MA Commercial Vehicle Compliance Specialists

The Federal Motor Carrier Safety Act (FMCSA) requires that any vehicle over 10,000 ppounds GVWR involved in interstate commerce is a “commercial vehicle.”

Some of the provisions of the FMCSA require DOT numbers, signage, a comercial driver’s license (CDL), medical cards, random alcohol and substance testing, etc. depending on vehicle size, wieght and usage.

As a business in Massachusetts with commercial autos, you may want to consult a specialist on compliance:

Fleet Safety Services, Inc.

12 Howard Street, Worcester MA 01609

800-215-2490

The Transportation Advisor, Inc

PO Box 558, Palmer, MA 01069

800-608-8890

Shopping for Massachusetts Auto Insurance

If you are a MA consumer and you’ve found our website looking for the best auto insurance rates, then you probably already know how complicated it can be.

Rates are important.

Service is important too.

In order to get the best rates and the best service, we recommend you utilize an independent Massachusetts insurance agent.

As an independent MA agency, we rate MA auto insurance with seven companies.

Top 10 Reasons to use an Independent MA Insurance Agent:

10.  Unlike other agents, your Independent Insurance agent is not beholden to any one company; thus, you don’t need to change agencies as your insurance and service needs change.

9.  Assists you when you have a claim.

8.  Is your consultant, working with you as you determine your needs.

7.  Offers you a choice of Massachusetts insurance plans and programs.

6.  Is a value hunter who looks after your pocketbook in finding the best combination of price, coverage and service.

5.  Offers one-stop shopping for a full range of products – Massachusetts home insurance, renters, Massachusetts car insurance, business, life and health.

4.  Can periodically help you review your coverage to keep up with your changing insurance needs.

3.  Treats you like a person, not just another number.

2.  Works for you as advocate at claim time, or if you have a billing question.

1 … Will assist you with the Registry of Motor Vehicles!

MA Auto Insurance: What to do if in an accident

 

What to do in case of a Massachusetts Auto Accident: 

  1. 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.
  2. If there is significant damage to any of the vehicles or any potential injuries call 9-1-1 immediately.
  3. Get the names of the owners and drivers involved. Get license numbers, telephone numbers, and registration numbers.
  4. Get the names, addresses, and telephone numbers of witnesses.
  5. 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.
  6. For prompt claims help contact your Independent Massachusetts Agent! 

Accident Forgiveness & Disappearing Deductible

 

Two of the new, widely asked-about products offered by some auto insurance companies in Massachusetts are:

Accident Forgiveness – For a fee, some auto insurance companies in MA will include an “Accident Forgiveness” endorsement. So, if you get in a future at-fault auto accident, your auto insurance company will not apply a surcharge to your policy renewal.

Disappearing Deductible – For a fee, some MA auto insurance companies offer a “Disappearing Deductible” program. This endorsement usually credits your Collision deductible – $100 for each year you go at-fault accident free; up to a maximum -$500 credit.

Both auto insurance endorsements can save MA drivers money if in a future, at-fault accident.

Ask your Massachusetts Independent Insurance Agent about these programs.

Top 3 Tips: Save Money on MA Auto Insurance

Top 3 Tips: Save Money on MA Auto Insurance

# 1 Tip for saving money on MA auto insurance: Drive Safely!

#2 Tip for saving money on MA auto insurance: Package your auto insurance with your home or apartment policy!

#3 Tip: Shop Around!

Different companies have different rates for different risks.

Your best choice for “shopping around” for auto insurance is by using your local, independent Massachusetts insurance agent.

Massautoquote.com utilizes the rating power of the independent agent.

Call or click us  to submit an online MA auto insurance quote request form.

MA Auto Insurance – Teenage Driving

 

The Insurance Institute for Highway Safety offers the following tips for Parents of Teenage Drivers:

Don’t rely solely on driver education. High school driver education may be the most convenient way to learn skills, but it doesn’t produce safer drivers. Poor skills aren’t always to blame. Teenagers’ attitudes and decision-making matter more. Young people tend to rebel, and some teens seek thrills like speeding. Training and education don’t change these tendencies. Peers are influential, but parents have much more influence than typically is credited to them.

Know the law.Become familear with restrictions on your drivers. Then enforce the restrictions. (To learn more about MA Junior Operator License restrictions go to: http://massautoquote.com/blogdata/?page_id=446)

Restrict night driving.Most young drivers’ nighttime fatal crashes between 9 p.m. and midnight, so teenagers shouldn’t be driving much later than 9. The problem isn’t just that such driving requires more skill behind the wehel. Late outings tend to be recreational, and even teens who usually follow the rules can be easily distracted or encouraged to take risks.

Restrict Passengers. Teenage passengers riding in a vehicle with a beginning driver can distract the driver and/or lead to greater risk-taking. About 6 of every 10 deaths of teenage passengers occur in crashes with teen drivers. While driving at night with passengers is particularly lethal, many of the fatal crashes involving teen passengers occur during the day. The best policy is to restrict teenage passengers, especially multiple teens, all the time.

Supervise practice driving.Take an active role in helping your teenager learn to drive. Plan a series of practice sessions that include a wide variety of situations, including night driving. Give beginners time to work up to challenges like driving in heavy traffic or on the freeway. Continue to supervise practice drivign by your teenager after graduation from a learner’s permit to a restriceted or full license.

Remember that you’re a role model.New drivers learn a lot by example, so practice safe drving yourself. Teenagers who have crashes and violations often have parents with poor driving records.

Require safety belt use. Don’t assume that belt use when you’re int he car with you 16 year-old means a safety belt will be used when your child is driving alone or out with peers. Insist on using safety belts all the time.

Prohibit driving after drinking alcohol. Make it clear to your child that it’s illegal and highly dangerous for a teenager to drive after drinking alcohol or using any other drug. While alcohol isn’t a factor in most of the fatal crashes that involve 16 year-old-drivers, even small amounts of alcohol are impairing for teenagers.

Choose vehicles with safety, not image, in mind. Teens should drive vehicles that reduce their chances of crashing in the first place and then offer protection from injury in case they do crash. For example, small cars don’t offer the best occupant protection in case of a collision. Avoid vehicles with performance images that might encourage a teenager to speed. The best vehicle choice for your teenager, and for everyone else in your family, is one that’s equipped with the latest safety technology including side airbags that protect people’s heads and electronic stability control. 

Beware: Rear-end Collisions use the “three-second rule”

The American Driver and Traffic Safety Education Association suggests using the “three-second rule” 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:

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.

MA Auto Insurance Quotes

 

If you’re looking for Massachusetts auto insurance, you’ve come to the right place.

Massautoquote.com utilizes the power of the Massachusetts Independent Insurance Agent.

Your MA Independent Insurance Agent:

  • Licensed professional with strong customer and community ties.
  • Gives you excellent service and competitive prices because your agent can access the insurance coverage from more than one company.
  • Unlike other agents, your Independent Insurance agent is not beholden to any one company; thus, you don’t need to change agencies as your insurance and service needs change.
  • Assists you when you have a claim.
  • Is your consultant, working with you as you determine your needs.
  • Offers you a choice of Massachusetts insurance plans and programs.
  • Is a value hunter who looks after your pocketbook in finding the best combination of price, coverage and service.
  • Offers one-stop shopping for a full range of products – Massachusetts home insurance, renters, Massachusetts car insurance, business, life and health.
  • Can periodically help you review your coverage to keep up with your changing insurance needs.
  • Treats you like a person, not just another number.
  • Works for you as advocate at claim time, or if you have a billing question.
  • Will assist you with the Registry of Motor Vehicles and offer home, business & life insurance through numerous companies.
  • Customer satisfaction is the key to a Massachusetts independent agent’s livelihood. So, serving you is the #1 concern.

Did We Mention MA Auto Insurance Discounts?

Some of the available discount programs include:

  • Good drivers
  • Good students
  • Driver training
  • Mileage
  • Multi-vehicle
  • Multi-policy
  • Age 65+
  • Air-bag/Passive restraint
  • T-pass (public transportation)
  • Hybrid vehicle
  • Roadside assistance (AAA)
  • Alumni & Professional Organizations
  • Anti-theft
  • Paid in full
  • E-customer
  • Advanced driver training
  • Years at residence

For your free MA auto insurance quote, please fill out our quote request form or call us at: 781-246-8699.

Massautoquote.com will provide you the best MA auto insurance rates, with the best companies, the best coverage, and the best service.

Massachusetts Junior Operator Law License Restrictions

Any motor vehicle operator or motorcyclist between the ages of 16 1/2 and 18 is considered a Junior Operator. The Junior Operator Law has several requirements and restrictions that significantly affect the operation of a motor vehicle by a person who has a Junior Operator’s License (JOL). The basic purpose of the law is to provide new drivers supervised opportunities in which to develop good driving skills, while keeping those drivers free of the possible distractions caused by friends under age 18 who are present while the drivers are behind the wheel.

Following, from the MA Registry of Motor Vehicles Driver’s Manual, we offer Massachusetts Junior Operator License Restrictions:

  • You may not operate a motor vehicle within the first six months after receiving your JOL while any person under age 18 is in the vehicle (other than you or an immediate family member), unless you are accompanied by a person who is at least 21 years old, has at least one year of driving experience, holds a valid driver’s license form Massachusetts or another state and is occupying a seat beside you.

General Rule: The passenger restriction that applies to the Junior Operator (Under age 18) is lifted once the Junior Operator completes the six-month period or you reach age 18, whichever occurs first.

The six-month passenger restriction period will stop running, temporarily, during any suspension. When your JOL is reinstated, you will still have to complete the remainder of the six-month restriction period that existed at the beginning of the suspension period, unless you have already turned 18.

  • As the holder of a Junior Operator License (JOL), you may not operate a motor vehicle between 12:30 a.m and 5:00 a.m. unless you are accompanied by one of your parents or your legal guardian. If you are found operating a motor vehicle in violation of this restriction, you may be charged with operating a motor vehicle without being licensed. This is a criminal violation.
  • If you violate the passenger restriction or the night restriction, you will be subject to a license suspension of 60 days for a first offense, 180 days for a second offense, and one year for subsequent offenses. For a second or subsequent offense, you will also be required to complete a Driver Attitudinal Retraining course. The law requires the Registrar to impose this suspension in addition to any other penalty, fine, suspension, revocation, or requirement that may be imposed in connection with a violation committed at the time you were violating the passenger or night restriction.
  • You may not operate a motor vehicle that requires a commercial driver’s license (CDL).
  • You will be suspended for one year if you are under 18 when you have committed certain driving offenses and alcohol or drugs were involved (180 days if age 18 to 21), in addition to any penalty assessed by a court or other law.
  • You will be ineligible for a full license until you have completed the period of suspension imposed while operating with a JOL and you reach age 18.
  • You will face additional suspension periods of one year for a first drag racing offense and three years for a subsequent offense, you will be suspended for one year.

Planning a trip to Canada?

If you are a Massachusetts resident planning a trip to Canada don’t forget to ask you Independent Insurance Agent for a Canada Non-Resident Liability Insurance Card. Canada requires that U.S. vehicles provide evidence of liability coverage when travelling the provinces.

There is no cost for a Canada Liability Card.