PIP Procedures
*This question was answered based on current rules, regulations & statutes in effect as of November 2023. Question I have had two clients in the past few months: They went with a third party on rear-end collisions. Both were determined to not be 0 % at fault – the third-party company accepted full liability Each…
Maine Registered Trailers
*This question was answered based on current rules, regulations & statutes in effect as of November 2023. Question Can you tell me the scoop on businesses registering their trailers in Maine when we have the trucks registered and insured in Massachusetts? This is coming up more often than I like to see. When they register…
Passenger Injury While In a TNC Vehicle
*This question was answered based on current rules, regulations & statutes in effect as of November 2023. Question We have an insured whose son doesn’t’ drive, so they use LYFT. Her question is, if they don’t have proper coverage and her son is injured, what do they need to do? The insured (parents of the…
Compulsory Limits Bill – We Need Your Help!
MAIA is asking for your help in advancing our priority legislation this session: SB606/HB1006, “An Act relative to the compulsory automobile insurance limits,” filed by Senator Brendan Crighton and Rep. Michael Finn. The bill would increase the compulsory bodily injury limit for injury or death to one person from $20,000 to $50,000 and the limit…
Out-of-State Resident Temporary Plates – WIN for MAIA Members!
Last year, the Commonwealth enacted legislation allowing the RMV to issue temporary license plates to out-of-state consumers who purchase a vehicle in Massachusetts and want to drive their new car off the lot and to their home state for registration. MAIA successfully lobbied to include a provision in that legislation requiring out-of-state consumers to comply…
RTA and Personal Information
*This question was answered based on current rules, regulations & statutes in effect as of October 2023. Question I hope all is well in your corner of the insurance universe!! We have been advised long ago by our IT/Security firm that MA Privacy Laws prohibit the emailing of driver’s licenses as well as other data.…
Glass Coverage
*This question was answered based on current rules, regulations & statutes in effect as of October 2023. Question Do you know if MA Auto Carriers are required to offer full glass coverage under comprehensive coverage, or can they just offer glass coverage with a deductible? Answer Laura Poulin: According to MA’s cracked windshield law, insurers…
WC Cert and 30-Day Notice to Cancel
*This question was answered based on current rules, regulations & statutes in effect as of October 2023. Question I have an insured who has a client requesting to be listed on the insured’s Workers Comp Certificate of Insurance and requested the certificate include a 30-day Notice of Cancellation to the 3rd party. I have not…
Recognitions and Awards Given at MAIA’s 2023 Annual Meeting
The following individuals were honored during MAIA’s Annual Meeting: Distinguished Service Awards: David J. McCormick, CPCU, CIC, Benjamin Cavallo, CIC, AAI, CISR and Gregory Knight. MAIA’s Board Charperson’s Award: Lisa Hirbour, CIC, CPCU Chair Award: John Fallon III, CIC James O. Herrick, Jr. Memorial Young Agent of the Year: Rebecca Smith, CISR, CCLP, CIC Henry F.…
Collision Coverage – If Hit by a Stolen Vehicle
*This question was answered based on current rules, regulations & statutes in effect as of October 2023. Question We had a prospect come into our office to insure his car. He said recently his car was hit while parked by a car that was stolen and involved in a police chase. He has collision, but…
Trailer Claim
*This question was answered based on current rules, regulations & statutes in effect as of October 2023. Question Auto – our insured (commercial policy) lent a trailer to his friend. His friend was in an accident. Hanover asked us to put in a claim under our insured’s policy. I “assume” because the driver’s vehicle insurance…
Trailers and Commercial Vehicles
*This question was answered based on current rules, regulations & statutes in effect as of October 2023. Question I wanted to check with you regarding trailers being pulled with a commercial vehicle. I have been under the understanding that if a trailer is being pulled with a commercial vehicle, it should be listed on that…
Rental Coverage
*This question was answered based on current rules, regulations & statutes in effect as of August 2023. Question Today, I had an underwriter tell me that the Mass Auto Policy (liability, collision, comp) does not extend to a rental vehicle. However, my understanding is that the coverage you carry on your Auto Policy will extend…
Rebating
*This question was answered based on current rules, regulations & statutes in effect as of July 2023. Question Good afternoon; I have a hypothetical. Can a licensed Insurance Agent or Producer accept Gift cards from Glass Companies? If yes, is there a limit on the gift card that an agent or producer can accept? Thank…
Non-Profit and Liability for Employee’s Auto
*This question was answered based on current rules, regulations & statutes in effect as of July 2023. Question My question is this – if a non-profit corporation carries symbols 7 & 8 on an MA Auto coverage form, will liability coverage respond to an accident in a vehicle rented by an employee or volunteer for…
Announcing a New MAIA Program and a Participating Agency’s Grand Opening
We are pleased to announce a new program at MAIA! For the past six months, we have been piloting MAIA’s Agency Launch Program, a development opportunity for new agencies. Agency Launch is a two-year commitment between MAIA and the new agency designed to expose the principal agent and select staff to resources and necessary education…
2023 MAIA Annual Meeting Announcement
NOTICE TO THE MEMBERS OF THE MASSACHUSETTS ASSOCIATION OF INSURANCE AGENTS OF THE 2023 ANNUAL MEETING. In accordance with Article XI, Section 1 of the bylaws, notice is hereby given to the members of the Massachusetts Association of Insurance Agents, Inc., that the Annual Meeting of the Association will be held on Friday, November 3,…
BAP Pollution Claim – Covered or Not?
September 25, 2023 Written By: Irene Morrill, CPCU, CIC, ARM, CRM, CRIS, MLIS, LIA, CPIW – Vice President of Technical Affairs, MAIA Convention is getting closer…November 2-5 at the Westin Boston Seaport, Boston, MA. As usual, there is a myriad of seminars and things to do! My Friday and Saturday classes are one-hour seminars based…