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2024

Trusts & the HO Policy

May 20, 2024 Written By: Irene Morrill, CPCU, CIC, ARM, CRM, CRIS, MLIS, LIA, CPIW – Consultant, Technical Affairs, MAIA An agent emailed saying his client had put their personal assets, including their home, into a trust, and the lawyer is requiring the HO 05 43 Residence Held in Trust endorsement to be added to…

MA Fair Plan

*This question was answered based on current rules, regulations & statutes in effect as of April 2024. Question I hope you are well! We quoted some MPIUA homes last week, and today, two were rejected because they said we didn’t use the new RCT info from 2/24. Coverage A went up over $300K on one!…

RTA Questions & Answers

*This question was answered based on current rules, regulations & statutes in effect as of April 2024. Questions & Answers A few questions have come up at our agency, and I was hoping you could help. If a dealership (non-drive) sells a vehicle, is that dealership responsible for completing the RTA? If it is a…

AAA North Andover Road Tests

April 29, 2024 AAA will soon end road test services at its North Andover location. May 3rd is the last day tests will be conducted. The road test public schedule has been adjusted, and Mass.Gov/RMV will be updated to reflect this change in availability. Customers are currently unable to book road tests at the AAA North Andover…

Lease Buyout and Plate Reassignment

*This question was answered based on current rules, regulations & statutes in effect as of April 2024. Question Quick question for you. I’ve noticed recently that the registry has allowed folks buying out their leases to keep the same plates. Can you tell me what we check off on the RTA to indicate this? Answers…

Loss Assessment

April 23, 2024 Written By: Laura J. Poulin, AILP, AINS, AAM, CPIW, CRIS, MLIS, Director of Curriculum and Technical Affairs, MAIA Which coverage does a unit owner need to purchase to cover an Association deductible – building Coverage A or loss assessment coverage? Let’s start with Loss Assessment coverage.  There are three requirements to trigger…

AAA Greenfield Closing

April 23, 2024 Effective 5:00 pm on April 26, the AAA Greenfield location will close. After that date, it will be permanently closed, and no RMV transactions will be processed. All other AAA locations that process RMV transactions will continue to do so. The RMV and AAA websites will be updated. Read the full update here.…

WC Classification

*This question was answered based on current rules, regulations & statutes in effect as of March 2024. Question I have an insured who operates a not-for-profit cemetery. They want to appeal the assignment of class code 9220; see the email excerpt below. I have been on the DIA website and called their general number but…

RMV Business Partner Website

April 8, 2024 Effective immediately, the RMV Business Partner Communication website that resided on massrmv.com has been redirected to Mass.Gov/RMV. The new website URL is https://www.mass.gov/rmv-business-partners. The website pages have been updated and moved to a central location which provides improved access. Read the full update here. Questions? Contact Kathy Cormier at 508-634-7353 or via email at [email protected].

Assisted Living Coverage

*This question was answered based on current rules, regulations & statutes in effect as of March 2024. Question I have a client. He & his wife are both Named Insured (NI). He is now in a nursing home. Policy on HO 00 05 05 11. I believe the HO 04 59 05 11 Assisted Living…

Updated Company Auto Filings – March 2024

March 27, 2024 MAIA periodically visits the Division of Insurance to collect the latest information about each company’s private passenger automobile insurance rules, rates, and forms filings. Recent changes and updates are presented here. Questions? Contact Kathy Cormier at 508-634-7353 or via email at [email protected].

DOR’s Child Support Services Division

March 3, 2024 Effective April 1, the Department of Revenue (DOR) will change the name of its Child Support Enforcement Division to the Child Support Services Division. ATLAS, RMV webpages, and all RMV letters that reference child support requirements will be updated to reflect the new name this week. The next version of the Driver’s Manual…

Coverage for MAIP Policy on Imported Vehicle

*This question was answered based on current rules, regulations & statutes in effect as of March 2024. Question I have a question regarding a personal auto policy. One of my clients plans to import a 1995 Nissan ATLAS from Japan for personal use, with no business involvement. The vehicle weighs 6000 pounds and has the…

Private Passenger Residual Market Modifications to Manual Rules, Amendments to Rule 27.

Effective May 1, 2024, the Private Passenger Residual Market Modifications to Manual Rules have been approved.  SUVs are included in section B with pick-ups and vans now have the limitation on delivery that is only “incidental to the insured’s business of installing, maintaining or repairing furnishings or equipment” and they also increased the GVWR from…

Lease Buyout Dealer Advisory

March 3, 2024 The RMV has received questions from dealerships about the process of purchasing a vehicle at the conclusion of a lease agreement, commonly known as a lease buyout. The questions are about instances where the buyout has taken an extended amount of time (more than 20 business days) and the purchaser/lessee had to rent…

Haitian Creole Driver’s Manual

March 3, 2024 A Haitian Creole version of the July 2023 Passenger (Class D) Driver’s Manual has been printed and will soon be distributed to all RMV Service Centers. It will also be available to order on the RMV website (Mass.Gov/myRMV) on March 28. The Haitian Creole Driver’s Manual has the same design as the English,…

Does a Massachusetts Auto Policy Protect You When Your Injuries Are Caused By Someone Else’s Carelessness?

March 25, 2024 Written By: Laura J. Poulin, AILP, AINS, AAM, CPIW, CRIS, MLIS, Director of Curriculum and Technical Affairs, MAIA No one ever thinks they will be involved in a car accident. Hopefully, your Insured’s plan for it with adequate liability limits. But they can’t control another driver’s behavior or whether they have insurance…

WC for Uninsured Subs

*This question was answered based on current rules, regulations & statutes in effect as of March 2024. Question Do you have anything I can show the Insured regarding the Workers Comp Audit we discussed on Friday? He hired a sub to do about $20K in work last year; the sub is also a carpenter and…