Massachusetts Lemon Aid Law

Massachusetts Lemon Law

Massachusetts Lemon Aid Law

The Massachusetts Lemon Aid Law allows you to void or cancel a motor vehicle contract or sale if your vehicle fails to pass inspection within seven days from the date of sale AND if the estimated costs of repairs of emissions or safety related defects exceed 10% of the purchase price. ( M.G.L. c. 90 §7N) This law applies to both dealer and private party sales of cars and motorcycles purchased for personal or family use. Dealers must display your Lemon Aid rights by putting a sticker on the left front window of each used car at the time of delivery.

Vehicle Inspection And Registration Requirements

By law, sellers of used vehicles must remove inspection stickers prior to transferring the vehicle to the new owner. Motor vehicle inspection stickers are not transferable to a new owner. When you buy a used car, you must bring the car to a licensed Massachusetts Inspection Station within seven days of registering it. In order to be protected by the Lemon Aid Law, however, you will need to have it inspected within seven days of purchase. For your own protection, do not allow the dealer to do the inspection for you.

If Your Car Will Not Run

Cars that do not run automatically fail inspection. To be eligible for a refund under the Lemon Aid Law, you must demonstrate that the estimated cost of repairs for safety or emissions related defects (and not the problem that is keeping the car from being inspected) is more than 10% of purchase price. Proving this may be difficult because it requires that a mechanic locate the problems and estimate the cost of repairs for these defects.

How To Receive Your Refund

In order to obtain a refund, the vehicle must be inspected and rejected by a licensed Massachusetts Inspection Station within 7 days of purchasing it. The rejection cannot be caused by your negligence, abuse or an accident occurring after the date of sale. In addition, you must complete all of the following steps within 14 days from the date of sale:

  1. Get a written statement, signed by an authorized agent of the inspection station, stating the reasons why the vehicle failed to pass the safety or combined safety and emissions inspection test.
  2. Obtain a written estimate of the costs of the necessary emissions or safety repairs showing that those costs exceed 10% of the purchase price.
  3. Notify the seller of your intention to void the contract under this statute ( M.G.L. c. 90, §7N). Do this by certified mail, return receipt requested, and by regular mail. Enclose a copy of the documents listed in Steps 1 and 2. Be sure to save copies for your files.
  4. Deliver the car to the seller, even if delivery requires towing services. It is advisable to take a witness with you and copies of the documents listed in Steps 1, 2, and 3. If the seller refuses to accept the car, prepare a statement indicating that you and a witness delivered the car to the seller on that date, but that the seller refused to accept the car. Be sure the statement is signed by both you and your witness in the presence of a notary public.

If you comply with these provisions, you are entitled to a full refund of the purchase price. You and the seller may agree in writing to have the seller do the necessary emissions or safety-related repairs at the seller’s expense. You may, however, refuse the seller’s offer and accept a full refund.

If You Paid For a Title

Contact the Registry of Motor Vehicles Title Division at (617) 351-9550. Explain that you are returning the vehicle to the seller under the Lemon Aid Law, and that you are requesting that a certificate of title be issued to you as soon as possible. When you receive the title, you should assign and transfer it back to the seller. If the seller refuses to accept the title, then send it by certified mail and retain a copy for your records.

If You Paid Sales Tax and Registration Fees

Take the following steps immediately to ensure you receive a rebate:

Sales Tax: Fill out an abatement form available from the Massachusetts Department of Revenue Taxpayer Service Division, P.O. Box 7010, Boston, MA 02204, (617) 887-6367.

Registration Fee: If you return your license plates within 10 days from the date you registered your car, you will receive a refund less a charge of $5. If you return your plates after this 10-day period, but within a “reasonable time,” you will receive a partial rebate.

Asserting Your Rights

If you followed all of the above steps and the seller does not refund your money, you should explore the following options:

Mediation:
Mediation is an inexpensive and informal way to resolve your dispute without hiring an attorney and going to court. Contact the Attorney General’s Office for mediation services.

Court Action:
You may also pursue your claim through the court system. For claims under $7,000, small claims court may be the least costly alternative. Consumer Affairs publishes a Consumer’s Guide to Small Claims Court available upon request. Larger claims may be more suitable to District or Superior Court. You should seek legal advice for all claims.

Other Rights and Remedies

If you do not qualify for a refund under the Lemon Aid Law, other laws and regulations may protect you. Unless otherwise noted, these laws do not apply to private party sales.

Implied Warranty of Merchantability:
In addition to any express written warranties given by the dealer, you are also protected by an Implied Warranty of Merchantability. This implied warranty is automatic with every car sold by a dealer. The dealer warranties that the car is safe and in running condition for at least a reasonable period of time. Consider such factors as the price paid, the car’s age, make, model and mileage to help you determine what problems the dealer should be required to fix.

You cannot waive the implied warranty of merchantability. This means that a dealer cannot sell cars “as is,” “with all faults,” or with a “50/50” warranty.

Odometer Law:
The law prohibits both dealers and private party sellers from turning back or readjusting the odometer or mileage indicator on any automobile offered for sale.

Title Requirements:
All vehicles must have a certificate of title issued by the Registry of Motor Vehicles and must be properly endorsed at the time of sale. The dealer must inform you, on request, of the name and address of the prior owner of a car.

Used Vehicle Warranty Law:
Dealers must provide a written warranty to buyers who purchase a used vehicle with fewer than 125,000 miles at a purchase price of $700 or more. The law requires dealers to repair use or safety defects for either 30, 60, or 90 days, depending on the mileage of the vehicle. It also allows consumers to obtain a refund if during the warranty period they attempted to have the vehicle repaired three times for the same defect, or if the car has been out of service for repairs for at least 11 business days, and the defects still exist.

Private Party Sales:
In addition to the Lemon Aid Law requirements, a private party who sells a consumer a used vehicle must tell the buyer about any known use or safety defects. If the buyer discovers a defect which impairs the safety or substantially impairs the use of the vehicle, and can prove the seller knew about it, then the buyer can return the vehicle within 30 days of purchase. Private parties are bound by this law, regardless of the age or selling price of the vehicle.

Sources of Help

For General Information:
Office of Consumer Affairs and Business Regulation
(617) 973-8787 or Toll Free: (888) 283-3757

Title Information:
Registry of Motor Vehicles
Title Division
(617) 351-9550

To file a complaint against a dealer:
The Office of the Attorney General
(617) 727-8400

Automobile consumers are protected by laws covering those who purchase vehicles in Massachusetts that are found to have significant defects. These free programs offer an additional level of protection for consumers who purchase cars that fail to function as required by law. If you have recently purchased a defective vehicle, follow this simple tool to determine if your vehicle is eligible for Massachusetts’ Lemon Law, Lemon Aid Law, or Used Vehicle Warranty Law.

You must be able to demonstrate that the defects must substantially imparir the use, market-value or safey of the vehilce. For exmaple, to prove marke tvalue impairment, you must show you vehicle is worth at least 10% less than is would be without hte defect.

 

If the vehicle fails inspection and you’re within seven days

If the vehicle fails inspection, it may be eligible for Lemon Aid, however you must act quickly. Please contact our Office at 888-283-3757 for more information.

Over seven days: The vehicle is not eligible for Massachusetts Lemon Aid Law, but it may be eligible for the Used Vehicle Warranty Law.

Click “Continue” to check the vehicle’s eligibility

 

New, purchased within the last 12 months with less than 15,000 miles on the vehicle?

Has your vehicle been brought back to the dealership 3 times for the same significant safety, use, or market value defect during your warranty period? OR Has your vehicle been out of service for more than 15 business days?

 

Have you written a Notice of Final Repair Attempt to the manufacturer?

A Notice of Final Repair Attempt notifies the manufacturer that they have one final attempt to repair the vehicle’s defect(s)

  1. Download Notice of Final Repair Attempt Here.
  2. Send Notice to the vehicle’s manufacturer (click here for manufacturers’ address).
  3. If the vehicle has not been repaired within 7 business days of the manufacturer’s receipt of Notice, you are entitled to a replacement or refund under Lemon Law.

Notice of Final Repair Attempt:

Your Home Address
Your Evening Telephone Number
Your Daytime Telephone Number

Date

Name of Manufacturer
Manufacturer’s Address

Dear Sir or Madam:

I believe that my car is a “lemon” under the Massachusetts Lemon Law (Massachusetts General Laws; c. 90 Sec. 7N1/2). I am hereby making a written demand for relief under the Lemon Law and the Massachusetts Consumer Protection Act (Massachusetts General Laws, c. 93A, Sec.9).

I purchased a (make, model, year of vehicle) on (date) from (name of dealership) in (city, state). The vehicle identification number or VIN number is (vehicle identification number). Since I bought the vehicle, I have had to return it to the dealership a total of (number of times the vehicle was returned to an authorized dealer for repairs) times. My vehicle has been out of service for repairs for a total of (total number of business days the vehicle has been out of service being repaired) business days. My vehicle has been in (name of dealership) for repairs on the following dates for repair of the following defects:

(Date in/out) (List problems complained of)

(etc.) (etc.)

I am having the following problems with my vehicle at this time: (list all problems the vehicle currently has).

These remaining defects substantially impair the use, market value or safety of my vehicle. I am hereby allowing you one final repair opportunity. If these repairs are not completed within seven business days of receipt of this letter, I am entitled to a replacement vehicle acceptable to me or a refund calculated in accordance with the Lemon Law.

Failure to comply with the Lemon Law is a violation of Massachusetts General Laws, c. 93A, and you may be subject to double or triple damages as well as attorney’s fees and court costs if this matter is taken to court.

I look forward to hearing from you soon.

Sincerely,

Your Name

 

A Massachusetts Consumer Guide:
The Used Vehicle Warranty Law

The Used Vehicle Warranty Law protects consumers who buy used vehicles from a dealer or private party in Massachusetts. ( M.G.L. c. 90 §7N 1/4) The law requires dealers to provide consumers with a written warranty against defects that impair the vehicle’s use or safety, and requires private parties to disclose any known use or safety defects.

The Used Vehicle Warranty Law provides you with protections and remedies, including mandatory repairs, refunds, or repurchases. It does not cover all vehicles or all defects, and not all problems will qualify your vehicle for repurchase.

If you purchased a vehicle fewer than 14 days ago, the fastest way to get relief may be through the “Lemon Aid Law.”

Vehicles Covered:

The law applies to used cars, vans, trucks and demonstration vehicles not covered by the New Car Lemon Law, and which:

  • are sold by a Massachusetts dealer or private party,
  • cost at least $700 (dealer sales only),
  • have fewer than 125,000 miles on the odometer when sold (dealer sales only).

Demonstration or executive vehicles are covered under the law under certain circumstances. You must first determine whether the vehicle meets the requirements of the New Car Lemon Law. You may use the Used Vehicle Warranty Law only if you do not qualify to be accepted for the New Car Lemon Law.

Vehicles Not Covered:

The following are not covered under the Used Vehicle Warranty Law:

  • motorcycles, mopeds, dirtbikes;
  • leased vehicles;
  • auto homes, and vehicles built primarily for off-road use;
  • any vehicle used primarily for business purposes, or purchased by, owned by or registered to a business

Private Party Sales:

The Used Vehicle Warranty Law applies differently to a vehicle purchased from a private party than it does if purchased from a dealer. Under the law, a dealer is anyone who sells four or more vehicles in a 12 month period.

The Used Vehicle Warranty Law requires private party sellers to inform buyers about any and all known defects which impair the safety or substantially impair the use of the vehicle. The law applies to all private party sales regardless of sales price or mileage. If you discover a defect that impairs the vehicle’s safety or substantially impairs the use, and can prove that the seller knew about the defect but failed to disclose it, you may cancel the sale within thirty days of purchase. The seller must refund the amount you paid for the vehicle, less 15 cents per mile of use.

Private parties are also bound by the Lemon Aid Law.

DEALER SALES

Defects Covered: Only defects that impair your vehicle’s use or safety are covered. Defects are not covered if they:

  • affect appearance only;
  • are covered by the manufacturer’s express warranty and the dealer assures that the repairs were made;
  • are caused by negligence, abuse, vandalism, or accidents unrelated to the defect;
  • are caused by repair attempts made by someone other than the dealer, its agent, or the manufacturer; or
  • are caused by substantial change made by you to the vehicle (such as installing a sunroof that was not part of the vehicle when you bought it).

Dealer Warranty: Anyone who sells four or more vehicles in a one-year period is a dealer under the Used Vehicle Warranty Law. Dealer warranties cannot be waived under any circumstances. The dealer must give you a signed, dated, correct copy of the limited used vehicle warranty at the time you purchase the vehicle. The warranty requires the dealer to repair any defect that impairs the vehicle’s use or safety.

Warranty Length: The coverage depends on the mileage of the vehicle at the time of purchase as outlined below:

Mileage Warranty Period
Less than 40,000 miles 90 days or 3,750 miles, whichever comes first
40,000 to 79,999 miles 60 days or 2,500 miles, whichever comes first
80,000 to 124,999 miles 30 days or 1,250 miles, whichever comes first
125,000 miles or over No express warranty

If the true mileage of the vehicle is unknown at the time of the sale, the warranty period is calculated according to the age of the vehicle as outlined below:

Age of Vehicle Warranty Period
3 years old or less 90 days or 3,750 miles, whichever comes first
More than 3 and less than 6 years old 60 days or 2,500 miles, whichever comes first
More than 6 years old 30 days or 1,250 miles. whichever comes first

Warranty Extension: Your warranty is extended by one day for each day the vehicle is out of service for repairs, and by one mile for each mile it is driven while repairs are being made. In addition, any repair performed on a covered defect during the warranty period carries its own 30-day warranty. This warranty begins the day the repair is completed and can continue after the original warranty on the car as a whole expires. See the Consumer Affairs Warranty Extension Reference Chart pdf format of uvref.pdf if you need more information on these tolling and extension provisions (in Adobe Acrobat format).

Dealer Fails to Provide Correct Warranty: If the dealer does not give you a warranty or gives you one that is incomplete or inaccurate, you are still entitled to warranty repairs. Your warranty, however, will not begin to expire until the dealer gives you a complete, accurate copy of the warranty.

Warranty Repairs: The defects must arise during the warranty period. You must return the vehicle to the dealer for repair no more than five business days after the expiration date of the warranty period. The dealer may charge you a one-time $100 deductible, but only if this amount is written on your copy of the warranty.

Dealer Refunds: The limited used vehicle warranty provided by the dealer gives you the right to a refund if the vehicle was either:

  • repaired 3 times for the same use or safety defect
    that continued to exist or recurred during the warranty period,

OR

  • out of service by reason of repair or invalid refusal to repair for at least 11 business days during the warranty period, not necessarily all at one time.

NOTE: Business day is defined as Monday through Friday, except for state or federal holidays. When counting the number of business days your car has been out of service, any part of a business day counts as a whole day.

Waiting for Parts: If the dealer needs to order parts during a repair attempt, the days out of service while waiting for parts do not count toward the 11 business day requirement of the law. However, your warranty will extend by one day for each day you are waiting for the parts. A maximum of 21 calendar days during the warranty period will not be counted toward the 11 business day limit if parts are ordered. All business days after the 21st day will count. For more information on warranty extensions, see our Warranty Extension Reference Chart pdf format of uvref.pdf (Adobe Acrobat format).

Dealer Refuses Repairs: The dealer may only refuse repairs if you have refused a dealer’s offer to buy back the car for the full purchase price. (See next section, Dealer Repurchase.) If the dealer has not offered to repurchase the vehicle, then the dealer must repair all use or safety defects. If the dealer refuses to accept the vehicle for repairs when you present it in person, then the vehicle will be considered “out of service” beginning that day. This and any following business days waiting for the vehicle to be repaired will count toward the 11 business days out of service requirement for a refund. The same rule applies if the dealer fails to take the vehicle within 3 business days of a telephone or written request for a repair.

Dealer Repurchase: The dealer has the right to offer to buy the car back for the full repurchase price instead of making repairs. You are responsible for helping to determine the refund amount by giving the dealer copies of your receipts and other documents for each cost to be reimbursed. The dealer must make the repurchase offer in writing. Under the law, you have at least five business days from when you receive the dealer’s offer to decide whether to accept the offer.

WARNING: If the dealer offers you a full refund under the law, and you refuse to accept it, YOU WILL NOT BE ENTITLED TO FURTHER WARRANTY REPAIRS UNDER THE WRITTEN WARRANTY PROVIDED BY THE DEALER. If you do not agree with the dealer’s calculation of the repurchase amount, you can ask the Office of Consumer Affairs and Business Regulation (OCABR) to help calculate it. If the OCABR determines that the full repurchase amount is higher than the amount offered by the dealer, the dealer may either offer you the amount determined by the OCABR or withdraw the offer to repurchase. If the dealer withdraws the offer, you will still be entitled to warranty repairs and can apply for arbitration, if you qualify.

Keeping Records: Maintain complete records from the day you buy your vehicle. Save the written warranty; request a copy of the manufacturer’s warranty, if applicable; and keep a diary of problems and repair attempts including the dates of service, the problem you reported and mileage at the time of repairs. Get a copy of the work order filled out by the dealer every time you bring the car in for service. Dealers are required by the Attorney General’s Motor Vehicle Regulations to give you a work order even if repairs are free. (940 CMR 5.00).

Returning the vehicle: If the dealer is going to buy back your vehicle, you will need to work together to meet and exchange the vehicle and its title for a refund. You must transfer the title back to the dealer.

If your title is at the Registry of Motor Vehicles, contact the Title Division at (617) 351-9550. Explain that you are returning your vehicle under the Used Vehicle Warranty Law, and request that a certificate of title be issued to you as soon as possible. If your vehicle is financed, you will need to get a lien release from the finance company. The lien release will enable the Registry to issue a title in your name. Also, you will need to work with the dealer and the finance company to arrange for the dealer to pay the finance company the portion of the loan that is still owed.

Refund Calculations: If you have met the requirements for a refund, ask the dealer to repurchase your vehicle. To calculate the amount you are entitled to receive under the law:

ADD

  • the purchase price including the amount for your trade-in;
  • finance charges;
  • registration fees;
  • the pro-rata cost of payments toward motor
    vehicle damage, collision and comprehensive
    insurance;
  • the non-refundable portion of payments made for credit life, and credit accident insurance on your vehicle loan;
  • the non-refundable portion of payments made for any extended warranties and service contracts;
  • unreimbursed costs of towing up to 30 miles;
  • up to $15 a day for alternate forms of transportation, starting on the third day the car has been out of service for repair;
  • payments made toward the $100 repair deductible; and
  • any other costs directly related to the defect.

SUBTRACT:

  • a use allowance of 15 cents per mile for every mile driven from the time of delivery to the date the refund is given; and
  • the amount of any overallowance on a trade-in vehicle.

An “overallowance” or “discount” is the difference between the trade-in amount and the actual cash value of the trade-in vehicle. For example, the dealer may list the trade-in amount as $2,000 for your trade-in but the trade-in is only worth $1,500. In this case, $500 of the trade-in amount is an overallowance. The overallowance will be deducted from your refund only if the amount of the overallowance is clearly and separately listed on your copy of the motor vehicle purchase contract, bill of sale, or other documents given to you at the time of the sale.

If the dealer still has your trade-in vehicle, s/he has the option of returning it to you rather than refunding the trade-in amount. If the dealer has the trade-in and wants to keep it, s/he may keep it and refund you the amount of the trade-in.

The use allowance on your vehicle may be large if you have driven many miles since your purchase. Keep in mind that the use allowance will be based on the miles driven through the time you actually return the vehicle and sign the vehicle’s title over to the dealer.

Your refund will not include lawyers’ fees, lost wages, excise tax, sales tax, or other costs that are not directly related to the defect. You can apply at your city or town hall for an abatement of excise tax. Contact the Department of Revenue to request information regarding an abatement for the sales tax at (617) 351-9550. If the dealer deducts from the purchase price for mileage, you may not be able to get your sales tax back. Sales tax is only returned by the state when the full payment is refunded. Since the Used Vehicle Warranty Law does not require the dealer to refund the sales tax, you may not be able to recover this cost.

ASSERTING YOUR RIGHTS

If the dealer will not refund your money, you have several options. You may seek mediation, arbitration, or file suit in court.

Mediation: This allows both parties to reach a mutually acceptable solution with the help of a facilitator. Mediation is voluntary, requiring both parties’ consent. Consumer Affairs offers a face-to-face mediation program for Lemon Law disputes; you may also apply for mediation through your Warranty Extension Reference Chart pdf format of uvref.pdf .

Arbitration: Arbitration is an informal and inexpensive way to resolve your complaint. In arbitration, the consumer and the dealer present evidence about the condition of the vehicle to an impartial person. To qualify for arbitration, you must meet the criteria outlined in this pamphlet. The purpose of the arbitration hearing is to determine whether or not your vehicle qualifies for a refund under the Used Vehicle Warranty Law. This arbitration is “all or nothing.” If the arbitrator determines that your vehicle meets the standards of the law, you will be awarded a full refund. If the arbitrator decides that your vehicle is not a “lemon,” there will be no award, although you may have rights to different remedies under other laws.

Consumer Affairs must receive your request for arbitration within 6 months of the date your vehicle was delivered to you. The request must be made on an official application provided by Consumer Affairs.

Court: You have the right to proceed to court if you have met the Used Vehicle Warranty Law’s requirements and the dealer refuses to refund your money, or if you are not satisfied with your arbitration decision.

Failure to comply with the Used Vehicle Warranty Law is an unfair and deceptive act or practice under the Massachusetts Consumer Protection Act, c. 93A, which may entitle you to double or triple damages, plus court costs and reasonable attorney’s fees. If you are considering court action, you should consult an attorney if you purchased your vehicle for more than $7,000. You or your attorney must begin by sending the dealer a 30-Day Demand Letter.

OTHER RECOURSE
Implied Warranty Law: The implied warranty of merchantability is a guarantee provided by law in the sale of all consumer products, including automobiles, even if they cost less than $700 or have been driven 125,000 miles or more before sale to you. The implied warranty is in addition to any express, written warranty. Under the implied warranty, a product must do what it was designed to do with “reasonable” safety, efficiency and ease for a “reasonable” period of time. If it does not run properly, the seller is responsible for repair, replacement or a refund. The law does not define the word “reasonable.” This will depend in part upon the condition, age, and sale price of the vehicle.

NOTE: The implied warranty of merchantability does not apply to private party sales.

A dealer cannot deny you coverage under this warranty. Under the implied warranty of merchantability, merchants cannot sell products: “AS IS” or “WITH ALL FAULTS.” or with a “50/50 WARRANTY” which requires you to split the cost of any repairs with the seller.

The Lemon Aid Law: This law allows you to void or cancel a motor vehicle contract or sale if your vehicle fails to pass inspection within seven days from the date of sale AND if the estimated costs of repairs of emissions or safety related defects exceed 10% of the purchase price. This law applies to both dealer and private party sales of cars and motorcycles purchased for personal or family use. The vehicle must be returned to the seller within 14 days from the date of sale.

Odometer Law: This law prohibits both dealers and private party sellers from turning back or readjusting the odometer or mileage indicated on any automobile offered for sale. If you can prove that the seller reset the odometer, you can sue for $1500 or three times the amount of your damages, whichever is greater, along with court costs and attorney fees. Odometer tampering is also a criminal offense.

Title Requirements: All vehicles must have a certificate of title issued by the Registry of Motor Vehicles and must be properly endorsed at the time of sale. Dealers must inform you, on request, of the name and address of the prior owner of a vehicle.

SOURCES OF HELP

For information on your rights under the Lemon Law, or case hearing information:
Office of Consumer Affairs and Business Regulation
(617) 727-7780 or Toll Free: (888) 283-3757

A copy of the Warranty Extension Reference Chart pdf format of uvref.pdf , Consumer Arbitration Manual pdf format of ucarbkit.pdf and the Arbitration Application pdf format of apliused.pdf are available on-line in Adobe Acrobat format. If you do not have Acrobat installed on your computer, you may download the program free of charge from Adobe.

To file a formal complaint (not for arbitration) against a dealer:
The Office of the Attorney General
(617) 727-8400

To check a dealer’s complaint history:
Consumer Affairs (arbitration history only)
(617) 973-8787 or Toll Free (888) 283-3757

Attorney General’s Office
(617) 727-8400

Better Business Bureau
(617) 426-9000
(508) 755-2548
(413) 734-3114

For information on auto safety problems and recalls:
National Highway Traffic Safety Administration
(800) 424-9393

Consumer Arbitration Manual pdf format of ucarbkit.pdf *

Application for Arbitration pdf format of apliused.pdf *

Warranty Extension Reference Chart pdf format of uvref.pdf *

Relevant Law:
MGL c. 90 §7N1/4: Express warranty by dealer of used motor vehicle; issuance; consumer’s rights and remedies

Relevant Regulation:
 201 CMR 11.00: New and Used Motor Vehicle Arbitration

* These documents are in Adobe Acrobat format. If you do not have Acrobat Reader, you may download it free of charge from Adobe

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Ways to save money on Massachusetts auto insurance

Ways to save money on Massachusetts auto insurance

We all want to save money, so maybe we should get right to it:

Ways to save money on Massachusetts auto insurance:

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

First of all, 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. So, make sure you shop your home and auto insurance at the same time.

2.) Utilize an Independent Insurance Agency! 

Seems like most Massachusetts Insurance Agencies write business with between 5 – 7 insurance companies, therefore by utilizing an Independent Agency you will be using the most valuable tool in the insurance shopping tool box: competition! An Independent Insurance Agency is most familiar with the different discounts and programs that are available.

3.) Take advantage of available discounts!

This one is probably the trickiest one. Because different companies offer different discounts and knowing which ones are best for you, therefore an Independent Insurance Agent can provide you valuable assistance.

When reviewing different companies discounts, keep in mind that no matter how many discounts companies seem to give, because the bottom line, annual premium is the most important thing.

Discounts include:

  • 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 (“B”or better) and also student away at school discounts.
4.)  Make certain that you have the best insurance program!

Discounts are good, but do not automatically bypass valuable, affordable insurance coverage programs due to ignorance, such as:

  • Disappearing Collision Deductible.
  • Accident and Moving Violation Forgiveness. Because being almost not at-fault in an accident doesn’t cut it!
  • Guaranteed Replacement Cost.
  • Emergency Road Travel Expenses.
  • Auto loan/Gap Coverage.
  • Combined bill options.
  • Electronic Funds Transfer billing option/ No service fees.

Finally, if you want to save money on Massachusetts auto insurance maybe put MassAutoQuote to work for you. Fill out a quote request and we’ll give you different coverage, premium, and company options.

So there we have it, MassAutoQuote‘s: Ways to save money on Massachusetts auto insurance.

MassAutoQuote offers free auto insurance quotes in Massachusetts only! Why? Because Massachusetts is the best!

 

What to do do when in an auto accident

What to do when in an auto accident
Getting in an auto accident is a very scary, highly stressful situation. It’s easy to forget what to do, so we offer the following tips, what to do when 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 Insurance Agent!
Should you fill out a Massachusetts Crash Report?

“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 here: http://www.massrmv.com/rmv/forms/21278.pdf

Once you’ve completed the report send copies to:

  • local or state police department in the city or town where crash occurred
  • your independent, MA insurance agent or insurance company
  • a copy to the RMV, Crash Records, PO Box 55889, Boston, MA 02205-5889
Were you at-fault in the accident?

When determining fault in an auto accident, MA insurance companies use the following Standards of Fault:

  • Collision with a lawfully or an unlawfully parked vehicle
  • Rear-end collision
  • Out-of-lane collision
  • Failure to signal
  • Failure to proceed with due caution from a traffic control signal or sign
  • Collision on wrong side of road
  • Operating in the wrong direction
  • Collision at an uncontrolled intersection
  • Collision while in the process of backing up
  • Collision while in the process of backing up
  • Collision while making a left turn or a U-turn across the travel path of a vehicle travelling in the same or opposite direction
  • leaving or exiting from a parked position, a parking lot, an alley, or a driveway
  • Opened or opening vehicle door(s)
  • Single-vehicle collision
  • Failure to obey the rules and regulations for driving
  • Unattended vehicle collision
  • Collision while merging onto a highway or into a rotary
  • Noncontact operator causing collision
  • Failure to yield the right-of-way to emergency vehicles when required by law
  • Collision at a “T” intersection(you entered from side road)

Were you “at-fault” in the accident? If your insurance company paid out over $500 and determined you to be more than 50% at-fault, then you can expect to receive a Massachusetts Surcharge Notice.

If you believe there were other contributing factors in the accident and were less than 50% at-fault, MassAutoQuote suggests you should appeal the surcharge.

When determining fault in an accident, unlike the insurance companies, the Board of Appeals takes into consideration contributing factors; such as: road condition (icy, wet, snow-covered), visibility, erratic driving, etc.

The cost to appeal the surcharge is $50 and the Massachusetts Board of Appeal tells us it is currently taking about 8 months before your receive your hearing date.

You can appeal a surcharge either: in person, by written statement, or by selecting someone to appear on your behalf.

Hearings are scheduled in:  Boston, Brockton, Peabody, Plymouth, Somerville, Springfield, Waltham, or Worcester.

Mass.gov Board of Appeal Contact information

http://www.mass.gov/ocabr/consumer/insurance/auto-insurance/appeal-lcense-revocation/board-of-appeal-contacts.html

To review, what to do when in auto accident: get information, fill out crash report, consider surcharge appeal.

MassAutoQuote: Not Geico

MassAutoQuote: Not Geico

Lately we’ve been getting a number of phone calls from people thinking we’re Geico. No offense, but we’re MassAutoQuote: Not Geico.

Some of the differences between MassAutoQuote and Geico:

  • We’re a family business.
  • We’ve been quoting auto insurance online in Massachusetts since 1999.  Geico didn’t join the party until 2009.
  • We’re powered by local, independent insurance agents.
  • We shop your coverage with numerous companies.
  • We do not have a $1B annual advertising budget.
  • We sell insurance in Massachusetts and only in Massachusetts.
  • We work on your side when you have a loss!
  • We know how to pronounce Worcester and Woburn.
  • We shop your coverage at renewal time to see if another company offers a lower premium.
  • We offer other lines of insurance including: home, apartment, condominium, commercial, and life insurance.
  • We do not have funny cavemen or lizards.
  • We do offer Free Registry of Motor Vehicles service!

So, if you’re shopping for Massachusetts auto insurance: great.

You’ve found the right place.

Typically we’ll save you money and improve your coverage.

If you’re trying to contact Geico and looking for a telephone number: we’re not Geico.

We’re MassAutoQuote: Not Geico.

Give us a call, click, or visit.

You’ll be glad you did.

Don’t Let Your MA Inspection Sticker Lapse

Don't Let Your MA Inspection Sticker Lapse

The cruelest of all surcharge points, from a Massachusetts auto insurance perspective, is the one for an ”expired inspection sticker” citation. Don’t let your MA inspection sticker lapse.

In Massachusetts, a ticket for an expired vehicle inspection sticker is the equivalent, in auto insurance citation points, of a moving violation.

According to the MA Division of Insurance, surcharge points are incurred if you:

  • cause an at-fault accident
  • are convicted of or pay a fine for a traffic law violation
  • are assigned to an alcohol education program

An expired inspection sticker is considered “pay(ing) a fine for a traffic law violation.”

A $40 ticket results increased insurance costs for 6 years! If you have/ had a perfect driving record, that can amount to about a 20% increase (!!) the first three years, diminishing the following three.

So here’s your warning:
  • Check your windshield and Don’t let  your MA inspection sticker lapse!

MA Inspection Station locator link: Click Here.

Massachusetts Auto Insurance Quotes

Massachusetts Auto Insurance Quotes

When shopping for Massachusetts auto insurance quotes, remember:

  • All quotes are not created equal.

Have your existing Coverage Selections Page in front of you. Make sure you are getting an “apples to apples” MA auto insurance quote comparison.

In this humble, MA independent insurance agent’s opinion, the most important coverage on the MA auto policy is your Part 5, Optional Bodily Injury to Others coverage. This is, essentially, your law-suit coverage.

We recommend you carry, at least, limits of $100,000 per person/ $300,000 per accident limits. We also recommend you match your Parts 3 & 12 (protects you & occupants from Uninsured & Underinsured Motorist Coverage).

  • Get quotes for improved liability limits.

If you carry liability limits of less than $100,000 per person/ $300,000 per accident (Parts 3, 5 & 12 on the MA auto insurance policy), have your insurance agent quote you improved coverage. You might be surprised how affordable better limits are. Limits of $250,000 per person/ $500,000 per accident are available and we recommend you:

  • Consider Personal Liability Umbrella coverage.

Personal Liability Umbrella coverage “sits-over” your auto and home liability limits. Coverage limits are from $1,000,000 – $5,000,000. Companies require underlying auto insurance limits of $250,000 per person/ $500,000 per accident.

  •   Does your auto insurance coverage include “accident forgiveness” and “disappearing deductible?”

When getting Massachusetts Auto Insurance Quotes check to see if their quote includes  the valuable “accident forgiveness” and “disappearing deductible” features. Make sure your coverage includes these endorsements. Note: most MA insurance companies will offer these endorsements if you are an experienced driver (6+ years) with an excellent driving record (in MA: step “99” or “98” drivers).

  • Have you packaged your MA auto insurance with your home, condominium, or apartment insurance?

If not, make certain your MA insurance agent packages your auto with your home insurance company. It is the only way to ensure you are getting the best premiums. If you have packaged your products, and you are considering moving your auto only to another insurer: beware! You will, most likely, lose the large account discount on your home insurance.  When shopping for your Massachusetts Auto Insurance Quotes, shop your auto and home insurance at the same time!.

  • Call or click for your free, no-obligation MA auto insurance quote.

MA Auto Insurance Surcharge Appeal

MA Auto Insurance Surcharge Appeal

We’ve reported before and believe it’s worth talking about some more: MA Auto Insurance Surcharge Appeal.

Have you been found “at-fault” in a Massachusetts accident?

Have you received a Massachusetts Surcharge Notice?

If so, this means your insurance company paid out over $500 and have determined you to be more than 50% at-fault.

If you believe you were less than 50% at-fault, MassAutoQuote believes you should appeal the surcharge.

When determining fault in an accident, unlike the insurance companies, the Board of Appeals takes into consideration contributing factors; such as: road condition (icy, wet, snow-covered), visibility, erratic driving, etc.

The cost to appeal the surcharge is $50 and the Massachusetts Board of Appeal tells us it is taking about 8 months before your receive your hearing date.

You can appeal a surcharge either: in person, by written statement, or by selecting someone to appear on your behalf.

Hearings are scheduled in:  Boston, Brockton, Peabody, Plymouth, Somerville, Springfield, Waltham, or Worcester.

Mass.gov Board of Appeal Contact information

http://www.mass.gov/ocabr/consumer/insurance/auto-insurance/appeal-license-revocation/board-of-appeal-contacts.html

Board of Appeal
Division of Insurance
1000 Washington St, Suite 810
Boston, MA 02118-6200
Phone (617) 521-7478
Fax (617) 521-7772
Email: BOA Mailbox


Merit Rating Board
P.O. Box 55889
Boston, MA 02205-5889
Phone: (617) 351-4400

Massachusetts Junior Operator Law

Massachusetts Junior Operator Law

Massachusetts Junior Operator Law.

Operating a motor vehicle is serious business and the Commonwealth of Massachusetts has a strict Junior Operator Law for new drivers.

As a refresher course:

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.

Call or click MassAutoQuote if you’d like a free, no-obligation, Massachusetts Auto Insurance quote. You’ll be glad you did.

Geico vs. Insurance Agent

Geico vs. Insurance Agent? Take the Agent.

Geico vs. Insurance Agent. Be careful you don’t click too soon.

Geico has funny commercials, a cute lizard, and they can, sometimes, have good rates.

From my independent, Massachusetts insurance agent perspective, however, that’s were the funny, cute, and good stuff ends.

We have a long time client that was hit head on by a vehicle insured with Geico.

The Geico vehicle was at-fault, allegedly skidding on black ice (our insured thinks the person was texting).

Geico appraised the vehicle (a 2005 Honda Accord LX with 141,000 miles) and deemed it to be a total loss.

The N.A.D.A. values for her vehicle are: $8,050 (retail) and $5,650 (trade).

GEICO offered her: $4,555 as settlement. Take it or leave it.

We had our client’s insurance carrier appraise the vehicle and they, in turn, offered her the full retail value: $8,050 (+ $503.12 … 6.25% sales tax).

Geico vs. Insurance Agent: $4,555 vs $8,050.

We recommended our client accept her company’s offer and let GEICO know she has decided to go first party through her own insurance company.

As I hung up the phone with our client, I thanked her for insuring with us.

Her response was: “Always.”

Having an independent agent as your advocate, whether deciding on coverage that’s right for you, or at claim time, can really make a difference.

That’s my biased, independent Massachusetts agent position.

Call or click us today for your free, no obligation Massachusetts auto insurance quote.

You will be glad you did.

MassAutoQuote will save you Benjamins

MassAutoQuote will save you benjamins.

MassAutoQuote will save you Benjamins.

We utilize the Massachusetts Independent Insurance Agent to get you the best rates and coverage.

The Independent Insurance Agent shops coverage with numerous companies and takes advantage of available discount programs.

The Independent Insurance Agent will advise and advocate.

MassAutoQuote will save you Benjamins.

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.

MassAutoQuote will save you Benjamins!

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.

MassAutoQuote through your local, Independent Agent will save you Benjamins.