3rd. Party Rental
3rd. Party Rental QUESTION This question was answered based upon current rules, regulations & statutes in effect on June 10, 2019
Deferred Operator Issue
Deferred Operator Issue QUESTION This question was answered based upon current rules, regulations & statutes in effect on June 11, 2019
Public Autos – Rating Territory
Public Autos – Rating Territory QUESTION This question was answered based upon current rules, regulations & statutes in effect on June 11, 2019
Replacement of Required Vehicle Decals
Replacement of Required Vehicle Decals QUESTION This question was answered based upon current rules, regulations & statutes in effect on June 12, 2019
Intrastate Commerce and USDOT
Intrastate Commerce and USDOT QUESTION This question was answered based upon current rules, regulations & statutes in effect on June 14, 2019
MM2026 & Damage to Leased Vehicle
MM2026 & Damage to Leased Vehicle QUESTION This question was answered based upon current rules, regulations & statutes in effect on June 14, 2019
Different Limits on Owned Autos
Different Limits on Owned Autos QUESTION This question was answered based upon current rules, regulations & statutes in effect on June 19, 2019
OLD Trailers and Titles
OLD Trailers and Titles QUESTION This question was answered based upon current rules, regulations & statutes in effect on June 20, 2019
Register a Golf Cart
Register a Golf Cart QUESTION This question was answered based upon current rules, regulations & statutes in effect on June 20, 2019
What is Glass
What is Glass QUESTION This question was answered based upon current rules, regulations & statutes in effect on June 20, 2019
TURO
TURO QUESTION This question was answered based upon current rules, regulations & statutes in effect on June 21, 2019
Rental Car Loss Of Use
Rental Car Loss Of Use QUESTION This question was answered based upon current rules, regulations & statutes in effect on July 19, 2019
Lease Buyout
Lease Buyout QUESTION This question was answered based upon current rules, regulations & statutes in effect on July 24, 2019 Hope all is well. If someone buys out their lease in MA, are they subject to sales tax when they re-register? Client advised she had already paid sales tax on the original transaction. Thanks
Handicap Placard
Handicap Placard QUESTION This question was answered based upon current rules, regulations & statutes in effect on July 25, 2019 One of my insured has a handicap placard At present he owns a car, but he is going to turn in his drivers license and turn his car over to his wife The family can…
Client Passed and We Did Not Know
Client Passed and We Did Not Know QUESTION This question was answered based upon current rules, regulations & statutes in effect on July 25, 2019 I was under the impression that you had to have a valid license to register/insured a car in your own name. I have a policy that is just ready to…
BAP and Non-scheduled Plates
BAP and Non-scheduled Plates QUESTION This question was answered based upon current rules, regulations & statutes in effect on July 17, 2019 Does a MA Transporter Plate need to be scheduled on a BAP like a Dealer Plate or a Repair Plate?
Temporary Plates
Temporary Plates QUESTION This question was answered based upon current rules, regulations & statutes in effect on September 24, 2018 I’ve got a customer who’s purchasing a car from “Carvana” – the online dealer with the “vending machine” ads. The bill of sale they provided my customer is from Georgia. They sent me a copy…
Military and Expired License
Military and Expired License QUESTION This question was answered based upon current rules, regulations & statutes in effect on September 28, 2018 We have an insured that is in the military and his Mass. drivers license has expired. He is driving on his active duty id. He is currently deployed overseas and won’t be able…
License Amendment
License Amendment QUESTION This question was answered based upon current rules, regulations & statutes in effect on October 10, 2018 I recently got married and I wanted to know how I would go about changing my name on my P & C license, also so you know if I have to change my name on…
Coverage GAP?
Coverage GAP? QUESTION This question was answered based upon current rules, regulations & statutes in effect on October 26, 2018 I have found a GAP with the MA auto policy and do not know how to insure my clients. I have an insured who is a police officer on a special division that responds to…
Client Moved OOS and has MA Plate
Client Moved OOS and has MA Plate QUESTION This question was answered based upon current rules, regulations & statutes in effect on October 30, 2018 I have a client who has moved out of state. He has obtained a policy there but is still riding on the Mass plates. He wants to keep the other…
Driver Information
Driver Information QUESTION This question was answered based upon current rules, regulations & statutes in effect on October 17, 2018 I have an insured who’s commercial auto policy is being non-renewed with Hartford as a driver came back with a DUI on his record. Per Hartford the insured was asked for an updated drivers list,…
Surcharge Question
Surcharge Question QUESTION This question was answered based upon current rules, regulations & statutes in effect on October 22, 2018 One of our carriers that is newer to MA auto claims handling issued a surcharge to our insured driver. The driver was deemed 50% at fault and other driver deemed 50%. There was more than…
Motorcycle Coverage
Motorcycle Coverage QUESTION This question was answered based upon current rules, regulations & statutes in effect on October 23, 2018 I’m hoping you can help me out on this one. We have an insured with a Motorcycle. She has accident and broke her wrist. Insured did not have med pay on the policy and PIP…
LLC and Trailer
LLC and Trailer QUESTION This question was answered based upon current rules, regulations & statutes in effect on October 31, 2018 I have an insured who’s commercial auto with Progressive is in his LLC name. He has a trailer to be added to the commercial policy but it’s in his personal name. I know typically…
MAIP TNC Endorsement?
MAIP TNC Endorsement? QUESTION This question was answered based upon current rules, regulations & statutes in effect on November 2, 2018 If an insured is driving with Uber/Lyft and doesn’t qualify for a traditional carrier who has that endorsement such as Commerce, can they be placed with a MAIP policy and have the Uber/Lyft coverage?
Contractors Equipment vs. BAP Coverage
Contractors Equipment vs. BAP Coverage QUESTION This question was answered based upon current rules, regulations & statutes in effect on October 30, 2018 I am hoping you can help me figure out the proper way to cover our insured. I will preface that the carrier writes all lines for the insured (BAP, PKG, UMB). Currently,…
Trailer and No MAP
Trailer and No MAP QUESTION This question was answered based upon current rules, regulations & statutes in effect on November 1, 2018 I have a customer who now has a company car and no personal auto in the household (divorced). He stills own a trailer which I can’t have on a MAP by itself (at…
Trailer Weight Change
Trailer Weight Change QUESTION This question was answered based upon current rules, regulations & statutes in effect on November 7, 2018 We have a client that just got his trailer weight adjusted. Is it as simple as an RMV-3 with the new weight or does he need to bring additional documents with him? The weight…
Loss of Use Coverage
Loss of Use Coverage QUESTION This question was answered based upon current rules, regulations & statutes in effect on November 7, 2018 It has always been my understanding that a MA auto policy will cover car rentals only with the coverage & limits on the insured’s MA auto policy which would mean there would be…
Insurance Cards
Insurance Cards QUESTION This question was answered based upon current rules, regulations & statutes in effect on November 7, 2018 Carrier does not offer insurance cards for our auto clients. Is this something we can get from the MAIA and if so, can you advise me the dept. and/or person to contact?
MA State Markings 540 CMR 2.22
MA State Markings 540 CMR 2.22 QUESTION This question was answered based upon current rules, regulations & statutes in effect on November 8, 2018 I have a co-worker who was at a seminar last week and the instructor was discussing the above noted regulation that will be enforced effective 01/01/19. In addition to the requirement…
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…