Seasonal Vehicle Coverage

April 8, 2015 at 9:00 AM | Posted in Auto, Camper, Insurance Policy, Motor Home, Motorcycle, Personal Property, RMV, Seasonal, Specialty Policy, Travel Trailer | Leave a comment
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It is that time of year again. The motorcycles, campers, and collector cars and other recreational vehicles are starting to make an appearance now that the weather is better. Here are some insurance reminders before you take them out:

Motorcycles: If you decreased your coverage when you put your motorcycle away last winter, don’t forget to increase coverage before taking a ride. When deciding what coverage to put on your motorcycle, Medical Payments is very important to you and anyone that is on your bike at the time of an accident.

Campers: They can be covered under your auto policy, but you will get much better coverage at a comparable price if you insure your camper on a travel trailer policy. It includes things like towing and roadside assistance, accessory coverage for awnings, etc… and campsite liability if stationary.

Collector Cars: If you have a classic or collector car that is at least 15 years old, you will want to make sure you have collector car insurance coverage. The coverage is designed for the special needs of the car collector. It covers everything your regular auto policy will cover in the event of a loss but the method of determining the value is an agreed value rather than an actual cash value — there is no reduction taken for depreciation. Since a collector or classic car is only driven for a short period of time each year, the premium is usually much lower than a regular auto policy.
Off Road Vehicles: Whether you drive an ATV or a golf cart, you could potentially injure someone or cause property damage. You need coverage that will respond to any situation. Some of the extras on a recreational vehicle policy include: Equipment coverage, helmet and safety apparel, and trailer coverage.

Watercraft: Boats of all sizes and jet skis need the proper coverage as well. Physical damage to the vessel, liability to other boaters, medical payments, and trailer coverage are just some of the coverages available under a watercraft policy.

No matter what your passion is, make sure you and your family are protected with the right coverage before you experience a loss.

Improvements In Store for Registry of Motor Vehicle Customers

November 12, 2014 at 12:43 PM | Posted in RMV | Leave a comment
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In an effort to improve your registry experiences, the Mass DOT has implemented a 10 point promise.

Click on the link below to read about their commitment to their customers.

Proposed Changes to the Registry of Motor Vehicles

July 31, 2013 at 9:16 AM | Posted in Auto, Personal Insurance, RMV | Leave a comment
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If you have visited a Registry of Motor Vehicles office lately, you know the wait times are extremely long. In an effort to reduce wait times, lower costs, and encourage online transactions, the Massachusetts Department of Transportation has developed a proposal to create “Regional Centers” to replace the current branch configuration. Below are the highlights of the proposal:

  • Create “Regional Centers.” Central Massachusetts would have centers in Leominster, Worcester, and Framingham. Northeastern Massachusetts would have centers in Burlington, Haverhill, and Lowell. Southeastern Massachusetts would have centers in New Bedford, Raynham, and Braintree. There would be one in Boston, one on the Cape in Barnstable, one on Nantucket, and one on Martha’s Vineyard.
  • Close branches in South Yarmouth, Fall River, Plymouth, Brockton, Taunton, Attleboro, Roslindale, Revere, Watertown, Danvers, Wilmington, Lawrence, Natick, Milford, Southbridge, Chicopee, Easthampton, and North Adams.
  • Reduce transaction options in branches that can be handled online, by phone, or through insurance agents.
  • Set up online pre-stage models for suspension hearings that would eliminate branch visits for people who are ineligible to receive resolution.
  • Offer more registry services at AAA offices, insurance agencies, dealerships, and unmanned kiosks at various locations.
  • Better utilization of mobile applications for smart phones.

This proposal is being opposed by state legislators and the future of it is uncertain. If it is put into place, it could be years before we see any relief from the long lines.

In the meantime, The Protector Group Insurance Agency will continue to provide Registry runner services free of charge to our customers. We will keep an eye on the Registry changes and adapt as necessary, always keeping our customers’ convenience in mind.

Registry of Motor Vehicles Launches Low Plate Lottery for 2012

June 27, 2012 at 9:00 AM | Posted in Auto, RMV | Leave a comment
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If you have ever wanted a low license plate number, now is your chance!

The Massachusetts Registry of Motor Vehicles has just announced the 2012 Low Plate Lottery. There are 124 low plate numbers that will be included in the lottery. For a list of the plate numbers available and an application, visit

To enter you must:

  • Complete the RMV online application – Note: Only one entry per customer.
  • Postmark your entry no later than August 13, 2012Note: Hand delivered or late entries will not be accepted.

The date of the drawing will be held prior to September 15, 2012 and the results will be posted on the RMV website. The winners will be notified by email.

Call Protector Group at 888-850-9400 if you have additional questions.

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