Changes Coming for Vehicle Valuation & MSRP Data Access via RMV
Changes Coming for Vehicle Valuation & MSRP Data Access via RMV The RMV’s current operational system (ALARS) provides insurance companies and agents access to Vehicle Valuation and Manufacturer’s Suggested Retail Price (MSRP) data from the National Dealers Association (NADA) via a screen and guest function. However, when the RMV completes its transition to ATLAS Release…
Rental Car Loss Of Use
Rental Car Loss Of Use QUESTION This question was answered based upon current rules, regulations & statutes in effect on July 19, 2019
Lease Buyout
Lease Buyout QUESTION This question was answered based upon current rules, regulations & statutes in effect on July 24, 2019 Hope all is well. If someone buys out their lease in MA, are they subject to sales tax when they re-register? Client advised she had already paid sales tax on the original transaction. Thanks
Several Personal Umbrella Carriers to Implement Major Changes
Several Personal Umbrella Carriers to Implement Major Changes
Handicap Placard
Handicap Placard QUESTION This question was answered based upon current rules, regulations & statutes in effect on July 25, 2019 One of my insured has a handicap placard At present he owns a car, but he is going to turn in his drivers license and turn his car over to his wife The family can…
Staffing News at MAIA & Number One Agency
Staffing News at MAIA & Number One Agency When MAIA’s Education Program Coordinator Emily Oliver announced that she’d be retiring from MAIA after 31 years, we were happy for her, sad to be losing a beloved colleague, and worried about replacing such an experienced and knowledgeable team member! As it turned out, the solution was…
Client Passed and We Did Not Know
Client Passed and We Did Not Know QUESTION This question was answered based upon current rules, regulations & statutes in effect on July 25, 2019 I was under the impression that you had to have a valid license to register/insured a car in your own name. I have a policy that is just ready to…
Sales Tax Penalties and Interest
Sales Tax Penalties and Interest QUESTION This question was answered based upon current rules, regulations & statutes in effect on March 28, 2019 I was hoping you could help on this One of our insured’s had purchased a 1956 Triumph in pieces back in 1982 which he has restored/re-built … the vehicle was untitled to…
New Auto Policy/Suspended License
New Auto Policy/Suspended License QUESTION This question was answered based upon current rules, regulations & statutes in effect on July 23, 2019 Quick Question: If someone has a suspended license can they register and insure a vehicle? I know that for insurance they would have to list a licensed driver but would the registry accept…
Cancellation of Auto Policy
Cancellation of Auto Policy QUESTION This question was answered based upon current rules, regulations & statutes in effect on July 23, 2019 We received a printed and signed narrative from an insured requesting the cancellation of his auto policy (see attached). Something in my fading memory bank makes me think that this could be an…
Registered Auto Body & Glass Repair Shops as of 7/25/19
Registered Auto Body & Glass Repair Shops as of 7/25/19 The Automobile insurers Bureau (AIB) recently posted updated lists of registered auto body and glass repair shops by county, which were provided by the Massachusetts Division of Standards. AIB displays the lists of auto body repair shops in compliance with the Insurance Commissioner’s Regulation, 211…
Too Many Flood Carriers? Roll Over to The Hartford!
Too Many Flood Carriers? Roll Over to The Hartford! If you’ve considered rolling over your flood book to one carrier, look no further than WYO Flood with The Hartford! Easy online quoting, policy downloads, and 20% new business commission for the first year! Yes! But that’s not all The Hartford offers:
Registration is Open for MAIA’s Big Event 2019
Registration is Open for MAIA’s Big Event 2019 MAIA’s Big Event Conference & Trade Fair is happening from October 31–November 3, 2019, at the Marriott Boston Copley Plaza! It’s the year’s biggest and best gathering of the MA independent insurance agency community, and it’s just 12 weeks away. We’re looking ahead while going BACK TO THE…
Applications Open for New Striped Bass License Plates
Applications Open for New Striped Bass License Plates The Division of Marine Fisheries (DMF) and MA Environmental Trust (MET) are collecting applications for the new Striped Bass Conservation specialty passenger plate. Once they receive enough orders (at least 750), they’ll deliver the orders to the Registry of Motor Vehicles and the plates will be printed.…
Brand Resources to Amplify Your Agency Marketing
Brand Resources to Amplify Your Agency Marketing Yet another advantage of being a member of MAIA and the Big “I” is that you have access to fantastic brand resources designed to make you and your agency look good. And the best part? Many are free or reimbursable! Through Trusted Choice®, the Big “I” marketing arm,…
BAP and Non-scheduled Plates
BAP and Non-scheduled Plates QUESTION This question was answered based upon current rules, regulations & statutes in effect on July 17, 2019 Does a MA Transporter Plate need to be scheduled on a BAP like a Dealer Plate or a Repair Plate?
Garaging
Garaging QUESTION This question was answered based upon current rules, regulations & statutes in effect on July 19, 2019 I am looking to get information about garaging on Ma auto policy. Is it written anywhere in a MA auto policy that it is an insured’s responsibility to inform the carrier of a garaging change for…
Substitute Transportation
Substitute Transportation QUESTION This question was answered based upon current rules, regulations & statutes in effect on July 19, 2019 I need to have a question answered. On the MA auto policy, from all I have learned in 15 years as an agent, your coverage follows you. If an insured is driving another persons auto…
Moped
Moped QUESTION This question was answered based upon current rules, regulations & statutes in effect on July 19, 2019 I wanted to check into seeing if MAIP has the ability to insure a 49CC moped for a client that is looking to see if he can insure it. Thank you in advance for any guidance…
Slide on Camper
Slide on Camper QUESTION This question was answered based upon current rules, regulations & statutes in effect on June 24, 2019 So sorry to bother you! We have a customer with a “camper” that does not have any wheels, there was not a title issued to it & it is not self propelled: it slides…
A New Way to Get LPLI Business from Your Lawyer Clients
A New Way to Get LPLI Business from Your Lawyer Clients Many agents insure lawyer clients for auto, home, or business — but NOT for professional liability. That’s a missed opportunity! Luckily, MAIA’s Number One Insurance Agency can give you the “foot in the door” you need to approach your clients about quoting their LPLI…
Dog Claim
Dog Claim QUESTION This question was answered based upon current rules, regulations & statutes in effect on July 01, 2019 If a dog owned by an insured chews the seat belt, is this covered under the MA Auto Policy? Thank you!
Waiver of Deductible and Limited Collision Coverages – Just How Do They Work? Personal or Commercial Auto
Waiver of Deductible and Limited Collision Coverages – Just How Do They Work? Personal or Commercial Auto By Irene Morrill, CPCU, CIC, ARM, CRM, LIA, CRIS, CPIW — VP of Technical Affairs, MAIA
Auto Rental
Auto Rental QUESTION This question was answered based upon current rules, regulations & statutes in effect on July 09, 2019 It’s that time of year again & “is a car I rent covered for physical damage & liability, the same as my vehicles listed on my policy” is being asked. While we always state, BUY…
Trailers and Business Use
Trailers and Business Use QUESTION This question was answered based upon current rules, regulations & statutes in effect on July 11, 2019 We have a strange question. We have someone who has a boat trailer. It is 4000 lbs. They tow it with their business vehicle. The business vehicle is the only vehicle they have…
Updated Company Auto Insurance Filings – July 2019
Updated Company Auto Insurance Filings – July 2019
Reckless Driving Violation Surcharge Points Increase
Reckless Driving Violation Surcharge Points Increase MAIA and all Carriers have received the following notice from the Merit Rating Bureau regarding increases to the surcharge points applied to reckless driving violations under two ATLAS violation codes. The changes may have implications for your insureds who have these violations on their record.
CAR Deems Multiple Changes to Rules of Operation Effective July 23
CAR Deems Multiple Changes to Rules of Operation Effective July 23 Commonwealth Automobile Reinsurers (CAR) issued two recent Bulletins (No. 1083 and No. 1084) announcing that 16 amendments to the Rules of Operation have been deemed approved, effective July 23, 2019, and one proposed amendment was disapproved.
Ignition Interlock Device (IID) and Insurance
Ignition Interlock Device (IID) and Insurance QUESTION This question was answered based upon current rules, regulations & statutes in effect on July 08, 2019 I have a question in regards to handling OUI drivers, the registry and auto insurance. My insured has suspended license. She will need a breathalyzer in her car per court. She…
MAIA’s Bold New Ad Campaign is Live
MAIA’s Bold New Ad Campaign is Live UPDATE: New Ad Campaign is Generating Buzz!MAIA’s 2019 consumer ad campaign has been running on Facebook, Instagram, Pandora, Hulu, and other digital channels for several weeks, targeting potential MA insurance seekers with bold, edgy ads promoting the value of local independent insurance agents. THANK YOU to all who…
Auto Ins. PAP vs. Comml
Auto Ins. PAP vs. Comml QUESTION This question was answered based upon current rules, regulations & statutes in effect on July 11, 2019 I recently (two months ago) wrote a new personal auto policy for an acquaintance who handed me the expiring declarations when he asked me to write his insurance. He is a 68…
Let Number One Help You Cover YOUR Home Plate!
Let Number One Help You Cover YOUR Home Plate! Summer’s here — no better time to team up with Number One. Let us cover all your agency’s bases with top-quality coverage options like these:
Rental Coverage and Kids
Rental Coverage and Kids QUESTION This question was answered based upon current rules, regulations & statutes in effect on July 12, 2019 We have had this question several times recently and get different answers from different companies. So thought I’d ask you. Mom & Dad have mass auto w/ Collision & Comp, 250/500k liab etc. …
WCRIBMA Special Bulletin: Residual Market Loss Ratio and Burden Estimate 07-19
WCRIBMA Special Bulletin: Residual Market Loss Ratio and Burden Estimate 07-19 The MA Workers’ Compensation Rating and Inspection Bureau (WCRIBMA) released Special Bulletin 07-19, Residual Market Loss Ratio and Burden Estimate.
Lawful Presence – Valid Length of Stay
Lawful Presence – Valid Length of Stay To be eligible to obtain a driver’s license or ID card, a customer who is a non-U.S. citizen must have been granted lawful presence in the U.S. for at least 12 months (a valid length of stay).
Auto Pollution Liability
Auto Pollution Liability QUESTION This question was answered based upon current rules, regulations & statutes in effect on July 15, 2019 I have a question regarding pollution liability. We just took over an auto policy for a client that is a portable bathroom rental company. I noticed that the current policy did not have any…
Donated Vehicle and Requirements for Use
Donated Vehicle and Requirements for Use QUESTION This question was answered based upon current rules, regulations & statutes in effect on May 10, 2019 Good Morning Irene, I have a unique situation, one of our nonprofits received a 2009 Ford F450 as a gift. The vehicle is presently being retrofitted at the vocational school (we have an inland…
Help Your Home Business Clients Weather the Storm
Help Your Home Business Clients Weather the Storm Anyone who’s turned on the news in recent months has seen reports of severe weather events occurring around the country. Inland floods and mudslides, windstorms, and fire are becoming more frequent and severe and unfortunately, many who experience them lack valuable coverage. That’s where you come in.…
MAIA Registry Procedures Manual July 2019 Updates
MAIA Registry Procedures Manual July 2019 Updates As many of you know, MAIA produces a wonderful resource to help agencies navigate the complex world of the MA RMV: The Registry Procedures Manual. Available by subscription and updated twice a year, the comprehensive digital manual puts the ever-changing rules, regulations, and forms from the MA RMV…