Garaging Change
Garaging Change QUESTION This question was answered based upon current rules, regulations & statutes in effect on January 24, 2019 I understand if you change your address the garaging gets changed for a personal plate. I know the commercial accounts they fax into the IRS the address change also. But does it also change for…
Rental as a Substitute Vehicle
Rental as a Substitute Vehicle QUESTION This question was answered based upon current rules, regulations & statutes in effect on January 24, 2019 We all know the “gaps” in how our policy will follow us while we are renting a car while on vacation. Does your own policy follow you any “differently” if you are…
Bobcat
Bobcat QUESTION This question was answered based upon current rules, regulations & statutes in effect on January 18, 2019 Can a Bobcat be registered?
Out-of-State Title
Out-of-State Title QUESTION This question was answered based upon current rules, regulations & statutes in effect on January 22, 2019 I have a title from Florida that shows the owners as the husband OR the wife The husband is deceased Do I still have to fill out the back of the title with the wife…
Registering a Vehicle for a Company
Registering a Vehicle for a Company QUESTION This question was answered based upon current rules, regulations & statutes in effect on January 22, 2019 I wanted to reach out to just inquire if what I believe is correct with regards to registering a company vehicle. I have a client whom has his vehicle registered under…
Aftermarket Lift Kit
Aftermarket Lift Kit QUESTION This question was answered based upon current rules, regulations & statutes in effect on January 22, 2019 My insured is purchasing a 2006 Jeep. It has a 4” aftermarket Lift Kit. Are there any rules at MASS DOT that make this illegal to register in MA? Thanks!
Commercial Weight Cap for Registration
Commercial Weight Cap for Registration QUESTION This question was answered based upon current rules, regulations & statutes in effect on January 24, 2019 Is there a weight cap where it would have to go to a CON plate in MA?
Record Retention
Record Retention QUESTION This question was answered based upon current rules, regulations & statutes in effect on January 23, 2018 Do you know what the rules/laws are regarding keeping old files. In January 2017, we started to scan all of our documents. We still have files from 2016 back to 2012 in some cases. I…
Backhoe Registration
Backhoe Registration QUESTION This question was answered based upon current rules, regulations & statutes in effect on November 08, 2018 I have a customer inquiring on how to get a backhoe on the road. What kind of plate would it need and would it go on a comm’l auto policy? Let me know.
Personal Umbrella/Business Use Auto
Personal Umbrella/Business Use Auto QUESTION This question was answered based upon current rules, regulations & statutes in effect on November 26, 2018 Does my personal umbrella follow me as a driver of my business car when I am using it for personal use ??? I believe the umbrella is intended to follow ME not just…
Employee Use of Personal Vehicle
Employee Use of Personal Vehicle QUESTION This question was answered based upon current rules, regulations & statutes in effect on November 27, 2018 I was hoping you could assist with a question from one of my health center clients. The health center is asking one of their employees (with a personal auto policy) to drive…
Operator Exclusion
Operator Exclusion QUESTION This question was answered based upon current rules, regulations & statutes in effect on November 27, 2018 I just read the Tech Talk on Operator Exclusions. This is great !! THANK YOU for putting it together . This has always confused me!! Our company does not allow us to use the exclusion…
Garaging on BAP
Garaging on BAP QUESTION This question was answered based upon current rules, regulations & statutes in effect on November 28, 2018 I have a client who has two Auto policies…A Massachusetts Automobile policy and an Out of State Automobile policy. Their home office is in Hudson, NH (They moved from Dracut, MA two years ago)…
Auto Policy and Life Partners
Auto Policy and Life Partners QUESTION This question was answered based upon current rules, regulations & statutes in effect on January 03, 2019 We have an insured who is wondering if he and his life partner can own a car…his partner has a vehicle and he would like to own it with him so that…
Loss of Use on a Rental
Loss of Use on a Rental QUESTION This question was answered based upon current rules, regulations & statutes in effect on January 07, 2019 Question is does loss of use on rental vehicles covered? Basically this is you rent a car and involved in accident and the rental had to be taken out of commission…
Truck-Tractor Cost New
Truck-Tractor Cost New QUESTION This question was answered based upon current rules, regulations & statutes in effect on January 07, 2019 When we add a large truck-tractor to a commercial auto policy should the federal excise tax amount be included in the cost new of the vehicle? this tax can be thousands of dollars. Thank…
Auto Classification Change
Auto Classification Change QUESTION This question was answered based upon current rules, regulations & statutes in effect on January 09, 2019 Do insurance companies have the right NOT to amend a classification mid term? One of our insured’s was first licensed in Dec 2015 and their policy renewed Nov 2018, when we followed up with…
Mobile Equipment – Physical Damage
Mobile Equipment – Physical Damage QUESTION This question was answered based upon current rules, regulations & statutes in effect on January 10, 2019 Is it better to put the physical damage for a registered piece of mobile equipment on an inland marine or an auto policy?