Tech Talk: MAP and Renting an Auto: Let’s Dispel This Ugly Rumor Once and For All
Tech Talk: MAP and Renting an Auto: Let’s Dispel This Ugly Rumor Once and For All By Irene Morrill, CPCU, CIC, ARM, CRM, LIA, CRIS, CPIW — VP of Technical Affairs, MAIA
Got Lawyer Clients? Get Number One’s LPLI Program
Got Lawyer Clients? Get Number One’s LPLI Program Agents: If you insure a lawyer for their auto, home, or business but not their professional liability… ask yourself why. (And then ask them to let you quote their LPLI policy!)
And the Award Goes to… Massachusetts Agents!
And the Award Goes to… Massachusetts Agents! L-R: Nick Fyntrilakis, Joe Leahy, John Koegel, Ray Gallant Massachusetts again received the National Championship Award for the most contributions of any state to InsurPac. John Koegel, Chairman, MAIA; Ray Gallant, National Director and InsurPac National Chairman; and Nick Fyntrilakis, MAIA President and CEO accepted the award on…
Additional Insured vs. Named Insured
Additional Insured vs. Named Insured QUESTION This question was answered based upon current rules, regulations & statutes in effect on April 11, 2019 Should a person that is listed on a deed but doesn’t reside in the residence be listed as a named insured or additional insured?
Company Refusal to Add Driver – Can they do this
Company Refusal to Add Driver – Can they do this QUESTION This question was answered based upon current rules, regulations & statutes in effect on April 11, 2019 We have a client who recently bought an additional car. Their son had an injury and is disabled. The additional car was bought for their son’s friend…
Diminished Value
Diminished Value QUESTION This question was answered based upon current rules, regulations & statutes in effect on April 12, 2019 I have a client who is filing a diminished value claim against a carrier. The claim rep for the carrier stated the Massachusetts has stopped diminished value claims against insurance carriers effective 12/2017. Please advise…
Commercial Truck and Personal Trailer
Commercial Truck and Personal Trailer QUESTION This question was answered based upon current rules, regulations & statutes in effect on April 18, 2019 Our client has a business auto policy in his and his wife’s name and DBA which covers a truck registered in his name using the business tax id #. He is not…
Total Loss and Federal Excise Tax Reimbursement
Total Loss and Federal Excise Tax Reimbursement QUESTION This question was answered based upon current rules, regulations & statutes in effect on April 30, 2019 I was wondering whether you or someone at your office could assist me with the following dilemma that I am having with settling a claim for one of my insureds……
No Auto? No Problem! RLI is the Answer You’ve Been Looking For!
No Auto? No Problem! RLI is the Answer You’ve Been Looking For! Do you have clients that do not own a personal vehicle, but would like the coverage of an umbrella over their property? RLI will provide coverage for clients with no personal auto, as long as they agree to carry the underlying coverage if…
Rental and CDW
Rental and CDW QUESTION This question was answered based upon current rules, regulations & statutes in effect on April 30, 2019 Good Morning, My co-worker and I are disagreeing on what coverage transfers from a MA auto policy to a vacation rental car. She feels that if the vehicle on the policy is old it’s…
Partners Insurance Group Continues Their Support for the Philanthropy Factory
Partners Insurance Group Continues Their Support for the Philanthropy Factory Partners Insurance Group, LLC and Arbella Insurance Foundation have supported “Gifts to Give” once again. Partners Insurance Group, presented two checks in the amount of $1,000 to “Gifts to Give,” continuing a tradition of support for the “philanthropy factory” in Acushnet, Massachusetts, where young people…
Kit Car Coverage
Kit Car Coverage QUESTION This question was answered based upon current rules, regulations & statutes in effect on May 1, 2019 I called this afternoon and was directed to email you to pick your brain as a benefit of membership. I’m hopeful you can point me in the right direction. We have an insured who…
UM/UIM Coverage on Umbrella
UM/UIM Coverage on Umbrella QUESTION This question was answered based upon current rules, regulations & statutes in effect on May 1, 2019 I have an insured that is inquiring about UM/UIM coverage on umbrella policy. He currently has his limits maxed out on his auto policy but he wants more coverage! His friend was in…
Trailers Parked for Season
Trailers Parked for Season QUESTION This question was answered based upon current rules, regulations & statutes in effect on May 1, 2019 My insured has a fifth wheel that he keeps at a campground for the summer. I know under the auto policy, it states if used as residence it is not covered. It also…
Vehicle Sale to a Minor
Vehicle Sale to a Minor QUESTION This question was answered based upon current rules, regulations & statutes in effect on April 29, 2019 We have an Insured who is 16 and has a valid mass drivers license. He was trying to purchase a vehicle and the dealership is telling him he cannot register the vehicle…
MAIA Meets with MA Congressional Delegation at Legislative Conference in DC
MAIA Meets with MA Congressional Delegation at Legislative Conference in DC A contingent of more than 20 MAIA members has returned from the 2019 Big “I” Legislative Conference in Washington, DC, with renewed excitement and determination. The group visited the offices of our Massachusetts delegation to discuss Big “I” legislative priorities. Pictured are MAIA board…
Patrick Dempsey Named InsurPac Young Agent of the Year
Patrick Dempsey Named InsurPac Young Agent of the Year In a ceremony at the Big “I” Legislative Conference in Washington, DC, last week, MAIA Board Member Patrick Dempsey was named the InsurPac Young Agent of the Year. The award recognizes one young agent in the country who has exemplified leadership and commitment to InsurPac, the…
Has Your Agency Outgrown its Shoes?
Has Your Agency Outgrown its Shoes? You know the old saying about the cobbler’s children having no shoes? Well, ask yourself this: Has your agency been outgrowing its coverage while you’ve been busy hammering out great protection for your clients? It happens! Fortunately, MAIA’s Number One Agency can get you a Big “I”-RLI Agency Package…
HO 24 13
HO 24 13 QUESTION This question was answered based upon current rules, regulations & statutes in effect on April 29, 2019 I need your expertise on this endorsement. Is there any case-law for using this endorsement to get road liability coverage for a personal use tractor ? If not, how do agents handle getting liability…
Binding Authority and Endorsements
Binding Authority and Endorsements QUESTION This question was answered based upon current rules, regulations & statutes in effect on April 11, 2019 We have a client who recently bought an additional car. Their son had an injury and is disabled. The additional car was bought for their son’s friend who is using the car to…
Named Insureds
Named Insureds QUESTION This question was answered based upon current rules, regulations & statutes in effect on April 11, 2019 We have a MA Auto risk for a father who solely owns a vehicle and his daughter who solely owns her vehicle. They are the only household residents. I’m getting mixed feedback on whether we…
Auto towed on a trailer
Auto towed on a trailer QUESTION This question was answered based upon current rules, regulations & statutes in effect on April 11, 2019 Good Afternoon Irene!!! I believe you have addressed this question before in Question of the Day but I can’t find it…. We have an insured with a regular auto policy and an…
Loss of Use on a Rental Car
Loss of Use on a Rental Car QUESTION This question was answered based upon current rules, regulations & statutes in effect on April 17, 2019 Need clarification on whether or not a rental car company can chase and insured and/or their insurance carrier for loss of use on a vehicle? I know carriers aren’t paying…
Help Your Clients Hit the Road With the Right RV Coverage
Help Your Clients Hit the Road With the Right RV Coverage It’s camping show season… prime time for people to pick up a bright, shiny new RV. Has your client contacted you to insure their fabulous new purchase yet? Safeco’s RV Program offers:
Garaging
Garaging QUESTION This question was answered based upon current rules, regulations & statutes in effect on April 17, 2019 MA Auto policy – Looking for feedback on vehicles garaged at college. We (the carrier) expect that garaging should be changed to reflect the vehicle being away at school and will deny a claim if garaging…
New Online Inspection Station Complaint Form
New Online Inspection Station Complaint Form A new online Inspection Station Complaint Form (www.mass.gov/forms/inspection-station-complaint-form) has been created. Customers can use this form to electronically submit a complaint about an inspection station. It can be accessed from both the RMV website (www.mass.gov/rmv) and the Department of Environmental Protection (DEP) website (www.mass.gov/dep). The online form was…
Automatic Extension of Temporary Protected Status (TPS)
Automatic Extension of Temporary Protected Status (TPS) The federal government has advised the RMV that individuals from several countries have had their lawful presence in the United States automatically extended because they were given temporary protected status (TPS). Due to the nature of the extension, a new lawful presence document, such as a new…
Accident with Neighbors Garage
Accident with Neighbors Garage QUESTION This question was answered based upon current rules, regulations & statutes in effect on April 18, 2019 My insured had a car parked in his driveway unregistered/uninsured and was having a company come tow it away for cash. The driveway was long, and the tow truck needed the car pulled…
Umbrella Quotes and MVRs
Umbrella Quotes and MVRs QUESTION This question was answered based upon current rules, regulations & statutes in effect on April 22, 2019 I know this is an issue we (at least EIG) has gone over a few times with you. In regards to quoting an umbrella we know we cannot provide MVR printouts. To obtain…
Appeal of Surcharge
Appeal of Surcharge QUESTION This question was answered based upon current rules, regulations & statutes in effect on April 24, 2019 We have an insured who was surcharged for an accident and at the time liability was determined I questioned it as I thought 50/50 was appropriate for this situation but the adjuster did not…
Personal Truck with Company Signage
Personal Truck with Company Signage QUESTION This question was answered based upon current rules, regulations & statutes in effect on April 25, 2019 Question: one of our insureds registered there truck in their personal name and wants to put their Company Name LLC on the truck can they do that? I have read all about…
WCRIBMA Special Bulletin: Updated Information on Residual Market Share
WCRIBMA Special Bulletin: Updated Information on Residual Market Share The MA Workers’ Compensation Rating and Inspection Bureau (WCRIBMA) released Special Bulletin 05-19, Updated Information on Residual Market Share.
MAIA Announces Classes in New Boston Location!
MAIA Announces Classes in New Boston Location! MAIA’ Education Team is delighted to announce that we’ve added a new classroom location in the heart of Boston’s Seaport District to better serve our members! Starting in June 2019, MAIA will offer classes at the beautiful new WPI Seaport, a state-of-the-art learning space at 303 Congress Street,…
Plate Returns – Date to Cancel MAP
Plate Returns – Date to Cancel MAP QUESTION This question was answered based upon current rules, regulations & statutes in effect on April 24, 2019 Could you verify in the case where the plate for an auto is returned, if we should remove the auto on the date of the plate return or the following…
Garaging – Livery Plate
Garaging – Livery Plate QUESTION This question was answered based upon current rules, regulations & statutes in effect on April 09, 2019 I was wondering if you could let me know if our C.A.R. carrier has the right to garage our private livery van in Springfield even if it “sleeps” in Holyoke every night but…
Voluntary Surrender of License
Voluntary Surrender of License QUESTION This question was answered based upon current rules, regulations & statutes in effect on April 08, 2019 I have a client who no longer drives and is just going to let his license expire. I think he should turn it in and get a Mass ID- is there a form/procedure…
Unlicensed Operator
Unlicensed Operator QUESTION This question was answered based upon current rules, regulations & statutes in effect on April 08, 2019 One of our insured’s daughter had a friend drive who caused at huge at fault accident. Unbeknownst to the daughter, the friend does NOT have a license. He was arrested at the scene & the…
Surviving Spouse
Surviving Spouse QUESTION This question was answered based upon current rules, regulations & statutes in effect on April 08, 2019 I have a surviving spouse that is going to be transferring everything to his name with the surviving spouse affidavit. We have done the RMV-1 along with surviving spouse sheet and we have the death…