Massachusetts Licenses To Have New Security Measures & Look

On Tuesday, July 26th, Governor Charlie Baker signed a bill that will bring Massachusetts identification cards up to federal standards. The act, called the Federal REAL ID Act, will ensure Massachusetts cards have the security measures necessary to keep people safe. Starting in the fall of 2017, the Massachusetts RMV will begin issuing new cards. If residents do not update their licenses, they may not be able to enter federal buildings or take domestic flights.

New features of identification cards include:
– Kinegram
– Laser Protection
– Tactile Features
– Laser Write
– Ultraviolet Ink
– Multiple Data Placements
– Barcodes

According to MassDOT, here are some things you should know:

  • Licenses will be phased in over a 5-year span
  • It won’t be mandatory for Massachusetts residents to do anything until their current license expires
  • REAL ID licenses will not be mandatory to board a plane or enter a federal government until October of 2020.

MassDOT states, “The new designs will include new security features better protecting the identity of customers and making Massachusetts one of the states with the most secure and technologically advanced cards in the country.”

Learn more
Gov. Baker Signed Real ID Law To Comply With Federal Standards
Massachusetts Struggles to Comply with Real ID
Who Needs a Massachusetts License?

 

Questions to Ask Before Buying Renters Insurance

Make sure you have proper renters insurance coverage!

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You may or may not be aware that renters insurance covers much more than just your personal belongings! According to the Insurance Information Institute, only 31 percent of renters buy renters insurance. Renters insurance can come in handy if you find yourself legally responsible for someone else while they are visiting your home. Here are some questions to ask to make sure you have sufficient coverage:

  • Do I need additional coverage for some of my items? Valuable items such as furs, firearms, jewelry, silverware and coin collections may not be covered by a standard renters policy. Items like these may need supplemental coverage, which is usually available for your policy.

  • What exactly is covered, and for how much? Typically policies will cover personal belongings including appliances, clothing, electronics, and furniture. Make sure to know the value of all your belongings before choosing your coverage. This is where having a home inventory comes handy.
  • Are my roommates or pets covered? While renters insurance covers both immediately family members and spouses who live in the same household, you can specifically name a person on the policy. Keep in mind the importance of keeping your insurance information up to date. With regards to having a dog, you’ll need to check with us at Cochrane & Porter to discuss the coverage you have.
  • What are ways I can save on renters insurance? If you are looking to save on renters insurance, you should bundle policies together with the same carrier with your homeowners or automobile policy. Another way to reduce costs is by choosing a higher deductible.
  • When exactly am I covered? Insurance usually covers losses incurred from explosions, fire, theft, smoke and water damage from leaky pipes and/or overflows. Usually if your renters policy will cover an incident that happens outside of your home, it will also cover if it happens inside, too. It’s important to note that no matter the loss, you’ll be required to pay the deductible on your renters insurance policy before any coverage kicks in.

Contact us today for any questions you may have or if you would like us to find you a great deal on renters insurance! Partnering with top companies in the industry, it is easy for us to find you a policy well-suited for your needs!

Related links
The Benefits of Having Renters Insurance
National Association of Insurance Commissioners: What You Need To Know About Renter’s Insurance

Teens Inherit Their Parents’ Driving Behavior

driving on phone

As the saying goes, the apple doesn’t fall far from the tree! The truth is, today’s teen drivers learn most of their driving habits from their parents driving. They’ve been observing these habits since they were old enough to sit in a car seat. Whether parents realize it or not, their driving habits are essentially an early form of Driver’s Ed!

The Studies Against Destructive Decisions (S.A.D.D.) have found that children are much more likely to engage in similar driving behavior as their parents as opposed to other teen drivers. While many parents typically tell their children not to text and drive and to always wear a seat belt, studies have shown the most effective approach is to simply lead by example.

A study conducted in 2012 found that 60% of kids in high school stated their driving habits are most influenced by their parents. With 1,700 students being surveys, 88% expressed they’ve seen their parents speed and 59% have witnessed them texting while on the road.  Parents essentially have the ability to mold their children’s driving habits. Whether it is wearing a seat belt, always driving the speed limit, or not texting while driving, parents should try and display their best driving behavior – not only for the safety of themselves, but for their children who are learning from them as well!

Contact us at Cochrane & Porter for any questions you may have, whether it is regarding this topic or a general insurance question! 781-943-1555 or info@cochraneandporter.com.