Driving Tip: The Three Second Rule

The American Driver and Traffic Safety Education Association suggests using the three second rule driving tip to help prevent rear-end accidents.

The “three-second rule” accounts for your reaction time to the movements of the vehicle ahead and your vehicle’s stopping distance.

You should add more time if the road is slippery, if you’re being crowded by a tailgater, if you’re towing a trailer or if you’re driving a large truck.

The three second rule driving tip:

When the vehicle ahead of you passes a stationary object, start counting:  1,001 … 1,002 …

The first second is your reaction time; the next two seconds account for your braking distance

You should not reach the object before you count to … 1,003. If you do, you are following too closely.

At a vehicle speed of 55 mph, the three-second rule creates a gap of 243 feet between cars.

If you’re looking for Massachusetts auto insurance, call, click or stop by. MassAutoQuote (powered by Johnson & Rohan Insurance) will save you money, improve your coverage and give you the best service you can find.

MA Inspection Sticker Exemptions?

MA Inspection Sticker Exemptions

Are you out of state with an expired Massachusetts vehicle inspection sticker? Wondering if there are any MA Inspection Sticker Exemptions?

Unfortunately, the Massachusetts Vehicle Check program tells:

There are no exemptions, but the vehicle owner can fill out an Out of State verification form found on our website mavehiclecheck.com under motorist resources, forms. This will notify the MA RMV that the owner is out of the state and cannot have the vehicle inspected at this time.

Thanks to our partners at Johnson & Rohan Insurance for this information.

 

Collector Car Insurance

 

Do you own a vintage auto?  If you own a car at least 25 years old, or that might be collectible in nature, MassAutoQuote may be able to insure it through the specialty market- great coverage at a fraction of the price.

We have two great Collector Car Insurance markets:

Grundy invented the agreed value classic car insurance policy in 1947 and are a true leader in the market- insure your classic with “The Olde Original.”

Hagerty Insurance is another established leader in classic car insurance- between the two, let us put together a customized quote from a single car to major collection.

What is your car worth? Find out by clicking: here.

https://www.hagerty.com/valuation-tools/make

We Are Massachusetts Auto Insurance

 

Our site, MassAutoQuote.com provides free Massachusetts Auto Insurance Quotes. We also try to post content that’s pertinent to our business, which includes the Massachusetts Registry of Motor Vehicles. We are Massachusetts Auto Insurance.

Our Insurance Agency, Johnson & Rohan Insurance, is located in Lynnfield, MA, 17 miles north of Boston.

We are a full service Agency that offers: home, auto, life, and business coverage.

We shop with numerous companies to find you the best coverage and premiums available in the industry.

 

According to Mass.gov:

How Much Insurance To Buy and What Types of Coverage Do You Need?

In order to register a car in Massachusetts, you must have automobile insurance.  By law, you must purchase four coverages called Compulsory (or Mandatory) Coverages in, at least, minimum amounts required by law, and in higher amounts if you choose to do so.  You may also buy a variety of Optional Coverages to suit your needs.

Compulsory Coverage

There are four insurance coverages that are compulsory in Massachusetts:

  • Bodily Injury to Others protects you, or someone you allow to drive your car, from legal liability if you accidentally injure or cause the death of someone else while operating your car.  It only covers losses if the accident occurs in Massachusetts and does not cover the injury or death of a passenger in your car. You must buy at least $20,000 per person and $40,000 if more than one person is hurt. 
  • Personal Injury Protection (also known as PIP) covers medical expenses, up to 75% of lost wages and replacement services up to a limit of $8,000. Massachusetts is a no-fault state which means no matter who causes the accident, PIP will pay these expenses for you or anyone you let drive your car, anyone living in your household, passengers in your vehicle and pedestrians.
  • Bodily Injury Caused by Uninsured Auto protects you, anyone you let drive your car, and household members and passengers (who are not covered under another similar Massachusetts policy) against loses caused by an uninsured or unidentified (“hit and run”) driver. You must buy at least $20,000 per person and $40,000 total for all people injured by the uninsured auto in the accident.
  • Damage to Someone Else’s Property, also known as Property Damage, pays for damage to another person’s property when you, a household member or another driver you allow to use your car cause accidental damage to another person’s property. You must purchase a policy that has a minimum limit of $5,000.

Optional Coverages:

The losses that a person injured in an automobile accident incurs and the damage to property from an accident sometimes may be much greater that the insurance provided by the mandatory coverages. For most drivers, the minimum levels of insurance will not give them enough protection and they may want to insure themselves for other types of losses that may result from automobile accidents.  For those reasons, people choose to purchase higher limits of property damage and bodily injury coverage, to purchase collision and comprehensive coverage, or to purchase other types of coverage.  An insurance agent or other insurance professional can help you determine what types and levels of coverage you need. Agents and companies must inform you in simple language of your coverage options when you apply for an automobile insurance policy, or if you have questions at any time.

All companies offer the following coverages that you may wish to buy:

  • Additional coverage for bodily injury to others, raising the limit to $35,000 for one person and $80,000 for all those hurt in the accident, providing bodily injury coverage for passengers in your car, and covering you if the accident occurs outside Massachusetts.
  • Comprehensive and Collision coverage subject to a deductible of $500 unless you have an excessive history of claims. Collision coverage pays for damage to your auto that is caused by the physical contact of your auto with another object, such as another vehicle or property like a guard rail.  Collision coverage will pay for damage to your car no matter who caused the accident.  Limited collision will pay for such damage in certain circumstances. Comprehensive coverage pays for direct and accidental damage or loss to your vehicle that is caused by something other than a collision, such as vandalism, fire and theft, falling objects, larceny, or contact with a bird or animal.  Comprehensive coverage also covers glass breakage not related to a collision.
  • Medical payments of at least $5,000. Medical payments  coverage pays for reasonable expenses for necessary bodily injury medical expenses and funeral services to anyone in your auto resulting from an accident, or if you or a household member is struck by an auto or while in someone else’s auto at the time of an accident.

Some of these coverages may be subject to important limitations and exclusions.  For example, if you are insuring a used private passenger automobile, an insurer may require it to be inspected before providing comprehensive insurance. The inspection may be deferred for ten calendar days – not including legal holidays and Sundays. If your auto is not inspected within the required time, these coverages will be automatically suspended. You may also be required to buy collision and comprehensive coverage if you have a loan on the car.

Other Optional Coverages:

Automobile insurers may offer additional optional coverages that you may want. You can learn more about all of the options available to you from each company in which you are interested. This includes coverages such as:

  • Coverage for substitute transportation such as a rental car while your car is being repaired from a collision or comprehensive claim.
  • Coverage for towing and labor when your car breaks down.
  • Accident forgiveness.
  • Roadside assistance.
  • Auto loan/lease coverage, also known as Gap insurance. Gap insurance helps pay off your auto loan if your car is totaled or stolen and you owe more than the car’s depreciated value.
  • Pet coverage.

Remember, your premium will increase if you choose to purchase higher limits of coverage or optional coverages. You should consult with your agent or insurance company about the coverages and amounts that best fit your financial needs while ensuring that you have the coverage you want should an accident occur.

Additional Resources

How To Buy Auto Insurance

Once you have decided what coverage you need, the next step is to obtain information about the cost of that insurance, including the premium, the reductions that insurers offer from the standard premium, and particular provisions in an insurance company’s policy that may affect your decision to buy from that company. 

Because insurance companies are not identical, it is important to obtain information from more than one company. Insurance companies market automobile insurance in two principal ways:  through insurance agents or directly online with their sales staff. Agents may represent one or two or many insurers.  When you contact an agency about buying auto insurance, start by finding out how many and what companies they represent.  You may be able to get cost quotes from several insurers from one or two agencies.  Be sure that each cost quote is for the same coverage, and reflects any discounts for which you may be eligible.

Before making phone calls or visiting insurer websites for a quote, pull together all of the information you need to get an accurate quote. Always ask for the same coverage levels for each quote so you can make an apples-to-apples comparison.

The insurer will ask about:

  • The year, make and model of each vehicle you want insured. For the most accurate quote, use each vehicle’s VIN number.
  • The name, license number and date first licensed of each licensed driver in your household, or a person who will customarily drive the car.
  • Any special after-market equipment that has been installed in your car.
  • Safety systems in your car such as anti-theft devices, seat belts and airbags.
  • Your driving history and your vehicle usage such as the number of miles you drive each year.
  • If you are changing insurers, you will be asked about any gaps in coverage.

You want to ask the insurer for:

  • An estimate of the cost of each coverages that you want and the limits of that coverage. 
  • Think about other insurance you might want to bundle with your auto insurance. Many companies offer discounts to customers who also buy a home or renter’s insurance policy.
  • Ask for all of the discounts that might be available to you. Some discounts are required by law, such as discounts for passive restraint systems or other safety features, and discounts for drivers who are 65 years or older. Other discounts are optional including common ones such as low annual mileage, multi-car policies, and if you have a driver who is a good student.
  • The policy’s term length – if one quote is much less than the others, it might be based on a 6-month policy.

It may take a few hours to assemble a significant number of quotes, but a small investment of time could save you many dollars in the long run. Once you have a collection of quotes, you can compare prices as well as other important factors such as claims handling reputation, the location of the agent or direct writer or the financial health of the company.

Sometimes you see or hear advertising that a switch from one automobile insurance company to another can save you money. Massachusetts law prohibits insurance advertisements from including untrue, false or deceptive claims. Since premium calculation is complicated and varies from company to company, no insurer can legitimately claim that every driver will save money by switching to them. Many advertisements say that “customers who switch save an average of…” This is not the same as saying that the average customer saves a certain amount by switching to that company.

Insurers are not identical, and changing companies might reduce the cost of your insurance, but no reliable comparison is possible without a careful review of the products to ensure that they provide identical coverage, offer discounts of equal value, and include policy benefits that are of value to you.

Companies that write insurance in Massachusetts:

Company Groups – MA PPA

ACE
Allstate
Ameriprise
Amica
Arbella
AIG Property Casualty Company
Cincinnati
Electric
Esurance
Farm Family
GEICO
Green Mountain
Hanover
Harleysville
Hartford
Liberty
MapFre
Metropolitan
Midvale
National General (Integon)
National Grange
Norfolk & Dedham
Permanent General
Plymouth Rock
Praetorian
Preferred Mutual
Progressive Direct
Progressive Casualty
PURE Insurance
Quincy Mutual
Safeco
Safety
State Farm
Travelers
USAA
Vermont Mutual

 

 

 

 

 

Accidents, Auto Repairs, Insurance Companies and Betterment …

Insurance companies and betterment

Accidents, Auto Repairs, Insurance Companies and Betterment …

It sounds like the name of a bad, Hollywood Romcom. In the case of an auto insurance claim, it’s worse. It’s neither romantic nor comedic.

Over the years we’ve seen claim situations where the claims department depreciates what they’ll pay for parts. This typically occurs with older vehicles and can leave the consumer holding the repair bag.

This is part of the insurance contract that does not allow “betterment.”

As explained by one claims department:

Betterment applies on items that have a finite life span, or to areas of a vehicle that have prior damage that overlaps new damage.

In this case, the policyholder has a 15 year old vehicle that needs new mechanical parts.  These parts wear over time and are not expected to last the lifetime of the vehicle.

The policy owes for the actual cash value of the parts lost or damaged. The betterment accounts for the difference in value as the vehicle is getting new parts.

In effect, it is depreciation. The policy cannot leave the  policyholder in a better position after the loss than he was in before the loss. The betterment makes the depreciation adjustment so that the claim keeps him on equal footing and allows for the actual cash value of the parts being replaced.

In a few extreme cases, when depreciation has seemed excessively penal, when it comes to insurance companies and betterment, our Agency has been able to talk to the claims handler and negotiate a more reasonable settlement.

 

Gas Saving Tips

Gas Saving Tips:

10 Tips to Get the Most out of a Tank of Gas

Rising gas prices highlight the need to squeeze every mile out of a gallon of gas

Consumer Reports

1. Stay at half. Keep at least a half-tank of fuel during cold winter months, and when there is a risk of shortages, say, due to a lack of gasoline delivery drivers to meet travel demands, or when a major storm or hurricane is imminent. This tip also goes for holiday road trips, when roads can be congested and slow moving. Having plenty of gas onboard can ease stress and give you more flexibility with when and where you fill up.

2. Check online. Apps and websites such as GasBuddy can show local gas prices, making it easy to find good prices in your area or if you need to travel. Generally, gas stations well off major highways and away from city centers tend to have better prices, as do warehouse stores and some major travel centers.

3. Minimize travel. If you can delay errands or other activities, you will preserve the gas that you purchased and reduce overall consumption for the region, helping in some small way to reduce the gas scarcity.

4. Obey speed limits. When you drive, follow the speed limits and drive smoothly. Your driving habits can play a significant role in fuel economy.

A recent CR test shows this: We measured gas mileage while driving at a steady 55, 65, and 75 mph in a Nissan Altima and Toyota RAV4. We found that reducing speed from 65 mph to 55 mph improved fuel economy by 6 mpg in the Altima and 8 mpg in the RAV4. The penalty of cruising at 75 mph, rather than 65 mph, was almost 7 mpg in the Altima and 6 mpg in the RAV4. Higher speeds exact a toll in fuel consumption. Another way to look at it: Speeding up from 55 to 75 mph is like moving from a compact car to a large SUV. Beyond fuel concerns, speeding is, of course, a safety risk.

5. Drive evenly. Avoid hard acceleration and braking whenever possible. In our tests, frequent bursts of acceleration and braking reduced an older Toyota Camry’s mileage by 2 to 3 mpg. Once up to speed, maintain a steady pace. The harder you accelerate, the more fuel you use. Unnecessary braking wastes the fuel you used to get up to speed. Drive smoothly and anticipate the movement of traffic. Smooth acceleration, cornering, and braking also extend the life of the engine, transmission, brakes, and tires.

6. Pay attention to aerodynamics. Remove roof racks when they are not being used. At highway speeds, more than 50 percent of engine power goes to overcoming aerodynamic drag. Don’t add to that by carrying unneeded things on the roof. We did fuel-economy tests at highway speed on a Nissan Altima and Toyota RAV4 with a roof rack, a tail-hitch rack, and a rooftop box. Carrying two mountain bikes on the roof had the biggest impact. The Altima lost 13 mpg, going from 46 mpg to 33 mpg. The RAV4 lost 7 mpg, dropping to 32 mpg from 39 mpg.

There’s even a loss when driving with an empty roof rack: The Altima dropped 5 mpg, and the Toyota lost 2 mpg. The Nissan lost 12 mpg with the bikes on the hitch-mounted rack, while the RAV4 was down only 5 mpg. The bikes stuck out beyond the sides of the sedan, which created extra drag. They were mostly hidden behind the wider, boxier RAV4’s bodywork.

The rooftop box resulted in a 9 mpg decrease for the Altima and a 5 mpg drop for the RAV4.

Overall, the aerodynamic drag doesn’t hurt the more boxy RAV4 as much as the sleeker Altima.

7. Buy good-quality gas. We typically recommend using Top Tier gas—that is, gas that is held to a higher standard through the voluntary participation of numerous gas station brands, including Chevron, Costco, Exxon, Mobil, and Shell. Beware that many familiar brands do not have Top Tier gas. The goal is to feed your car good-quality gas whenever possible, but it is fair to be flexible during a shortage or when traveling. The detergents in Top Tier gas can eventually clean any engine deposits that may accumulate when good-quality gas is more readily available.

8. Skip the premium. Save money and skip premium gas unless it is “required.” This is indicated on the fuel filler door. Many cars list “recommended,” which means it is optional. If there is only midgrade or premium fuel available, this will work fine in a car that is rated for regular gasoline.

9. Check tire pressure. Check your tire pressure. Tires lose about 1 psi a month. Having tires with lower pressure than what is recommended on your doorjamb sticker can affect performance, tire longevity, and fuel economy.

10. Skip the AC. Using air conditioning does consume gas. In mild weather, if you can get by without it, even if you open the windows, it will give incremental savings. But once it gets hot, having AC on to cool the cabin and lower humidity is a wise investment in your comfort and ability to stay alert while driving.

Camper plates or trailer plates?

Camper plates or trailer plates

It’s a question almost as old as some of the Registry workers themselves: Camper plates or trailer plates on my Massachusetts camper trailer?

Camper plates must have permanent living facilities (sink and toilet).

Camper plates may also be issued to vehicles which meet the definition of House Trailer (a house trailer that has no motor power and is equipped for human habitation – includes bathroom and sink facilities). These vehicles are not to be used to transport property other than that property used for human habitation or camping purposes. A four wheel tow dolly, when used in conjunction with a tractor/trailer combination, must be registered as a semi-trailer. Trailer weight is always rounded up to the nearest thousand pounds.

Auto Home (CAMPER):

A. Definition: Auto home, any motor vehicle originally designed or permanently altered and equipped for human habitation which is not used to transport property other than that property used for human habitation or camping purposes. A motor vehicle designed primarily to transport property which has been temporarily altered or equipped for human habitation shall not be deemed to be an auto home. (MGL ch. 90 s. 1)

B. Plate Types: There are three types of auto home plates:

Auto Home Normal (Plate Type: AHN) – Auto Home Normal plates consist of three to five numbers

Auto Home Reserved (Plate Type: AHR) – Auto Home Reserved plates consist of one or two numbers.

Auto Home Vanity (Plate Type: AHV) – ALAR maintains the plate number preceded by the code “CA.”

C. Plates Issued: Auto Home Normal, Reserved and Vanity – Two plates are issued. For Trailers, the Clerk will discard the second plate.

D. Plate Fees: An Auto Home Normal (AHN) plate is charged a $50 yearly fee. An Auto Home Reserved (AHR) plate is charged $70 ($50 annual fee plus a $20 special plate fee). An Auto Home Vanity (AHV) plate is charged $100 ($50 annual fee plus a $50 special plate fee).

If the customer registers the vehicle after October 1, the registration fee will be half the initial registration fee. The special plate fee will remain the same.

E. Expiration Date: Auto Home plates expire annually on November 30.

Trailer:

A. Definition:  Trailer plates are issued to any vehicle or object on wheels and having no motive power of its own, but which is drawn by or used in combination with, a motor vehicle. It shall not include a pole dolly or pole dickey, so called, nor a pair of wheel commonly used as an implement for other purposes than transportation, or a portable, collapsible or separate two wheel tow dolly limited only to the purpose of transporting or towing a registered vehicle, nor farm machinery or implements when used in connection with the operation of a farm or estate, nor any vehicle when towed behind a farm tractor and used in connection with the operation of a farm or estate.

Camper plates may also be issued to vehicle which meet the definition of House Trailer (a house trailer has no motor power and is equipped for human habitation — includes bathroom and sink facilities.) These vehicles are not to be used to transport property other than that property used for human habitation or camping purposes. A four wheel tow dolly, when used in conjunction with a tractor/trailer combination, must be registered as a semi-trailer. Trailer weight is always rounded up to the nearest thousand pounds.

B. Plate Types: There are two types of trailer plates.

Trailer Normal (Plate Type: TRN) – Trailer Normal plates consist of four to six numbers.

Trailer Reserved (Plate Type: TRR) – Trailer Reserved plates consist of three number or less or a combination of letter and numbers (first two digits may be letters TL, TT, TR).

C. Plates Issued: Trailer Normal and Reserved – One plate is issued.

D. Plate Fees: A Trailer Normal plate fee is based on the weight of the trailer at the rate of $20 per 1,000 pounds. A Trailer Reserved plate is charged the same registration fee as the Trailer Normal plus a $20 special plate fee.

E. Expiration Date: Trailer plates expire annually on November 30. All trailer registration fees are reduced by 1/2 on or after September 1. NOTE: if the total gross weight of a trailer, which is the combined weight of the trailer and its cargo, is 3,000 lbs or less, a MA title is not required.

Homemade Trailers

Builders of homemade trailers with a gross weight of more than 3,000 lbs. must apply for a MA Assigned Vehicle Identification Number.

The gross weight of a new or used trailer is determined by the manufacturer and will be listed on the trailer’s certificate of Origin and on the trailer itself. The gross weight of a homemade trailer is determined by the builder of the trailer.

NOTE: Log Splitter of Wood chipper

A trailer registration plate may be issued fi the log splitter of wood chipper and trailer are permanent components of one another (i.e.- non-detachable). However, a trailer registration may not be issued to a log splitter or wood chipper by itself (i.e.- the unit is not permanently attached to a trailer). If the log splitter or wood chipper is detachable, the trailer carrying the log splitter must be insured and registered.

Massachusetts Auto Insurance Discounts

Massachusetts Auto Insurance Discounts

The search is on for Massachusetts Auto Insurance Discounts. There are so many different insurance companies that offer different discount programs. The trick is to find which company best suits your needs and your wallet.

For example: Are you a student? Certain companies offer larger good student discounts than other companies. Are you married? Companies offer different multi-car discounts. Do you own a home, condominium or do you rent?

We’re here to you find the right Massachusetts Auto Insurance Discounts for you:

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

Companies offer big discounts if they have both your home and auto insurance. Discounts available are anywhere from 10% – 25% on the auto & 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. MassAutoQuote is powered and operated by Johnson & Rohan Insurance. Call, click or stop by and we’ll show you what great rates and service feels like.

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.

Some available discounts:

  • 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!

Massachusetts consumers have long been neglected compared to insurance programs that have been available to out of state auto insurance policy holders.

Some Massachusetts Discount programs include:

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

Discount Double Check Annual Insurance Review

annual discount double check insurance review

You’ve come to the right place. MassAutoQuote offers our free, Massachusetts Discount Double Check Annual Insurance Review. Like a good spring cleaning, visit, phone, or exchange e-mails with us to review your insurance coverage!

It is important to understand your insurance coverage.

We are here to help.

Some questions to ask us:
  • Do we carry adequate liability limits? Limits should equal, at least, your net worth.
  • Should we carry Umbrella coverage? (Yes.)
  • What is the value of our vehicle? If the value is low, should we still carry collision coverage?
  • Are all new drivers included?
  • Do other companies offer lower premiums?
  • If our car loan is paid off, should we remove the lienholder on our policy?
  • Are we getting all available discounts?
  • Should you have Special Items, such as jewelry, antiques, silverware, or collectibles scheduled onto your policy?
  • Do we have enough life insurance?
  • Would you like us to quote your business insurance? Johnson & Rohan Insurance has great commercial markets.

Call us for your annual, insurance review, explanation of coverage, and discount double-check.

Massachusetts Insurance Accident Surcharge Appeal

Massachusetts Accident Surcharge Appeal

Massachusetts 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?

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.