Employers - How to Reduce Cell Phone Distracted Driving

Posted on Tue, Mar 21, 2017

According to the National Safety Council, distracted driving is a leading cause of motor vehicle crashes.  Employers recognize the risk involved with employees who may be using cell phones while driving at work.  Many business owners may be asking themselves the question "How do I create a Distracted Driving Policy" or "What should a Cell Phone Policy Look Like?"  or even "If my employee gets in a crash while driving distracted, am I liable?"

April is Distracted Driving Awareness Month.  This makes it a good time to talk about how to reduce cell phone distracted driving for everyone. 

Check out the following video from the National Safety Council which helps explain why every workplace needs a Cell Phone Policy.

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Don't Become a Victim of Auto Insurance Fraud

Posted on Thu, Mar 02, 2017

Experts warn drivers to look out for staged auto collisions while they are on the road. More than half of the fraud referrals in the insurance industry are for auto insurance fraud.

These crashes are usually planned by organized crime groups. Perpetrators target vehicles with high values and also those owned by counties or cities. The reason they target such vehicles is because they know these types almost always have insurance coverage. Experts say they have been successful in lowering the fraud rates and have been bringing more perpetrators to justice. This helps prevent millions of dollars from being wasted on auto fraud claims. When drivers are forced into crashing by perpetrators, they may only see minor dents or other damages. However, the crooks will always appear to be injured and make immediate complaints of pain. There are several popular methods they use.

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Car Business Gets Hit as Insurance Companies Make Changes

Posted on Wed, Feb 22, 2017

We are hearing from many Car Dealerships, Auto Repair Shops, and related businesses in the auto industry that they are being told to look for new insurance to protect their businesses, or that they are seeing big rate increases. 

The stinger here is that this is all too often through no fault of the business; they pay their bills, and they have little or no claims.  So what’s going on?  There are a few reasons why the insurance market is shrinking for the Auto Sales & Repair Business:

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Disabled Parking Placard Changes

Posted on Tue, Jan 31, 2017

Have you heard that there are updates to the regulations regarding disabled parking placards?  We have been advised by the MassDOT that the following changes will take effect:

  1. The appearance of the placard will change
  2. The Application for the Disabled Parking Placard / Plate has been revised
  3. A new Disabled Parking Placard Abuse Confiscation & Reporting Form has been created

The full details are:

Placard Appearance Changes

Beginning February 2017, Disabled Parking Placards issued by the RMV have a new appearance. Small blue wheelchair symbols appear behind the Placard Number and Expiration Date. This security feature has been added to help identify instances of altered placard numbers or expiration dates, that have been observed and cited by law enforcement. This change applies to all placards, both permanent and temporary.

All old-style placards with the plain white background in the Placard Number and Expiration Date sections will remain valid until the date of expiration shown on the placard. It will take up to five years before the old placards are completely phases out.

Revised Application for Disabled Parking Placard/Plate

Effective January 2017, the Application for Disabled Parking Placard/Plate (document number T20060-0117) has been revised. The revised form stresses to both the applicant and the healthcare provider the penalties for placard misuse and that a healthcare provider should only sign off on an application out of necessity of the disabled individual and not as a convenience.

Previous versions of the Application for Disabled Parking Placard/Plate will not be accepted after April 1, 2017

New Confiscation Reporting Procedure and Form

To further deter abuse of placards, the RMV is implementing a placard confiscation notification procedure statewide for Law Enforcement. Mass General Law Chapter 90, Section 2 contains penalties for both violators misusing disabled parking privileges, as well as placard owners/holders.

While there are established processes for citations and parking tickets, this new procedure is necessary for the RMV to promptly address the placard owner. Police departments can complete and submit the new Disabled Parking Placard Abuse Confiscation & Reporting Form (document number T21931-0117), and the RMV will immediately cancel any confiscated MA placard. 

The cancellation notice will stop re-issuance if a customer reports his/her placard as lost or stolen to the RMV. The information provided by law enforcement allows the RMV to update and keep a complete customer record regarding the abuse and it affords the placard owner an opportunity for an administrative hearing on the following issues: “The registrar may revoke the plate or placard as issued to a person upon a finding that the person to whom the plate or placard was issued willingly and without coercion or duress authorized, permitted, or allowed it to be used by another person”. The Disabled Parking Placard Abuse Confiscation and Reporting Form have been provided to police departments.

We hope that sharing this information with you is helpful.  By the way, if you are interested in options for your car insurance, why not give us a call?  We have many car insurance companies that we can look at for your Massachusetts Car Insurance!  Call today 617-846-5000 or click below 24/7 for a quote!

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With offices in Danvers & Winthrop Massachusetts, Elliot Whittier Insurance has been awarded the Five Star Award of Distinction  from the Massachusetts Association of Insurance Agents.  Elliot Whittier Insurance is also a Trusted Choice® Agency and represents multiple insurance companies, so it offers you a variety of personal and business coverage choices and can customize an insurance plan to meet your specialized needs.  You can visit Elliot Whittier Insurance online at or email or call 800-696-3947

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Who Needs Directors and Officers Insurance?

Posted on Tue, Jan 24, 2017

All organizations and the people who lead them are vulnerable to the types of claims that Directors & Officers Insurance may respond to. Did you ask yourself the question "Do I need Directors & Officers Insurance, and if so, why?"

Directors and officers (D&O) liability insurance protects against financial losses resulting from claims based on allegations of wrongdoing by these individuals when acting in their corporate capacities. Both publicly traded and privately held companies as well as non-profits should consider the coverage.

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Massachusetts and the new REAL ID - What is it all About?

Posted on Fri, Jan 20, 2017

You may have heard about REAL ID requirements that are slated to take effect.  Have you wondered what the REAL ID means for Massachusetts?

We have the following information from the MassDOT regarding the types of identification that will be acceptable for boarding domestic flights in January 2018.

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How to Avoid Public Wi-Fi Security Risks

Posted on Tue, Dec 13, 2016

During the holiday season we may find ourselves out of our homes more often, in the malls, at restaurants, hotels, and in coffee shops.    With that, we may also be accessing pubic wi-fi networks more frequently.  Almost anytime you step into a coffee shop or hotel lobby, you can see folks on their laptops.  Do you ever ask yourself, how safe is public wi-fi and how do I avoid public wi-fi security risks?  

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Ways to Avoid Frozen Pipe Damage to your Home

Posted on Thu, Dec 08, 2016

As winter in Massachusetts sets in, we're reminded of one of the perils to the homeowner of colder weather:  frozen pipes that burst,  and the damage to the home that results. 


Image Courtesy of Narragansett Bay Insurance Company

Ways to keep your pipes from freezing

It’s hard to think of a worse start to a winter day in Massachusetts than turning on the faucet and … nothing. Maybe there’s a trickle of water, but it’s clear you have a frozen pipe. So, what now? Here are some smart tips from our friends at Safeco Insurance to help you prevent or address what could easily become a very messy and expensive situation:

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Tags: home insurance, Winter, frozen pipes

MassDOT Announces Registry Delay

Posted on Wed, Dec 07, 2016

We have been notified by the Registry of Motor Vehicles (MassDOT)  of the following delay in certain registration renewals:

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Announcing Thanksgiving Office Hours

Posted on Mon, Nov 21, 2016

So that our staff may enjoy time with their families, our offices will close at 1:00 on Wednesday, 11/23 and all day 11/24 and 11/25.  In the event of an urgent claim, please see our 24/7 Claims Page.

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