Spring Auto Insurance Review

Spring Auto Insurance Review

Each year, like Spring Cleaning, you should call, click or visit MassAutoQuote to review your auto 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?
  • 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?
  • Would you like us to quote your business insurance? Johnson & Rohan Insurance has great commercial markets. 

Not all insurance companies offer the same discount programs which is why it is important to take advantage of the shopping power of MassAutoQuote.

Call, click or visit for your annual, Spring auto insurance review. We will help you get the best insurance coverage and discounts!

Moving to Massachusetts

Moving to Massachusetts

Well, it’s settled. You’re moving to Massachusetts!

Let us be one of the first to welcome you.

Massachusetts is a great State. From our beaches, to our mountains, to our cities, to our institutions, to our storied history: we’ve got it all.

How can I get my vehicle registered and insured?

We can help.

Step 1 – Find your auto insurance policy.

Find coverage and premium you’re comfortable with. We will shop numerous companies for you.

MassAutoQuote has been giving out free, no-obligation, online MA auto insurance quotes since 1999 (that’s longer than Geico has been giving out quotes here).

By getting a MA auto insurance quote from us, you utilize the shopping power of the Massachusetts independent insurance agent.

Step 2 – Get your vehicle registered.

In Massachusetts insurance and registration go “hand-in-hand.”

You can’t have one without the other.

Once you have found the auto insurance coverage and premium you are comfortable with, will put together a Registry of Motor Vehicles Form 1 with an insurance stamp.

Note: Massachusetts is a “Title state,” in order to get new MA plates you have to turn in your prior, out-of-state title, and get a new MA title.

Your MA driving record is determined by things such as:  years licensed, at-fault accidents, violations, citations, and suspensions.

(Remember:  You must obtain annual vehicle inspection sticker within seven (7) days of your vehicle’s registration date.)

So, although moving to Massachusetts is a big move, we’ll find you the best best auto insurance and help you get your vehicle registered.

Moving to Massachusetts? Call or click us to get your free, no-obligation Massachusetts Auto Insurance Quote.

 

 

What is bailment?

What is bailment?

What is bailment?

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

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

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

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

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