Intentional Act
Intentional Act QUESTION My friend’s daughter intentionally drove her vehicle off the road and struck a tree. She passed and when her parents went to her apartment they found the suicide note. Up this is devastating. The state police are asking for permission to check the data on the vehicle to determine cause and they…
Registration Cancelled On-Line and Left on Vehicle
Registration Cancelled On-Line and Left on Vehicle QUESTION This question was answered based upon current rules, regulations & statutes in effect on February 17, 2017 My insured turns in a plate online and does not take the plate off the car. Are unaware he plate has been turned in. Drives the car and gets in…
Changes in Terrorism Exclusions – Fire Following Coverage?
Changes in Terrorism Exclusions – Fire Following Coverage? QUESTION This question was answered based upon current rules, regulations & statutes in effect on May 10, 2016
Distracted Driving
Distracted Driving QUESTION This question was answered based upon current rules, regulations & statutes in effect on April 10, 2017
UBER and Registration
UBER and Registration QUESTION We are confused. If you use your personal vehicle to drive for UBER don’t you need to have livery plates on your personal vehicle and a commercial policy covering it? Now some companies are giving some coverage while the vehicle is between pickups – can you use your personal plates to…
Camper Policy for Non-Resident
Camper Policy for Non-Resident QUESTION This question was answered based upon current rules, regulations & statutes in effect on March 31, 2017
a Tractor – Plate v. Policy
a Tractor – Plate v. Policy QUESTION This question was answered based upon current rules, regulations & statutes in effect on March 31, 2017 We have a client that is looking to register a tractor here in MA. How does one go about this? Can the tractor be insured on an auto policy?? Many thanks…
Listed Operators2
Listed Operators2 QUESTION Hey Kathy hope your weekend is going well. I have a friend that I was going to quote on his auto insurance but he has an unrelated high school student staying in his house until the end of June. The student has a policy of his own. Do I still have to…
Announcement of Facing the Future Together Conversations
Announcement of Facing the Future Together Conversations MAIA News Facing the Future Together – Your Invitation
Dealer Document Prep. Fees
Dealer Document Prep. Fees QUESTION This question was answered based upon current rules, regulations & statutes in effect on April 3, 2017
Delivery of Food to Schools
Delivery of Food to Schools QUESTION This question was answered based upon current rules, regulations & statutes in effect on April 3, 2017
Must a Licensed Producer be on Premises at all Times
Must a Licensed Producer be on Premises at all Times QUESTION Does a licensed insurance agent need to be on site for all hours that an agency is open? There somewhere where I could find the legal requirements for the agency? are questioning this as we have a difference of opinion on the matter and…
Charges on Ceded Auto
Charges on Ceded Auto QUESTION Do commercial ceded auto carriers set their own installment charges for direct bill accounts? Recently noticed carrier charges 1.25% of the balance as the installment charge instead of a fixed monthly charge. all ceded carriers do this? do not have too much ceded business especially with high premiums so guess…
Livery Garaging
Livery Garaging QUESTION What is the rule for Livery auto policies when it comes to garaging. Recently my companies are charging the clients if they drive in Boston or any City to and from Airport the company is using agaraging territory of Boston or the highest rated city.Insureds are becoming very frustrated with this the…
Cancel and Re-Issue Low Number Plate
Cancel and Re-Issue Low Number Plate QUESTION This question was answered based upon current rules, regulations & statutes in effect on March 27, 2017
PUP and Using Company Auto
PUP and Using Company Auto QUESTION If a client has both a personal auto on a MAP and a company car insured under his employer’s BAP, would he need the Drive Other Car endorsement on the BAP or Use of Other Autos endorsement on the MAP in order to satisfy personal umbrella requirements when he…
PIP Claim
PIP Claim QUESTION Hi, so there is a husband & wife with 2 separate policies and 2 separate companies. BOB is driving WIFE MARY’S car who is insured through MetLife & backs up running over STEP SON’s foot. Would MARY’S PIP react with her MetLife policy or would BOB’s own policy with ARBELLA react? And…
E-Signatures
E-Signatures QUESTION This question was answered based upon current rules, regulations & statutes in effect on March 28, 2017
Young Agent Updates – March 2017
Young Agent Updates – March 2017 The Young Agents Committee is proud to publish our first newsletter of 2017! The Young Agents Committee and MAIA have a number of events coming up this year; from the YAC Golf outing, Big I Legislative Conference, and the Big Event, we are staying very busy. Throughout the year…
Property Damage Liability and the HO Policy – When There Isn’t Coverage
Property Damage Liability and the HO Policy – When There Isn’t Coverage Property Damage Liability and the HO Policy – When There Isn’t Coverage By Irene Morrill, CPCU, CIC, ARM, CRM, LIA, CRIS, CPIW VP of Technical Affairs, MAIA
Form 91 vs 2011
Form 91 vs 2011 QUESTION This question was answered based upon current rules, regulations & statutes in effect on August 8, 2017
EVR/DRIVE for Agents
EVR/DRIVE for Agents QUESTION This question was answered based upon current rules, regulations & statutes in effect on March 29, 2017
Dump Truck and Up-to-Date Registration
Dump Truck and Up-to-Date Registration QUESTION This question was answered based upon current rules, regulations & statutes in effect on March 20, 2017
Rideshare
Rideshare QUESTION This question was answered based upon current rules, regulations & statutes in effect on March 21, 2017 I usually email Donna McKenna my personal lines questions, so I hope you don’t mind if I have questions for you. If you are not the one to answer this question, please let me know who…
Out of State Corporation for Registration
Out of State Corporation for Registration QUESTION Quick question…if a company corporation is registered in Delaware but operates in MA, will we be able to register a vehicle in MA?
PIP in a Rental Vehicle
PIP in a Rental Vehicle QUESTION I received a call from an agent with a PIP question. Client rented a car on vacation Rental involved in an accident with injury to client (who was not at fault) Safeco is saying that they will not pay out on PIP because the client was not in their…
E-Title for Re-registration Purposes
E-Title for Re-registration Purposes QUESTION This question was answered based upon current rules, regulations & statutes in effect on March 9, 2017
Out-of-State Record for Merit Rating
Out-of-State Record for Merit Rating QUESTION I attended your RMV training class last week (thank you), and during class I something to you I didn’t understand, and wonder if you could help me with it…. A coworker of mine moved from NH to MA in 2015. She has no incidents in NH. She is showing…
Non-Owned & Hired Auto
Non-Owned & Hired Auto QUESTION Hi, pool non owned and hired auto policies cover independent contractors if hired to do delivery (food) for the insured? The independent contractor has a personal auto policy. Thank you.
Waiver of Deductible (a)
Waiver of Deductible (a) QUESTION This question was answered based upon current rules, regulations & statutes in effect on March 13, 2017 My insured was sideswiped by identified O.P. in traffic. Co withheld deductible even though she has the waiver. We were advised that in the absence of corroborating evidence, the best we could hope…
Substitute Transportation 2
Substitute Transportation 2 QUESTION My friend borrows my vehicle (with permission). Is involved in an accident (friend is not at fault) in my car. I don’t carry rental but the friend (driver) does. Can the friend go back to their own policy and rent a car and then either allows me to drive it (or…
Loading/Unloading
Loading/Unloading QUESTION Commercial Auto, loading and unloading when you have a wheelchair ramp, is this covered?
Defer Operator
Defer Operator QUESTION This question was answered based upon current rules, regulations & statutes in effect on March 13, 2017
Referrals from Car Dealers
Referrals from Car Dealers QUESTION This question was answered based upon current rules, regulations & statutes in effect on March 9, 2017 Hello, my question is regarding referral fees. Is it legal to pay for leads in MA, specifically to auto dealers? I found this old newsletter with some guidance: https://www.massagent.com/info/maaugust302012.pdf Is this information still relevant?
Salvage Titles and Trucks
Salvage Titles and Trucks QUESTION My Manager Nancy gave me your contact information; I am hoping you can clarify something for me.
Surviving Spouse – Trailer 1
Surviving Spouse – Trailer 1 QUESTION This question was answered based upon current rules, regulations & statutes in effect on October 19, 2016 We had a surviving spouse transaction on a utility trailer with out a title. We sent all applicable PPW to the registry. The clerk stated that they do not do surviving spouse…