Massachusetts First Time Drivers

steps to get license graphic

Parents/Guardians: is your child looking to get their learner’s permit? Check out the Massachusetts RMV’s dedicated page for first time drivers:

Get information regarding:

  • Steps to Get Your Driver’s License
  • Parent/Guardian Information
  • Safe Driving Tips
  • Did you study for your learner’s permit or road test?
  • Time to take your Permit!
  • You Just Took Your Permit Exam

Junior Operator Requirements

Any driver 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. For more information on permit and license restrictions for junior operators, click here.

The Junior Operator Law and the Safe Driver Law impose penalties for certain violations issued to junior operators. For a complete list of Junior Operator violations, click here.

Collision Coverage – If Hit by a Stolen Vehicle

About Our Agency - Amazônia Insurance Agency


I read an interesting article in the recent MassAgent newsletter from the Massachusetts Association of Insurance Agents:

Question of the Week

Collision Coverage – If Hit by a Stolen Vehicle

Question: We had a prospect come into our office to insure his car. He said recently his car was hit while parked by a car that was stolen and involved in a police chase. He has collision, but when he made his claim through GEICO (former carrier), he was told it was not covered as it was a stolen car and a police chase. Now, I know that GEICO would probably have no one to subrogate against, but I believe as long as he paid a premium to have collision coverage, it should be covered less the deductible. I’ve been an agent for many years, but am I missing a caveat that denies coverage in this circumstance? If so, it’s a new one. Thanks.


Kathy Cormier: If your customer has first-party coverage (collision), they should be able to collect from their policy. I looked at GEICO’s policy, and they have a modified version of the MAP 2008: There was nothing that I saw saying they couldn’t collect under collision if damaged by a stolen vehicle. I’m including Irene Morrill, VP of Technical Affairs.

Irene Morrill: And that’s why people shouldn’t be insured with GEICO…they have no one to fight for them. I didn’t see any exclusion for “hit by a stolen vehicle” in the GEICO policy.

The person whose car was stolen is not legally responsible for the actions of the stolen vehicle – if the thief was caught…then the thief would be legally responsible for the damages, but if one buys Part 7 -it doesn’t matter.

I’d tell the client to make an insurance complaint…and say to the company that they are doing so…with the MA DOI – perhaps that will make the company decide to pay.

Filing an Insurance Complaint in Massachusetts

*This document is not a legal opinion and should not be relied upon as such. This document intends to provide a general background regarding the topic or topics discussed, not to provide legal advice. Producers and agencies should consult an attorney regarding specific situations and questions concerning the topic or topics covered in this document. Neither the Massachusetts Association of Insurance Agents, Number One Insurance Agency, nor any of its employees shall be responsible for any errors or omissions regarding any statements made in this document, nor any errors or omissions regarding any statutes, regulations, court rules, and/or any other government documents cited in this document.



Below is Massachusetts RMV contact information for RMV issues that may help you if you need immediate assistance:

if you have RMV questions or have technical issues.

  • for a manual and other information click on:  If the user clicks on Training and Support, they will get to the “IPM eServices Reference Guide for Insurance Industry Users”
  • Have a Payment Link Resent/Issue:
  • Email Include:
  • Drop Off Date:
    • RMV Drop Off Location:
    • Name of Runner Service (if applicable):
    • Name of your agency/business:
  • VIN #(s):
  • Email address for payment:


  • Special Plate Department – 857-368-8031

for issues with duplicate/replacement plates

to find out about a tin plate not received in mail

to order special plates.

  • Section 5 Department – 857-368-8030
  1. Dealer, Repair, Owner Contractor, Transporter or Farm Plates
  2. Question regarding these plate types
  3. Questions on Renewals
  1. Contact the IRP department with Apportioned plate Questions
  2. Contact regarding Apportioned Renewals
  • Out of State Citations Department – 857-368-8200
  1. Customers can now clear online OOS Reciprocal Suspensions

This form can be used by NON-EVR Agents for correction.

  • Consumers that use the Drop Off Center that have not received a payment link or call to pick up work can send an email here:

They need to include:

Their Name

Branch Location

Date of Drop Off

Transaction Type

Email Address

If you are locked out you can call security to be reset

If you have a customer that wants to file a complaint for privacy violations, they can call security.

  • Title Department – 857-368-8050

If you have a customer that is showing a title has not been mailed, is under review or exam, you can contact titles to see if the title can be sent.  Make sure that the mailing address is correct in the customer ATLAS account.

  • MAIA Registry Procedures Manual

You may also want to consider using the RPM that is key word searchable for your RMV questions.  Here is a link to the MAIA RPM:

  • Registration and Title Application Instruction Guide

Here is a guide on what sections of the RTA to complete for the transaction being processed:

  • Massachusetts Department of Revenue 800-392-6089

If you need information on sales tax values

If you need to determine the amounts of Penalties and Interest on motor vehicle sales tax.

For any questions:  .

Moving to Massachusetts

Moving to Massachusetts
Moving to Massachusetts? Welcome!

A few “fun facts” about Massachusetts:

  • Nickname:  The Bay State
  • State Bird: Black-Capped Chickadee
  • State Tree: American Elm

A couple “not so” fun facts:

  • Massachusetts has the highest accident rate in the nation.
  • Massachusetts has the 4th highest auto insurance rates in the nation.
Massachusetts Auto Insurance

MassAutoQuote can help you find competitive auto insurance and assist you with the Massachusetts Registry of Motor Vehicles.

It’s important to have an independent agent shopping rates and coverage with numerous companies in order to find the best rates.

By design,  insurance companies have complicated, multi-tiered rating systems. In order to get the best rates, your professional, licensed broker knows which factors to apply for each company.

The dreaded: Registry of Motor Vehicles

Auto insurance and Registration (& Title) go “hand in hand” in Massachusetts. You cannot have one without the other. Massachusetts does not have insurance cards as proof of insurance. Instead you have your vehicle’s Registration. Your Registration is your proof of insurance.

Massachusetts is a “Title state”, meaning that, in order to get your vehicle registered you must also get the vehicle titled in Massachusetts.

In order to get your new, Massachusetts Plates you will need to get paperwork from your insurance agent or company.

We  will have you sign an auto insurance application, and provide you with an insurance stamped, RTA Form.

Our Registry of Motor Vehicles service is complimentary (free) for our clients.

If you are new to the state with out of state registration, the Registry will look for your original title and a total of $86 ($50 for your new MA title & $36 for your new, MA plates/registration).

If a bank/lienholder has the title to your vehicle then, perhaps, a memorandum title can be issued. If so, the Registry will require a copy of your existing Registration and, if owned less than 6 months, proof of sales tax paid.

We recommend that you get a Massachusetts auto insurance quote through our website. Once you like the premium and coverage options that we show you, we will assist you with all aspects of Massachusetts insurance!

Massachusetts Excise Tax Information


In an attempt to de-mystify the annual, pesky excise tax we offer the following excise tax information:

Excise bills are prepared by the RMV according to information on the registration. They are sent to city/town assessors who commit them to local tax collectors for distribution.

The excise tax rate is $25 per $1,000 of valuation (NADA) subject to the following percentage formula:

In the model year: 90%; second year: 60%; third year: 40%; fourth year: 25%; fifth year & beyond: 10%.

If you have turned in your plates on the vehicle you are getting excise taxed on, or if you have transferred plates and got rid of the vehicle, you may be eligible for abatement . Abatement instructions are located on your excise tax bill.

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 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.

We Are Massachusetts Auto Insurance


Our site, 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

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

AIG Property Casualty Company
Farm Family
Green Mountain
National General (Integon)
National Grange
Norfolk & Dedham
Permanent General
Plymouth Rock
Preferred Mutual
Progressive Direct
Progressive Casualty
PURE Insurance
Quincy Mutual
State Farm
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.