Maine Registered Trailers (2)
Question Maine Registered Trailers This question was answered based upon current rules, regulations & statutes in effect on May 15, 2021 I have an insured who has a boat trailer and plans to register the trailer in Maine with Maine recreational trailer plates. The insured plans to pull the trailer with his Truck that is registered…
Operator Exclusion (4)
Question Operator Exclusion This question was answered based upon current rules, regulations & statutes in effect on May 19, 2021 Could you please confirm If the company pulls up a household member and there is no license so you need to exclude them does that exclude them only as a driver or does it exclude them…
Umbrella (3)
Question Umbrella This question was answered based upon current rules, regulations & statutes in effect on May 19, 2021 Insured doesn’t have a personal auto. They only have a commercial auto. If they have DOC on the commercial auto, will the personal umbrella respond to a claim? Answer Irene Morrill: That is a question that you have…
Diminished Value (2)
Question Diminished Value This question was answered based upon current rules, regulations & statutes in effect on May 21, 2021 Does the insurance carrier have to pay diminished value on a vehicle especially if it is a leased vehicle and they are telling the insured they are responsible for that amount when vehicle is turned in?…
Commercial Auto Cancellation
Question Commercial Auto Cancellations This question was answered based upon current rules, regulations & statutes in effect on May 26, 2021 Everyone in our office believed that you could cancel an auto policy (personal or commercial) within the first 30 days and it would be prorated. We did cancel a client’s Commercial auto policy within the…
Domestic Partner and the MAP
Question Domestic Partners and the MAP This question was answered based upon current rules, regulations & statutes in effect on March 26, 2021 I am hoping you can help me with a question one of our insureds has asked us. She is a listed operator on her domestic partner’s Massachusetts auto policy and she will be traveling…
Listed Operators and HHMs
Question Listed Operators and HHMs This question was answered based upon current rules, regulations & statutes in effect on March 25, 2021 I’m looking for some advice on a couple of things regarding MA auto. Let me first say that I’m not looking for coverage determination, purely just how MAIA would look at these scenarios. We…
Florida Temporary Plates
Question Florida Temporary Plates This question was answered based upon current rules, regulations & statutes in effect on March 29, 2021 Question: If we stamp an RTA for a client that is purchasing a car down in Florida and they get a Florida temporary plate and drive back on the Florida temporary plate any issues? Company…
Umbrella Coverage – Side Business
Question Umbrella Coverage – Side Business This question was answered based upon current rules, regulations & statutes in effect on March 29, 2021 If someone is doing dump runs – side business – with his personal truck and also has a commercial liability policy… if a personal umbrella is in place, would it cover him if…
Definition of Private Passenger Vehicle & 15 Passenger Van
Question Definition of Private Passenger Vehicle and 15 Passenger Van This question was answered based upon current rules, regulations & statutes in effect on March 30, 2021 My son is renting a 15 passenger van. I know his PAP follows him. I checked with the underwriter though (not my regular underwriter) as it was such a…
Is This Fraud
Question Is This Fraud This question was answered based upon current rules, regulations & statutes in effect on April 06, 2021 Trying to help a client and this situation arose: She said she got a quote from Liberty Mutual for auto but never agreed to a policy. Liberty Mutual is saying they have her on a…
Claim with Rental Vehicle
Question Claim with Rental Vehicle This question was answered based upon current rules, regulations & statutes in effect on April 13, 2021 Customer rented auto with Enterprise and got in accident. Enterprise vehicle has a MI registration and customer was told that because the vehicle was rented in MA that the MA limits of 5k…
Claims Determination re: Road Debris
Question Claims Determination re: Road Debris This question was answered based upon current rules, regulations & statutes in effect on May 06, 2021 Does the association have any Tech Talk or other type of advisory articles regarding claim determination when it comes an auto striking road debris and the companies determining it should be an…
Non-Profit Has Employee Use Own Vehicles for Work
Question Non-Profit Has Employees Use Own Vehicles This question was answered based upon current rules, regulations & statutes in effect on May 07, 2021 We insure a non-profit where employees will often use their own cars to transport their clients to doctor’s appointments, run errands etc. They recently had a fender bender and the Carrier…
RMV Check Policy
Question RMV Check Policy This question was answered based upon current rules, regulations & statutes in effect on April 28, 2021 MAIA Bulletin regard RMV checks Thank you for providing this information every week. It is difficult to keep up with all the changes this past year and your Registry news section is so helpful.…
Farm Tractor on the Road
Question Farm Tractor on the Road This question was answered based upon current rules, regulations & statutes in effect on April 28, 2021 One of our clients, has asked about a Farm Tractor, it goes less than 25 miles an hour and he wants to travel on the Road between his two properties. Is there…
Glass – Collision or Comprehensive
Question Glass – Collision or Comprehensive This question was answered based upon current rules, regulations & statutes in effect on April 09, 2021 I wanted to see if an insured having their mirror hit and damaged would be considered comprehensive or collision? I was under the impression that glass was the only part of comprehensive…
Construction Vehicles
Question Construction Vehicles This question was answered based upon current rules, regulations & statutes in effect on April 20, 2021 One of our insureds has bought a 2011 Case Construction vehicle. I know rules are different for personal vs. commercial. They are planning on driving it to other properties rather than leaving it on their…