SSN for Credit Checks Commercial Auto
SSN for Credit Checks Commercial Auto QUESTION This question was answered based upon current rules, regulations & statutes in effect on August 17, 2018 Hi, I’m an insurance agent and we now have a personal and commercial contract with Progressive. During commercial lines training they explained that they want us to provide a customer’s Social…
Title and Sales Tax for a UTV
Title and Sales Tax for a UTV QUESTION This question was answered based upon current rules, regulations & statutes in effect on August 21, 2018 I have an insured who bought a UTV that does need to be titled he was told he that he has till the 20th day of the following month to…
Parental Vicarious Liability
Parental Vicarious Liability QUESTION This question was answered based upon current rules, regulations & statutes in effect on August 21, 2018 Do you have any articles or information on Parental Vicarious Liability for adult children in MA; particularly as it relates to Autos?
3rd. Party Claim
3rd. Party Claim QUESTION This question was answered based upon current rules, regulations & statutes in effect on August 23, 2018 I have a third party claim I have been dealing with Liberty Mutual. I need your advise. Our insured turning down a street the other vehicle was backing out of driveway they found our…
Coverage Effective Date
Coverage Effective Date QUESTION This question was answered based upon current rules, regulations & statutes in effect on September 17, 2018 We will be insuring a vehicle in CAR. A loss payee wants us to issue a certificate of insurance before we register the vehicle so it can be driven up from KY to MA…
Canada Cards
Canada Cards QUESTION This question was answered based upon current rules, regulations & statutes in effect on September 17, 2018 Are “Canada cards” still required for insureds who travel through Canada? I’ve been hearing “yes” from some sources and “no” from others and when I look online I can’t seem to find any recent info. …
Food Spoilage Claim
Food Spoilage Claim QUESTION This question was answered based upon current rules, regulations & statutes in effect on September 18, 2018 Question please. We are getting a few calls about food spoilage due to the explosions and loss of Electricity in Andover, No. Andover and Lawrence. This was a state of emergency. If our insureds…
Stamping Trailers
Stamping Trailers QUESTION This question was answered based upon current rules, regulations & statutes in effect on September 25, 2018 Technical question here. We have client who wants his trailer reg stamped. Trailer owned in name of two individuals. (not related) We advised him we could not stamp with the two names per underwriting, registry…
Comprehensive Only
Comprehensive Only QUESTION This question was answered based upon current rules, regulations & statutes in effect on September 25, 2018 Irene-had a coworker tell me something that absolutely floored me. I have almost 50 years of experience and there were things I thought I was sure of. Not so much now…. To your knowledge, are…
Coverage vs. Effective Date
Coverage vs. Effective Date QUESTION This question was answered based upon current rules, regulations & statutes in effect on November 5, 2018 I hope you are doing well! Last month, we had an insured purchase a vehicle on 10/13/2018 but didn’t get the registration paperwork completed until 10/15/2018. Of course, we endorsed the policy to…
2A or Dec Page
2A or Dec Page QUESTION This question was answered based upon current rules, regulations & statutes in effect on September 27, 2018 Could you please tell me if Progressive and GEICO are allowed to provide dec pages in lieu of 2As and LPRs?
Certificate of Insurance
Certificate of Insurance QUESTION This question was answered based upon current rules, regulations & statutes in effect on October 5, 2018 There is a state statute that talks about a cert of ins can only represent the policies listed. The cert cannot add or take away from a policy. I cannot find it in my…
Collision or Comprehensive
Collision or Comprehensive QUESTION This question was answered based upon current rules, regulations & statutes in effect on October 9, 2018 If a person is driving a car and the wheel falls off and the car is damaged from hitting the road, is that a collision or comprehensive claim?
WC Cancellation
WC Cancellation QUESTION This question was answered based upon current rules, regulations & statutes in effect on October 12, 2018 Kathy Cormier to Irene Morrill and Dan Foley: I received a call from a member stating that she has two clients that are being cancelled by the WCRIB and the reason for the cancellation in…
NEW USDOT Requirements
NEW USDOT Requirements QUESTION This question was answered based upon current rules, regulations & statutes in effect on October 12, 2018 A client brought to my attention new rules regarding DOT requirements. Is this true that trucks with a 10K GVW or greater are now required to obtain a USDOT number, letter the truck…
MAIP Auto
MAIP Auto QUESTION This question was answered based upon current rules, regulations & statutes in effect on October 15, 2018 I had a quick question that I was hoping you could shed some light on – We received several cancel requests from Liberty Mutual on various property policies for a client of ours, along…
LPRs
LPRs QUESTION This question was answered based upon current rules, regulations & statutes in effect on October 16, 2018 I had a quick question that I was hoping you could shed some light on – We received several cancel requests from Liberty Mutual on various property policies for a client of ours, along with…
Delivery
Delivery QUESTION This question was answered based upon current rules, regulations & statutes in effect on October 17, 2018 I have a customer who we write a personal lines policy. They have a Chevy Trail Blazer that they want to use to deliver flowers with as they own a flower shop. Do they need…
SDIP Motorcycle
SDIP Motorcycle QUESTION This question was answered based upon current rules, regulations & statutes in effect on October 17, 2018 Under a motorcycle policy, if you make a claim for only medical payments, under optional medical payments because PIP does not apply, no bodily injury claim, no property damage claim, would a surcharge apply?
Binder Language
Binder Language QUESTION This question was answered based upon current rules, regulations & statutes in effect on October 17, 2018 Good afternoon Irene, I’d like to see if I can get some clarification regarding agent binding and how the RMV-1 form comes into play. Essentially I’m looking to know if agency best practices for…
Roof Line
Roof Line QUESTION This question was answered based upon current rules, regulations & statutes in effect on October 19, 2018 Good morning I am trying to find roof line definitions (ie pitched – high or low; flat etc). Would you be able to direct me to the web site where this information can be…
Transfer and Effective Date
Transfer and Effective Date QUESTION This question was answered based upon current rules, regulations & statutes in effect on October 18, 2018 Irene- We were having a discussion in our office regarding a car transfer. If a customer trades in say a 2005 Ford for a 2018 Ford and is supposed to pick up…
Driving Records for Non-Driving Staff
Driving Records for Non-Driving Staff QUESTION This question was answered based upon current rules, regulations & statutes in effect on October 16, 2018 I have an insured who’s commercial auto policy is being non-renewed as a driver came back with a DUI on his record. Per the carrier the insured was asked for an…
USDOT#
USDOT# QUESTION This question was answered based upon current rules, regulations & statutes in effect on August 30, 2018 No hurry in a response but just a question I am not certain how to answer. I have an insured who has a 2012 Dodge Ram on his PP policy. The weight is 12,300 or…
Waiver of Deductible
Waiver of Deductible QUESTION This question was answered based upon current rules, regulations & statutes in effect on August 25, 2018 On a Mass Auto policy can you add the waiver of collision deductible to motorcycles and trailers that carry Collision coverage?
Stamping Trailer Registrations
Stamping Trailer Registrations QUESTION This question was answered based upon current rules, regulations & statutes in effect on September 25, 2018 Technical question here. We have client who wants his trailer reg stamped. Trailer owned in name of two individuals. (not related) We advised him we could not stamp with the two names per…
Comprehensive Only
Comprehensive Only QUESTION This question was answered based upon current rules, regulations & statutes in effect on September 25, 2018 Irene-had a coworker tell me something that absolutely floored me. I have almost 50 years of experience and there were things I thought I was sure of. Not so much now…. To your knowledge,…
Merit Rating on a Boat
Merit Rating on a Boat QUESTION This question was answered based upon current rules, regulations & statutes in effect on September 28, 2018 I have a situation where up until last Policy year she was a 99. I guess she was in a kayak and the kayak sank and she was not wearing a…
When are CON Plates Pro-Rated
When are CON Plates Pro-Rated QUESTION This question was answered based upon current rules, regulations & statutes in effect on October 2, 2018 I hope you can answer this question for us. When does the RMV start pro-rating their plates for Commercial Trucks? Thanks.
Date to Add Vehicle to Policy
Date to Add Vehicle to Policy QUESTION This question was answered based upon current rules, regulations & statutes in effect on October 3, 2018 What is the correct way to add a vehicle to a policy: effective on the date that the RMV1 is stamped & coverage is bound or the date the vehicle…
MVU-26 Family Exemption Tax Form
MVU-26 Family Exemption Tax Form QUESTION This question was answered based upon current rules, regulations & statutes in effect on September 28, 2018 We have a client who was gifted an auto from his stepfather. He would like to use the Family Transfer form. We have told him that we are not sure step…
Business Name Change
Business Name Change QUESTION This question was answered based upon current rules, regulations & statutes in effect on October 1, 2018 We have a client it is a business account, and they are going to change the name and have already applied for a new FiD #and they do have it. Is there a…
Out-of-State Title
Out-of-State Title QUESTION This question was answered based upon current rules, regulations & statutes in effect on October 1, 2018 If an Insured moves from Texas to Massachusetts, I know they would need a new plate, but would they also need a new title if they own the car? Thanks!
Lien holder and Binders
Lien holder and Binders QUESTION This question was answered based upon current rules, regulations & statutes in effect on October 1, 2018 We have had a couple of situations with local Credit Unions that our client’s are seeking an auto loan and the Credit Union is requiring not only a Binder but also all…
3rd. Party Total Loss Settlement
3rd. Party Total Loss Settlement QUESTION This question was answered based upon current rules, regulations & statutes in effect on August 21, 2018 I’m coming to you for your insurance knowledge expertise to help assist me with an insurance settlement issue. Our insured vehicle was hit by another vehicle, no collision coverage (couldn’t get…
DOC as Excess
DOC as Excess QUESTION This question was answered based upon current rules, regulations & statutes in effect on September 18, 2018 I have a question regarding Drive Other Car coverage. One of our insureds has both a personal auto policy and is a named individual on a DOC endorsement under a business auto policy.…
Time Frame to Add Drivers
Time Frame to Add Drivers QUESTION This question was answered based upon current rules, regulations & statutes in effect on September 27, 2018 Is there a time frame for adding a newly licensed operator to a MA Ins policy? It used to be like 30 days or something like that… Thank you for your…
Diminished Value
Diminished Value QUESTION This question was answered based upon current rules, regulations & statutes in effect on September 27, 2018 Not sure if you are my go to or not. Have a client arguing that he wants to be compensated for diminished value to his vehicle due to an accident. Can you tell me…
BAP and Trailer
BAP and Trailer QUESTION This question was answered based upon current rules, regulations & statutes in effect on September 28, 2018 One of our insureds just formed a new corporation, they bought a trailer in that corporate name. There are not and will not be any power units registered under this corporate name anytime…
Commercial Vehicle Markings
Commercial Vehicle Markings QUESTION This question was answered based upon current rules, regulations & statutes in effect on September 28, 2018 We’re in the process of taking on a new account for an oil recovery business, he just called me and told me there’s a filing for MA that needs to be done by…