Dateline: NH

Transcription

Dateline: NH

June, 2006
Dateline: NH
a publication of the New Hampshire Automobile Dealers Association
Meet Your Partners
Lovering to Moynahan
(See pages 5, 10, 16, 20, and 23)
Daniel B. McLeod
Inside this Issue
Youth Labor Laws
page 2
New Law Re: Vehicle Widths
page 2
Inspection Requirements
Concerning Tinted Glass
page 5
Environmental Corner
page 6
Reducing Dealership Energy Costs
page 10
From the NHADA WCT
pages 12-13
Insurance and Small Groups
pages 14-15
Consumer Guaranty Contracts
page 16
From the NHAEF (NH Fares Well
in Automotive Competitions)
page 18
From Your NADA Director
page 20
Safety/OBD II Statistics
page 22
N
o, this is not a
pass play; it is
the formal
“Changing of the Guard”
when Immediate Past
Chairman Rich Lovering
of the Lovering Volvo
dealerships of Concord,
Meredith, and Nashua
and Lovering Mitsubishi
of Concord handed off
the leadership gavel to
Sue McFarland
Moynahan of McFarland
Ford Sales in Exeter on
May 15 at the NHADA
Annual Meeting.
Immediate Past Chairman Rich Lovering is to be commended for his
outstanding service to the dealers of New Hampshire. Through Rich’s
leadership, he was instrumental in dealing with the extremely controversial
and financially burdensome problem of late titles. Rich’s leadership also
extended to a significant change in the NHADA Bylaws where Board members
are elected at-large instead of by specific geographical location. This subtle yet
significant change enhances a democratic governance system for NHADA.
Newly elected Chairwoman Sue McFarland Moynahan is no stranger to
NHADA. She served on the NHADA Workers’ Compensation Trust Board of
Trustees for five years and as Chairwoman of the Trust.
In outlining her goals for the coming year, Sue stated, “Communication is
vital to the success of NHADA. I am extremely proud of what NHADA does for
the membership … It is my primary goal this year for us to do a better job in
spreading the good work to all members, including the new initiatives to assist
us with environmental and licensing requirements as well as the new HR
training! … I would like to see more members get involved in the various
activities and services that are provided by NHADA and its affiliates. On a
political front, our goal is to grow stronger in all facets of our involvement in
www.nhada.com
Annual Meeting - Continued on page 3
Dateline: NH
New Members
2006-2007 NHADA OFFICERS
Chairwoman
Susan McFarland Moynahan
Vice Chairman
Robert Grappone
Treasurer
Donna Hosmer
Secretary
Dan Prior
President
Daniel B. McLeod
2006-2007 NHADA DIRECTORS
Jay Alosa, Heavy-Duty Trucks
Frank Brady
Andy Costello
Kevin Donovan
Paul Gladstone
Robert Grappone
Mark Hesler, Motorcycles
Paul Holloway, Honorary
Scott Holloway
Kevin Kopp
Rich Lovering, Immediate Past Chairman
Larry Phillips, Non-Franchised
Peggy Proko
NADA DIRECTOR
Jack Tulley
This publication is designed to provide accurate
and authoritative information in regard to the
subject matters covered. In publishing this
newsletter, neither the authors nor the publisher are
engaged in rendering legal, accounting, or other
professional services. If legal advice or other expert
assistance is required, the services of a competent
professional should be sought.
Advertisements appearing in
Dateline: NH do not indicate
a specific endorsement by NHADA
of the products or services unless
the NHADA endorsement symbol
appears with the advertisement.
Endorsed by
NHADA
Published monthly at Bow, New Hampshire,
by the New Hampshire Automobile Dealers
Association. Mailing address: P. O. Box 2337,
Concord, NH 03302-2337, 603-224-2369/
800-852-3372.
STAFF
Publisher
Editorial Director
Daniel B. McLeod
Managing Editor/
Louanne Theriault
Design and Layout
Typographers
Louanne Theriault,
Donna Sopper, Lisa Lavoie
Advertising Coordinator
Lisa Lavoie
Photographer
Michael Rosenblum
$450
$275
$200
$150
www.nhada.com
page 2
New England Dealer Resources
1 Scott Lane
Deerfield, NH 03037
Owner: Jeff Nichols
3 Pierce Hill Road
Bennington, NH 03442
Owner: David Baggaley
R&R CYCLES, INC.
Precision Truck Body Equipment Co.
8024 South Willow Street
Manchester, NH 03103
Owner: Reginald A. Ronzello, Jr.
Candia Four Corners
Candia, NH 03034
Owner: David Ellis
G.W.M., INC.
dba Auto-torium
Candia Trailers & Snow
Equipment Co. Inc.
717 Rte. 101A
Merrimack, NH 03054
Owner: Gregory A. Marino
Junctions 43 & 47
Candia, NH 03034
Owner: Jeff Goff
Youth Labor Laws
Do you plan to hire youths during the summer months?
If the answer is yes, make certain you know the federal and New Hampshire
laws pertaining to youth labor. A good refresher can be found at
www.nhada.com. Simply click on Dateline: NH in the Site Map on the left, then
Past Issues, 2005, June, and, finally, Youth Labor in the Table of Contents.
Legislature Votes to Increase Vehicle Width Restrictions
B
arring a veto from the Governor (unknown at press time), the New
Hampshire Legislature voted to approve a minor, but important,
technical change to the statute regulating the maximum width of a
vehicle traveling on a public way. Under the new law, the width of a truck
carrying a snowplow is increased from 102" to 108". This change is
significant, considering that many plow manufacturers are selling larger plow
blades in excess of 102". RV dealers will also be happy to learn that the
Legislature approved width exemptions for certain “non-load appurtenance,”
such as awnings, hardware, and other items that are considered integral parts
of the vehicle.
NHAEF Center for Automotive Education and Training
Upcoming Seminars – REGISTER ON-LINE (www.nhada.com)
June 14
ADVERTISING RATES
Full Page
1/2 Page
1/3 Page
1/6 Page
Innovative Future Concepts
June 27
The Fundamentals of Workers’ Compensation – A-Z Guide to WC
Management and Compliance
Employee Handbooks
Seminar dates are subject to change. Please contact
Brendan Perry or Jean Conlon at 800-852-3372 for additional information.
June, 2006
Dateline: NH
Annual Meeting - Continued from page 1
State government. We continue to forge
positive relationships with our
regulators – the Motor Vehicle
Department, the Banking Department,
the Insurance Department, and the
Attorney General’s Office – and we
recognize that we all have mutual goals
and must work together for success. At
the State House, members of NHADA
have to increase our political
participation and let those decision
makers in Concord understand that we
are significant contributors in our
economy as well as in our communities.
I believe it is our job, as leaders of the
Association, to establish policies and
objectives that meet the demands of the
ever-changing direction of the political
environment and the motor vehicle
industry. In closing, I pledge to do my
best on your behalf.”
June, 2006
The strength of NHADA is in its
leadership, and NHADA is poised for
another strong year with dedicated
and hard-working Directors who are
ready, willing, and able to meet the
business and political challenges in
the automotive industry.
The 2006-2007 NHADA Officers are
as follows:
Chairwoman – Sue McFarland
Moynahan, McFarland Ford Sales
Vice Chairman – Bob Grappone,
Grappone Automotive Group
Secretary – Dan Prior, AutoFair
Group
Treasurer – Donna Hosmer, AutoServ
Family of Dealerships
President – Dan McLeod, NHADA
New to the NHADA Board of
Directors this year are Bob Grappone
from Grappone Automotive Group,
Paul Gladstone from Gladstone Ford,
and Scott Holloway from Coast
Pontiac-Buick-GMC-Cadillac.
The Best Laid Plans of Mice
and Men Go Awry
No matter how carefully your project
is planned, something may still go
wrong with it. The NHADA Annual
Meeting on May 15 certainly has
made this saying, adapted from
Robert Burns, a truism. Over 90
members of NHADA braved a state
of emergency due to flooding and
attended the Annual Meeting at the
Manchester Country Club.
The program included Annual
Reports and future goals of NHADA’s
Annual Meeting - Continued on page 4
page 3
Dateline: NH
Annual Meeting - Continued from page 3
affiliates. Immediate Past Chairman
Dave Allen of Dave Allen LincolnMercury presented the NHADA
Workers’ Compensation Trust Annual
Report; Chairman Ken Plante
presented Annual Reports of both the
Products and Insurance Divisions of
NHAD Services, Inc.; and President
Scott Orlosk presented the Annual
Report and conducted the Annual
Meeting of the New Hampshire
Automotive Education Foundation,
which included the elections of Larry
Foss of Foss Motors and Foss Motors
Chevrolet as the incoming NHAEF
President and new Director Mark
Tulley of Tulley Buick-Pontiac.
I had the pleasure of presenting two
special awards at the Annual Meeting.
The first-ever NHADA “Hero” award
was given to Larry Foss for his
outstanding service in his Katrina’s
Kids effort, which distributed over
4,000 toys at Christmas time to
children who were hurricane victims
in the Louisiana and Mississippi
areas. The Katrina’s Kids Holiday
Express was a complete vertical
integration from idea to collection to
actual delivery. Much credit is given
to an excellent dealer for this wellearned award.
NHADA Director of Communications
Louanne Theriault was also
recognized for her outstanding service
to NHADA. Louanne has served
NHADA for over 27 years and,
actually, came to us right out of
Plymouth State College. She began as
Secretary to the President and, for the
past several years, has served as
Director of Communications, whose
primary responsibilities include
managing editor/design and layout of
Dateline: NH, content coordinator
and maintenance of NHADA’s Web
site, and Convention and Meetings
coordinator. “I have been very lucky
at NHADA, and it is without a doubt
that Louanne has been a tremendous
help to me. As a matter of fact, I am
convinced NHADA flows through her
blood.”
Guest speaker Ross Gittell, James R.
Carter Professor at the University of
New Hampshire’s Whittimore School
of Business and Economics, made a
presentation entitled, “The New
Hampshire Economic Outlook:
Opportunities and Challenges
Looking Forward.” It was
abundantly clear that, while the New
Hampshire economy for automobile
dealers is slow, New Hampshire’s
economy fares significantly better
than that of our neighbors in Maine,
Massachusetts, and Vermont and that
our total unemployment rate is at
4.2 percent, and our median income
ranks sixth in the nation. According
to Professor Gittell, there are positive
economic indicators happening in
New Hampshire, such as high-tech
and manufacturing jobs coming back
to the state.
The Annual Meeting was immediately
followed by a wonderful luncheon
where attendees were treated to an
extremely interesting and moving
presentation by former NBA player
Walter Bond, entitled “No One Can
Stop You, But You!”
P 603-742-4878 ~ C 603-438-4878 ~ normawillard@comcast.net
7 Lakeview Drive, Dover NH 03820
page 4
June, 2006
Dateline: NH
Inspection
Requirements
Concerning
Tinted Glass
F&I Resources
Meet
~ Bronze ~
Daniel B. McLeod
W
ith summer coming and
bright sunshine, members
must be fully aware of our
New Hampshire Safety Inspection
requirements concerning “tinted
glass.” Below is the relevant section of
rules involving after market tinted
glass. Note that if you inspect vehicles
with “after market tinting,” you must
have a tint meter.
Your Partners
F&I Resources provides F&I training, a
full line of products, including GE
VSC’s, Allstate GAP, Credit Insurance,
Simoniz, and reinsurance. For more
information, call Jason Bayko at
508-624-4344 or visit their Web site at
www.firesources.com.
PART Saf-C 2502
Tinted Glass Prohibition
Saf-C 2501.01 “After market
tinting” means any window tinting
applied to the windshield or windows
to the left or right of the driver after
original manufacture of the motor
vehicle.
Saf-C 2502.01 Tinted Glass
Prohibition. Pursuant to
RSA 266:58-a, no motor vehicle
registered in New Hampshire shall
be driven on any way in New
Hampshire, sold or inspected which
has after market tinting on the
windshield or windows to the left
or right of the driver.
Jason Bayko
has after market tinting on the windshield or windows to the left or right of
the driver unless the driver displays a permit granting a tinted glass medical
waiver.
Saf-C 3205.04 Tools and Equipment.
(b) The following tools and equipment shall be required:
(7) Tint meter if the station chooses to inspect vehicles with tinted glass;
Saf-C 2502.02 Tinted Glass
Exception. Pursuant to RSA 266:58-a,
a strip of after market tinting shall
not be prohibited, as long as the strip:
(a) Is not wider than 6 inches; and
(b) Has a light transmittance of not
less than 35 percent.
Saf-C 2505.02 Inspection of Motor
Vehicle. An inspection station shall
not inspect any motor vehicle which
June, 2006
page 5
Dateline: NH
Some Important Facts About Ethanol
Environmental Corner
Dan Bennett, NHADA Environmental Specialist
B
y now, we should all have heard of, and are awaiting the arrival of,
ethanol in our gasoline supplies (see February 2006 Dateline: NH).
Despite the fact that the rule requiring the phase-out of MTBE does
not kick in until January 1, 2007, most suppliers of fuel to New Hampshire
distributors will already be supplying ethanol by mid-summer. Ethanol
containing gasoline, in the form of E-10, a blend of gasoline and 10 percent
ethanol, will mostly be found in Hillsborough, Merrimack, Rockingham, and
Strafford Counties. Some suppliers, however, will make no distinction and will
be supplying ethanol-added gasoline statewide.
NHADA’s Environmental
Specialist Dan Bennett
Receives Certification
C
ongratulations to NHADA
Environmental Specialist Dan Bennett
who has achieved the official
certification designation of Registered
Environmental Manager. This professional certification has been
conferred by the National Registry of Environmental Professionals (NREP).
To be officially credentialed by NREP, an individual must undergo a
comprehensive background check and provide detailed documentation
of his/her environmental education and training, plus, provide proof of
a specific number of years of satisfactory environmental work
experience. Next, the exam candidate must pass a comprehensive
written examination covering laws and industry standards dealing with
methods and technology for proper environmental compliance and
systems control.
The National Registry of Environmental Professionals is one of the
world’s major accredited, nonprofit, non-member, independent, global
certification organizations with operations in Europe and Asia as well
as the U.S. NREP is recognized by the U.S. Environmental Protection
Agency, U.S. Department of Energy, U.S. Department of Defense,
National Park Service, U.S. Forest Service, U.S. Postal Service, and
many state agencies.
Please feel free to contact Dan at 800-852-3372 or at
dbennett@nhada.com for environmental-related questions and
concerns.
With this changeover to ethanol, it is
important that we understand the
ramifications and impacts it may
have on our operations and vehicles.
This article will highlight two issues:
functionality and storage tanks.
Functionality:
Most vehicles, as well as tools that
have been manufactured since 1980,
should not have a problem running
on E-10 gasoline and were designed
to be compatible with it at this level.
Equipment and vehicles (especially
vintage) may or may not be
compatible; and the manufacturer or
owner’s manual should be referred to,
or contacted, prior to using for
advice. A common problem in older
vehicles is that the hoses, filters, as
well as gaskets and seals, may soften
over time causing malfunctions.
There should be no noticeable
difference in vehicle and tool
operation and functionality to most
of us; however, there may be a slight
(1 percent to 4 percent) decrease in
fuel economy. Due to elevated fuel
costs and recent closer consumer
scrutiny to fuel economy, this should
be made aware to all staff in order to
be ready to answer any consumer
questions, as should the compatibility
issue.
Storage Tanks:
Whether you have your own fuel
storage tank on-site for vehicles or use
the local filling station, there are
issues related to the ethanol
conversion of which all employees,
especially those in the service
department, should be made aware.
Ethanol - Continued on page 8
page 6
June, 2006
Dateline: NH
The NE Dodge Dealers
are proud sponsors of the
New Hampshire Automobile
Dealers Association.
June, 2006
page 7
Dateline: NH
Ethanol - Continued from page 6
Despite being blended with gasoline,
ethanol can serve as a solvent and
may loosen and dissolve materials
that are found in a storage tank (such
as wall coatings or bottom sludge).
Clogged fuel lines and pump filters
from the recently loosened suspended
solids would be the most common
problems.
If a facility (either your own or the
one you use) does not take the
following very important steps prior
to receiving its first shipment of
ethanol-blended gasoline, the above
problems are more likely to occur.
They are:
• Thoroughly empty and clean the
storage tank.
• Install pump filters that can handle
and remove an increased level of
particulate matter as well as frequent
monitoring and changing of the
filters.
The supplier of the product may be
able to assist with both of these and
should be asked for assistance.
As previously mentioned, ethanol is
incompatible with certain materials
(especially, those used before 1980)
and can either not properly function
or speed the breakdown of certain
items, such as rubber urethane
elastomers, zinc-galvanized metals,
and certain seals. Facility and tank
owners should take certain steps
before receiving the first shipment of
gasoline blended with ethanol. The
most important things to do are:
contamination is a necessity prior to
using the tank to store an ethanolblended gasoline.
• Check with the tank and pump
manufacturer, tank liner
manufacturer, and the tank service
company to ensure that the tank and
its components are compatible with
an ethanol-blended gasoline.
The New Hampshire Department of
Environmental Services (NHDES) can
offer assistance and information with
the switch from MTBE to ethanol. A
wealth of information can be found
at www.des.state.nh.us.
Ethanol has a natural attraction to
water that will cause it to attach itself
to the water and separate from the
gasoline. Before adding blended
gasoline to a tank system, the water
level should be checked. It is very
important that any and all water
present in a tank system be removed
and its source be located and
remedied. Fixing any source of water
NHADA, as always, stands ready to
offer assistance with this and any
other environmental-related issue that
may arise by contacting me at
dbennett@nhada.com or at
800-852-3372.
Prior to ethanol becoming an
everyday occurrence and
institutionalized in our daily lives, it
makes sense that we take a few
simple steps to ensure a flawless
transition, show a bit of due diligence
to minimize any problems, as well as
stay ahead of the curve and use it to
our advantage.
Downey & Company, LLP
Certified Public Accountants
– Representing over 80 dealerships throughout New England –
“A CPA firm that understands dealership management, accounting, and tax issues”
In today’s complex automotive business environment, it pays to engage a CPA firm
that has specialized its practice to service your industry.
Timely filed tax returns
Computerized LIFO calculations
Tax-planning strategies
Estate and succession planning
Operational and accounting reviews
Management consulting
For more information, please visit our web site at www.downeycocpa.com,
or call Paul McGovern or James Downey at 800-849-6022.
page 8
June, 2006
Dateline: NH
Call today.
1-800-236-4147
We offer specialized products
and services for independent
auto dealers.
With more than 50 years of specialized
experience, Zurich can provide you
with the tailored policies and programs
to help meet the needs of your dealership.
We offer knowledgeable sales professionals
to provide personal attention and dedicated
underwriters and claims specialists to service
your account. Because of our experience,
our customers can feel protected.
What if your insurance
company understood your
dealership as well as you do?
www.zurichna.com
SM
®
June, 2006
page 9
Dateline: NH
Reducing Dealership
Energy Costs
W
ouldn’t it be worth your
while to do a little research
and, perhaps, save a lot of
money for your dealership?
Let’s examine energy costs, for
instance. Dealerships conduct most of
their activities during normal
“business hours,” which coincide with
the times when the demand on the
electric utility grid is at its highest.
During these periods, utilities may
impose demand charges on electric
bills. Demand charges are fees
imposed by the utility based on a
facility’s highest electrical demand, or
peak kilowatt (kW).
Many utilities actively seek ways to
reduce demand and increase their
reliability without adding new power
plants or new electric lines. Where
permitted, electric utilities may
continue to increase demand charges.
Alternatively, they may price
electricity used at certain times
differently relative to market
conditions. For example, during lowdemand periods, electricity will be
priced very economically, whereas
electricity offered during highdemand periods will be much more
expensive. These pricing programs
reward customers with low or offpeak demand with low electricity
costs, while encouraging highdemand customers to lower or shift
their peak demand.
Overall, demand charges can
contribute significantly to operational
costs, especially, in areas prone to
electrical capacity shortages.
Fortunately, there are opportunities
for dealerships to lower their demand
for electricity, including:
page 10
Meet
Bellwether Community
Credit Union
“Indirect Lending Specialist”
Your Partners
~ Bronze ~
Bellwether, a risk-based lender, provides
specialized indirect lending for used/
new car dealerships. For more
information, please contact Barbara at
603-645-8173 or visit Bellwether’s Web
site at www.bccu.org/dealerdirect.
Barbara Lussier
VP/Business Development
• Energy efficiency upgrades that permanently reduce electrical loads.
• Scheduling equipment usage, such as setting cooling units to pre-cool and
take advantage of a building’s thermal mass during peak billing periods.
• Building automation and direct digital controllers with energy management
features that automatically adjust equipment operation to flatten peak
demand.
• Thermal storage (ice) to offset cooling in areas of extreme peak electricity
charges.
Local electric utilities may offer programs specifically aimed at reducing the
electrical demand of small and mid-sized businesses. These programs may
include incentives, equipment, or management practices that could help
reduce a dealership’s demand and save money.
Opportunities and programs to reduce demand are detailed throughout NADA
Management Guide BM31, A Dealer Guide to Energy Star®: Putting Energy
Into Profits, which is the source of the above excerpt. You may order this
publication and other useful resources by calling 800-252-NADA, ext. 2, or by
visiting NADA’s on-line catalog at www.nada.org/mecatalog.
June, 2006
Dateline: NH
June, 2006
page 11
Dateline: NH
Claims Corner
Increase Next Year’s
Rebate By Saying
No To Disability
Pete Sheffer, NHADA WCT Claims Manager
I
n this age of spiraling Workers’
Compensation costs, we all must
take advantage of every
opportunity to control the costs
associated with Workers’
Compensation. Returning people to
work promptly after a work-related
injury is the single most effective way
to control Workers’ Compensation
costs.
Several studies in the U.S. and
Canada have found that the longer
an employee is out of work, the less
likely the individual is to return to
work. If an employee is out of work
six months or longer, that employee
has a 50 percent chance of returning
to work. An employee out of work
over one year has a 0-5 percent
chance of returning to work.
invested time and money in hiring,
training, and retaining their
employees. It makes financial sense to
protect that investment after an
injury occurs by assisting the
employee to return to work. In
addition, the less money that is paid
out on the claim, the less impact that
claim will have on the employer’s
experience modification factor and
the more money that will be returned
in the rebate at the end of the year.
There is no question that getting
employees back to work is in
everyone’s best interest. Here are some
tips on temporary alternative duty.
Before the Injury Occurs:
• Implement a policy and procedure
for TAD return to work. Share the
policy with employees. Make sure
employees understand the TAD
process.
• Create TAD job descriptions or
check-off lists of TAD jobs.
• The Safety Committee and/or
NHADA WCT Rehabilitation
Specialist, Bernie Hecht, can help.
After the Injury Occurs:
Employees who have returned to
work in a light-duty capacity have
the greatest chance of a successful
return to full-time, full-duty work.
• Call the NHADA WCT Nurse Case
Manager, Marta Robbins, RN, to get
assistance with an appropriate innetwork physician referral.
Not only is providing temporary
alternative duty (TAD) the best thing
to do for the employee and the
employer, it is required by the New
Hampshire Workers’ Compensation
Statute (RSA 281-A: 23a) and is a
condition of the NHADA WCT
agreement.
• File the Employer’s First Report of
Injury on the date of injury – no more
than five days after.
Many employers feel that providing
TAD is a financial hardship.
Employers who feel that way fail to
see the big picture. Employers have
page 12
• The employee must bring the NH
WC Medical Form from the physician
after each appointment. Questions
regarding the employee’s work
capacity should be referred to Rehab
Specialist Bernie Hecht.
• Remain in contact with your
employee.
After the Employee Returns to Work:
• Remind employees to return from
each doctor’s appointment with a NH
WC Medical Form. Please forward a
copy via fax to the NHADA WCT.
• Monitor employees on TAD daily.
• Make certain that the employee is
not exceeding his/her restrictions.
• Make Bernie aware of any potential
problems or obstacles to employment.
• Bernie will communicate with the
physician to facilitate return to fullduty work.
• Employees should keep you abreast
of upcoming doctors’ appointments/
PT appointments.
• Reminder: all medical
appointments, including physical
therapy, should be scheduled prior to,
or following, the workday; NHADA is
not responsible for payment of lost
time to attend those appointments.
But It Was Workers’
Comp . . . Why Are
They Billing Me?
J. Marta Robbins, RN, BSN
NHADA WCT Nurse Case Manager
T
he above is a common
question we hear in the
Workers’ Compensation Trust
department here at NHADA. The
answer is typically quite simple:
either the providers don’t know who
to send the bills to, or they don’t take
the time to find out where to send
them.
Most are aware that if you are injured
on the job and are seen by a medical
provider, whether the claim is
Billing - Continued on page 13
June, 2006
Dateline: NH
Billing - Continued from page 12
accepted or denied, the bills will be
sent directly to the Workers’
Compensation carrier. Well, this
would be a perfect world.
Unfortunately, there are so many
carriers out there that the providers
don’t always know where to direct the
billing. The typical scenario we see is
the provider bills the patient, the
patient receives the bill, and the
patient throws it away as he or she
thinks, “Workers’ Comp will pay it.”
Yes and no. We cannot pay what we
cannot see; and if a patient has
received a bill, it typically means the
provider doesn’t know about us. The
worst case is when we never get the
bill and are unable to track it down,
and the provider sends the bill to a
collections agency.
So how do we prevent this spiraling
of bills into the “circular file”?
• When an injured worker has already
touched base with our office for
assistance with referral for treatment
and is ready to leave for the doctor’s
office or the hospital, take a few
seconds to write down our name
and number for the injured worker
to take along – NHADA WCT –
800-852-3372. Then, when they
present and check in for treatment,
the office has the correct carrier
information and a phone number to
obtain additional information.
• Advise an employee who has had a
work injury that if he or she ever
receives a bill, to forward it over to
our attention so we can follow-up on
its processing.
• When presenting for treatment, the
injured worker should always share
his or her “backup health insurance
information”; this ensures that if
there is ever a problem with a bill not
being for a work-related reason, the
June, 2006
provider has the necessary information to bill the worker’s personal health
insurance.
• When in doubt about a bill – if we have ever received it, if it has been paid,
if it’s been denied – please don’t hesitate to contact us.
For more information regarding the billing process for a Workers’
Compensation claim, please contact me at mrobbins@nhada.com or at
800-852-3372.
Compliance Corner
The Health of Your Drivers
Brian Duplessis, CSP, NHADA WCT Loss Prevention Coordinator
O
ur members have a number of employees who spend a vast amount of
time on the road; and, unfortunately, there has been an alarming
trend in severe claims resulting from motor vehicle incidents. Whether
they are parts, shuttle, or swap drivers, they face considerable risks every time
they get behind the wheel.
Exacerbating these risks are underlying health problems with many drivers.
Certain illnesses, such as diabetes or prior injuries to the affected areas, can
greatly increase the severity of a motor vehicle accident. Resulting claims have
been very expensive due to high medical costs and slow return-to-work rates.
From a Loss Prevention standpoint, there are several important areas that can
protect members from the impact of this type of Workers’ Compensation
claim; all of them are addressed in our new Strategic Hiring Guidelines.
Pre-placement screening and effective documentation of any prior conditions
on the Second Injury Fund form are important tools. Before allowing a person
to operate a company vehicle, members should be diligent and perform a
health screening that ensures the individual is fit to drive the time and
distances the job mandates.
Also, be sure that current drivers do not pose a health risk to themselves or
others. For example, having diabetes would not preclude someone from
working as a driver. If, however, a driver has diabetes, it is imperative that the
individual is taking steps to control the condition. Uncontrolled diabetes is a
ticking time bomb and is grounds for removing someone from driving a
company vehicle. DOT regulations, for instance, specifically address this
situation and require trucking companies to remove such people from the road.
The bottom line is that members must balance the need for drivers with the
need to ensure that they are not creating excessive risk with individuals not fit
for the job.
For more information on pre-placement screenings, drug testing, job
descriptions, etc., or for details on the Strategic Hiring Program, please contact
any member of the WCT Loss Prevention staff at 800-852-3372.
page 13
Dateline: NH
Come One, Come All!
Susan Manning
T
his is an article geared toward
members with 50 or fewer
employees, which, in health
insurance law, are our small group
members. There are many. Over the
last 20 years, I have witnessed
Association membership growing and
expanding to include an abundance
of small service shops, wholesalers,
individual used-car facilities, and
other auto-related businesses that
may have a handful of employees or
none at all.
As I have spoken to the owners of
some of these businesses, I have
discovered that there often is a
general assumption that, because of
their group size, they do not qualify
for “group” employee benefits. In
fact, that is not the case; and I have
listed the requirements below:
Group Medical Insurance/Anthem:
If your business fits into the Standard
Industry Code (SIC) requirements of
an auto-related business, even if you
have no employees, you and your
family will qualify to enroll in the
group medical benefits through
NHADA and Anthem. A business that
employs a staff will have to meet
minimum participation requirements.
As an example, a business with three
on staff would be able to enroll if two
of the employees chose to enroll and
one employee was covered through
his or her spouse’s group health plan.
Dental Insurance/Northeast Delta Dental:
Again, if your company has no
employees, you and you family still
qualify for coverage. For companies
with employees, 60 percent of the
full-time staff not covered by spouses’
group dental insurance will be
required to enroll to participate in the
program.
Life Insurance/Anthem Life:
A business owner with no employees
will still qualify for the term life
benefit options. The participation
requirement for these groups depends
on the entity paying the coverage. If
the employer pays for the premium,
100 percent of the full-time
employees must enroll. If the
employee pays any portion of the
premium, 75 percent of the full-time
staff must be enrolled. No Evidence
of Insurability is required for any
employee at initial enrollment up to a
requested $100,000 benefit.
Short-term Disability/Anthem Life:
This weekly paycheck protection
product is offered to groups as small
page 14
June, 2006
Dateline: NH
as 2 on staff. All employees must
enroll if the company has 2-4
employees, and there is a sliding scale
up to 11 on staff, beyond which
60 percent of full-time employees
must enroll. Groups with 6 employees
or more will be eligible for coverage
without having to prove insurability.
However, groups with fewer than 6
employees enrolled will always need
to complete Evidence of Insurability
and may be denied coverage.
You might also take a moment to consider whether you know of another small
business that might qualify for Association membership and some of these
benefits and services.
For more in-depth information regarding all group employee benefits offered
through NHADA, please contact me at 800-852-3372 or at
smanning@nhada.com.
“Government’s view of the economy could be summed up in
a few short phrases: If it moves, tax it. If it keeps moving,
regulate it. And if it stops moving, subsidize it.”
– Ronald Reagan
Vision Coverage/Vision Service Plan:
Vision coverage is available at any
size group and is rated in two
formats. The Vision I monthly
premium requires all those enrolling
in medical insurance to enroll in the
Vision Plan. The Vision II rate has no
participation requirement. Any
employee within a company may
enroll.
All of NHADA’s employee benefit
options stand alone. They need not be
chosen at the group insurance renewal
in February. Enrollment may occur
the first of any month during the
year. During the group insurance
renewal period, it is sometimes
difficult to take the time to consider
some of these additional group
products. Please understand that
when your workload is a bit slower
and you do have the time to consider
insurance products, you will qualify
to enroll in those products at that
time.
Our small groups are an important
part of our member base. We work
hard to offer them benefits and
services that they may not be able to
easily obtain outside of the
membership. If you are a small group
Association member, take advantage
of being part of a group that will
make these benefits available to you.
June, 2006
page 15
Dateline: NH
Editor’s Note: As a reminder of what
can go wrong in our business, below is
a recent article from the New Jersey
Coalition of Automobile Retailers.
To help alleviate the risk of doing
business with a company that sells
service contracts (in New Hampshire,
we call these Consumer Guaranty
Contracts), check with the New
Hampshire Insurance Department,
271-2261, and make certain your
dealership’s service contracts are
properly registered under the
Department’s Consumer Guaranty
Contracts.)
Florida-Based
Warranty Company
Goes Bankrupt
Exotic Warranty Company Sold Service
Agreements in New Jersey
I
t has recently come to NJ CAR’s
attention that Exotic Warranty
Company, a Florida-based
company that had sold motor vehicle
service agreements in New Jersey, was
ordered into receivership for purposes
of liquidation.
According to the company’s records,
they may have sold warranties to New
Jersey residents. In addition to the
Exotic name, the company may have
sold warranties under other corporate
names, including Fidelity Worldwide
Corporation, Florida National
Underwriting, and Annapurna
Holdings, Inc. If your dealership has
done business with any of the abovelisted warranty companies, you
should contact Mike Connolly,
Estate Management Analyst,
at 850-413-4532 or at
Michael.connolly@fldfs.com.
page 16
Meet
GM and GMAC
~ Bronze ~
Your Partners
General Motors Corp. (NYSE:GM), the world’s largest automaker, has
been the global industry sales leader since 1931. Founded in 1908, GM
today employs approximately 324,000 around the world. It has
manufacturing operations in 32 countries, and its vehicles are sold in
200 countries. In 2005, the year marked GM’s second largest in history
in terms of sales volume. GM sold 9.2 million vehicles worldwide and
increased sales in three of the four business regions. More information on
GM can be found at www.gm.com, or please contact Pam Hughes, State
Dealer Relations, at 313-667-8890 or at pam.hughes@gm.com.
GMAC Financial Services includes automotive financing, commercial
finance, insurance and mortgage products, and real estate services. With
a presence in 41 nations, GMAC, a wholly owned subsidiary of General
Motors since 1919, offering a wide variety of financing plans available
to consumers through franchised General Motors dealers, has extended
more than $1.3 trillion in credit to finance upwards of 158 million
vehicles. Feel free to contact Richard S. Brown, Sales Purchase Branch
Manager, at GMAC SPB New Hampshire/Vermont Br#534, office:
603-628-6542; cell: 603-315-7947; e-mail: richard.3.brown@gm.com.
Additional information regarding Exotic, the receivership process, and a copy
of the Order appointing the Florida Department of Financial Services as
Receiver of The Exotic Warranty Company, for purposes of liquidation,
injunction, and notice of automatic stay, may be found at
www.floridainsurancereceiver.org under the heading, “Companies in
Receivership.”
It Is Not Too Soon to Plan for Flu Season
Jean Conlon
For the past several years, there have been shortages of the influenza vaccine. The vaccines
are expensive, and they have a short shelf life. Health providers who purchase the vaccines
do not want to order more than they need. Therefore, the numbers ordered from the drug
manufacturers are frequently conservative.
Since these health providers will be ordering their supplies from the drug manufacturers in
the near future, we suggest that you immediately contact the health provider that you do
business with to confirm your company’s participation in a flu vaccination clinic this fall.
While this is not a guarantee, since the viability of the vaccines produced is beyond
everyone’s control, your company will be in a much better position to receive the vaccines if
you make a commitment to a health-care provider in advance.
If you have any questions, please contact me by telephone at 800-852-3372 or by e-mail at
jconlon@nhada.com.
June, 2006
Dateline: NH
www.aane.com
“Creating Liquidity in the
Automobile Marketplace
June, 2006
Every Thursday 9:30AM Londonderry, NH
General Manager
Dave Blake
• Six Lanes 1,200+ Vehicles
• Fleet/Lease 275+ Vehicles
• End of Sale Prizes!
Operations Manager
Rob Ross
Controller
Linda Griffin
Office Manager
Joanne Comeau
Safety & Compliance Manager
Sal Morando
Transportation Manager
Barry Kelley
Auto Auction of New England
Director Fleet/Lease
Bill Hoover
Conveniently Located at Exit 4, Rt. 93
8 Action Blvd., Londonderry, NH 03053
10 min. south of Manchester, NH
Tel: (603) 437-5700 Fax: (603) 437-5800
Director Dealer Relations
Jim How
Dealer Relations
Katie Karl
Michele Pierog
Quality Auction Member
Dealer Registration
Donna Olsen
• Transportation • Full Recondition • Service Dept. • Guaranteed Checks and Titles
page 17
Dateline: NH
NH Team Takes 2nd in
NY Auto Competition
Dynamic Duo of Bond and Fletcher Prove
Too Tough for the Competition
Brendan Perry
Brendan Perry
M
T
ascenic’s Automotive Career
Center’s team of Joseph
Bond and Devan Fletcher
walked away with second-place
honors at the National Automotive
Technology Competition in New York
City on April 19. Working on a 2006
Honda Accord, the young men
successfully outpaced 36 other
national competitors to earn the
second-place trophy. The Greater
Milwaukee Automobile Dealers
Association took first.
Devan and Joe, along with their
instructor, Vincent Fittante, was
sponsored by NHADA and Honda
dealers Peggy Proko of Peters
Automotive Group and Bill Fenton of
Honda of Keene. Both Devan and Joe
are planning to attend the New
Hampshire Community Technical
College in Nashua in the fall.
Leading up to the Competition, the
students spent countless hours after
school working on diagnostics and
mechanic repairs. By the time the
Competition rolled around, their
instructor considered both students
experts on the vehicle; and their
amazing finish proved just that. The
list of awards includes over $100,000
in scholarship money, toolboxes, a
diagnostic scan tool, and several
Snap-On hand tools.
Joe Bond was treated to a surprise as
his mother, grandmother, and great
grandmother showed up the day of
the awards ceremony to see him hoist
the second-place trophy. It was the
first time either student had visited
New York and will certainly leave a
lasting impression.
page 18
he Ford/AAA automotive competition has long been the crown jewel of
automotive technology competitions in New Hampshire. At stake are
thousands of dollars in scholarships at various postsecondary
institutions, hundreds of dollars in hand tools and electronic scanning
equipment, toolboxes, and trophies. Perhaps the most sought-after prize is the
all-expense-paid trip to Detroit, Michigan, and a chance to compete against
the best in the country.
This year’s event challenged ten teams from across the state to debug and
repair a 2006 Ford Escape in the shortest amount of time with the fewest
demerits. Each team is provided identical vehicles and tools and allotted 90
minutes to repair or replace items, such as a serpentine belt, starter relay,
vacuum elbow, and camshaft sensor. Once the team is confident they have
completed all the necessary repairs, the vehicle is driven to the final judging
area where it is inspected and scored. Even a perfect vehicle in record time
doesn’t guarantee a top score. Judges watch over each station, marking
demerits for any team that forgets to replace a cover or fails to wear their
seatbelts during the drive out.
In addition to the hands-on technical competencies, students are also required
to take a written examination that is factored into the final score. Students are
tested in a number of ASE competencies, such as AC and heating, steering and
suspension, brakes, and electronics.
This year’s winning team of Joseph Bond and Devan Fletcher from Mascenic
Automotive Career Center of New Ipswich each received $4,000 scholarships to
any Ford ASSET program in the country and tools from NAPA, Snap-On,
Craftsman, and OTC. Finishing second was the team of Aaron Wysocki and
Ashton Cotton of Somersworth High School and Regional Vocational Center,
and finishing third were Tyler Nicol and Steve Purcell from Concord Regional
Technology Center.
The win by Bond and Fletcher was the second impressive finish by the
dynamic duo, as they placed second nationally at the Greater New York
Automotive Technology Competition in April (see article on left). NHADA
dealers will be glad to know that both students plan to use their numerous
thousands in scholarship money to pursue an automotive technology degree at
the New Hampshire Community Technical College in Nashua. The New
Hampshire Automotive Education Foundation has awarded each student
$3,000 scholarships for their efforts.
SAVE THE DATE – SEPTEMBER 8, 2006
NHADA Annual Golf Tournament
Lochmere Country Club • Tilton, New Hampshire
June, 2006
Dateline: NH
Automotive Experience
Since 1975
“I’ve worked with Shepherd
Are You Looking for
More Than Just OK?
25 years, and I am constantly
All accountants talk about their good service, but sometimes that’s all
it is, just talk. At S&G, we put our money where our mouth is! We
provide excellent service to our clients, day in and day out, guaranteed!
impressed with their attention
Our 2005 Client Survey Results
and Goldstein for over
to detail and excellent
customer service. I have
complete trust in their abilities
and I depend on their services
to help my dealership thrive
1. Timely Service
2. Personal Attention
3. Technical Expertise
4.6
4.6
4.5
Ratings are based on a scale of 1–5, with 5 being the best possible score.
Call our Managing Partner, Terence Shepherd today
at (508) 757-3311 and explore the possibilities.
and prosper. They are the
Automotive Specialists!”
— Paul Gladstone, Gladstone Ford
(508) 757-3311 www.sgllp.com
Offices in WORCESTER, MA • WEST YARMOUTH, MA
FRAMINGHAM, MA • HOPEDALE, MA
-ORE"UYERSs-ORE3ELLERS
%XPANDED3ERVICES
%VERY7EDNESDAY
#ONTACT4OM-UNSONAT
%AST7INDSOR#4sWWWSAACOMs%STABLISHED
June, 2006
page 19
Dateline: NH
From Your NADA
Director
Meet
Tire Warehouse
~ Bronze ~
Your Partners
Jack Tulley
Make Government
Affairs Your Business
O
ne of the best ways to help
your own business, and the
industry in general, is to talk
to your representatives in Congress
when legislation that affects dealers is
about to come up for a vote.
The Senate plans to vote on
permanent repeal of the estate tax in
June. (Though the tax has been
phased out through 2011, it will be
reinstated if Congress does not
permanently outlaw it.) The estate
tax issue is a vital one for dealers:
92 percent of new-vehicle dealerships
are family owned and operated, and
many dealers plan to pass their
businesses down to their children. But
the estate tax – or death tax – can
place a heavy financial burden on
dealerships. A dealer usually cannot
sell a part of his or her business for
quick cash. Often, he or she must
invest in expensive life insurance to
have enough liquidity to pay the tax.
NADA’s Legislative Office continues to
meet with Senators and their staffs,
following up on contacts made by
NADA Directors during the
Government Relations Committee
meeting at the end of March. But
page 20
(L-R) Steve McGrath, Andy Titus, and Bobby Shlosser
Tire Warehouse is a New
Hampshire-based corporation,
selling tires, wheels, auto parts,
and accessories, in over 50
locations throughout New
England. For more
information, please call
603-352-4478 and ask to
speak to Bobby Shlosser,
ext. 1715, or Andy Titus,
ext. 1720. You can also contact
them at www.tirewarehouse.net.
you, too, should call your Senators today at 202-224-3121 to urge them to
vote for repeal. For more information, please contact NADA’s Legislative Office
at 800-563-1556.
NADA’s other recent legislative efforts:
• NADA’s Government Relations Committee met in Washington in late March
to discuss with members of Congress, including Rep. Bill Shuster (R-Pa.),
Sen. Richard Burr (R-N.C.), and Rep. Lynn Westmoreland (R-Ga.), other top
legislative priorities, including the pending national credit-freeze bill and
NADA’s push for insurance companies to disclose the VINs of total-loss vehicles
in a publicly accessible database.
• Congress should create a federal database to track the estimated 600,000
vehicles damaged by Hurricane Katrina to prevent them from being sold to
unsuspecting consumers. That’s what David Regan, NADA Vice President of
Legislative Affairs, told a U.S. House of Representatives Subcommittee in
March.
Greater transparency: “All states should carry forward prior brands
when issuing new titles. States should brand registrations as well as titles.”
NADA - Continued on page 22
June, 2006
Dateline: NH
June, 2006
page 21
Dateline: NH
NADA - Continued from page 20
Safety/OBD II Inspections Statistics
Safety
Inspection
Results
Total *
Passed
Corrected
Rejected
Untested
Apr 06
% of
Total
YTD 06
% of
Total
107,004
86,088
16,970
3,939
7
100.00%
80.50%
15.90%
3.70%
0.00%
404,419
321,243
66,987
16,167
22
100.00%
79.40%
16.60%
4.00%
0.00%
83,187
70,622
10,688
1,877
100.00%
84.90%
12.80%
2.30%
320,472
267,011
46,124
7,337
100.00%
83.30%
14.40%
2.30%
OBD II
Inspection
Results
(1996 and newer)
Total
Passed
Rejected
Untested
* Total numbers include OBD II Inspections
Statistics provided by Gordon-Darby
More timeliness: “The
insurance companies should disclose
total-loss data at the time the totalloss payout occurs. Also, state DMVs
should work with the private sector to
push title data into the public
domain faster.”
Better use of technology:
“DMVs should make title data
commercially available on a daily
basis to the information industry,
[which] has the technology to
dramatically enhance public
disclosure of insurance company
information about total-loss vehicles
and salvage auction sales data.”
The combination of electronic access
to total-loss data and faster access to
DMV data will enable consumers and
dealers to fight motor vehicle fraud.
• NADA Chief Legislative Counsel
Robert Braziel told a House Energy
NADA - Continued on page 23
page 22
June, 2006
Dateline: NH
NADA - Continued from page 22
and Commerce Committee
Subcommittee last fall that a bill
(H.R. 2048) that would give the
Federal Trade Commission the
authority to make rules governing the
flow of vehicle service, training, and
tool information is unnecessary.
Braziel testified that automakers
already make needed information
readily available to aftermarket
service providers as well as franchised
dealers, and the bill could encourage
private lawsuits against automakers
under state laws and compromise
intellectual property rights.
Meet
Sovereign Bank
~ Bronze ~
Your Partners
With over $7 billion in automotive-related financing commitments,
Sovereign Bank is now one of the largest providers of indirect auto lending
and floor planning in the Northeast. For more information, please contact
Richard Anderson, Market Manager, at 617-757-5587 or at
randerso@sovereignbank.com.
Rep. Lynn Westmoreland (R-Ga.) is
leading the NADA-backed effort to
derail further federal government
control over the automotive repair
industry. The bill is being pushed at
the behest of large parts distributors –
not service providers, who oppose
additional federal government
involvement in the industry.
The “Northern New England
Automotive Team”
(L-R) Lou Fernandes, Richard DeFreitas,
Raymond LeFrancois, George Bonney, Kyle
Bourque, Peter Kelly, Steve Delaney, Mark
Flibotte, John Marchand, Elizabeth Donovan
As always, feel free to contact me at
888-0550 or at jack@tulley.com.
As endorsed by NHADA, Hilb Rogal & Hobbs is pleased to offer:
Dealer Bonds Program
HRH Northern New England
Formerly The Dunlap Corporation
1-800-464-1203 · www.hrh.com
For more information about obtaining your dealer bond, please contact:
Colleen Rioux, CPIW Bond Department
June, 2006
page 23
Dateline: NH
2006 ASSOCIA
TION PAR
TNERS
SSOCIATION
ARTNERS
SIL
VER (CONT.)
SILVER
Thank
you
(as of 5-25-06)
BR
ONZE (CONT.)
BRONZE
F&I RESOURCES
G W MARKETING SERVICES
GLOBAL PAYMENTS
GM AND GMAC
HRH NORTHERN NEW ENGLAND
HUNTER ENG. CO./LAPPENS AUTO SUPPLY
JEWETT CONSTRUCTION CO., INC.
JM&A GROUP
JOBSINNH.COM
MORGAN STANLEY (ALAN SCALINGI)
BRONZE
NANCY PHILLIPS ASSOCIATES, INC.
ADP - DEALER SERVICES
NEW ENGLAND INVESTMENT & RETIREMENT GROUP
AFTERMARKET SPECIALISTS/ROYAL ADMIN.
NORTHEAST AUTO AUCTION, INC.
AHC, CORP.
PROTECTIVE
ALBIN, RANDALL & BENNETT
RATH, YOUNG AND PIGNATELLI, P.A.
ALLTEX UNIFORM RENTAL SERVICE
RESOURCES MANAGEMENT INSURANCE AGENCY
ANTHEM SPECIALTY
ROBBINS AUTO PARTS, INC.
ARMORED TIRE USA
SANEL AUTO PARTS CO.
AUTO AUCTION OF NEW ENGLAND
SEACOAST MEDIA GROUP
@UTOREVENUE
SOVEREIGN BANK
AUTOTRADER.COM
TD BANKNORTH, N.A.
BELLWETHER COMMUNITY CREDIT UNION
TIRE WAREHOUSE
BG PRODUCTS/WAREHOUSE DISTRIBUTORS OF N.E. TYLER, SIMMS & ST. SAUVEUR, CPAS, P.C.
CREDIT UNION DIRECT LENDING
To become a Partner, call Louanne – 800-852-3372.
DOWNEY & COMPANY, LLP, CPAS
LACONIA SAVINGS BANK
MANHEIM’S AMERICAN AUTO AUCTION
NEW ENGLAND CHRYSLER-JEEP DAA
NORTHEAST DELTA DENTAL
O’CONNOR & DREW, P.C. &
OCD CONSULTING, LLC
SOUTHERN AUTO AUCTION
ST. MARY’S BANK
WINDWARD PETROLEUM/EXXON MOBIL
PL
ATINUM
PLA
N.E. DODGE DAA
UNIVERSAL UNDERWRITERS GROUP
WMUR-TV/NEW HAMPSHIRE
GOLD
CITIZENS BANK
UNION LEADER CORPORATION
WIGGIN & NOURIE, P.A.
SIL
VER
SILVER
ADESA BOSTON
AMERICAN FIDELITY ASSURANCE COMPANY
ANTHEM BLUE CROSS AND BLUE SHIELD
DEVINE MILLIMET
ENTERPRISE RENT-A-CAR
New Hampshire Department of Safety, Division of Motor Vehicles
Title Statistics Report Month Ending: 4/30/06
*Increased numbers
due to backlog catch-up
April
06 YTD
05YTD
Titles Issued for New and Demo Vehicles:
Titles Issued for Used Vehicles:
TOTAL TITLES ISSUED:
11,045
20,706
31,751
49,905*
114,201
164,106
35,825
75,687
111,512
Titles Issued with a Lien:
Titles Issued with no Lien:
13,980
17,771
66,685
97,421
47,489
64,023
Salvage Titles Issued:
Salvage Tags Issued:
725
313
3,837
1,133
2,906
1,143
Titles Issued for Heavy Trucks More than 15 Years Old:
Titles Issued for Heavy Trucks 15 Years Old or Less:
Titles Issued for Trailers:
Titles Issued for Motorcycles:
Titles Issued for Motor Homes:
66
261
1,227
2,533
131
235
1,093
4,199
5,687
423
149
699
2,279
2,284
262
page 24
June, 2006

Dateline: NH

Transcription

Similar documents

All Warthog sewer tools are sold through StoneAge authorized

Dateline: NH

File - New Hampshire Construction Career Days

Dateline: NH

Dateline: NH

IT`S YOUR PROGRAM! OUR GUARANTEE TO YOU: TruServ

Dateline: NH

Dateline: NH

Dateline: NH W Passage of SB153: A Bittersweet Victory

December 2006 Dateline: NH

Dateline: NH

Arturówek wypieknieje (July 2009) [Polish]

Dateline: NH

Dateline: NH, April 2012

Summer 2015 - Kestrel Land Trust