Trailer Recreational Use or Not
Trailer Recreational Use or Not QUESTION This question was answered based upon current rules, regulations & statutes in effect on May 24, 2019 My insured has a fifth wheel that he keeps at a campground for the summer. I know under the auto policy, it states if used as residence it is not covered. It…
Short-Term Rental Update: New Tax Rules Take Effect July 1
Short-Term Rental Update: New Tax Rules Take Effect July 1 The time has come. As of July 1, 2019, short-term rental operators in MA will need to register with MassTaxConnect, and begin collecting and remitting the required 5.7% tax. In the June DOR newsletter, Commissioner Christopher Harding spelled out the requirements and gave links for…
BAP and Trailer
BAP and Trailer QUESTION This question was answered based upon current rules, regulations & statutes in effect on May 27, 2019 Commercial Auto client is going to pull a 6000 GVW trailer that is owned by him and his wife individually with one of his commercial vehicles. Will the commercial auto liability provide the liability…
PFML Update: Implementation Delay & Rate Increase
PFML Update: Implementation Delay & Rate Increase Implementation of the MA Paid Family and Medical Leave (PFML) has been delayed for three months. While this gives MA employers a little extra time to meet their new responsibilities under the law, it also means the withholding rate will increase from .63% to .75%, as the state has…
Trailer at Campground
Trailer at Campground QUESTION This question was answered based upon current rules, regulations & statutes in effect on May 27, 2019 Campers parked at campground is there still physical damage?
Are Your Clients Up To Par With Golf Cart Insurance?
Are Your Clients Up To Par With Golf Cart Insurance? The golf cart is not just for golf anymore! Even if your clients don’t care about the damage to their golf cart – are they covered for the liability that could arise from someone being hit by, falling off of, or causing property damage with…
Employment Opportunities at MAIA & Number One
Employment Opportunities at MAIA & Number One The Massachusetts Association of Insurance Agents (MAIA) and its affiliate, The Number One Insurance Agency, are hiring! MAIA is seeking a Membership Engagement Director and an Education Manager, and Number One is looking for a Customer Service Representative. Our offices are conveniently located off Rte. 495 in Milford,…
Med Pay
Med Pay QUESTION This question was answered based upon current rules, regulations & statutes in effect on May 29, 2019 I just quoted an auto for a new client and used their existing Dec as a guide. I suggested removing medical payments and explained PIP and the Mass limit of 2000 if the insured had…
What is the Correct Plate Type
What is the Correct Plate Type QUESTION This question was answered based upon current rules, regulations & statutes in effect on May 09, 2019 If someone uses a vehicle in their business and they put signs on the vehicle do they need to get commercial plates? I currently have it listed as class 30 on…
WCRIBMA Circular Letter: Massachusetts Indemnity Data Call
WCRIBMA Circular Letter: Massachusetts Indemnity Data Call The Massachusetts Workers’ Compensation Rating and Inspection Bureau has issued Circular Letter No. 2349, dated June 14, 2019, and titled Massachusetts Indemnity Data Call. The WCRIBMA’s Governing Committee authorized the implementation of a Massachusetts Indemnity Data Call to be reported directly to the WCRIBMA. Participation in the Massachusetts Indemnity…
Accident Forgiveness
Accident Forgiveness QUESTION This question was answered based upon current rules, regulations & statutes in effect on May 10, 2019 Accident Forgiveness…how do we know now the carrier filed with the Division of Insurance? This may sound stupid on my part but if I have a customer who has the accident forgiveness on their auto…
Motorcycle Question
Motorcycle Question QUESTION This question was answered based upon current rules, regulations & statutes in effect on May 02, 2019 Do you know of any verbiage for Mapfre/Commerce -where I can find that there is no Annual Mileage credit on motorcycles ?
SDIP Question
SDIP Question QUESTION This question was answered based upon current rules, regulations & statutes in effect on May 03, 2019 I was curious if you could answer a question for me. We have a policyholder whose current policy has a 3 point surcharge on it and would be a points 98 at renewal come 03/2020. …
Proof of Citizenship/Lawful Presence and Name is not an Exact Match
Proof of Citizenship/Lawful Presence and Name is not an Exact Match If a customer applying for a REAL ID presents a document for Proof of Social Security Number (SSN) with a name that does not exactly match the name on the document presented as Proof of Lawful Presence, the SSN document can be accepted in…
Reminder: No License Renewals/Reinstatements after Two Years Without Active License
Reminder: No License Renewals/Reinstatements after Two Years Without Active License Class D & M driver’s licenses cannot be renewed or reinstated after a customer has been without an active license for two years or more for any reason. This could be because the license expired, was suspended/revoked, or was surrendered.
Commercial Lettering on Passenger Vehicle
Commercial Lettering on Passenger Vehicle QUESTION This question was answered based upon current rules, regulations & statutes in effect on May 03, 2019 Good afternoon Irene, Hope you are well. I was hoping you might be able to help me understand eligibility for a MAP if a vehicle has commercial lettering on it but not…
MPIUA Announces Revisions to Assessment and Valuation Program
MPIUA Announces Revisions to Assessment and Valuation Program The Massachusetts Property Insurance Underwriting Association (MPIUA), has updated its risk assessment and valuation program to CoreLogic RCT Express version 4.5. This upgrade has been in use in the voluntary market being received with positive review. RCT Express version 4.5 contains several updates which make it both…
Binder Language for Auto
Binder Language for Auto QUESTION This question was answered based upon current rules, regulations & statutes in effect on May 03, 2019 I am told you are a wiz in the industry and would likely provide the best answer to my question. When stamping an RMV-1 for a dealership and providing a binder, should there…