Dangers of Distracted Driving

dangers of texting and 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.

If you have a long road trip in front of you, make sure you are well rested and alert.

 

 

Advanced Driver Training

Advanced driver training discount

The number one killer of teens is automobile accidents.

Johnson & Rohan Insurance promotes safe driving and recommends In Control Advanced Driver Training.

Many companies offer an Advanced Driver Training discount, one of our companies in particular (Safety Insurance) supplements the cost of the class. Instead of paying the standard rate of $299, Safety Insurance clients pay only $75.

In addition, clients receive a 5% discount on their auto insurance (Safe Roads Alliance).

In Control offers crash prevention training to drivers of all ages. This closed course, hands-on education was adapted from existing law enforcement training in the United States as well as European instruction that led to a societal shift in attitudes toward driving in many countries.  

In Control has trained nearly 25,000 students and receives endless praise from graduates, parents, schools, police departments, insurance companies, legislators and community groups all over New England.   Most graduates enjoy insurance discounts and the peace of mind knowing that they have been trained for emergency situations.  Third party research has found a 70% reduction in crashes for new driver graduates of our training and similar results for experienced drivers trained through our commercial programs.

While focused on training New England drivers of all ages, In Control has traveled the United States providing training, consulting and products to keep people safe from the most dangerous thing we do.

Call, click, or stop by to find out more about Advanced Driver Training.

Heading to Florida?

If you have your own MA personal auto insurance policy then your coverage will follow you in the United States, U.S. Territories, Puerto Rico, and Canada …

MA Auto Policy On Vacation

Before relaxing on a long vacation, there are many things you need to think about: airline tickets, hotel reservations, and car rental. What about your auto insurance coverage?

If you have your own MA personal auto insurance policy then your coverage will follow you in the United States, U.S. Territories, Puerto Rico, and Canada.

If you travel to Bermuda, Europe, Mexico or other international destinations, you MA personal auto insurance coverage will NOT follow you and you will want to purchase coverage from the rental company.

Give us a call to see if the coverage you carry is adequate or give us a click for your free MA auto insurance quote!

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.

Safety Insurance Mobile App

One of our companies, Safety Insurance, has a new, mobile phone application.

If we have you with them, you might want to take a look:

Safety Mobile Phone App

Johnson & Rohan Insurance is an independent, Massachusetts Insurance Agency.

Although there’s been renovations, we’ve been in the same Lynnfield, MA office building for over twenty years.

When our clients utilize our services, they utilize the enormous shopping power of the independent insurance agent.

We shop auto coverage with 7 auto companies and even more home and life carriers.

One of our companies, Safety Insurance, has a new, mobile phone application.

If we have you with them, you might want to take a look:

Safety Mobile

Insurance just got a whole lot easier with Safety’s iPhone App right at your fingertips. Features will allow you access to your Safety account, which provides you with functionality such as: pay your bill, report a claim at the accident scene, view your insurance card and access your agent information. Not a Safety policyholder? That’s OK; use the Find an Agent tool to locate an Independent Agent near you.

What’s New in Version 2.1

Added Mobile Bill Pay to the Safety Mobile App

You can make a payment subject to the terms and conditions and our posting schedule. You can choose an amount to pay: the minimum amount due, the total balance or another amount. You will receive a confirmation email after you have made your payment.

apple icon iPhone App

Android Phone QR CodeScan to download
(using QR code scanner)Or download from
Apple Store

Android icon Android App

Android Phone QR Code for AndroidScan to download
(using QR code scanner)Or download on
Android Market

Safety Mobile icon Safety Mobile Website

Safety Mobile Site QR Code for m.safetyinsurance.comScan to go to the site
(using QR code scanner)Or go to
m.SafetyInsurance.com

 

 

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.