Pickup Trucks and Commercial Auto Rating
Question Pickup Trucks and Commercial Auto Rating This question was answered based upon current rules, regulations & statutes in effect on April 15, 2021 In your experience, have you ever seen a Pickup Truck rated as a Private Passenger Auto on a Commercial Auto Policy? In my experience, I have only seen sedans, SUVs and…
Moped Question
Question Moped Question This question was answered based upon current rules, regulations & statutes in effect on April 15, 2021 We have an insured who wants to purchase a moped that does not have the ability to go more than 30MPH. He is advising that he has friends in college who drive mopeds around without…
Deceased Owner and Registration Renewal
Question Deceased Owner and Registration Renewal This question was answered based upon current rules, regulations & statutes in effect on April 16, 2021 We have a client, now deceased whose car is in probate. Once it clears probate, her son plans to sell it. However, he’d like to use it for the next couple of…
Grub Hub
Question Grub Hub This question was answered based upon current rules, regulations & statutes in effect on April 15, 2021 Good Afternoon I’m guessing it is up to the specific company…but are there any issues with clients working, part time, for Grub Hub? I’m assuming Class 30? I also don’t know if there is an…
FEMA Issues Timeline for All-New NFIP Flood Risk Rating System
FEMA Issues Timeline for All-New NFIP Flood Risk Rating System FEMA has been working on Risk Rating 2.0, a complete overhaul of the NFIP flood risk rating pricing methodology that has not been updated in 50 years. And now we know when Risk Rating 2.0 will go live: October 1, 2021 for new business and…
Answers to Your Questions about Reassigning PAN Plates
Answers to Your Questions about Reassigning PAN Plates After last week’s MassAgent story about the Registry now allowing red PAN plates to be transferred from one person to another, MAIA’s received questions from member agents asking about fees, who could transfer to whom, and more. MAIA Member Relations Advocate Kathy Cormier followed up with the…
Driver With Suspended License and Claim
Question Driver with Suspended License and Claims This question was answered based upon current rules, regulations & statutes in effect on March 25, 2021 I’m looking for some advice on a couple of things regarding MA auto. Let me first say that I’m not looking for coverage determination, purely just how MAIA would look at…
Driver With Suspended License and Claim
Question Driver with Suspended License and Claims This question was answered based upon current rules, regulations & statutes in effect on March 25, 2021 I’m looking for some advice on a couple of things regarding MA auto. Let me first say that I’m not looking for coverage determination, purely just how MAIA would look at…
Auto Coverage
Question Auto Coverage This question was answered based upon current rules, regulations & statutes in effect on March 31, 2021 Why do premiums change when drivers are deleted and or added(deferred) to an auto policy. Usually increases when drivers are deleted. Can someone explain the factors that causes this to happen. We need to know…
Auto Coverage
Question Auto Coverage This question was answered based upon current rules, regulations & statutes in effect on March 31, 2021 Why do premiums change when drivers are deleted and or added(deferred) to an auto policy. Usually increases when drivers are deleted. Can someone explain the factors that causes this to happen. We need to know…
Out of State RV Purchase
Question Out of State RV Purchase This question was answered based upon current rules, regulations & statutes in effect on April 1, 2021 We have an insured who purchased an RV in Florida… it has yet to be registered. They came up on a Temp plate, did not use their existing plate as a transfer. …
MAP and Disabled Minor
Question MAP and Disabled Minor This question was answered based upon current rules, regulations & statutes in effect on April 9, 2021 Good Morning, We have a Customer, The vehicle that need to go in the name of a 12 year old Handicapped girl so I need to put application and title in her name…
Claim Against Amazon Truck
Question Claim Against Amazon Truck This question was answered based upon current rules, regulations & statutes in effect on May 11, 2021 I have a situation that I need help with. One of my customers had an accident with an Amazon truck. My insured was driving down the main road and the Amazon truck came out…
15 Passenger Van and the MAP
Question 15 Passenger Van and the MAP This question was answered based upon current rules, regulations & statutes in effect on March 31, 2021 Hope you are doing well and staying sane! It’s been a while since I’ve gone through the MA PAP. Where is it specified that there is coverage for BI, PD and…
15 Passenger Van and the MAP
Question 15 Passenger Van and the MAP This question was answered based upon current rules, regulations & statutes in effect on March 31, 2021 Hope you are doing well and staying sane! It’s been a while since I’ve gone through the MA PAP. Where is it specified that there is coverage for BI, PD and…
CARVANA Question 2
Question CARVANA Question 2 This question was answered based upon current rules, regulations & statutes in effect on April 7, 2021 Our agency has read your tech talk regarding the Carvana issue in MA. As an agency we will not stamp an RTA for any vehicle purchase unless the back of the title is signed…
Registration in Name of Partnership
Question Registration in Name of Partnership This question was answered based upon current rules, regulations & statutes in effect on April 8, 2021 I have a question – we have a client coming into MA from NH. He is looking to register/insure his NH Auto now to MA… currently in NH the vehicle is titled…
Lease Vehicle Buy Out
Question Lease Vehicle Buy Out This question was answered based upon current rules, regulations & statutes in effect on April 5, 2021 My customer bought out her lease and the leasing company said she can keep the same plate. Under the RTA would this be Register & Title a Vehicle? Answer Irene Morrill: There is nothing…
FEMA Issues Timeline for All-New NFIP Flood Risk Rating System
FEMA Issues Timeline for All-New NFIP Flood Risk Rating System FEMA has been working on Risk Rating 2.0, a complete overhaul of the NFIP flood risk rating pricing methodology that has not been updated in 50 years. And now we know when Risk Rating 2.0 will go live: October 1, 2021 for new business and…
Insurance Without Registration
Question Insurance Without Registration This question was answered based upon current rules, regulations & statutes in effect on April 5, 2021 Can a vehicle be on a MA Commercial Policy if the vehicle does not have a MA Registration? Answer Irene Morrill: There is nothing in the policy that says it has to be registered…
Trailer Used by Non-Owner and Physical Damage
Question Trailer Used by Non-Owner and Physical Damage This question was answered based upon current rules, regulations & statutes in effect on March 25, 2021 A son registers a trailer in his name and adds collision and comp coverage. The father has a pickup (different policy) pulls the trailer; I know the liability follows from…
FEMA Issues Timeline for All-New NFIP Flood Risk Rating System
FEMA Issues Timeline for All-New NFIP Flood Risk Rating System We’ve known that FEMA was overhauling the NFIP flood risk rating pricing methodology, which has not been updated in 50 years. And now we know when Risk Rating 2.0 will go live: October 1, 2021 for new business and eligible renewals! Read More From FEMA…
FEMA Issues Timeline for All-New NFIP Flood Risk Rating System
FEMA Issues Timeline for All-New NFIP Flood Risk Rating System We’ve known that FEMA was overhauling the NFIP flood risk rating pricing methodology, which has not been updated in 50 years. And now we know when Risk Rating 2.0 will go live: October 1, 2021 for new business and eligible renewals! Read More From FEMA…
Back Date A Plate Cancellation
Question Back Date A Plate Cancellation This question was answered based upon current rules, regulations & statutes in effect on March 15, 2021 I was hoping you could help me with this transaction. One of our insured asked us to cancel a plate back in 10/2020. Somehow that request was missed and it was…
FEMA Issues Timeline for All-New NFIP Flood Risk Rating System
FEMA Issues Timeline for All-New NFIP Flood Risk Rating System Content Html: New ContentHtml We’ve known that FEMA was overhauling the NFIP flood risk rating pricing methodology, which has not been updated in 50 years. And now we know when Risk Rating 2.0 will go live: October 1, 2021 for new business and eligible renewals!…
FEMA Issues Timeline for All-New NFIP Flood Risk Rating System
FEMA Issues Timeline for All-New NFIP Flood Risk Rating System Content Html: New ContentHtml We’ve known that FEMA was overhauling the NFIP flood risk rating pricing methodology, which has not been updated in 50 years. And now we know when Risk Rating 2.0 will go live: October 1, 2021 for new business and eligible renewals!…
2A & LPR Requirements
Question 2A & LPR Requirements This question was answered based upon current rules, regulations & statutes in effect on March 23, 2021 Good morning, we recently had an agency reject our 2A & LPR to cancel a new client’s former auto & home policies that we have written. Prior agent would not accept the signed…
Recycle Metal Plates
Question Recycle Metal Plates This question was answered based upon current rules, regulations & statutes in effect on March 24, 2021 I hope all is well. At this point when an insured brings in their metal plate for cancellation we cut then in half with tin snips and place them in a locked dumpster. Are…
Registration Cancellation
Question Registration Cancellation This question was answered based upon current rules, regulations & statutes in effect on March 24, 2021 I had a customer swap CON plate to PAN plate for his 2019 Silverado I just went in and cancelled the CON plate but now the registration status shows cancelled in the registry and I’m having…
CARVANA
Question CARVANA This question was answered based upon current rules, regulations & statutes in effect on February 10, 2021 Hope you’re doing well! We’ve seen a few requests from CARVANA lately at our agency. CARVANA will not send the hard title and says that the RMV in Mass will accept an electronic version. Do you…
ACV on Total Loss
Question ACV on Total Loss This question was answered based upon current rules, regulations & statutes in effect on March 16, 2021 Would the below statement be value about AVC on a total loss? Thanks Thank you for your response and I would be glad to address your concerns. Our office was closed yesterday which is…
Boston Districts
Question Boston Districts This question was answered based upon current rules, regulations & statutes in effect on March 17, 2021 Do you know if there is an actual map that draws the lines for property rating territories in Boston (ie Disctrict A,B,C, all other). Carriers publish the street boundaries. Wondering if there is a map…
Homeowners – Tools and Equipment Coverage
Question Homeowners This question was answered based upon current rules, regulations & statutes in effect on March 18, 2021 I have an insured with a United Property and Casualty policy. They called to say the husband has $150K worth of “welding” tools and equipment that he has acquire over his lifetime; in his detached garage. He…
Replacement Cost Estimator
Question Replacement Cost Estimator This question was answered based upon current rules, regulations & statutes in effect on March 18, 2021 I thought I remembered hearing in one of your classes that we should not be releasing replacement cost estimators to lenders or even to the insured’s. Am I correct? If I am what…
WC New Business Incentive Plan EXTENDED through July!
WC New Business Incentive Plan EXTENDED through July! Spring is here, and MAIA’s Number One Agency wants to put more “green” in your pocket by extending our incentive for Workers’ Comp new business! The plan has been such a success that we’ve decided to continue it through July 31st. So keep that business coming. Help…
Commercial Trailer Registration and MA BAP
Question Commercial Trailer Registration & MA BAP This question was answered based upon current rules, regulations & statutes in effect on March 12, 2021 I’m hoping one of you can help me with something I’ve come across. We have a PL client for whom I am quoting the CL trucking business. He currently has…
Named Insured Non-Spouse Situation
Named Insurance Non-Spouse Situation This question was answered based upon current rules, regulations & statutes in effect on March 12, 2021 I’m not sure if you are the right person to email about this so I apologize ahead of time if you are not…. Our agency is looking to get clarification on where the state…
Cancel Plate Registration
Question Cancel Plate After Vehicle Sold This question was answered based upon current rules, regulations & statutes in effect on March 8, 2021 I am trying to turn in plates in my office for a customer. The vehicle has been given to her nephew who has already registered the vehicle. When I go to turn…
Boat Claim – Wind vs. Collision
Question Boat Claim – Wind vs. Collision This question was answered based upon current rules, regulations & statutes in effect on March 5, 2021 We have a claim denial on a boat claim that I think should be covered. The boat is NOT insured on a boat policy. The only coverage (physical damage) coverage that…