Claim Issue/Question
Claim Issue/Question Question This question was answered based upon current rules, regulations & statutes in effect on September 22, 2017 Good afternoon Irene, I was hoping you could offer me some advice. I have a situation with a customer who had an accident with their motorcycle about a month ago, they were injured and he…
MA Driver’s License and NH Driver’s License
MA Driver’s License and NH Driver’s License Question This question was answered based upon current rules, regulations & statutes in effect on September 15, 2017 If the wife has a car insured in Mass with a Mass license and the Husband has a New Hampshire Car with a New Hampshire License can the Mass Insurance…
Towing a Truck
Towing a Truck Question This question was answered based upon current rules, regulations & statutes in effect on September 12, 2017 We have a client who is renting a UHaul Truck and flat bed trailer and is towing his own personal truck on the flat bed trailer. I know that the collision and comp on…
Companies Require SSN for Claim Payment
Companies Require SSN for Claim Payment Question This question was answered based upon current rules, regulations & statutes in effect on October 24, 2017
Junior Operator License
Junior Operator License Question This question was answered based upon current rules, regulations & statutes in effect on October 20, 2017 We had an insured call today regarding her son and his JOL, in the event of an accident could coverage be declined if he had another person in the car under the age of…
Late 2A and Company Cancel
Late 2A and Company Cancel Question This question was answered based upon current rules, regulations & statutes in effect on October 23, 2017 Hello, a customer recently called us about a renewal billing notice they received – she’d gone to another carrier a year ago. We never got a 2A and she had EFT, and…
Cancelling a BAP
Cancelling a BAP Question This question was answered based upon current rules, regulations & statutes in effect on October 24, 2017 Our insured, a business owner with a commercial auto policy is closing their business. They want to transfer the vehicles to a personal policy. The plates on the vehicles are PAN and PAV. Can…
Glass Loss Collision
Glass Loss Collision Question This question was answered based upon current rules, regulations & statutes in effect on October 18, 2017 A client was involved in a collision, dented his truck and shattered his window. He does not carry collision, can he use his comp to get just the glass fixed?
Acord 23 vs. 25
Acord 23 vs. 25 QUESTION This question was answered based upon current rules, regulations & statutes in effect on October 20, 2017 Certificates for Personal Auto: Pros and Cons of using a certificate of insurance (specifically Acord 23 “Vehicle or Equipment Certificate of Insurance) as a means of informing a third party of insurance on…
Plate Replacement
Plate Replacement QUESTION This question was answered based upon current rules, regulations & statutes in effect on October 20, 2017 I was wondering if you knew if you are still able to bring illegible green plates and get red ones without an RMV3 required at the RMV? Or is a RMV3 form always required now?…
Trailers
Trailers QUESTION This question was answered based upon current rules, regulations & statutes in effect on October 17, 2017 Please correct me if I’m wrong but to register a 5000 commercial TRN would be $50.00 because it’s after 9/1? Thank you
Temporary Plates
Temporary Plates QUESTION This question was answered based upon current rules, regulations & statutes in effect on September 19, 2017 We just had another ‘discussion’ with a CT dealership regarding the use of “Transit Tags” by our customer. We told him we could consider coverage bound since she did tell us about purchasing the car…
Auto Sales to Minors
Auto Sales to Minors QUESTION This question was answered based upon current rules, regulations & statutes in effect on September 19, 2017 Can a Mass car dealer refuse to sell a vehicle to someone who is under 18years? The vehicle would be paid in full. No loan
Rental
Rental QUESTION This question was answered based upon current rules, regulations & statutes in effect on September 19, 2017 I’m not sure if you could offer any guidance in the subject of rental vehicles? We usually get the question about whether or not to purchase the Loss Damage Waiver, but myy question is more in…
Surcharge Thresholds
Surcharge Thresholds QUESTION This question was answered based upon current rules, regulations & statutes in effect on October 11, 2017 I have a claim with a date of loss of 3/26/17. Claim payment was issued in the amount of $814.30. The insured received a surcharge notice and filed for an appeal. The appeal board threw…
Sales Tax Exemption
Sales Tax Exemption QUESTION This question was answered based upon current rules, regulations & statutes in effect on October 11, 2017 I have an insured whose father gifted her a car with a New Hampshire Title. Will she have to pay MA sales tax because it is out of state?
Delivery for a Liquor Store
Delivery for a Liquor Store QUESTION This question was answered based upon current rules, regulations & statutes in effect on September 15, 2017 Good morning Irene: I do have additional questions for you on the Mass Auto Policy. I insure a group of Liquor Stores in Mass. They are starting a new program where you…
RMV-1: Eff. Date of Polcy & Eff. Date of Change
RMV-1: Eff. Date of Polcy & Eff. Date of Change QUESTION This question was answered based upon current rules, regulations & statutes in effect on October 6, 2017 Hello Kathy, I have a quick question re: RMV1’s When we are transferring a plate we put in line 49 A the effective date right of the…
Owners Listed on Titles as And/Or
Owners Listed on Titles as And/Or QUESTION This question was answered based upon current rules, regulations & statutes in effect on October 2, 2017 We have a customer relocating from NH who currently owns a vehicle along with her husband. The title stated her name OR her husband. There is an active loan on this…
Trailer Titles
Trailer Titles QUESTION This question was answered based upon current rules, regulations & statutes in effect on October 2, 2017 A trailer that is 3000 lbs should it be titled. Thanks
Residency for Parking Permits
Residency for Parking Permits QUESTION This question was answered based upon current rules, regulations & statutes in effect on October 2, 2017 We have an insured who has a daughter residing at a Boston College with one of their family cars (registered in Mom’s name, Framingham) and wants to know how they can evidence Boston…
2A
2A QUESTION This question was answered based upon current rules, regulations & statutes in effect on October 2, 2017 Sorry to bother you. We have an issue I was hoping you could help with. A customer of ours (now ex-customer) just went to Progressive. She claims Progressive told her all she has to do is…
Plate vs. Policy Type
Plate vs. Policy Type QUESTION This question was answered based upon current rules, regulations & statutes in effect on September 27, 2017 Good Morning Irene, Sorry to bother you, but I have a question being posed by an insured and I’m not sure of the answer. I’ve been scouring over my MAIA charts & asking…
Farm Plate and Policy Type
Farm Plate and Policy Type QUESTION This question was answered based upon current rules, regulations & statutes in effect on September 27, 2017 I have a client who has a 1976 pick-up that he is restoring and would use on premises. He does not have a business, employees or payroll so I would imagine no…
MAP and Suspended License
MAP and Suspended License QUESTION This question was answered based upon current rules, regulations & statutes in effect on September 27, 2017 A person leases a car and has their drivers license suspended of a year. Ins. Co. is cancelling the policy due to license status. Is there a way to continue coverage? Boyfriend (soon…
Duplicate Plate
Duplicate Plate QUESTION This question was answered based upon current rules, regulations & statutes in effect on September 25, 2017 Is there a form or can an insured order a duplicate plate online? Theirs are fading.
Title Question
Title Question QUESTION This question was answered based upon current rules, regulations & statutes in effect on September 20, 2017 Hope you are well. I have a title that the lien was never taking off with the RMV. The motorcycle was paid off in 1997 but when you look it up in the RMV it…
Business Markings and Registration
Business Markings and Registration QUESTION This question was answered based upon current rules, regulations & statutes in effect on August 8, 2017
Personal Auto and Delivery
Personal Auto and Delivery QUESTION This question was answered based upon current rules, regulations & statutes in effect on September 15, 2017 Good morning Irene: I do have additional questions for you on the Mass Auto Policy. I insure a group of Liquor Stores in Mass. They are starting a new program where you can…
Guest Coverage UM/UIM
Guest Coverage UM/UIM QUESTION This question was answered based upon current rules, regulations & statutes in effect on September 15, 2017 If a passenger (not a household member) in my vehicle gets injured and the at fault party (other vehicle) does not have sufficient coverage and my injured passenger does not have underinsured motorists coverage…
Cancelling Plates in MA to Cancel Insurance
Cancelling Plates in MA to Cancel Insurance QUESTION This question was answered based upon current rules, regulations & statutes in effect on July 14, 2017
Registration for Comprehensive Only Policy
Registration for Comprehensive Only Policy QUESTION This question was answered based upon current rules, regulations & statutes in effect on July 25, 2017 Wondering if you have ever heard of the registry saying ok to someone keeping his mass license plate on a classic car and having comp only? One of our customers called Hagerty…
Non-Owned and Hired Coverage and Trailer Question
Non-Owned and Hired Coverage and Trailer Question QUESTION Can you assist my colleague with a trailer question? He insures a commercial account in the Seaport that manufactures drones. The company plans on buying a 2000 lb. trailer so they may transport drones to a location in western MA. They will likely rent private passenger type…
BAP
BAP QUESTION This question was answered based upon current rules, regulations & statutes in effect on July 27, 2017
Melanie’s Law 1
Melanie’s Law 1 QUESTION NOTE: question was answered based upon current rules, regulations & statutes in effect on January 08, 2013.
DOC 2
DOC 2 QUESTION This question was answered based upon current rules, regulations & statutes in effect on July 27, 2017
Rental Car 1
Rental Car 1 QUESTION This question was answered based upon current rules, regulations & statutes in effect on July 31, 2017
Cancellation Law and Terms of Days
Cancellation Law and Terms of Days QUESTION This question was answered based upon current rules, regulations & statutes in effect on August 1, 2017 Do you know where we can find the Massachusetts Law regarding required cancellation notice in terms of minimum days the insurance company must provide to the named insured? Specifically, we are…