Interpreter Needed
Question Interpreter Needed This question was answered based upon current rules, regulations & statutes in effect on August 9, 2021 We seem to have more and more auto leads coming in from “out of town” (Boston). I understand we are not allowed to decline the business solely based on the territory. Some of these people do…
3rd Party Rental 2
Question 3rd. Party Rental This question was answered based upon current rules, regulations & statutes in effect on July 16, 2021 Simon Smith was in an accident and he was rear-ended by another vehicle. That person has progressive and Progressive is stating they don’t pay for 3rd party rentals, even though our insured is NOT at fault.…
Important Updates on NFIP Risk Rating 2.0
Important Updates on NFIP Risk Rating 2.0 The October 1st implementation of Risk Rating 2.0, FEMA’s all-new pricing methodology for the National Flood Insurance Program (NFIP), is approaching! Quoting and policy issuance for Phase 1 of Risk Rating 2.0 has been pushed back from August 1st to at least August 16th. Flood is tricky in…
Liability Non Listed Operators
Question Liability Non Listed Operators This question was answered based upon current rules, regulations & statutes in effect on July 16, 2021 If there is a policy with Progressive in place and all drivers in HH are not listed but have insurance with another company (Commerce), and a non listed driver has a minor fender bender…
Livery Plate or Commercial Plate
Question Livery Plate or Commercial Plate This question was answered based upon current rules, regulations & statutes in effect on July 16, 2021 We have a new customer whose policy becomes effective on 07.28, but he has a Livery plate that needs to be changed to a Commercial plate before the underwriter will sign off on…
U.S. Passport Numbers Beginning with a Letter
The U.S. Department of State began issuing “next generation” U.S. passports in March 2021. The newly issued passports use a numbering system that begins with an upper-case letter (A, X, Y, or Z, depending on the passport type), followed by eight numbers. Download the August 6, 2021, RMV Training Update for full details: Passport Numbers…
U.S. Passport Numbers Beginning with a Letter
The U.S. Department of State began issuing “next generation” U.S. passports in March 2021. The newly issued passports use a numbering system that begins with an upper-case letter (A, X, Y, or Z, depending on the passport type), followed by eight numbers. Download the August 6, 2021, RMV Training Update for full details: Passport Numbers…
Motorcycle Coverage on MAP
Question Motorcycle Coverage on MAP This question was answered based upon current rules, regulations & statutes in effect on July 21, 2021 I have question regarding coverage for under a Mass Auto policy. I have an insured who has a Mass auto policy covering one private passenger auto. She is looking at possibly purchasing a motorcycle…
Claim Question Uncooperative Driver
Question Claim Question – Uncooperative Driver This question was answered based upon current rules, regulations & statutes in effect on July 21, 2021 I have an automobile claims question. I have a client that owns a commercial building surrounded by a chain link fence. Two months ago a vehicle took a wrong turn going up a one way street…
Motorcycle Accident no Contact
Question Motorcycle Accident no Contact This question was answered based upon current rules, regulations & statutes in effect on July 27, 2021 I had a customer get into an accident this afternoon on his motorcycle. Someone pulled out in front of him but he was able to dump the bike without hitting the vehicle. The lady…
Glass Coverage for Dealer Vehicles
Question Glass Coverage for Dealer Vehicles This question was answered based upon current rules, regulations & statutes in effect on July 29, 2021 I have an account, 5 dealer plates, no vehicles with Dealers Physical damage coverage. The dealer called and advised that one of his vehicles had a cracked or broken windshield and was asking…
How Vulnerable is YOUR Home Plate? Keep Your Agency Covered
How Vulnerable is YOUR Home Plate? Keep Your Agency Covered Between the Red Sox and the Olympics, we’ve been thinking a lot about baseball and protecting your “home plate.” MAIA’s Number One Agency is the leader in E&O for MA insurance agents, but E&O alone may not protect your agency’s home plate from ALL of…
Garaging Commercial Vehicles
Question Garaging – Business Vehicles This question was answered based upon current rules, regulations & statutes in effect on July 29, 2021 We are having a problem with one carrier regarding garaging on vehicles registered to a business entity. They won’t change garaging on the business auto policy unless the insured changes it in the RMV…
Garaging Business Vehicles
Question Garaging – Business Vehicles This question was answered based upon current rules, regulations & statutes in effect on July 29, 2021 We are having a problem with one carrier regarding garaging on vehicles registered to a business entity. They won’t change garaging on the business auto policy unless the insured changes it in the RMV…
OOS Purchase – Camper and Coverage
Question OOS Purchase – Camper and Coverage This question was answered based upon current rules, regulations & statutes in effect on July 22, 2021 Late breaking client no notice purchase! We have a client getting a $75K camper van in Ohio and driving it back on a dealer plate. Will be for personal use. If we…
Solar Panels
Question Solar Panels This question was answered based upon current rules, regulations & statutes in effect on July 23, 2021 We’re receiving more and more calls on solar panels and have a question. We’ve been advised by at least one carrier that if the solar panels are owned by the insured the HO3 perils apply and…
Blank Checks with RMV
Question Blank Check with RMV This question was answered based upon current rules, regulations & statutes in effect on July 26, 2021 We wish to thank you for all your help with the registry. We do have a question on what the registry is currently doing. If an insured buys a vehicle from a non-dealer you…
New Features Make RLI’s Personal Umbrella Even Easier
New Features Make RLI’s Personal Umbrella Even Easier Who needs a personal umbrella? In a word, EVERYBODY. Anyone who has a job, a car, or property can lose everything if they are found liable in a lawsuit. Judgments often go well above the limits of underlying policies, with potential results ranging from selling assets, to…