Rate Comparison with Other States
Rate Comparison with Other States QUESTION This question was answered based upon current rules, regulations & statutes in effect on May 17, 2019 How can I get any date regarding rates by coverage in comparison to other state for auto? For instance, I’d love to know where our collision, PD and comp rates are vs.…
Resident Benefit Package
Resident Benefit Package QUESTION This question was answered based upon current rules, regulations & statutes in effect on May 17, 2019 This has nothing to do with an auto policy , but perhaps you can direct me to someone else. We have a client that is renting and has purchase a tenants policy thru our…
Should I Send a 2A??
Should I Send a 2A?? QUESTION This question was answered based upon current rules, regulations & statutes in effect on May 17, 2019 I have a strange situation and don’t know how or if I do a BU2A for it. The insured’s mother has a leased vehicle that the daughter took over. The leasing company…
Massachusetts HO Policy
Massachusetts HO Policy QUESTION This question was answered based upon current rules, regulations & statutes in effect on May 04, 2019 I am looking for the most up to date copy of the Massachusetts Homeowners policy and the Massachusetts Auto policy. Some of our auto body shops are stating that they will not work on…
Substitute Transportation
Substitute Transportation QUESTION This question was answered based upon current rules, regulations & statutes in effect on May 21, 2019 What is the rule for rentals in a third party claim? Twice I have had issues with Progressive and GEICO stating that we have to use their company to appraise the vehicle in order to…
TNC Endorsements
TNC Endorsements QUESTION This question was answered based upon current rules, regulations & statutes in effect on May 22, 2019 Are there any companies in MA besides Commerce that offer the TNC endorsement?
New Law for Discounts?
New Law for Discounts? QUESTION This question was answered based upon current rules, regulations & statutes in effect on May 22, 2019 Was there a new law passed in May 2019 regarding low mileage and surcharge points that allows discount?
What Type of Plate
What Type of Plate QUESTION This question was answered based upon current rules, regulations & statutes in effect on May 22, 2019 Good morning, If my insured puts a sign on her car will she need a commercial plate. I think yes but some of us think no since it is not on all the…
Trailer Recreational Use or Not
Trailer Recreational Use or Not QUESTION This question was answered based upon current rules, regulations & statutes in effect on May 24, 2019 My insured has a fifth wheel that he keeps at a campground for the summer. I know under the auto policy, it states if used as residence it is not covered. It…
BAP and Trailer
BAP and Trailer QUESTION This question was answered based upon current rules, regulations & statutes in effect on May 27, 2019 Commercial Auto client is going to pull a 6000 GVW trailer that is owned by him and his wife individually with one of his commercial vehicles. Will the commercial auto liability provide the liability…
Trailer at Campground
Trailer at Campground QUESTION This question was answered based upon current rules, regulations & statutes in effect on May 27, 2019 Campers parked at campground is there still physical damage?
Med Pay
Med Pay QUESTION This question was answered based upon current rules, regulations & statutes in effect on May 29, 2019 I just quoted an auto for a new client and used their existing Dec as a guide. I suggested removing medical payments and explained PIP and the Mass limit of 2000 if the insured had…
What is the Correct Plate Type
What is the Correct Plate Type QUESTION This question was answered based upon current rules, regulations & statutes in effect on May 09, 2019 If someone uses a vehicle in their business and they put signs on the vehicle do they need to get commercial plates? I currently have it listed as class 30 on…
Accident Forgiveness
Accident Forgiveness QUESTION This question was answered based upon current rules, regulations & statutes in effect on May 10, 2019 Accident Forgiveness…how do we know now the carrier filed with the Division of Insurance? This may sound stupid on my part but if I have a customer who has the accident forgiveness on their auto…
Motorcycle Question
Motorcycle Question QUESTION This question was answered based upon current rules, regulations & statutes in effect on May 02, 2019 Do you know of any verbiage for Mapfre/Commerce -where I can find that there is no Annual Mileage credit on motorcycles ?
SDIP Question
SDIP Question QUESTION This question was answered based upon current rules, regulations & statutes in effect on May 03, 2019 I was curious if you could answer a question for me. We have a policyholder whose current policy has a 3 point surcharge on it and would be a points 98 at renewal come 03/2020. …
Commercial Lettering on Passenger Vehicle
Commercial Lettering on Passenger Vehicle QUESTION This question was answered based upon current rules, regulations & statutes in effect on May 03, 2019 Good afternoon Irene, Hope you are well. I was hoping you might be able to help me understand eligibility for a MAP if a vehicle has commercial lettering on it but not…
Binder Language for Auto
Binder Language for Auto QUESTION This question was answered based upon current rules, regulations & statutes in effect on May 03, 2019 I am told you are a wiz in the industry and would likely provide the best answer to my question. When stamping an RMV-1 for a dealership and providing a binder, should there…