CAR Garage Policy Form
CAR Garage Policy Form QUESTION This question was answered based upon current rules, regulations & statutes in effect on April 08, 2019 I have a client that has a DLN plate but most of his revenue is derived from repairs. Since he works on heavy and x-tra heavy trucks, it would go to CAR. Does…
New CAR Rules
New CAR Rules QUESTION This question was answered based upon current rules, regulations & statutes in effect on April 08, 2019 This week two agents under me received declinations for quotes on C.A.R. policies. One was for a business based in Natick but the principals split time between Rhode Island and Florida. I was under…
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…
Ride Share Coverage
Ride Share Coverage QUESTION This question was answered based upon current rules, regulations & statutes in effect on March 11, 2019 I have a prospect who contacted me about covering her new ride share business here in Boston. I have access to the James River Program which is $125,000 MP but is apparently the sole…
Travel Trailers
Travel Trailers QUESTION This question was answered based upon current rules, regulations & statutes in effect on March 12, 2019 Placing travel trailers on mass auto policy what are the disadvantages
Individual as Lienholder
Individual as Lienholder QUESTION This question was answered based upon current rules, regulations & statutes in effect on March 7, 2019 I have a quick question for you. I have a client that is purchasing a vehicle cash for their friend. I am currently working on the quote for this friend now for new business.…
Auto Policy for Permit Holder
Auto Policy for Permit Holder QUESTION This question was answered based upon current rules, regulations & statutes in effect on March 7, 2019 Good afternoon, 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…
Use of Other Autos – M-0051-S
Use of Other Autos – M-0051-S QUESTION This question was answered based upon current rules, regulations & statutes in effect on March 7, 2019 Good Morning, 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…
Vehicle with a 6 Inch Lift Kit
Vehicle with a 6 Inch Lift Kit QUESTION This question was answered based upon current rules, regulations & statutes in effect on March 7, 2019 I think I know most of the Registry questions but this is a new one. One of my clients went to get an inspection on his 2018 Ford F150 truck. …
MA Laws Regarding Cancellation
MA Laws Regarding Cancellation QUESTION This question was answered based upon current rules, regulations & statutes in effect on February 05, 2019 Can you send me the link to the Mass law regarding non-pay cancellations? We always enforce it here but clients are constantly saying “I’ve never heard of this”. I feel like I’ve Googled…
Garaging
Garaging QUESTION This question was answered based upon current rules, regulations & statutes in effect on February 07, 2019 Can you have someone get back to me on this question. I have a Mom who is purchasing a car in her name and is going to have her daughter use it exclusively, who lives in…
BAP
BAP QUESTION This question was answered based upon current rules, regulations & statutes in effect on February 07, 2019 Can the daughter of the owner of a Massachusetts commercial Lines Auto policy use his vehicle that is insured under the corporation while he is on vacation for the month?
Owner Retained Title
Owner Retained Title QUESTION This question was answered based upon current rules, regulations & statutes in effect on February 25, 2019 Need your help. Insured’s vehicle was declared a total loss. She retained the car and fixed it. She did not apply for salvage/reconstructed title. What she applied for was an “owner retained title”. So I…
Carvana Internet Car Buying Service
Carvana Internet Car Buying Service QUESTION This question was answered based upon current rules, regulations & statutes in effect on February 26, 2019 I was wondering if you had any information on Carvana Internet Car Buying Service. I have an insured purchasing a vehicle from them and I’m not quite sure of the procedure. I…
Workers’ Compensation
Workers’ Compensation QUESTION This question was answered based upon current rules, regulations & statutes in effect on February 26, 2019 We have a Massachusetts client that delivers lumber and building materials to customers in the State of RI. The client has a MA Workers Compensation Policy. The employees all reside in MA and work from…
Military and MAP
Military and MAP QUESTION This question was answered based upon current rules, regulations & statutes in effect on February 12, 2019 I have a question that our office is scratching their heads about today! Safety told me that if a person goes away into the Military that they are still a household member and need…
State of Emergency and Auto
State of Emergency and Auto QUESTION This question was answered based upon current rules, regulations & statutes in effect on February 15, 2019 Ready for this one? I have an insured who is obviously retired and has nothing better to do with his time! He called today asking that, since the President has declared a…
GrubHub
GrubHub QUESTION This question was answered based upon current rules, regulations & statutes in effect on February 15, 2019 We have a client who wants to drive for GrubHub. He is an individual with a private passenger vehicle, commercial plates. Commercial Lines says it is not a commercial risk as it is an individual with…
Trailer
Trailer QUESTION This question was answered based upon current rules, regulations & statutes in effect on February 15, 2019 I have a customer who purchased a 2018 Jayco trailer. She told me that she uses her mom’s SUV to pull the Jayco since she has a Dodge Charger. Do you know if there was a…
PUP
PUP QUESTION This question was answered based upon current rules, regulations & statutes in effect on January 22, 2019 Good morning! When an insured uses a commercial vehicle for personal use and has a personal umbrella, how to we make sure they have coverage without gaps? Do we need to include both the M0051S Use…
Declining to Write With MAIP
Declining to Write With MAIP QUESTION This question was answered based upon current rules, regulations & statutes in effect on January 17, 2019 I was told by someone that works for another agency that they do not write insurance with MAIP. If none of their carriers will offer coverage, they turn the person away. Can…
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…