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…
Surviving Spouse – Trailer
Surviving Spouse – Trailer QUESTION We had a surviving spouse transaction on a utility trailer without a title. We sent all applicable PPW to the registry. The clerk stated that they do not do surviving spouse transactions for trailers and then proceeded to charge $20. We were under the impression that this was a free…
Registering a Vehicle from Out-of-Country
Registering a Vehicle from Out-of-Country QUESTION This question was answered based upon current rules, regulations & statutes in effect on August 17, 2012 I couldn’t find any information about registering a vehicle from out of the country. The client owned a motorcycle in China and had it shipped here. He has all the documentation from…
Can A Apportioned Vehicle get a Commercial Plate
Can A Apportioned Vehicle get a Commercial Plate QUESTION This question was answered based upon current rules, regulations & statutes in effect on January 1, 2017
Workers’ Compensation Out-of-State
Workers’ Compensation Out-of-State QUESTION This question was answered based upon current rules, regulations & statutes in effect on July 26, 2016 Our insured, a food truck, will be at an event sponsored by Mohegan Sun Casino. Certificate of Insurance is required noting that WC coverage in CT is adequately covered. Insured will be in CT…
Insolvency Fund
Insolvency Fund QUESTION I recently heard that there is some limitation for payment in the Mass Insolvency Fund if an insured as assets over $1.2 Million. You please let me know where I can find information regarding this. Thanks.
Insured Cancels Plate and Does Not Notify Agent
Insured Cancels Plate and Does Not Notify Agent QUESTION 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 an accident. Has not been removed from the policy as we were not aware he plate…
Surplus Lines 2
Surplus Lines 2 QUESTION We wrote a CPP with a surplus lines company in June and now in September, we received an endorsement changing the original policy form.
Adding Endorsements without Notice to Insured
Adding Endorsements without Notice to Insured QUESTION This question was answered based upon current rules, regulations & statutes in effect on September 13, 2016 We want to add an endorsement/enhancement to some customer’s policy giving more coverage on homeowner’s policy. The pricing is only about $20 anually, is this ok legally without asking the insured…
Record Retention 1
Record Retention 1 QUESTION This question was answered based upon current rules, regulations & statutes in effect on September 19, 2016 What are the laws in MA for client file retention? How many years? Needs to be kept? Between actives files and dead files? We need to do some file cleansing in one of our…
Record Retention 2
Record Retention 2 QUESTION What are the laws in MA for client file retention? How many years? Needs to be kept between actives files and dead files?
Wet Signature 1
Wet Signature 1 QUESTION This question was answered based upon current rules, regulations & statutes in effect on September 20, 2016 Form BR7 – Affidavit by Insured. are being instructed by some surplus brokers that ORIGINAL wet signatures are required to be received from the insured and the placing surplus broker. The filing is done,…
Wet Signature
Wet Signature QUESTION Form BR7 – Affidavit by Insured. Are being instructed by some surplus brokers that ORIGINAL wet signatures are required to be received from the insured and the placing surplus broker. The filing is done; the broker just uploads the info to the state. Do we REALLY need to be submitting to the…
Walking to Car and WC
Walking to Car and WC QUESTION This question was answered based upon current rules, regulations & statutes in effect on September 20, 2016 Worker has finished work at 5:00 p.m. and left the office but falls while walking out to her vehicle in the parking garage. Workers’ Compensation coverage?
Auto Binder
Auto Binder QUESTION This question was answered based upon current rules, regulations & statutes in effect on January 30, 2017
Garaging A
Garaging A QUESTION This question was answered based upon current rules, regulations & statutes in effect on February 02, 2017
How do you Determine Personal Policy vs. Commercial Policy
How do you Determine Personal Policy vs. Commercial Policy QUESTION Good Morning,
MAP and BAP – Renting for Business/Personal Use
MAP and BAP – Renting for Business/Personal Use QUESTION My client is insured on a MA personal auto policy with his regular use vehicle classified as business use. He is self-employed and he owns several pieces of real estate owned via separate LLCs or partnerships. He travels 6-12 times out of state during the year…
2A/LPR Replacing Company within Same Agency
2A/LPR Replacing Company within Same Agency QUESTION This question was answered based upon current rules, regulations & statutes in effect on January 26, 2017 When replacing a policy from one carrier to another carrier within the agency, is a 2A or an LPR required? Since we do most of the cancellation uploading ourselves, the 2A…
Unlicensed CSR’s
Unlicensed CSR’s QUESTION So many agencies allow unlicensed customer service reps to quote, discuss coverage, take applications and premium on new business. Changes to policies by adding new cars, adding coverage and answer questions about coverage. Times the agent is not in the office when this activity is happening. These CSR’s be licensed? goes on…
Regulations in MA
Regulations in MA QUESTION This question was answered based upon current rules, regulations & statutes in effect on September 28, 2016
Organ Donor
Organ Donor QUESTION If you renewed your license on line and by mistake put down you wanted to be an organ donor how you change it. Thanks
2A 1
2A 1 QUESTION This question was answered based upon current rules, regulations & statutes in effect on January 5, 2017 Progressive just informed me that 2A forms have not been required since 1998 and they no longer send them. Is this true?!! If so, I think it’s time for me to retire!