Don’t Play Games with Your E&O Coverage
Don’t Play Games with Your E&O Coverage Curve Ball: A pitch that looks like it’s coming right at you and then curves in when you least expect it. In business you’re going to get curve balls thrown at you all the time. MAIA’s Number One Insurance Agency would tell you don’t play games with your…
Antique Plate on Tractor
Question Antique Plate on Tractor: This question was answered based upon current rules, regulations & statutes in effect on December, 2020: I am trying to find information in the Registry Procedures manual about registering a Tractor Trailer/Semi-trailer for personal use. It’s a 1972 Peterbilt and is used personally and he is trying to register it…
Rated Operator
Question Rated Operator This question was answered based upon current rules, regulations & statutes in effect on March 8, 2021 Customer leases a vehicle in two names. One driver has a surrendered license doesn’t drive and the wife was the licensed operator and she passed away. What he is coming up against is that the…
Surchargeable Comp. Loss
This question was answered based upon current rules, regulations & statutes in effect on February 18, 2021 Good Afternoon! One of our insurance carriers recently “upgraded” their system. There have been many issues in the new system Today I was reviewing a client’s Glass claim. He has full glass, $0 deductible. In their system, it…
New Registry Check Policy Change
Question New Registry Check Policy Change This question was answered based upon current rules, regulations & statutes in effect on June 14, 2021 I’m not sure if you are the correct person to reach out to, but I saw your contact information online and thought you might be a great starting point. I’m trying to find…
Personal Auto Cancellation
Question Personal Auto Cancellation This question was answered based upon current rules, regulations & statutes in effect on March 5, 2021 I have an issue with a personal auto that I don’t think I can solve without opening myself up to an E&O. My CSR quoted a former customer who has 4 points. His son…
Surviving Spouse and Original Title
Question Surviving Spouse and Original Title This question was answered based upon current rules, regulations & statutes in effect on March 2, 2021 Can you please check with registry. Vehicle is registered in husbands name only he has passed away. There is still a loan on the car and bank says loan is in both…
HONK Technologies, Inc./Urgently, Inc.
HONK Technologies, Inc./Urgently, Inc., This question was answered based upon current rules, regulations & statutes in effect on June 29, 2021 We were just made aware yesterday that the above two companies are a TNC based application. You download an app and when your vehicle is disabled- you can request road side assistance. We have a…
Trailer C of O’s
Question Trailer C of O’s This question was answered based upon current rules, regulations & statutes in effect on October 28, 2021: We are having this problem the RMV keeping the original Certificates of Origin and not accepting copies. We are sending copies to the RMV but they are declining our paperwork saying they need…
Trailer Only in Personal Name and MAIP
This question was answered based upon current rules, regulations & statutes in effect on February 18, 2021 Is it possible to have a trailer only in a personal name on a MAIP policy? Answer Kathy Cormier: I believe with MAP you need to have an auto in order to have the trailer…Irene? Irene Morrill: The MAIP…
NH Driver on a MA Policy
Question NH Driver on MA Policy This question was answered based upon current rules, regulations & statutes in effect on July 29, 2021 I am hoping that you can assist me… I have an insured who is adamant that I am incorrect because he has “been insured this way for years.” He has a NH Driver’s…
Power of Attorney and Surviving Spouse Affidavit
Question Power of Attorney and Surviving Spouse Affidavit This question was answered based upon current rules, regulations & statutes in effect on July 23, 2021 Vehicle in Husband/Wife name. Wife passed Husband has dementia Daughter has POA for father Can daughter sign the surviving spouse affidavit with the POA to sell the vehicle? Answer Kathy Cormier: Yes,…
Service Vehicles
Question Service Vehicles This question was answered based upon current rules, regulations & statutes in effect on September 29, 2021 Have another question for you . . . I have someone telling me that Service Class only applies to Artisans – never heard of this? Answer Irene Morrill: So … per AIB/ISO/CAR commercial lines manual – in…
TNC Coverage
QUESTION This question was answered based upon current rules, regulations & statutes in effect on February 9, 2021 Our insured was working for Door Dash, unbeknownst to us, and had just made her last delivery of the evening. While backing out of the customer’s driveway to head home, she hit a parked car causing $2,498…
Home/Golf Cart
Question Home/Golf Cart This question was answered based upon current rules, regulations & statutes in effect on July 2, 2021 Hello, insured’s vehicle was hit while parked on golf course by a golf cart that rolled into IV. Doesn’t look like there would be coverage under golf cart owner’s homeowner’s policy – would the deductible be…
FREE MARKET ACCESS with Big “I” Markets?
FREE MARKET ACCESS with Big “I” Markets? All MAIA members have free access to IIABA’s online market portal Big “I” Markets to quote and sell the products you need such as affluent homeowner, bond, small commercial package, habitational, standard automobile, standard and non-standard homeowner, and more! Sign up today & start quoting! Go to www.bigimarkets.com. Click Sign-Up to complete their online registration. There’s no waiting…
FREE MARKET ACCESS with Big “I” Markets?
FREE MARKET ACCESS with Big “I” Markets? All MAIA members have free access to IIABA’s online market portal Big “I” Markets to quote and sell the products you need such as affluent homeowner, bond, small commercial package, habitational, standard automobile, standard and non-standard homeowner, and more! Sign up today & start quoting! Go to www.bigimarkets.com. Click Sign-Up to complete their online registration. There’s no waiting…
Tech Talk: Is Your Client “Adequately Insured” in Today’s Inflationary World?
Tech Talk: Is Your Client “Adequately Insured” in Today’s Inflationary World? Irene Morrill CPCU, CIC, ARM, CRM, CRIS, MLIS, LIA, CPIW VP Technical Affairs, MAIA I don’t mean to be an alarmist, but in today’s inflationary supply chain problem economy we really need to address current rebuild property values with our clients. The downside of subscribing…