Travel Trailer
Travel Trailer QUESTION This question was answered based upon current rules, regulations & statutes in effect on April 08, 2019 I saw the question of the day on March 22 about travel trailers and I have a question. I have an insured that has a 5th wheel that is kept at a campground in Salisbury…
PIP and OBI
PIP and OBI QUESTION This question was answered based upon current rules, regulations & statutes in effect on April 08, 2019 Passengers are covered under PIP and then optional bodily injury on an auto policy, correct?
3rd. Party Rental
3rd. Party Rental QUESTION This question was answered based upon current rules, regulations & statutes in effect on March 28, 2019 In regards to third party rental, when the insured was not at fault in the accident and needs to rent a car when was it permitted that the other person’s insurance company is allowed…
Out-of-State Violation Reporting
Out-of-State Violation Reporting QUESTION This question was answered based upon current rules, regulations & statutes in effect on March 29, 2019 We have a client who got into an accident while driving a friend’s car in California…will this be reported to Massachusetts for her driving record? What states are reciprocal to MA?
Surviving Spouse Process
Surviving Spouse Process QUESTION This question was answered based upon current rules, regulations & statutes in effect on March 29, 2019 Just a quick question. I have an insured coming in to pick up this form. His brother’s wife passed away. His brother is giving a vehicle which was in his late wife’s name to…
Plate v. Policy Question
Plate v. Policy Question QUESTION This question was answered based upon current rules, regulations & statutes in effect on March 29, 2019 I have a quote that came across my desk with the following: Registered in Personal name as sole proprietor under DL# Used for tree work – moving tools/equipment to sites for tree…
Carrier Refusal and/or Delay to Cancel Policy 2A
Carrier Refusal and/or Delay to Cancel Policy 2A QUESTION This question was answered based upon current rules, regulations & statutes in effect on March 29, 2019 We’ve been having difficulty at times getting a particular Carrier to cancel a Policy or removing a vehicle on a Policy per 2A-Transfer of Insurance form being provided to them (via…
Hired Auto Physical Damage
Hired Auto Physical Damage QUESTION This question was answered based upon current rules, regulations & statutes in effect on March 27, 2019 Hi I have a question regarding an insured who had a rented car. They did not purchase the physical Damage coverage from rental company, and do not have coverage under their commercial auto…
Non Owned Auto Policy
Non Owned Auto Policy QUESTION This question was answered based upon current rules, regulations & statutes in effect on March 28, 2019 Can you suggest where I might be able to obtain a quotation for Drive Other Car / Non-Owned Auto policy for an individual, who does not own a personal auto but may borrow…
Garaging Change
Garaging Change QUESTION This question was answered based upon current rules, regulations & statutes in effect on March 12, 2019 We have a client who recently bought a new car, the car should have been garaged on Martha’s Vineyard. The dealership accidentally registered the car with garaging in Brookline. We have in our notes that…
USDOT Number
USDOT Number QUESTION This question was answered based upon current rules, regulations & statutes in effect on March 13, 2019 Regarding the new U.S. DOT number assignment for intrastate carriers – the regulation says every motor vehicle engage in intrastate “commerce”. Are contractors such as landscapers, plumbers, etc considered to be engaged in “commerce”? Thank…
Plate Type
Plate Type QUESTION This question was answered based upon current rules, regulations & statutes in effect on March 13, 2019 I have a client that has a personal policy rated class 30 as she is a massage therapist and occasionally goes to someones home. She does put magnetic signs on her car occasionally, is she…
Can a REAL ID be switched to Standard ID
Can a REAL ID be switched to Standard ID QUESTION This question was answered based upon current rules, regulations & statutes in effect on March 13, 2019 I have a customer who recently obtained a real ID and the RMV issued it with her given middle name to follow her birth certificate. After this woman…
M-0051-S Use of Other Autos
M-0051-S Use of Other Autos QUESTION This question was answered based upon current rules, regulations & statutes in effect on March 07, 2019 I’m hoping to get some information on MA Endorsement M-0051-S-Use of Other Autos-Vehicles Furnished or Available For Regular Use Curious who should be buying this endorsement? Also, would it be required if…
License Issue and MAP
License Issue and MAP QUESTION This question was answered based upon current rules, regulations & statutes in effect on March 07, 2019 I just had an interesting scenario here in the agency. Someone came in currently working with an African refugee who has purchased a used vehicle. The Refugee has been permitted only for 1…
Co-Lessee on Vehicle RMV-1
Co-Lessee on Vehicle RMV-1 QUESTION This question was answered based upon current rules, regulations & statutes in effect on March 12, 2019 I called the dealer this morning for some clarification as my client is trying to tell me Linda is “only on the loan”. When I called the dealer to see if she is…
Dual Registration
Dual Registration QUESTION This question was answered based upon current rules, regulations & statutes in effect on March 08, 2019 We have a quick question on a MA auto client who is planning on buying a home in R.I. She will continue to work in MA full time & will keep her room at her…
Blue Light Permit
Blue Light Permit QUESTION This question was answered based upon current rules, regulations & statutes in effect on March 12, 2019 I am not sure who would be able to assist therefore I emailed both. I insure a police officer for his home and auto currently. He called today because he was told that he…