us at: 781-224-0909.

Cell Phones & Driving

Studies by the National Highway Traffic Safety Administration (NHTSA) found that more than 25 percent of all police-reported vehicular accidents are caused by the use of cell phones while driving …

Lynnfield, MA Insurance

For many Americans, especially those under 40, using a cell phone while driving seems perfectly normal. And when you consider that there are over 236 million cell-phone users, that’s a lot of them on the road. But is it safe? The numbers say no.

Studies by the National Highway Traffic Safety Administration (NHTSA) found that more than 25 percent of all police-reported vehicular accidents are caused by the use of cell phones while driving. (And, of course, thousands of other accidents go unreported.) Car insurance companies are keenly aware of the hazards.

The problem? A phone-using driver is a distracted driver. Though many maintain that “multi-tasking” has no effect on concentration, tests have repeatedly proven this false. According to University of a Utah study, for example, a young person on the phone has about the same reaction speed as someone 70+ years old. Other research and highway law enforcement observation commonly compare drive-and-chat performance to drunk driving. Excessive slowness, inattentiveness to traffic conditions, and lane-to-lane weaving are all dead giveaways.

The consequences, too, are predictably similar. Phone-distracted motorists hit more potholes, miss more warning signs, and generally fail more often to process their surroundings than do alert, fully focused drivers. The problem is most serious when pedestrians are involved. By law, a car must yield the right of way to all pedestrians at all times, but when a driver’s attention is diverted, this rule is one of the first to be forgotten.

No Hands? No Difference!

Many cell-phone users are convinced that hands-free devices remove the dangers of distracted driving. Not so. It isn’t the phone that causes mishaps, it’s the conversation itself. Just listening and processing information takes attention off the road. And if it’s something really important – a pivotal business discussion, bad news from home, or a heated argument – there’s likely to be little attention left for safe, sensible driving.

It isn’t surprising then that cell-phone calls are banned entirely from more than a dozen major nations, including Japan, Australia, Chile, Great Britain, and Spain.

Yet, Americans cling to their anything-goes attitude. Few states have outlawed cell phones completely, and of those that do, penalties are relatively light. In many places, a patrol car can pull over a driver for using a cell phone only if a more serious infraction is taking place, so the law is essentially meaningless.

What’s more, car makers are adding to the problem, installing voice-activated “intercom”-style phone systems as built-in equipment. These motorists may not have to worry about fumbling through pockets for a ringing phone, or dropping the phone in the middle of a conversation. But the distraction is still there, as long as someone’s on the line.

Texting while Driving

62 percent of high-school students admit to texting while driving, according to a survey by Students Against Drunk Driving and Liberty Mutual Insurance. Of these young texters, one in four believed there’s nothing unsafe about it …

Texting

62 percent of high-school students admit to texting while driving, according to a survey by Students Against Drunk Driving and Liberty Mutual Insurance. Of these young texters, one in four believed there’s nothing unsafe about it.

On the other hand, the National Highway Traffic Safety Administration (NHTSA) blames the use of cell phones at the wheel for some 1,000 fatalities and 240,000 nonfatal accidents every year. That’s about 25 percent of all crashes. Add to this the facts that most young people think they can easily “multi-task” and they think they’re immortal anyway, and you’ve got a big problem.

Cell Phones Are a Major Distraction

Safety studies by NHTSA, the University of Utah, and other researchers show that cell-phone use alone – just talking – is a major distraction for most motorists. It takes away the driver’s concentration. It slows reaction time. It impedes both-hands-on-wheel control of the vehicle. As highway-patrol officers have frequently confirmed, it reduces performance to the level of driving drunk.

What’s more, it’s not just the equipment’s fault. Hands-free cell-phone use is no safer. The real culprit is the conversation itself, especially when it involves decision making or emotional upset. There is simply no way a caller can adequately do the complex work of driving – scanning the road, monitoring traffic movements, reading road signs, adjusting speed, following distance, and other variables – while on a call.

Texting multiplies these deficits and adds a few more.

Thumbs Down, Say Lawmakers

States lawmakers are cracking down. Texting is now outlawed in 34 states and the District of Columbia. Law enforce

  • Inputting, like any kind of writing, requires more concentration that just speaking.
  • Most texters need to keep glancing at the phone’s keyboard and disregarding the road.
  • Reading an incoming text message can be even more problematic, as the driver squints at the tiny screen, then scrolls to follow longer messages.
  • Should the car hit a bump, the phone could fly out of the user’s hand. What then?

A study by the Federal Motor Carrier Safety Administration has found that while texting, 4.6 of every 6 seconds are spent looking at the phone instead of the road. At 55 mph, that’s equivalent to driving the length of a football field blindfolded. So deciding whether to retrieve a dropped phone could literally be a matter of life or death.ment officers can attest to the need, reporting that texters are easy to spot on the road since they are inattentive, swerve between lanes and drive slowly.

Other counter-measures to on-road texting are also taking hold. The Occupational Health and Safety Administration (OSHA), has petitioned President Obama for tougher laws. Why OSHA, the occupational agency? Because much of America’s workforce is on the road daily, delivering goods and services or conducting other business activities.

In response, the President instituted the Executive Order on Federal Leadership on Reducing Text Messaging While Driving in 2009. It prohibits texting by all federal employees during official business trips.

The courts and insurers are likewise adjusting to the spread of the texting habit. Phone-related accidents and injuries, whether caused by talking or texting, are seen as forms of driver negligence, in some cases on a par with DWI (“driving while impaired”) offenses. Increasingly, victims of such crimes are eligible to receive compensation for their losses.

Safety statistics, here and abroad, make it clear that texting and talking, whether hands-on or hands-free, make cell-phone use a major threat to public safety. But in the age of hand-held electronics, will the trend-setting Uncle Sam follow the lead of Great Britain, Japan, Chile, and more than a dozen other nations in banning these practices? The question remains open.

Call Johnson & Rohan Insurance Today

We have been doing business in Lynnfield, Massachusetts for over 20 years, so very little surprises us, including what people do while driving. Don’t hesitate to contact Johnson & Rohan Insurance for ways to instill good driving habits in your family or to discuss your insurance needs.

Thank you Veterans

Gerry LeTourneau is a veteran and witness to the bomb. He’s also a friend.

Thank you Gerry LeTourneau, and veterans everywhere, for your service to our Country!

Happy Veteran's Day

August 6, 1945-

100 miles off the coast of Japan, US sailors did not hear or feel anything. Instead they saw the huge mushroom cloud rise and get bigger & bigger, & wider & wider.

American bomber, Enola Gay had dropped “Little Boy,” the five-ton atomic bomb, over the Japanese city of Hiroshima.

The Navy Fleet was ordered to change direction and face the waves, so not to capsize. Waves became one hundred feet high.

Aboard the USS Kearney 19 year old signalman Gerry LeTourneau felt as if he had left his balls at the crest of the wave. He held onto the rail of the destroyer for dear life.

Later, the bodies came. Thousand of floating, radioactive, Japanese bodies.

On deck of the USS Kearney, sailors were ordered to install .50 caliber machine guns and shoot holes in the radioactive bodies until they sank.

Gerry LeTourneau is a veteran and witness to the bomb. He’s also a friend.

Thank you Gerry LeTourneau, and veterans everywhere, for your service to our Country!

Independent Agent Advantage

We understand you have lots of choices when it comes to buying insurance.

Johnson & Rohan Insurance Advantage:

Johnson & Rohan Advantage

We understand you have lots of choices when it comes to buying insurance.

Johnson & Rohan Insurance Advantage:

  • We assist you at claim time
  • We rate with 7 auto insurance companies. This allows us to find the lowest premiums and best insurance programs.
  • We’re not beholden to any one company; thus, you don’t need to change agents as your insurance and service needs change.
  • We are your personal insurance consultant, working with you as you determine your needs.
  • We offer one-stop shopping for a full range of products including: home, renters, condo, auto, business, life and health insurance.
  • We periodically help you review your coverage to keep up with your changing insurance needs.
  • When billing questions or issues arise, we are here to assist you.
  • We treat you like a person, not just another number.
  • We assist with the Registry of Motor Vehicles.
  • Serving you is important to us, both as a business and as a family.

Thank you for insuring with Johnson & Rohan.

We appreciate your business.

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.