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…
Lack of Offering Flood Can Lead to EO Claims and Broken Hearts
Lack of Offering Flood Can Lead to E&O Claims and Broken Hearts Failure to offer proper coverage is one of the top reasons for E&O claims. And that includes the failure to offer flood. Here’s a true scenario of a love triangle gone wrong: A Condo Association purchases a flood policy from an Agent. The…
Hospitality Product News! Package Policy & Pay As You Pour
Hospitality Product News! Package Policy & Pay As You Pour MAIA’s Number One Agency would love to talk to you about some great new options from Hospitality Mutual! Their new multiline Package Policy combines Commercial Property, General Liability, and Liquor Liability into a single policy. And the new Pay As You Pour Program helps clients…
Campers and Travel Trailers
Question Campers and Travel Trailers This question was answered based upon current rules, regulations & statutes in effect on April 12, 2021 A question just recently came up regarding general Liability exposure for Camper trailers (Fifth wheels and travel trailers). We know that liability is extended to camper trailers while they are attached to the…
MAIA Advocates for Exclusion of PPP Loans from Taxable Income
MAIA Advocates for Exclusion of PPP Loans from Taxable Income Going to bat for agents after hearing their concerns, MAIA contacted several members of the MA House/Senate leadership to express our support for SD.172, An Act providing financial relief to small businesses during the COVID-19 pandemic. This legislation would allow for critical financial relief to…
Learner’s Permit Practice Exams Available on RMV Website
Learner’s Permit Practice Exams Available on RMV Website Class D Learner’s Permit exams are now available on mass.gov/RMV in the Exams section when a customer logs in to MyRMV. Users have 25 minutes to answer 25 random questions. This will help them know the type of questions to expect on the real exam, and…
Trailer Proof of Ownership
Question Trailer Proof of Ownership This question was answered based upon current rules, regulations & statutes in effect on April 26, 2021 As far as we’re aware, the MA RMV requires the prior registration of the seller to register a trailer. Is that always the case? What if that is not available? Is there a…
Altering an Acord Form
Question Altering an Acord Form This question was answered based upon current rules, regulations & statutes in effect on April 13, 2021 Hi, I believe back in 2019 or 2010 the rules/regulations by Acord changed which we were no longer able to type 30 day notice of cancellation, 10 for non-payment on the certificates. Can…
Pickup Trucks and Commercial Auto Rating
Question Pickup Trucks and Commercial Auto Rating This question was answered based upon current rules, regulations & statutes in effect on April 15, 2021 In your experience, have you ever seen a Pickup Truck rated as a Private Passenger Auto on a Commercial Auto Policy? In my experience, I have only seen sedans, SUVs and…
Moped Question
Question Moped Question This question was answered based upon current rules, regulations & statutes in effect on April 15, 2021 We have an insured who wants to purchase a moped that does not have the ability to go more than 30MPH. He is advising that he has friends in college who drive mopeds around without…
Deceased Owner and Registration Renewal
Question Deceased Owner and Registration Renewal This question was answered based upon current rules, regulations & statutes in effect on April 16, 2021 We have a client, now deceased whose car is in probate. Once it clears probate, her son plans to sell it. However, he’d like to use it for the next couple of…
Grub Hub
Question Grub Hub This question was answered based upon current rules, regulations & statutes in effect on April 15, 2021 Good Afternoon I’m guessing it is up to the specific company…but are there any issues with clients working, part time, for Grub Hub? I’m assuming Class 30? I also don’t know if there is an…
FEMA Issues Timeline for All-New NFIP Flood Risk Rating System
FEMA Issues Timeline for All-New NFIP Flood Risk Rating System FEMA has been working on Risk Rating 2.0, a complete overhaul of the NFIP flood risk rating pricing methodology that has not been updated in 50 years. And now we know when Risk Rating 2.0 will go live: October 1, 2021 for new business and…
Answers to Your Questions about Reassigning PAN Plates
Answers to Your Questions about Reassigning PAN Plates After last week’s MassAgent story about the Registry now allowing red PAN plates to be transferred from one person to another, MAIA’s received questions from member agents asking about fees, who could transfer to whom, and more. MAIA Member Relations Advocate Kathy Cormier followed up with the…
Driver With Suspended License and Claim
Question Driver with Suspended License and Claims 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…
Driver With Suspended License and Claim
Question Driver with Suspended License and Claims 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…
Auto Coverage
Question Auto Coverage This question was answered based upon current rules, regulations & statutes in effect on March 31, 2021 Why do premiums change when drivers are deleted and or added(deferred) to an auto policy. Usually increases when drivers are deleted. Can someone explain the factors that causes this to happen. We need to know…
Auto Coverage
Question Auto Coverage This question was answered based upon current rules, regulations & statutes in effect on March 31, 2021 Why do premiums change when drivers are deleted and or added(deferred) to an auto policy. Usually increases when drivers are deleted. Can someone explain the factors that causes this to happen. We need to know…
Out of State RV Purchase
Question Out of State RV Purchase This question was answered based upon current rules, regulations & statutes in effect on April 1, 2021 We have an insured who purchased an RV in Florida… it has yet to be registered. They came up on a Temp plate, did not use their existing plate as a transfer. …
MAP and Disabled Minor
Question MAP and Disabled Minor This question was answered based upon current rules, regulations & statutes in effect on April 9, 2021 Good Morning, We have a Customer, The vehicle that need to go in the name of a 12 year old Handicapped girl so I need to put application and title in her name…
Claim Against Amazon Truck
Question Claim Against Amazon Truck This question was answered based upon current rules, regulations & statutes in effect on May 11, 2021 I have a situation that I need help with. One of my customers had an accident with an Amazon truck. My insured was driving down the main road and the Amazon truck came out…
15 Passenger Van and the MAP
Question 15 Passenger Van and the MAP This question was answered based upon current rules, regulations & statutes in effect on March 31, 2021 Hope you are doing well and staying sane! It’s been a while since I’ve gone through the MA PAP. Where is it specified that there is coverage for BI, PD and…
15 Passenger Van and the MAP
Question 15 Passenger Van and the MAP This question was answered based upon current rules, regulations & statutes in effect on March 31, 2021 Hope you are doing well and staying sane! It’s been a while since I’ve gone through the MA PAP. Where is it specified that there is coverage for BI, PD and…
CARVANA Question 2
Question CARVANA Question 2 This question was answered based upon current rules, regulations & statutes in effect on April 7, 2021 Our agency has read your tech talk regarding the Carvana issue in MA. As an agency we will not stamp an RTA for any vehicle purchase unless the back of the title is signed…
Registration in Name of Partnership
Question Registration in Name of Partnership This question was answered based upon current rules, regulations & statutes in effect on April 8, 2021 I have a question – we have a client coming into MA from NH. He is looking to register/insure his NH Auto now to MA… currently in NH the vehicle is titled…
Lease Vehicle Buy Out
Question Lease Vehicle Buy Out This question was answered based upon current rules, regulations & statutes in effect on April 5, 2021 My customer bought out her lease and the leasing company said she can keep the same plate. Under the RTA would this be Register & Title a Vehicle? Answer Irene Morrill: There is nothing…
FEMA Issues Timeline for All-New NFIP Flood Risk Rating System
FEMA Issues Timeline for All-New NFIP Flood Risk Rating System FEMA has been working on Risk Rating 2.0, a complete overhaul of the NFIP flood risk rating pricing methodology that has not been updated in 50 years. And now we know when Risk Rating 2.0 will go live: October 1, 2021 for new business and…
Insurance Without Registration
Question Insurance Without Registration This question was answered based upon current rules, regulations & statutes in effect on April 5, 2021 Can a vehicle be on a MA Commercial Policy if the vehicle does not have a MA Registration? Answer Irene Morrill: There is nothing in the policy that says it has to be registered…
Trailer Used by Non-Owner and Physical Damage
Question Trailer Used by Non-Owner and Physical Damage This question was answered based upon current rules, regulations & statutes in effect on March 25, 2021 A son registers a trailer in his name and adds collision and comp coverage. The father has a pickup (different policy) pulls the trailer; I know the liability follows from…
FEMA Issues Timeline for All-New NFIP Flood Risk Rating System
FEMA Issues Timeline for All-New NFIP Flood Risk Rating System We’ve known that FEMA was overhauling the NFIP flood risk rating pricing methodology, which has not been updated in 50 years. And now we know when Risk Rating 2.0 will go live: October 1, 2021 for new business and eligible renewals! Read More From FEMA…
FEMA Issues Timeline for All-New NFIP Flood Risk Rating System
FEMA Issues Timeline for All-New NFIP Flood Risk Rating System We’ve known that FEMA was overhauling the NFIP flood risk rating pricing methodology, which has not been updated in 50 years. And now we know when Risk Rating 2.0 will go live: October 1, 2021 for new business and eligible renewals! Read More From FEMA…
Back Date A Plate Cancellation
Question Back Date A Plate Cancellation This question was answered based upon current rules, regulations & statutes in effect on March 15, 2021 I was hoping you could help me with this transaction. One of our insured asked us to cancel a plate back in 10/2020. Somehow that request was missed and it was…
FEMA Issues Timeline for All-New NFIP Flood Risk Rating System
FEMA Issues Timeline for All-New NFIP Flood Risk Rating System Content Html: New ContentHtml We’ve known that FEMA was overhauling the NFIP flood risk rating pricing methodology, which has not been updated in 50 years. And now we know when Risk Rating 2.0 will go live: October 1, 2021 for new business and eligible renewals!…
FEMA Issues Timeline for All-New NFIP Flood Risk Rating System
FEMA Issues Timeline for All-New NFIP Flood Risk Rating System Content Html: New ContentHtml We’ve known that FEMA was overhauling the NFIP flood risk rating pricing methodology, which has not been updated in 50 years. And now we know when Risk Rating 2.0 will go live: October 1, 2021 for new business and eligible renewals!…
2A & LPR Requirements
Question 2A & LPR Requirements This question was answered based upon current rules, regulations & statutes in effect on March 23, 2021 Good morning, we recently had an agency reject our 2A & LPR to cancel a new client’s former auto & home policies that we have written. Prior agent would not accept the signed…
Recycle Metal Plates
Question Recycle Metal Plates This question was answered based upon current rules, regulations & statutes in effect on March 24, 2021 I hope all is well. At this point when an insured brings in their metal plate for cancellation we cut then in half with tin snips and place them in a locked dumpster. Are…