Massachusetts “At-fault” auto accident

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

Have you received the MA surcharge notice?

If so, this means the insurance company found you more than 50% at-fault and paid out more than $500 in damages.

Less than $2,000 paid out results in a 3 point (minor accident) surcharge.

More than $2,000 results in a 4 point (major accident) surcharge.

If you believe you were less than 50% at-fault in the accident, then MassQuotes recommends you appeal the surcharge.

Unlike insurance companies, the Massachusetts Board of Appeal takes into consideration other contributing factors, such as: road condition (icy, wet, snow-covered), visibility, other vehicle erratic driving, etc.

The Board of Appeal tells us it is presently taking about 9 months before consumers receive the hearing date. The cost to appeal is a non-refundable $50.

Once the hearing date is received 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, Waltham, or Worcester.

If you decide to appeal your surcharge: good luck.

(If you win, you can thank us by getting a quote!)

MA Auto Insurance Discounts

Some of the traditional Massachusetts automobile insurance discounts:

Age 65 or Older – A 25% discount for all coverage items will be applied after all other discounts and rating factors, but prior to the application of the SDIP rating step.

Passive Restraint discount– A 25% discount applied to the premium paid for Parts 2,3,6 and 12 is available if your auto is equipped with an air bag or automatic seat belts.

Annual Mileage discounts – A 10% discount applied to the premium paid for Parts 1-8 and Part 12 is available if your estimated annual mileage falls between 0 and 5,000 miles. A 5% discount is available if your estimated annual mileage falls between 5,000 and 7,500 miles.

Anti-theft discounts – Up to 35% of the premium paid for Part 9 (Comprehensive) are available for automobiles with various types of qualifying anti-theft devices. Many glass companies offer complimentary “window etching” which will qualify you for a 15% anti-theft discount, in lieu of any other device.

Multi-Car discounts – Available if an individual or married couple own two or more autos insured by the same company and there are no inexperienced operators.

Driver’s Education discount – A 10% discount applied to the premium for Parts 1,2,4,5, and 7 is available for the first 3 years after an inexperienced driver has completed an approved training course.

Public Transit discount – A 10% public transit discount is applied to the premium paid for Parts 4 and 7 (up to a maximum of $75 per eligible vehicles). This discount is available if you provide your insurer with evidence of purchase of 11 months of commuter passes from qualified transit systems and if you do not drive your auto to work or school more than 10 days per month.

In addition, other Massachusetts auto insurance discounts may include:

  • Account discount on your auto if you have a home, apartment or condominium policy with the same company.
  • Excellent driver & excellent driver plus discounts (99 & 98 drivers).
  • Pay in full discounts.
  • Hybrid vehicle discount.
  • Advanced driver training discount.
  • Alumni & professional group discounts.
  • Good student discount (“B”or better).
  • Student away at school discount.
  • Multi-vehicle policy & multi-car discounts.

Winter Driving Tips

After the ground hog did not see his shadow, February and March have been anything but lamb-like.

As a consumer service, we offer Massachusetts Winter Driving Safety Tips:

  • Have a well-stocked Winter Emergency Car Kit.
  • Keep your gas tank at least half full.
  • Install good winter tires with adequate tread and pressure.
  • Keep a windshield scraper and small broom for ice and snow removal. Keep all windows clear of snow and ice and keep your headlights and taillights clear, as well.
  • Check your antifreeze, battery and windshield wipers and wiper fluid.
  • Plan long trips careful, listening to the radio or NOAA Weather Radio for the latest weather forecasts and road conditions. Consider Public Transportation.
  • Travel during daylight hours, and if possible, take another person with you.
  • Let others know your timetable and primary and alternate routes. Allow extra time. The first 1/2? of snow is sometimes the most slippery. Allow adequate braking distance from the car in front of you.
  • Slow down. Many times hazards like black ice are not seen until it is too late. Remember bridges and overpasses can freeze up sooner than roadways.
  • Be extra alert. Snowdrifts can hide children or other vehicles.
  • Yield to snowplows, giving them plenty of room to safely do their job. Be patient and follow at a safe distance.
  • If a blizzard taps you in your car, pull off the highway. Turn on hazard lights and hang a brightly colored distress flag/cloth from your radio antenna or window.
  • Remain in your vehicle where rescuers are more likely to find you. Do not set out on foot, unless you can see a building close by where you know you can take shelter.
  • Run the engine and heater about 10 minutes each hour to keep warm. When the engine is running, crack open the window slightly for ventilation. Periodically clear snow from the exhaust pipe.
  • Exercise to maintain body heat, but avoid overexertion. In extreme cold, use road maps, eat coverage and floor mats for insulation. Huddle with passengers.
  • Take turns sleeping. One person should be awake at all times to look for rescue crews.
  • Drink fluids to avoid dehydration.
  • Be careful not to waste battery power. Balance electricity energy needs: the use of lights, heat and radio.
  • At night, turn on the inside dome light so work crews and rescuers can see you.
  • After the snow stops falling, raise the hood to indicate you need help.

Shop for MA Insurance with Massquotes

Massquotes.com is your internet insurance website for finding the most competitive Massachusetts Auto, Home & Life Insurance.

MassQuotes utilizes the power of your local, independent insurance agent to shop for the best coverage and the best rates with the best companies.

Your MA independent agent writes with numerous companies and will be able to package your policies for the best premiums.

Your insurance agent should be able to help you with the MA Registry of Motor Vehicles.

Your MA agent will advocate for you at claim or billing time.

To find the best Massachusetts auto, home or life insurance rate: call or click us today!

Your Massachusetts Independent Insurance Agent

Why a Massachusetts Independent Insurance Agent?

Some people think it doesn’t really matter where they buy their Massachusetts insurance. This misconception is most likely costing them money, service, and protection.

Buying a Massachusetts insurance policy isn’t like buying bread or milk. Insurance is an important safety net for your family, your home, your car and your business.

Don’t treat your purchase lightly!

There are three sources to go to for your Massachusetts insurance protection:

  1. Captive Agents, who sell insurance for only one company.
  2. Direct writers & telephone representatives, who can offer you the insurance of one company, and only on the internet & telephone.
  3. Independent MA Insurance Agents, who represent an average of eight insurance companies, and shop to find you the best combination coverage and price.

Your Massachusetts Independent Insurance Agent:

  • Is a 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, lifeand 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.
  • Customer satisfaction is the key to a Massachusetts independent agent’s livelihood. So, serving you is a very important concern.

There Is A Difference between Massachusetts Independent Insurance Agents and Captive Agents.

Call or click us at Massquotes to get your free MA insurance quote.

Massachusetts Auto Insurance

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 911 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.      Call your independent Massachusetts insurance agent to report the claim.

If there was more than $1,000 damage to any vehicle or property, or if anyone was injured, operators are required to complete and file a MA Crash Operator Report with the Registry of Motor Vehicles, the police department in the town where the crash occurred, and to your insurance agent.

You can visit the Massachusetts Registry of Motor Vehicles at: http://www.massrmv.com/

Personal Liability Umbrella Coverage

A Massachusetts Personal Liability Umbrella Policy “sits-over” your home and auto liability limits. Coverage limits start at $1,000,000 and provide you protection from lawsuits.

Coverage is relatively inexpensive to purchase.

$1,000,000 of coverage sitting over two autos and a home costs about $160 annually.

Umbrella Policies require underlying motor vehicle liability limits of $250,000 per person/$500,000 per accident.

In addition to coverage limits, insurance companies provide legal defense.

So, in essence, when you purchase higher limits you are also purchasing improved legal defense.

 Please call or click us if you would like to discuss Personal Liability Umbrella Coverage.

Massachusetts Winter Driving Tips

We originally published this post in November, luckily we haven’t had to refer to it too often this winter.

This morning we woke to some slopiness so we offer, once again, our winter driving tips …

The Massachusetts Emergency Management Agency (http://www.mass.gov) has issued information to help people prepare for another Massachusetts Winter Season. Following please find a list of Automobile Safety Tips and a list of items to include in your Winter Emergency Car Kit.

Massachusetts Winter Driving Safety Tips:

  • Have a well-stocked Winter Emergency Car Kit.
  • Keep your gas tank at least half full.
  • Install good winter tires with adequate tread and pressure.
  • Keep a windshield scraper and small broom for ice and snow removal. Keep all windows clear of snow and ice and keep your headlights and taillights clear, as well.
  • Check your antifreeze, battery and windshield wipers and wiper fluid.
  • Plan long trips careful, listening to the radio or NOAA Weather Radio for the latest weather forecasts and road conditions. Consider Public Transportation.
  • Travel during daylight hours, and if possible, take another person with you.
  • Let others know your timetable and primary and alternate routes. Allow extra time. The first 1/2? of snow is sometimes the most slippery. Allow adequate braking distance from the car in front of you.
  • Slow down. Many times hazards like black ice are not seen until it is too late. Remember bridges and overpasses can freeze up sooner than roadways.
  • Be extra alert. Snowdrifts can hide children or other vehicles.
  • Yield to snowplows, giving them plenty of room to safely do their job. Be patient and follow at a safe distance.
  • If a blizzard taps you in your car, pull off the highway. Turn on hazard lights and hang a brightly colored distress flag/cloth from your radio antenna or window.
  • Remain in your vehicle where rescuers are more likely to find you. Do not set out on foot, unless you can see a building close by where you know you can take shelter.
  • Run the engine and heater about 10 minutes each hour to keep warm. When the engine is running, crack open the window slightly for ventilation. Periodically clear snow from the exhaust pipe.
  • Exercise to maintain body heat, but avoid overexertion. In extreme cold, use road maps, eat coverage and floor mats for insulation. Huddle with passengers.
  • Take turns sleeping. One person should be awake at all times to look for rescue crews.
  • Drink fluids to avoid dehydration.
  • Be careful not to waste battery power. Balance electricity energy needs: the use of lights, heat and radio.
  • At night, turn on the inside dome light so work crews and rescuers can see you.
  • After the snow stops falling, raise the hood to indicate you need help.

Winter Emergency Car Kit:

  • Flashlight with extra batteries
  • Charged cell phone/ automobile charger
  • Basic first-aid kit
  • Necessary medications
  • Pocket knife
  • Blankets or sleeping bags
  • Extra clothes (include rain gear, boots, mittens, socks)
  • High-calorie, non-perishable foods (dried fruits, nuts, canned food)
  • Manual can opener
  • Container of water
  • Windshield scraper & brush
  • Fire extinguisher
  • Shovel
  • Sand/ road salt/ cat litter for generating traction
  • Tire chains or traction mats
  • Basic tool kit (pliers, wrench, screwdriver)
  • Tow rope
  • Battery jumper cables
  • Road flares/ reflectors
  • Brightly colored cloth to utilize as a flag
  • Road maps

Life Insurance Reminder

 

Do you have a Massachusetts term life insurance policy already in effect?

If so, you may want to re-apply.

Term life insurance rates are extremely low right now.

If you can get in a more preferred category, extend your policy term, and pay less money, then it may be worth the effort (application & medical exam etc.) to re-apply.

Please call or click us to discuss.

Massachusetts Lemon Law

 
According to Mass.gov, the official website of Massachusetts, the most requested information topic is: The Massachusetts Lemon Law.
 
The Lemon Law allows MA consumers to void a vehicle sale if the vehicle fails to pass inspection within 7 days from the date of sale AND if the costs of repairs of emissions or safety related defects exceed 10% of the purchase price.
 
For additional details & forms, please visit: