Term Life Insurance is for the living

Term Life Insurance is for the living.

Life insurance isn’t for the person that dies, term life insurance is for the living.

term life insurance  -life insurance that pays a benefit in the event of the death of the insured during a specified term.

Simple. Term Life Insurance.

MassQuotes compares term life insurance rates at no cost from top-rated companies in seconds.

Term life insurance offers the greatest coverage for the lowest premium and can be a great solution for financial responsibilities such as: family protection, consumer debt, dependent care, education, funeral costs and mortgages.

MassQuotes will help you figure out the amount of coverage that’s right for you at a price you can afford. Simple. Term Life Insurance.

What to do if you get in an Auto Accident

What to do if you get in an auto accident

Getting in an auto accident is a very scary thing. We have some suggestions on what to do if you get in an auto accident.

What to Do if you get in an Auto 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 your Massachusetts Insurance Agent.
  • If you don’t have a Massachusetts Agent: good luck and call us for a quote on your renewal!

For more information about MassAutoQuote’s services (we do it all), please give us a call or a click!

Additional safe driving article: http://johnsonandrohan.com/safe-driving-tips/

Independent Agent Added Value

Independent Agent Added Value

For the past thirty years, or so, Massachusetts insurance consumers and Professional, Massachusetts Independent Agents have been pushed around by the insurance industry. Enjoying “state set” auto insurance rates, Massachusetts bloated to the fourth highest auto insurance rates in the country and withered to only 19 auto insurance carriers. It’s up to insurance professionals to  show: Independent Agent Added Value.

As of April 1, 2008 Massachusetts moved to a “managed competition” system. This move has been good for most consumers with a statewide decrease in auto rates of almost 8%. The rate casualties seem to be those with 10 or more points on their license and new drivers.

With all the industry changes and as a small business owner, I’ve found myself working harder and longer. My wife and three babies wonder who this tie-wearing, slightly stressed out, stranger is.  I continue to ask myself, as an Independent Insurance Agency: “Do we add value?” The emphatic answer: YES.

Independent Agent Added Value

Unlike the Liberty Mutuals and The Amicas, we write insurance with many different companies. We represent our clients, as opposed to representing the companies that we place business with. We spend the time to find out which companies are the best fit for our clients. Some companies have more of an appetite for new drivers, some more of an appetite for the home and auto “account business.”

We are here for our customers whenever they have a claim problem or a billing question. We also offer free Registry of Motor Vehicles service.

We are Professional Insurance Advisors that have the best interest of our customers in mind. We offer multiple lines of insurance and as our customers lives change we are here to assist with all their insurance needs.

Your Independent Insurance Agent should offer a lifetime of insurance products and services:

Parents put their newly licensed child on their auto policy, the child buys his first car, he moves out of the house and gets an apartment, he opens a business, buys an engagement ring, gets married, buys a home, has a child, buys life insurance, puchases a personal liability umbrella policy, gets rich, buys a vacation property, buys the ’65 Mustang Shelby GT350, and retires.

Your Independent Agent Added Value: We are here to help every step of the way.

Massachusetts Crash Report

Massachusetts Crash Report

You’ve been in an accident. Thankfully, you’re okay. You got the other driver’s information but now wonder: should I fill out a Massachusetts Crash Report?

When Must a Massachusetts Crash Report be filed?

MGL Chapter 90, Section 26 requires a person who was operating a motor vehicle involved in a crash in which (i) any person was killed or (ii) injured or (iii) in which there was damage in excess of $1,000 to any one vehicle or other property, to complete and file a Crash Operator Report with the Registrar within five (5) days after such crash (unless the person is physically incapable of doing so due to incapacity). The person completing the report must also send a copy of the report to the police department having jurisdiction on the way where the crash occurred. If the operator is incapacitated but is not the vehicle’s owner, the owner is required to file the crash report within the five (5) days based on his/her knowledge and information obtained about the crash. The Registrar may require the owner or operator to supplement the report and he/she can revoke or suspend the license of any person violating any provision of this legal requirement. A police department is required to accept a report filed by an owner or operator whose vehicle has been damaged in a crash in which another person unlawfully left the scene even if damage to the vehicle does not exceed $1,000.

You can print a copy here: http://www.massrmv.com/rmv/forms/21278.pdf

Once you have completed report send copies to:

  1. local or state police department in the city or town where crash occurred
  2. your independent, MA insurance agent or insurance company
  3. a copy to the RMV, Crash Records, PO Box 55889, Boston, MA 02205-5889

Where is the best place to find Massachusetts auto insurance? We recommend getting a quote from us at: MassAutoQuote.

What is bailment?

What is bailment?

What is bailment?

On your Massachusetts auto insurance policy, a “bailment” situation occurs when the operator (“bailee”) borrows a vehicle temporarily from the owner (“bailor”) and is responsible for returning the vehicle in the same condition as when it was borrowed. Otherwise, a claim for damages exists against the operator.

A “valid” bailment situation allows 100% recovery of physical damage payments against the other party’s insurance company in instances where the operator of your vehicle may have been primarily at fault.

In order for bailment to apply 4 conditions must be present:

  • the operator of your vehicle cannot be the owner and must have permission to use it
  • the owner cannot be an occupant of the vehicle at the time of the accident
  • the owner cannot benefit from the operator’s use of the vehicle at the time of the accident
  • at least 1% negligence must be proven against the other party involved in the accident

If all of these conditions apply, both the owner and the operator of the vehicle will need to complete a “Bailment Affidavit” which we will send to you. This signed document will be presented as evidence that a valid bailment exists and full recovery of all physical damage claim payments is warranted.

What is Gap Insurance?

What is Gap Insurance?

Gap Insurance sounds like something to be worried about.

Gaps can be dangerous. Gaps are something Evel Knievel might have jumped.

When talking about insurance, no one wants to have a gap in their coverage.

So, What is Gap Insurance?

If your vehicle is stolen or declared a “total-loss,” your auto insurance carrier will only pay what they determine is the actual cash value.

Actual cash value can be very different than what is owed.

The difference is known as: the gap. Gap insurance covers this amount.

Without gap insurance the lender will hold you responsible therefore look to you have pay the difference between the actual cash value and the amount left on the loan.

Many insurance companies allow Gap insurance to be added to the Massachusetts auto policy.

What’s the cost of Gap Insurance?

The cost for Gap insurance can range from between +$25 annually to +$120.

Sometimes Gap insurance coverage is included in lease agreements.

If leasing, make certain you know whether Gap insurance is included or not because it might be quite a shock to learn you don’t.

Is Gap coverage a good idea?

In conclusion, depending on the gap, it might be a great idea!

Give us a click or a call to find out more about Gap insurance & your Massachusetts auto policy!

MassAutoQuote is Massachusetts Auto Insurance

MassAutoQuote is Massachusetts Auto Insurance

MassAutoQuote is Massachusetts Auto Insurance.

We’ve been quoting auto insurance online in Massachusetts, and only Massachusetts, since 1999. Not even Geico can say that.

MassAutoQuote is consumer-friendly. We offer 4 convenient ways to get a Massachusetts auto insurance quote:

  1. Real-Time Quote – Spend a few minutes and get sample, real-time quotes from A rated carries.
  2. Easy Quote – Click and attach a copy of your auto insuranc Coverage Page and let our insurance professionals find you the best rates.
  3. Quick Quote – Enter only basic information and let us show yo different coverage and premium options.
  4. Give us a click, call, fax or stop by!
Utilize the power of your independent insurance Agent!

By using MassAutoQuote you’re using the power of the Massachusetts, independent insurance Agent. We shop auto insurance with numerous, top-rated companies. We find the best discount programs and coverage. We’ll make recommendations and offer you the best premiums. We’ll save you money and improve your coverage. MassAutoQuote is Massachusetts auto insurance.

Buy your auto insurance from a Massachusetts, Independent Insurance Agent!

Some people think it doesn’t matter where you buy your insurance, but it does. Rather than if you go direct, you have a third party to help you at claim, billing or insurance shopping time. When you buy your auto insurance from a MA Agent, we work hard to keep your business. In addition, it helps keep the local economy strong and keeps jobs here in Massachusetts.

MassAutoQuote is Massachusetts Auto Insurance.

We write auto insurance in Massachusetts … and only Massachusetts.

Click, call, fax or stop by! info@massautoquote.com, phone 781-246-8699, fax 781-224-0546, MassAutoQuote powered by Johnson & Rohan Insurance, 50 Salem Street, Lynnfield, MA 01940

Uber Drivers Beware

Uber drivers beware: The Massachusetts personal auto policy is very strict when it comes to Uber/Lyft or other rideshare programs.
Per a recent article in The Massachusetts Agent (Official Newsletter of the Massachusetts Association of Insurance Agents), companies can void all optional coverage if the consumer is in an accident while working as a driving service.
The article states, “Here is how the policy may or may not respond:
  • Part 3. Bodily Injury Caused by an Uninsured Auto – Coverage is limited to $30/80M for anyone injured while occupying your auto while it is being used as a public or livery conveyance.
  • Part 4. Damage to Someone Else’s Property – The policy will not pay if property damage occurs while your auto is being used as a public or livery conveyance.
  • All Optional Coverages – The policy will not pay under any of the optional coverages if the accident happens while your auto is being used as a public or livery conveyance.
  • Part 12. Bodily Injury Caused by an Underinsured Auto – The policy will not pay for anyone injured while occupying your auto while it is being used as a public or livery conveyance.”
In addition, if the insurance company knows how vehicle is being used, they can cancel coverage.
Although premium prohibitive, the other option is to write coverage as a commercial vehicle/commercial insurance policy.
Uber drivers beware.

Massachusetts Plates: regular vs. commercial

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Our Massachusetts Independent Insurance Agency received a question from a client regarding putting lettering on the back of her car and if this would require commercial plates.

Great question.

The Long answer:

The Massachusetts Department of Transportation defines commercial vehicles (requiring commercial plates) as:

“ANY MOTOR VEHICLE WHICH IS NOT A PRIVATE PASSENGER MOTOR VEHICLE, ANTIQUE MOTOR CAR, MOTORCYCLE, TRAILER, SEMI-TRAILER, AUTO HOME, HOUSE TRAILER, TAXICAB, AMBULANCE, HEARSE, LIVERY VEHICLE. BUS, SCHOOL BUS OR PUPIL TRANSPORT VEHICLE”.

This includes:  Any vehicle which has a vehicle weight of more than 6,000 pounds unless it is a sport utility vehicle, passenger van, pickup truck or cargo van meeting the definition of a private passenger vehicle.

  • Any vehicle which as five or more wheels i.e.; a dually
  • Any pickup truck or cargo van, owned by a partnership, trust or corporation unless the vehicle meets the definition of a private passenger vehicle.
  • Any pickup truck or cargo van if on the bed , roof or sides of the vehicle tools, equipment, supplies and materials are transported to or from a job site (personal projects without compensation are not considered a job site).
  • A vehicle which has business lettering, markings and/or advertisements on it.
  • A vehicle used for hire to plow.
  • A vehicle used for hire to transport or store goods or merchandise (unless the vehicle is owned by an individual, the maximum carrying capacity is 1,000 pounds or less and is only used on a part-time basis).
  • A vehicle used to transport or store goods or merchandise intended for sale in the operator’s business (unless the vehicle is owned by an individual, the maximum carrying capacity is 1,000 pounds or less and is only used on a part-time basis).

So,  according to the MA Department of Transportation, if the vehicle has business lettering, markings +/or advertisements, then the vehicle should have commercial plates.

Ways to Save Money on Massachusetts Auto Insurance

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1.) Package Your Auto & Home Insurance through the same agency/company!

Insurance companies that write in Massachusetts offer account discounts on both home and auto insurance. Discounts available are anywhere from 5% – 15% on the auto & between 10% – 20% on the home.

2.) Utilize an Independent Insurance Agency! 

Most Massachusetts Insurance Agencies write business with five auto insurance carriers. By utilizing an Independent Agency you will be utilizing the most valuable tool that the new, managed competition system offers. An Independent Insurance Agency will be most familiar with the different discounts and programs that are available.

3.) Take advantage of available discounts!

This one is, sort of, the tricky one. Different companies offer different discounts and knowing which ones are best for you is where an Independent Insurance Agent should be able to provide you valuable assistance.

When reviewing different companies discounts, however, keep in mind that no matter how many alleged discounts or percentage points companies are promising, the bottom line premium is the most important thing.

Discounts that are available are:

  • Account discount on your auto if you have a home, apartment or condominium policy with the same company.
  • Improved excellent driver & excellent driver plus discounts (99 & 98 drivers).
  • Pay in full discounts.
  • Hybrid vehicle discount.
  • Advanced driver training discount.
  • Certain college (for example: Boston College & Merrimack College) and organization (for example: Mass Bar Association & Mass Medical Society) discounts.
  • Good student discount (“B”or better)
  • Student away at school discount.

4.)  Make certain that you have the best insurance program!

Some of the new insurance programs that are available include:

  • Disappearing Collision Deductible.
  • Accident and Moving Violation Forgiveness.
  • Guaranteed Replacement Cost.
  • Emergency Road Travel Expenses.
  • Auto loan/Gap Coverage.
  • Combined bill options.
  • Electronic Funds Transfer billing option/ No service fees.