Corporation Name Change
Corporation Name Change QUESTION This question was answered based upon current rules, regulations & statutes in effect on November 8, 2018 One of our clients, (a corporation) is changing its name. Only the name. The FID will be the same, the officers are the same, etc….What form(s) would we use to change the registrations and…
2016 MAP Contractual Liability
2016 MAP Contractual Liability QUESTION This question was answered based upon current rules, regulations & statutes in effect on November 9, 2018 2016 PAP exclusion for part 5 with regards to contractual liability. Does this exclude optional BI for the insured anytime a contract is signed? Commerce had explained it to me this way but…
Voluntary License Surrender
Voluntary License Surrender QUESTION This question was answered based upon current rules, regulations & statutes in effect on November 9, 2018 Not sure if you are the person to ask, but we have an elderly insured who is surrendering their license but is wondering if the RMV automatically sends a MA ID card or do…
Food Delivery and the MAP
Food Delivery and the MAP QUESTION This question was answered based upon current rules, regulations & statutes in effect on November 10, 2018 One of our personal auto policy customers has a vehicle that is used in their employment as a Chinese food delivery person. Is there coverage if there is a loss while the…
7 Day Law
7 Day Law QUESTION This question was answered based upon current rules, regulations & statutes in effect on August 7, 2018 I have an insured who’s vehicle was a total loss.. just recently signed over the title to the insurance carrier and insurance has the vehicle now they want to transfer those plates to another…
Dealer Plate
Dealer Plate QUESTION This question was answered based upon current rules, regulations & statutes in effect on August 7, 2018 Kathy- Hope your day is going well. I just had a question regarding dealer plates. Do you know how long a customer can legally drive with dealer plates under the dealer’s insurance? I had a…
Snow Removal Plates
Snow Removal Plates QUESTION This question was answered based upon current rules, regulations & statutes in effect on August 8, 2018 Just looking to see if you know anything about ‘snow plates’ for trucks. Are there such a thing and if so, what would be the registry requirements?
Plate Type Commercial vs. Livery
Plate Type Commercial vs. Livery QUESTION This question was answered based upon current rules, regulations & statutes in effect on August 16, 2018 I have another registry question, hope you can help I have a new client, they are a medical facilitator and help foreign patients seek medical care in the US The company has…
CAR Outlines Proposed Changes to the Rules of Operation
CAR Outlines Proposed Changes to the Rules of Operation The Governing Committee of Commonwealth Automobile Reinsurers (CAR) has approved proposed changes to the Rules of Operation to go to the Division of Insurance for final approval. Rule 29 – Assignment Process is looking at the classification/territory combinations eligible for MAIP quota share credit. The residual market…
SSN for Credit Checks Commercial Auto
SSN for Credit Checks Commercial Auto QUESTION This question was answered based upon current rules, regulations & statutes in effect on August 17, 2018 Hi, I’m an insurance agent and we now have a personal and commercial contract with Progressive. During commercial lines training they explained that they want us to provide a customer’s Social…
Title and Sales Tax for a UTV
Title and Sales Tax for a UTV QUESTION This question was answered based upon current rules, regulations & statutes in effect on August 21, 2018 I have an insured who bought a UTV that does need to be titled he was told he that he has till the 20th day of the following month to…
Parental Vicarious Liability
Parental Vicarious Liability QUESTION This question was answered based upon current rules, regulations & statutes in effect on August 21, 2018 Do you have any articles or information on Parental Vicarious Liability for adult children in MA; particularly as it relates to Autos?
3rd. Party Claim
3rd. Party Claim QUESTION This question was answered based upon current rules, regulations & statutes in effect on August 23, 2018 I have a third party claim I have been dealing with Liberty Mutual. I need your advise. Our insured turning down a street the other vehicle was backing out of driveway they found our…
Coverage Effective Date
Coverage Effective Date QUESTION This question was answered based upon current rules, regulations & statutes in effect on September 17, 2018 We will be insuring a vehicle in CAR. A loss payee wants us to issue a certificate of insurance before we register the vehicle so it can be driven up from KY to MA…
DOI Issues New FAQs for Property Claims Related to Merrimack Valley Gas Explosions
DOI Issues New FAQs for Property Claims Related to Merrimack Valley Gas Explosions On November 15th, the MA Division of Insurance (DOI) issued a document titled “Frequently Asked Questions Regarding Homeowner’s Insurance Claims” to respond to questions about property claims associated with the September 13th gas line explosions and fires in Andover, North Andover, and…
Canada Cards
Canada Cards QUESTION This question was answered based upon current rules, regulations & statutes in effect on September 17, 2018 Are “Canada cards” still required for insureds who travel through Canada? I’ve been hearing “yes” from some sources and “no” from others and when I look online I can’t seem to find any recent info. …
Food Spoilage Claim
Food Spoilage Claim QUESTION This question was answered based upon current rules, regulations & statutes in effect on September 18, 2018 Question please. We are getting a few calls about food spoilage due to the explosions and loss of Electricity in Andover, No. Andover and Lawrence. This was a state of emergency. If our insureds…
Updated Company Auto Insurance Filings – November 2018
Updated Company Auto Insurance Filings – November 2018
Stamping Trailers
Stamping Trailers QUESTION This question was answered based upon current rules, regulations & statutes in effect on September 25, 2018 Technical question here. We have client who wants his trailer reg stamped. Trailer owned in name of two individuals. (not related) We advised him we could not stamp with the two names per underwriting, registry…
E&O: Producers Don’t Know What They Don’t Know
E&O: Producers Don’t Know What They Don’t Know Utica National Insurance Group brings monthly loss control articles to MAIA members directly from the risk management team. Read the article below or download this month’s article in PDF format.
Partners Insurance Group Teams Up to Save Lives
Partners Insurance Group Teams Up to Save Lives Partners Insurance Group, LLC has proved that they’re the star of the show. Over the past three years they’ve teamed up with STARR Saving Lives Capital Campaign, and over those three years has pledged $10,000.
Comprehensive Only
Comprehensive Only QUESTION This question was answered based upon current rules, regulations & statutes in effect on September 25, 2018 Irene-had a coworker tell me something that absolutely floored me. I have almost 50 years of experience and there were things I thought I was sure of. Not so much now…. To your knowledge, are…
Coverage vs. Effective Date
Coverage vs. Effective Date QUESTION This question was answered based upon current rules, regulations & statutes in effect on November 5, 2018 I hope you are doing well! Last month, we had an insured purchase a vehicle on 10/13/2018 but didn’t get the registration paperwork completed until 10/15/2018. Of course, we endorsed the policy to…
CAR Implements Ineligible Risk Database
CAR Implements Ineligible Risk Database Commonwealth Auto Reinsurers (CAR) has announced the implementation of the Ineligible Risk Database, a new website application that will allow Servicing Carriers to share information on ceded risks that have been declined, non-renewed, or cancelled as a result of being ineligible for coverage in the Massachusetts commercial residual market.
WC News: DOI Approves Notifying Policyholders of Pending Expiration of TRIPRA
WC News: DOI Approves Notifying Policyholders of Pending Expiration of TRIPRA
WC News: WCRIB Special Bulletins Residual Market Loss Ratio and Burden Estimate — October Update
WC News: WCRIB Special Bulletins Residual Market Loss Ratio and Burden Estimate — October Update
2A or Dec Page
2A or Dec Page QUESTION This question was answered based upon current rules, regulations & statutes in effect on September 27, 2018 Could you please tell me if Progressive and GEICO are allowed to provide dec pages in lieu of 2As and LPRs?
Certificate of Insurance
Certificate of Insurance QUESTION This question was answered based upon current rules, regulations & statutes in effect on October 5, 2018 There is a state statute that talks about a cert of ins can only represent the policies listed. The cert cannot add or take away from a policy. I cannot find it in my…
Meet a Young Agent – Scott Ellis
Meet a Young Agent – Scott Ellis 2018 is more than half over but we still have a lot of work to do! I joined the Young Agents Committee in 2017 shortly after starting at Bright Insurance in Milford, MA as the Operations Manager. Being on the committee has allowed me to meet and get…
Collision or Comprehensive
Collision or Comprehensive QUESTION This question was answered based upon current rules, regulations & statutes in effect on October 9, 2018 If a person is driving a car and the wheel falls off and the car is damaged from hitting the road, is that a collision or comprehensive claim?
Tech Talk: MA Operator Exclusion Endorsement M-0106-S Revisited
Tech Talk: MA Operator Exclusion Endorsement M-0106-S Revisited By Irene Morrill, CPCU, CIC, ARM, CRM, LIA, CRIS, CPIW – VP of Technical Affairs, MAIA
WC Cancellation
WC Cancellation QUESTION This question was answered based upon current rules, regulations & statutes in effect on October 12, 2018 Kathy Cormier to Irene Morrill and Dan Foley: I received a call from a member stating that she has two clients that are being cancelled by the WCRIB and the reason for the cancellation in…
NEW Massachusetts License and ID Issuance Number Format Changes Effective 11/13/2018
NEW Massachusetts License and ID Issuance Number Format Changes Effective 11/13/2018
NEW USDOT Requirements
NEW USDOT Requirements QUESTION This question was answered based upon current rules, regulations & statutes in effect on October 12, 2018 A client brought to my attention new rules regarding DOT requirements. Is this true that trucks with a 10K GVW or greater are now required to obtain a USDOT number, letter the truck…
MAIP Auto
MAIP Auto QUESTION This question was answered based upon current rules, regulations & statutes in effect on October 15, 2018 I had a quick question that I was hoping you could shed some light on – We received several cancel requests from Liberty Mutual on various property policies for a client of ours, along…
LPRs
LPRs QUESTION This question was answered based upon current rules, regulations & statutes in effect on October 16, 2018 I had a quick question that I was hoping you could shed some light on – We received several cancel requests from Liberty Mutual on various property policies for a client of ours, along with…
Delivery
Delivery QUESTION This question was answered based upon current rules, regulations & statutes in effect on October 17, 2018 I have a customer who we write a personal lines policy. They have a Chevy Trail Blazer that they want to use to deliver flowers with as they own a flower shop. Do they need…
Make Your InsurPac Contribution Before 12/31/18
Make Your InsurPac Contribution Before 12/31/18 InsurPac is the non-partisan federal political action committee (PAC) that complements the legislative efforts of our national association, the Big “I.” InsurPac is one of the most effective and well-respected small-business PACs in the country. “We’re very fortunate to have this powerhouse representing us on Capitol Hill,” says…
SDIP Motorcycle
SDIP Motorcycle QUESTION This question was answered based upon current rules, regulations & statutes in effect on October 17, 2018 Under a motorcycle policy, if you make a claim for only medical payments, under optional medical payments because PIP does not apply, no bodily injury claim, no property damage claim, would a surcharge apply?
Binder Language
Binder Language QUESTION This question was answered based upon current rules, regulations & statutes in effect on October 17, 2018 Good afternoon Irene, I’d like to see if I can get some clarification regarding agent binding and how the RMV-1 form comes into play. Essentially I’m looking to know if agency best practices for…