Operators Report
Operators Report QUESTION In regards to completing the Operators Report… If the accident was at a grocery store, mall, etc., is the lot considered private or public? The Operators report states do not fill it out if the accident occurred on a private parking lot. Because the above lots are open to the public we…
Seatbelt Violation
Seatbelt Violation QUESTION This question was answered based upon current rules, regulations & statutes in effect on June 20, 2017 One of my insured got a Violation for Fail to stop AND seat belt violation She was told by police officer that he was only going to give her seat belt violation I know the…
Employee Vehicles with Markings For Business
Employee Vehicles with Markings For Business QUESTION This question was answered based upon current rules, regulations & statutes in effect on June 16, 2017
Surviving Spouse and Plate Types
Surviving Spouse and Plate Types QUESTION Can a Surviving Spouse transaction be done on PAY (Year of Manufacture) and Veteran plates?
Operator Exclusion3
Operator Exclusion3 QUESTION I have an insured who wishes to exclude his household daughter on all vehicles. Would she have access to part 3 & 12 of this policy?
Merit Rating3
Merit Rating3 QUESTION I know that a lot has changed with competitive rating factors , however, we have recently had a situation where someone’s sdip changed 2 months prior to a renewal date and because there was a change of vehicle the company ran a MRB and BACKDATED the sdip (household rating factor) back to…
Tax Exemption 2
Tax Exemption 2 QUESTION Pretty sure I know the answer to this. Client daughter bought car from her mother for $7500. I am assuming they are only eligible for MVU26 if a family transfers without any payment exchange between the two parties. If you confirm that would be great. Thank you
Scooter – Can This Be Registered
Scooter – Can This Be Registered QUESTION This question was answered based upon current rules, regulations & statutes in effect on June 14, 2017 I have a question regarding a scooter. One of our customers purchased a scooter: 2016 Honda Ruckus, 4.3 hp, 49cc.Is this something that we can register for road use and need…
Total Loss and 7 Day Law
Total Loss and 7 Day Law QUESTION I have a request from a dealer that I have not had before and neither have my co-workers (we all have 25/30+ years in insurance).An insured had an accident on 6/5/17, declared a total loss on 6/8/17 (no figures are ready yet) and is getting a new vehicle…
Title & Registration Question (2)
Title & Registration Question (2) QUESTION How are you? I have a title question. A father bought some jet skis for his adult son, in his son’s name. A trailer was also purchased. Due to the fact the father was there for the transactions, the title for the trailer has the father’s name on the…
Trust3
Trust3 QUESTION I have attached a copy of a title from NH. On the RMV-1, form how would I list the owner if it is in a Trust? Do I list the trust first and then the owner 2nd?? Thanks for your help.
Tenant Relocation 2
Tenant Relocation 2 QUESTION My question is, I have an excess carrier who states, that being an excess carrier, and they do not have to provide tenant relocation on a 3 family dwelling. I advised that I understood that it was mandatory and either way, could they provide (HO2371). Your opinion/facts?
Commission Paid to Deceased Person
Commission Paid to Deceased Person QUESTION This question was answered based upon current rules, regulations & statutes in effect on July 16, 2016
Non Competes
Non Competes QUESTION Hi Dan! Recently hired a person in our PL Customer service department who speaks fluent Spanish. a result, she developed a substantial following of family, friends and miscellaneous clients at her prior agency. family, etc. want to follow her and to date one or two have tried to come over and of…
Fees to Clients
Fees to Clients QUESTION This question was answered based upon current rules, regulations & statutes in effect on September 15, 2016
Surplus Lines Tax
Surplus Lines Tax QUESTION One of my wholesalers is telling me that the surplus lines tax is applicable to the inspection fee in addition to the premium as it is charged by the insurance company. Never seen this before. You shed some light?
Adverse Notice
Adverse Notice QUESTION This question was answered based upon current rules, regulations & statutes in effect on April 27, 2016 Regarding adverse action notices that agencies are required to send clients when quotes are declined: this only apply when rating a policy in a carrier website, where quotes can be officially declined, or does it…
Notify Customers on Sale of Agency
Notify Customers on Sale of Agency QUESTION We are selling the agent. Attorney raised the question of when and if appropriate to notify customers of the sale and transfer of records/personal information. Assume that that needs to occur, but was unsure if there was any requirement to do so?