Massachusetts At Fault Accident

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

Have you received the surcharge notice? If so, this means your insurance company determined you more than 50% at-fault.

If you believe you were less than 50% at-fault, we believe 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, other vehicle erratic driving, etc.

Once you have received your hearing date you can: appear in person, submit a written statement, or select someone to appear on your behalf.

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

If you decide to appeal your surcharge, call your MA independent insurance agent for some suggestions.

If you don’t have an independent MA agent, give us a call.

We are here to support you.

Good Luck! Board of Appeal Contact information

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: 857-368-8100
Fax: (617) 351-9660


Massachusetts Drivers: Texting Laws

  • It is illegal for all drivers in Massachusetts to use a mobile phone or other handheld device to compose, send or read electronic messages while behind the wheel. What most drivers may not know is that the ban includes these activities while at stop signs and red lights, too.
  • Drivers under 18 cannot use cell phones, even with hands-free devices, at all.
  • If a driver is caught texting while driving, the penalties include:
    • First offense: $100 fine
    • Second offense: $250 fine
    • Third and subsequent offense: $500 fine
    • Drivers under 18 will also face license suspensions for violations.

Have You Checked Your Liability Limits Lately?

The heart of your Massachusetts auto insurance policy is your liability limits.

Specifically, Part 5, Optional Bodily Injury to Others.

Part 5 is the coverage available to an injured party to make them whole again, if you are in an at-fault accident.

This is your lawsuit coverage, the amount your insurance company will pay out before you are on your own. In addition to coverage limits, insurance companies provide legal defense. When you purchase improved liability limits you, in essence, also purchase improved legal defense.

Our independent, MA insurance agency (Johnson & Rohan Insurance) recommends you carry at least limits of $100,000 per person/ $300,000 per accident and suggest you consider $250,000 per person/ $500,000 per accident limits and personal liability umbrella coverage.

In addition, we recommend you match your Parts 3 & 12, Uninsured and Underinsured Motorist Protection, to match your Part 5 limits.

Parts 3 & 12 protect you and guest occupants from other drivers that are either uninsured or those that carry lesser limits than you carry.

Does Your MA Auto Policy Go on Vacation with You?

Before relaxing on a long vacation, there are many things you need to think about: airline tickets, hotel reservations, and car rental. What about your auto insurance coverage?

If you have your own MA personal auto insurance policy then your coverage will follow you in the United States, U.S. Territories, Puerto Rico, and Canada.

If you travel to Bermuda, Europe, Mexico or other international destinations, you MA personal auto insurance coverage will NOT follow you and you will want to purchase coverage from the rental company.

Contact your MA independent insurance agent to see if the coverage you carry is adequate.

Competetive, Comparative Auto Insurance Quotes

Massautoquote is your online Massachusetts insurance broker.

We utilize the power of the independent insurance agent to rate you with multiple companies & find you the best rate and insurance program.

Massautoquote’s Privacy Statement:

Your personal information will never be used, or sold, for any purpose other than to supply you with the requested insurance information. You will never receive an uninvited solicitation from anyone as a result of Massautoquote’s service.

How Much Liability Insurance Should I Carry?

There is no precise, scientific answer nor is there a single, reliable “rule of thumb.”

Liability coverage isn’t purchased for the average claim, rather higher limits are purchased for the catastrophic type loss. The type of loss that could jeopardize one’s personal assets & earning potential.

Question:  Has your net worth increased over the past five years and have you increased your liability coverage to reflect this increase?

In response to increasing net worth, we recommend Personal Liability Umbrella coverage.

Umbrella coverage starts at one million dollars and “sits over” your automobile and home liability coverage. Coverage can be purchased in increments of a million up to $5M.

Personal Liability Umbrella coverage has underlying personal automobile liability requirements of $250,000 per person/ $500,000 per accident.

Call or click us today to find out how much liability coverage is right for you.

MA Auto Insurance

Our independent, Massachusetts insurance agency received a call this morning from a woman shopping for MA auto insurance.

She presently has a policy with an online company that does not use independent insurance agents in Massachusetts. When the company entered the state a few years ago they offered her, what she thought was, a terrific rate.

Two years ago she was involved in a minor, single vehicle accident and surcharged 3 points on her Mass license.

We asked her about her accident and, after listening to the details, asked her if she had filed a state Surcharge Appeal form?

She had not, and said no one had ever explained the surcharge or appeal process to her.

We then rated her March renewal with 7 MA auto insurance companies and offered her the best premium we could find.

By the end of the conversation, we were able to save her over – $200 and, we believe, she is well on her way to winning her MA surcharge appeal!

Using a MA Independent Insurance Agent has it’s advantages!

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! 

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:

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. 

MA Auto Insurance Quotes


If you’re looking for Massachusetts auto insurance, you’ve come to the right place. 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. will provide you the best MA auto insurance rates, with the best companies, the best coverage, and the best service.