Contact Us! 978-685-2549

NH Hands Free Law To Go Into Effect July 1, 2015

It’s official: the NH Hands Free Law is going into effect July 1, 2015. This means that as of July 1, 2015, if you drive in NH you must use a bluetooth device when on your cell phone, or risk getting a ticket. Anyone who is pulled over for this offense “shall be fined $100 plus penalty assessment for a first offense, $250 plus penalty assessment for a second offense, and $500 plus penalty assessment for any subsequent offense within a 24-month period.”

Another part of the NH Hands Free Law is that anyone under the age of 18 may not use any cellular device, whether connected via bluetooth or not, while they’re driving, unless they’re reporting an emergency situation via 911.  The NH teen driving laws apply to anyone under 18 who violate this law – meaning they may have their license suspended.

More and more states are cracking down on cell phone usage, citing distracted driving – especially text messaging – as a main cause of accidents.  It is illegal to text while driving in most states, and some states like NH are implementing hands free laws that prohibit talking directly on a cell phone while driving.

In Massachusetts, texting while driving or using your cell phone to access the internet (or Facebook, etc) while driving is illegal, and talking on the phone without a bluetooth device is illegal for drivers under 18 – but adults over the age of 18 are not prohibited from talking on the phone while driving, so this could be an adjustment for MA drivers who drive in NH.

To keep things simple when the NH Hands Free Law goes into effect, just use a bluetooth device if your car isn’t already set up with one – or simply avoid talking on the phone while driving in NH.  And never, ever text and drive!

For more information on the NH Hands Free Law, click here.

Exciting Announcement!!!

For Release Friday, August 1, 2014 Methuen – A.P Michaud Insurance Agency, Inc. is pleased to announce its purchase of the Nancy Greenwood Insurance Agency. All current clients of the Greenwood Agency will be moved to Michaud Insurance Agency’s location of 105 Haverhill Street Methuen, MA just a few doors down from the Greenwood Agency.… Continue Reading

Employment Practices Liability Insurance Explained

Employment Practices Liability Insurance Explained

If you don’t already have Employment Practices Liability Insurance (EPLI) on your Business Owner Insurance Policy, you should.  EPLI can save a small business from financial disaster as 80% of all EPLI claims cost over $25,000 in defense costs and liability damage payments. Employment Practices Liability Insurance Coverage is for claims made against your or your… Continue Reading

Bodily Injury Split Liability Limits – What Does It Actually Mean?

Do you look at the Bodily Injury to Others split liability limits on your personal and commercial automobile insurance policies that read 100,000 per person/300,000 per accident and wonder what that means or think you have $300,000 in bodily injury?  If so you aren’t the only one but are incorrect.  Let me explain why. I need… Continue Reading

Lender-Placed Insurance

Lender-Placed Insurance is forced place insurance that a mortgage company or bank will place on your property if you do not carry the required property insurance on your own, if your policy has lapsed, or they cannot confirm coverage with your agent or insurance company.  Most people who own a home have a mortgage on… Continue Reading

Keeping Insurance Values Up-To-Date

Keeping Insurance Values Up-To-Date We’d like to take a few minutes to discuss the importance of protecting your business and employees by keeping your insurance coverage up-to-date. A Quick Insurance Review Let’s start with some basics about how insurance works.  Insurance protects people and companies against major financial losses that occur because of damage or… Continue Reading

Methuen: 105 Haverhill St, Methuen, MA 01844, (ph)978-685-2549, (f)978-794-0822
Carlisle: In-Home Consultations, Contact Kate - (ph)978-206-1667

Important Notice

Any submissions or payments made via this website do not constitute a binding agreement to your policy or coverages. Changes and payments to policies are not effective or binding until you, or any party involved, receive official notice from either your insurance agent, or your insurance company. If you have any questions, please feel free to contact us.