HO 24 13
HO 24 13 QUESTION This question was answered based upon current rules, regulations & statutes in effect on April 29, 2019 I need your expertise on this endorsement. Is there any case-law for using this endorsement to get road liability coverage for a personal use tractor ? If not, how do agents handle getting liability…
Binding Authority and Endorsements
Binding Authority and Endorsements QUESTION This question was answered based upon current rules, regulations & statutes in effect on April 11, 2019 We have a client who recently bought an additional car. Their son had an injury and is disabled. The additional car was bought for their son’s friend who is using the car to…
Named Insureds
Named Insureds QUESTION This question was answered based upon current rules, regulations & statutes in effect on April 11, 2019 We have a MA Auto risk for a father who solely owns a vehicle and his daughter who solely owns her vehicle. They are the only household residents. I’m getting mixed feedback on whether we…
Auto towed on a trailer
Auto towed on a trailer QUESTION This question was answered based upon current rules, regulations & statutes in effect on April 11, 2019 Good Afternoon Irene!!! I believe you have addressed this question before in Question of the Day but I can’t find it…. We have an insured with a regular auto policy and an…
Loss of Use on a Rental Car
Loss of Use on a Rental Car QUESTION This question was answered based upon current rules, regulations & statutes in effect on April 17, 2019 Need clarification on whether or not a rental car company can chase and insured and/or their insurance carrier for loss of use on a vehicle? I know carriers aren’t paying…
Garaging
Garaging QUESTION This question was answered based upon current rules, regulations & statutes in effect on April 17, 2019 MA Auto policy – Looking for feedback on vehicles garaged at college. We (the carrier) expect that garaging should be changed to reflect the vehicle being away at school and will deny a claim if garaging…
Accident with Neighbors Garage
Accident with Neighbors Garage QUESTION This question was answered based upon current rules, regulations & statutes in effect on April 18, 2019 My insured had a car parked in his driveway unregistered/uninsured and was having a company come tow it away for cash. The driveway was long, and the tow truck needed the car pulled…
Umbrella Quotes and MVRs
Umbrella Quotes and MVRs QUESTION This question was answered based upon current rules, regulations & statutes in effect on April 22, 2019 I know this is an issue we (at least EIG) has gone over a few times with you. In regards to quoting an umbrella we know we cannot provide MVR printouts. To obtain…
Appeal of Surcharge
Appeal of Surcharge QUESTION This question was answered based upon current rules, regulations & statutes in effect on April 24, 2019 We have an insured who was surcharged for an accident and at the time liability was determined I questioned it as I thought 50/50 was appropriate for this situation but the adjuster did not…
Personal Truck with Company Signage
Personal Truck with Company Signage QUESTION This question was answered based upon current rules, regulations & statutes in effect on April 25, 2019 Question: one of our insureds registered there truck in their personal name and wants to put their Company Name LLC on the truck can they do that? I have read all about…
Plate Returns – Date to Cancel MAP
Plate Returns – Date to Cancel MAP QUESTION This question was answered based upon current rules, regulations & statutes in effect on April 24, 2019 Could you verify in the case where the plate for an auto is returned, if we should remove the auto on the date of the plate return or the following…
Garaging – Livery Plate
Garaging – Livery Plate QUESTION This question was answered based upon current rules, regulations & statutes in effect on April 09, 2019 I was wondering if you could let me know if our C.A.R. carrier has the right to garage our private livery van in Springfield even if it “sleeps” in Holyoke every night but…
Voluntary Surrender of License
Voluntary Surrender of License QUESTION This question was answered based upon current rules, regulations & statutes in effect on April 08, 2019 I have a client who no longer drives and is just going to let his license expire. I think he should turn it in and get a Mass ID- is there a form/procedure…
Unlicensed Operator
Unlicensed Operator QUESTION This question was answered based upon current rules, regulations & statutes in effect on April 08, 2019 One of our insured’s daughter had a friend drive who caused at huge at fault accident. Unbeknownst to the daughter, the friend does NOT have a license. He was arrested at the scene & the…
Surviving Spouse
Surviving Spouse QUESTION This question was answered based upon current rules, regulations & statutes in effect on April 08, 2019 I have a surviving spouse that is going to be transferring everything to his name with the surviving spouse affidavit. We have done the RMV-1 along with surviving spouse sheet and we have the death…
Out-of-State Dealers
Out-of-State Dealers QUESTION This question was answered based upon current rules, regulations & statutes in effect on April 08, 2019 I work at a CT agency and we write in MA and run into the issue where an insured is getting a vehicle from a non-drive dealership. I wanted to confirm if they e-mail or…
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…