PIP
PIP 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 car and they have…
Like Kind and Quality – Rental
Like Kind and Quality – Rental QUESTION Does client have the right to a comparable rental vehicle when going through other at fault party for rental? Company is saying he has a right to ‘reliable’ rental Ex.Insured drives a PU and his $30 rental is not enough to cover it
Vehicles and Expired Registrations
Vehicles and Expired Registrations QUESTION Good morning – my questions pertains to registrations, their expirations, and if coverage is provided or not. – Let’s say a client has a dump truck, and the registration expired the first of the year. The policy runs from October to October, and the client has paid the premium in…
IIABA Legislative Conference, Industry Bulletins, E&O Updates
IIABA Legislative Conference, Industry Bulletins, E&O Updates Gov’t Affairs MAIA Agents Attend Big “I” Legislative Conference More than 20 MAIA members joined 1,000 of their colleagues from the Independent Insurance Agents and Brokers of America (IIABA) on Capitol Hill to address issues facing independent agents last week.
Dual Registration 1
Dual Registration 1 QUESTION This question was answered based upon current rules, regulations & statutes in effect on March 16, 2017
Trust2
Trust2 QUESTION I have been directed to you because you are the insurance guru of ALL! We have a debate going on and cannot come to an agreement: Insured has moved from NH to MA His vehicle is registered in NH in a trust His MA carrier will not provide coverage (except collision and comp)…
Procedure when Client Moves Out-of-State
Procedure when Client Moves Out-of-State QUESTION I have heard different explanations for the situations below. Can you please clarify? Insured moves out of state, we change his policy to reflect new address and notify him that he needs to secure coverage at new location and provide us with a Plate Return Receipt for the MA…
Garage Keepers or GL
Garage Keepers or GL QUESTION This question was answered based upon current rules, regulations & statutes in effect on March 07, 2017
Travel Trailer Parked for Season
Travel Trailer Parked for Season QUESTION Our insured has a Travel Trailer that they pull with their truck, but, use as a residence when they are at a campground. Coverage has been written with Foremost Ins. and liability with their auto carrier when being pulled on the road. My question: Foremost provides only $50,000. Vacation…
Coverage for Parts 3/5/12
Coverage for Parts 3/5/12 QUESTION This question was answered based upon current rules, regulations & statutes in effect on April 14, 2017
Operator Exclusion2
Operator Exclusion2 QUESTION What is a fair time-frame on allowing customers to utilize the Operator Exclusion endorsement on the MAP to credit their policy each and every time their student comes and goes from college? We have some parents that submit the Operator Exclusion from every month their child returns to college, sometimes… Every two…
EVR/DRIVE Dealer Requirements
EVR/DRIVE Dealer Requirements QUESTION This question was answered based upon current rules, regulations & statutes in effect on April 10, 2017
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…