Leased Vehicle Buy Out
Leased Vehicle Buy Out This question was answered based upon current rules, regulations & statutes in effect on February 26, 2020 QUESTION I have a client who had a lease under his name, but has decided to purchase the vehicle for his business. I’m in the process of completing the RTA. My understanding is…
RMV Changes Timeframes for Registration Revocation
RMV Changes Timeframes for Registration Revocation The MA RMV has released a bulletin titled “Insurance Policy Management (IPM) Registration Revocation Timeframes” to alert insurance carriers and agents that the proposed implementation dates are changing for Revocation of Registration due to “No Policy” or “Expired Policy.” These additional revocation actions will be under review with the…
Cancel a Registration Once Vehicle is Registered to Another
Cancel a Registration Once Vehicle is Registered to Another This question was answered based upon current rules, regulations & statutes in effect on February 18, 2020 QUESTION How do I cancel a registration for my customer when the vehicle is already registered to another person?
Trade In Allowance
Trade In Allowance This question was answered based upon current rules, regulations & statutes in effect on February 18, 2020 QUESTION I had a call from an insured. She was told the following: Mass will not allow trade in allowance for Construction Trailers or Mobile Equipment (plated) any longer? Can you please check on this…
DOT and SDIP
DOT and SDIP This question was answered based upon current rules, regulations & statutes in effect on February 18, 2020 QUESTION I have an insured asking if he was surcharged when driving his DOT registered vehicle by a DOT officer, should that/would that show as an incident on his driver’s license, as well? He…
Vehicle Going From Business to Individual
Vehicle Going From Business to Individual 9is question was answered based upon current rules, regulations & statutes in effect on February 18, 2020 QUESTION I have an insured that wants to change his business vehicle to personal. He has a title from the lienholder but it’s made out to the company name. What do…
Tech Talk: Coronavirus and Commercial Business Shutdown… Covered or Not?
Tech Talk: Coronavirus and Commercial Business Shutdown… Covered or Not? Coronavirus and Commercial Business Shutdown… Covered or Not? By Irene Morrill, CPCU, CIC, ARM, CRM, LIA, CRIS, CPIW — VP of Technical Affairs
MAIA’s Registry Procedures Manual: The Best $149 You’ll Spend This Year
MAIA’s Registry Procedures Manual: The Best $149 You’ll Spend This Year If your agency handles MA auto insurance, MAIA’s Registry Procedures Manual could be your dream come true. It’s an all-in-one digital resource with more than 1,000 searchable pages of Registry procedures, services, forms, codes, and more, all freshly updated with the latest ATLAS information.…
Dual Wheel Truck & Registration
Dual Wheel Truck & Registration 9is question was answered based upon current rules, regulations & statutes in effect on February 19, 2020 QUESTION I have a client who has a 13000 lb. dual wheel dump truck that has a CON plate on it currently and is on a commercial policy- he uses it for…
ATLAS Q&A, Straight from the RMV (UPDATED) – 3/1/2020
ATLAS Q&A, Straight from the RMV (UPDATED) – 3/1/2020 UPDATED Q&A as of 3/1/2020!(Includes all previous questions, plus several new ones.) MAIA’s Member Relations Advocate Kathy Cormier continues to field your ATLAS questions, seeking clarity from the MA RMV as needed. She has updated the list of ATLAS Q&As, and created a downloadable PDF that…
Dissolved Corporation and Coverage
Dissolved Corporation and Coverage his question was answered based upon current rules, regulations & statutes in effect on February 13, 2020 QUESTION A corporation dissolves and there are vehicles in the business name. The principal has not yet transferred/sold the vehicles to another party so they are still registered in the corporate name. What…
Inland Marine & Driving Records
Inland Marine & Driving Records his question was answered based upon current rules, regulations & statutes in effect on February 13, 2020 QUESTION I remember from one of your classes that we shouldn’t be giving out driving records… I have an Inland Marine policy for one of our insureds (delivers kitchen cabinets)… The carrier…
WOD with a DUI
WOD with a DUI his question was answered based upon current rules, regulations & statutes in effect on February 13, 2020 QUESTION Hope your week is going well. I just had a quick question for you- if a drunk driver gets in a not at fault accident with a sober person, will the drunk…
Commercial Auto and Drivers
Commercial Auto and Drivers his question was answered based upon current rules, regulations & statutes in effect on February 13, 2020 QUESTION My Commercial Dept lead came across a situation with Progressive that I am a little baffled by. First, she was given a very hard time putting a truck back on to the…
Commercial Auto Vs. MA Auto Policy
Commercial Auto Vs. MA Auto Policy his question was answered based upon current rules, regulations & statutes in effect on February 14, 2020 QUESTION Once again, we are struggling with Commercial vs MA Auto Policy and how coverage works. We understand that if you have a camper trailer that you pull with a MA…
Moving Out-of-State and Auto
Moving Out-of-State and Auto his question was answered based upon current rules, regulations & statutes in effect on February 14, 2020 QUESTION We have a client that has moved to New Hampshire and is insisting that by law all he has to do is call and request us to cancel his policy. We advised…
DOC and Car Rental
DOC and Car Rental his question was answered based upon current rules, regulations & statutes in effect on February 18, 2020 QUESTION I have a questions regarding drive other car coverage on a commercial automobile policy. We have a commercial automobile policy for a business, the cars are owned by the company and driven…
Condo’s
Condo’s his question was answered based upon current rules, regulations & statutes in effect on February 18, 2020 QUESTION May you please email me some information on what is HO1734? I am trying to understand why this is a needed endorsement on a condo policy.
BAP and New Truck
BAP and New Truck This question was answered based upon current rules, regulations & statutes in effect on February 18, 2020 QUESTION Our insured just advised us they have purchased a bucket truck at an auction and need liability coverage in order to pick up the vehicle. They have a commercial auto policy with…
Tech Talk: Total Loss Vehicle/Auto Valuation – BAP or MAP: Is the Insured Being Underpaid?
Tech Talk: Total Loss Vehicle/Auto Valuation – BAP or MAP: Is the Insured Being Underpaid? Total Loss Vehicle/Auto Valuation – BAP or MAP:Is the Insured Being Underpaid? By Irene Morrill, CPCU, CIC, ARM, CRM, LIA, CRIS, CPIW — VP of Technical Affairs
BAP and Dissolved Business
BAP and Dissolved Business This question was answered based upon current rules, regulations & statutes in effect on February 13, 2020 QUESTION A corporation dissolves and there are vehicles in the business name. The principal has not yet transferred/sold the vehicles to another party so they are still registered in the corporate name. What…
Markets
Markets This question was answered based upon current rules, regulations & statutes in effect on January 24, 2020 QUESTION Do you have any markets for a BOP small business owner?
Business Interruption/Loss of Income
Business Interruption/Loss of Income This question was answered based upon current rules, regulations & statutes in effect on January 24, 2020 QUESTION Customer operating a livery service, inquiring if coverage for Business Interruption, or Loss of Income,, is available, due to temporary loss of use for a vehicle, as a result of an auto…
Uber/Lyft Coverage
Uber/Lyft Coverage This question was answered based upon current rules, regulations & statutes in effect on January 27, 2020 QUESTION Question is when are or are you not covered when your vehicle is being used by Uber or Lyft?
Personal Information on Surcharge Notice
Personal Information on Surcharge Notice This question was answered based upon current rules, regulations & statutes in effect on January 27, 2020 QUESTION I’m wondering if you can help with something or maybe direct me to the right person. My colleague, manages our systems and everything technical in the office. His son had an…
At Fault Accident and Commercial Vehicle
At Fault Accident and Commercial Vehicle This question was answered based upon current rules, regulations & statutes in effect on January 28, 2020 QUESTION Hi, we are having a discussion in our office, One person thinks if you are driving a company vehicle that is in a inc. and get in a at fault…
Surcharge Appeal – Waiver of Deductible
Surcharge Appeal – Waiver of Deductible This question was answered based upon current rules, regulations & statutes in effect on January 28, 2020 QUESTION Good afternoon Kathy and Irene, I have a feeling I already know the answer to this, but it’s been at least a decade since I ran into this scenario. (See…
What is Property Damage
What is Property Damage This question was answered based upon current rules, regulations & statutes in effect on January 28, 2020 QUESTION Hello, I have a client who leases a retail space for her convenience store. A vehicle insured with Mapfre collided with her storefront, causing around $3700 in damage to her awning (that’s…
Hired Auto
Hired Auto This question was answered based upon current rules, regulations & statutes in effect on January 30, 2020 QUESTION I have a client who has a commercial auto with 2 different carriers. One policy includes non-owned and hired liability. Am I correct that they don’t need to have that on both policies since…
Carrier Filings
Carrier Filings This question was answered based upon current rules, regulations & statutes in effect on January 31, 2020 QUESTION Good morning, Here’s a question posed to me: If the carrier sends their guidelines to the state for approval, is it state law that they have to follow those guidelines? A certain carrier will…
MAP and Doctor Visit
MAP and Doctor Visit This question was answered based upon current rules, regulations & statutes in effect on January 12, 2020 QUESTION Under Mass auto is there a time frame that an injured party must see a Dr. Insured had accident 10 days ago, was told auto wouldn’t unless she sees a Dr.within 14…
2A Commercial Auto
2A Commercial Auto This question was answered based upon current rules, regulations & statutes in effect on January 14, 2020 QUESTION I am sorry if this seems like a dumb question but do I need to do a 2A if moving a commercial auto policy from one company to another within our agency?
Business Auto MA
Business Auto MA This question was answered based upon current rules, regulations & statutes in effect on January 15, 2020 QUESTION Many times in talking to clients and they inquire about a driver that is inexperienced or bad driving records when they find out it will effect their rate or they don’t qualify being…
Brockton Registry of Motor Vehicles Customer Service Center Temporarily Closed
Brockton Registry of Motor Vehicles Customer Service Center Temporarily Closed The Massachusetts Registry of Motor Vehicles (RMV) is announcing that the Brockton Customer Service Center, at 490 Forest Avenue, is temporarily closed due to flooding caused by a water pipe that burst in the ceiling on Sunday, January 19. Building materials damaged by water must be…
Watercraft Insurance
Watercraft Insurance This question was answered based upon current rules, regulations & statutes in effect on January 16, 2020 QUESTION Can you clarify for me whether or not watercraft insurance is required in Massachusetts? I was under the impression it wasn’t? Is there any information you could provide me in regards to Watercraft insurance,…
Massachusetts Breaks InsurPac Record!
Massachusetts Breaks InsurPac Record! THANK YOU, Massachusetts, for once again showing the nation how it’s done! The 2019 InsurPac figures are in, and our little state was one of the first two states to EVER top six figures ($111,293) in total contributions! MA took the Presidents Cup for highest contributions from past and current state…
USDOT for Non-Commercial Vehicle
USDOT for Non-Commercial Vehicle This question was answered based upon current rules, regulations & statutes in effect on January 13, 2020 QUESTION I have an insurance agent who drivers an 11,000 pound pickup that is registered in the name of his agency. This is used to commute back and forth to work and may…
Borrowed Trailer Liability
Borrowed Trailer Liability This question was answered based upon current rules, regulations & statutes in effect on January 6, 2020 QUESTION I have a questions regarding liability on a trailer. If I let my neighbor borrow my trailer and my neighbor is found at fault for an accident will their liability coverage on their…
Standard of Fault
Standard of Fault This question was answered based upon current rules, regulations & statutes in effect on January 8, 2020 QUESTION Quick question to see if you would possibly know the answer or have a person for me to contact. Child who is a passenger opens his door hitting a car, does parent get…
Plate Cancellation Confirmation and Plate Cancellation Process
Plate Cancellation Confirmation and Plate Cancellation Process Great news! Agents can now print out a Plate Cancellation Receipt when you cancel a registration as a courtesy for your clients! CLICK HERE link to view a downloadable sample of the updated plate cancellation confirmation message, and screenshots to walk you through the process of printing the…