Diminished Value
Diminished Value QUESTION This question was answered based upon current rules, regulations & statutes in effect on April 12, 2019 I have a client who is filing a diminished value claim against a carrier. The claim rep for the carrier stated the Massachusetts has stopped diminished value claims against insurance carriers effective 12/2017. Please advise…
Commercial Truck and Personal Trailer
Commercial Truck and Personal Trailer QUESTION This question was answered based upon current rules, regulations & statutes in effect on April 18, 2019 Our client has a business auto policy in his and his wife’s name and DBA which covers a truck registered in his name using the business tax id #. He is not…
Total Loss and Federal Excise Tax Reimbursement
Total Loss and Federal Excise Tax Reimbursement QUESTION This question was answered based upon current rules, regulations & statutes in effect on April 30, 2019 I was wondering whether you or someone at your office could assist me with the following dilemma that I am having with settling a claim for one of my insureds……
No Auto? No Problem! RLI is the Answer You’ve Been Looking For!
No Auto? No Problem! RLI is the Answer You’ve Been Looking For! Do you have clients that do not own a personal vehicle, but would like the coverage of an umbrella over their property? RLI will provide coverage for clients with no personal auto, as long as they agree to carry the underlying coverage if…
Rental and CDW
Rental and CDW QUESTION This question was answered based upon current rules, regulations & statutes in effect on April 30, 2019 Good Morning, My co-worker and I are disagreeing on what coverage transfers from a MA auto policy to a vacation rental car. She feels that if the vehicle on the policy is old it’s…
Partners Insurance Group Continues Their Support for the Philanthropy Factory
Partners Insurance Group Continues Their Support for the Philanthropy Factory Partners Insurance Group, LLC and Arbella Insurance Foundation have supported “Gifts to Give” once again. Partners Insurance Group, presented two checks in the amount of $1,000 to “Gifts to Give,” continuing a tradition of support for the “philanthropy factory” in Acushnet, Massachusetts, where young people…
Kit Car Coverage
Kit Car Coverage QUESTION This question was answered based upon current rules, regulations & statutes in effect on May 1, 2019 I called this afternoon and was directed to email you to pick your brain as a benefit of membership. I’m hopeful you can point me in the right direction. We have an insured who…
UM/UIM Coverage on Umbrella
UM/UIM Coverage on Umbrella QUESTION This question was answered based upon current rules, regulations & statutes in effect on May 1, 2019 I have an insured that is inquiring about UM/UIM coverage on umbrella policy. He currently has his limits maxed out on his auto policy but he wants more coverage! His friend was in…
Trailers Parked for Season
Trailers Parked for Season QUESTION This question was answered based upon current rules, regulations & statutes in effect on May 1, 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 also…
Vehicle Sale to a Minor
Vehicle Sale to a Minor QUESTION This question was answered based upon current rules, regulations & statutes in effect on April 29, 2019 We have an Insured who is 16 and has a valid mass drivers license. He was trying to purchase a vehicle and the dealership is telling him he cannot register the vehicle…
MAIA Meets with MA Congressional Delegation at Legislative Conference in DC
MAIA Meets with MA Congressional Delegation at Legislative Conference in DC A contingent of more than 20 MAIA members has returned from the 2019 Big “I” Legislative Conference in Washington, DC, with renewed excitement and determination. The group visited the offices of our Massachusetts delegation to discuss Big “I” legislative priorities. Pictured are MAIA board…
Patrick Dempsey Named InsurPac Young Agent of the Year
Patrick Dempsey Named InsurPac Young Agent of the Year In a ceremony at the Big “I” Legislative Conference in Washington, DC, last week, MAIA Board Member Patrick Dempsey was named the InsurPac Young Agent of the Year. The award recognizes one young agent in the country who has exemplified leadership and commitment to InsurPac, the…
Has Your Agency Outgrown its Shoes?
Has Your Agency Outgrown its Shoes? You know the old saying about the cobbler’s children having no shoes? Well, ask yourself this: Has your agency been outgrowing its coverage while you’ve been busy hammering out great protection for your clients? It happens! Fortunately, MAIA’s Number One Agency can get you a Big “I”-RLI Agency Package…
HO 24 13
HO 24 13 QUESTION This question was answered based upon current rules, regulations & statutes in effect on April 29, 2019 I need your expertise on this endorsement. Is there any case-law for using this endorsement to get road liability coverage for a personal use tractor ? If not, how do agents handle getting liability…
Binding Authority and Endorsements
Binding Authority and Endorsements QUESTION This question was answered based upon current rules, regulations & statutes in effect on April 11, 2019 We have a client who recently bought an additional car. Their son had an injury and is disabled. The additional car was bought for their son’s friend who is using the car to…
Named Insureds
Named Insureds QUESTION This question was answered based upon current rules, regulations & statutes in effect on April 11, 2019 We have a MA Auto risk for a father who solely owns a vehicle and his daughter who solely owns her vehicle. They are the only household residents. I’m getting mixed feedback on whether we…
Auto towed on a trailer
Auto towed on a trailer QUESTION This question was answered based upon current rules, regulations & statutes in effect on April 11, 2019 Good Afternoon Irene!!! I believe you have addressed this question before in Question of the Day but I can’t find it…. We have an insured with a regular auto policy and an…