Massachusetts Pandemic Report: Phase III, Step II

Massachusetts Phase 3, Step II

 

 

 

 

BOSTON — The Baker-Polito Administration today announced that effective Monday, October 5th, lower risk communities will be permitted to move into Step II of Phase III of the Commonwealth’s reopening plan. All other communities will remain in Phase III, Step I. Governor Charlie Baker also issued a revised gatherings order. Industry specific guidance and protocols for a range of Phase I, II, and III businesses will also be updated.

Phase III, Step II:

On May 18, the Baker-Polito Administration released a four-phased plan to reopen the economy based on sustained improvements in public health data.

Last month, the Administration began releasing data on the average daily COVID cases per 100,000 residents, average percent positivity, and total case counts, for all 351 Massachusetts cities and towns.

Lower risk communities are defined as cities and towns that have not been a “red” community in any of the last three weekly Department of Public Health (DPH) weekly reports.

Effective October 5, a limited number of sectors will be eligible to reopen, with restrictions, in Step II of Phase III for lower risk communities only:

  • Indoor performance venues will be permitted to open with 50% capacity with a maximum of 250 people.
  • Outdoor performance venue capacity will increase to 50% with a max of 250 people.
  • For arcades and indoor and outdoor recreation businesses, additional Step II activities like trampolines, obstacle courses, roller rinks and laser tag will also be permitted to open and capacity will increase to 50%.
  • Fitting rooms will be permitted to open in all types of retail stores.
  • Gyms, museums, libraries and driving and flight schools will also be permitted to increase their capacity to 50%.

News item from Mass.gov (https://www.mass.gov/news/baker-polito-administration-announces-transition-to-step-ii-of-phase-iii-for-lower-risk)

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.