Replacement Cost Estimator
Question Replacement Cost Estimator This question was answered based upon current rules, regulations & statutes in effect on March 18, 2021 I thought I remembered hearing in one of your classes that we should not be releasing replacement cost estimators to lenders or even to the insured’s. Am I correct? If I am what…
WC New Business Incentive Plan EXTENDED through July!
WC New Business Incentive Plan EXTENDED through July! Spring is here, and MAIA’s Number One Agency wants to put more “green” in your pocket by extending our incentive for Workers’ Comp new business! The plan has been such a success that we’ve decided to continue it through July 31st. So keep that business coming. Help…
Commercial Trailer Registration and MA BAP
Question Commercial Trailer Registration & MA BAP This question was answered based upon current rules, regulations & statutes in effect on March 12, 2021 I’m hoping one of you can help me with something I’ve come across. We have a PL client for whom I am quoting the CL trucking business. He currently has…
Named Insured Non-Spouse Situation
Named Insurance Non-Spouse Situation This question was answered based upon current rules, regulations & statutes in effect on March 12, 2021 I’m not sure if you are the right person to email about this so I apologize ahead of time if you are not…. Our agency is looking to get clarification on where the state…
Cancel Plate Registration
Question Cancel Plate After Vehicle Sold This question was answered based upon current rules, regulations & statutes in effect on March 8, 2021 I am trying to turn in plates in my office for a customer. The vehicle has been given to her nephew who has already registered the vehicle. When I go to turn…
Boat Claim – Wind vs. Collision
Question Boat Claim – Wind vs. Collision This question was answered based upon current rules, regulations & statutes in effect on March 5, 2021 We have a claim denial on a boat claim that I think should be covered. The boat is NOT insured on a boat policy. The only coverage (physical damage) coverage that…
Private Sale with Even Trade
Question Private Sale with Even Trade This question was answered based upon current rules, regulations & statutes in effect on March 8, 2021 I have a client who is doing an even trade thru a private sale on a motorcycle. Can this be done? How would he write up a bill of sale? Would we…
Workers’ Comp. Limited Out-of-State Endorsement
Workers’ Comp. Limited Out-of-State Endorsement This question was answered based upon current rules, regulations & statutes in effect on February 9, 2021 I hope you both are well and staying safe. Quick question on Massachusetts Assigned Risk workers compensation. A Mass based business is doing some work in NH. This is a Massachusetts based company and none…
Special Plate Reassignment
Question Specialty Plate Transfer This question was answered based upon current rules, regulations & statutes in effect on March 8, 2021 I’m working with a client who is buying out their lease. They currently have a specialty plate that was transferred from her name into the lease. If possible, she is interested in keeping the…
What Can I Tell You About Our MA PFML Product Line?
What Can I Tell You About Our MA PFML Product Line? Every quote I’ve delivered so far is lower than the state pricing! The application process is easy! The policy automatically renews! No annual census is needed! Required coverage means a consistent flow of commissions for your agency! That’s what Number One’s Ann Tobin says…
Incorrect Information on Police Report – Total Loss
This question was answered based upon current rules, regulations & statutes in effect on August 25, 2020 QUESTION I do not know if you are able to provide any assistance but I am at a total loss. I have an insured whose vehicle was hit while it was parked in front of her home. The…
RMV Further Extends CDLs, CLPs & CDL Medical Certificates
RMV Further Extends CDLs, CLPs & CDL Medical Certificates The MA RMV has extended Commercial Driver’s Licenses (CDLs), Commercial Learner’s Permits (CLPs), and CDL Medical Certificates (DOT Medical Cards) to May 31, 2021. This will be the final extension. The RMV is working on updating customer records in ATLAS; the new expiration dates will display…
Why Are You Still Monkeying Around with Flood?
Why Are You Still Monkeying Around with Flood? Is flood taking up your account managers’ time? Are you always stumbling to quote or endorse flood? Get the monkey off your back! Roll your flood book to MAIA’s Number One Agency! Our experienced Flood Concierge team can sell and service your flood accounts for you,…
Senior Hours Extended Through March
Dedicated Wednesday appointment hours for customers 75 years of age or older have been extended through March. These appointments will be available to all customers 75 years of age or older.
Operator Assignment
Question Operator Assignment This question was answered based upon current rules, regulations & statutes in effect on March 17, 2021 Insured has two cars and three drivers. Dad point 2 Mom point 99 Daughter point 3 If I put both cars on one policy. Newer car gets daughters points, older car gets Dad’s point To…
ATLAS Issue with Mismatched Territory Codes Now Resolved
The MA Private Passenger Automobile Statistical Plan incorporated new territory codes for New Jersey (997) and Pennsylvania (998) effective 1/1/2021. When the ATLAS database was updated with the new codes, the system was inadvertently changing incident locations stored as Other (999) to Pennsylvania (998), particularly on Claims and Out-of-State Incidents. The system error has now…
Special Bulletin: MAIA’s Fair & Accurate Quotes Bill Becomes Law!
We are happy to announce that key language from “An Act Relative to Fair and Accurate Motor Vehicle Insurance Quotes”, was incorporated into the Economic Development Bill that was signed yesterday by Governor Baker. MAIA proposed the Fair and Accurate Quotes Bill after fielding complaints from members who were losing business to direct writers due…
Temporary Licenses and IDs Extended to 60 Days
Effective January 14th, temporary licenses (all classes) and ID cards printed on secure card stock will be valid for 60 days. They were previously valid for 30 days. Temporary licenses and ID cards issued prior to January 14th will still only be valid for their original 30-day period.
Online Learner’s Permit Exams Available in All ATS Languages
Beginning January 14th, online Class D and Class M Learner’s Permit Exams will be available in ALL of the languages that are available through the Automated Testing Station (ATS). Customers will be able to choose any of the following languages when taking an exam online.
Please Fill Out Cover Sheets Completely When Doing Registry Drops!
The Registry has asked us to remind our members that cover sheets must be filled out completely for individual and commercial transactions brought to Registration Drop Off Centers. They have noticed a trend where agents/runners/dealers are skipping some sections on the cover sheets, and then the clerk does not have what they need to finish…
Principal Place of Business
This question was answered based upon current rules, regulations & statutes in effect on November 13, 2020 I have a question on a Maine registered vehicle. I have a commercial insured (Massachusetts business) that has reregistered one of his commercial trucks in Maine that was previously registered in Massachusetts. My Massachusetts auto carrier indicates…
BAP Rate Change Mid Term
This question was answered based upon current rules, regulations & statutes in effect on November 13, 2020 I have a Customer with Progressive -on a Commercial Auto policy. When we wrote the policy back in May the Premium was around $21,000 Since then they have continually increased the Premium – It is now around…
Commercial Credentials (CDLs & CLPs) and Medical Certificates Extension
The expiration dates for Commercial Driver’s Licenses (CDLs), Commercial Learner’s Permits (CLPs), and CDL Medical Certificates have all been further extended to February 28, 2021. Customer records will be updated to reflect the new expiration date.
Registration vs. Insurance Coverage
This question was answered based upon current rules, regulations & statutes in effect on November 13, 2020 We are having a debate in the office regarding coverage once an RTA is stamped. For instance, we are writing a new policy effective today. RTA dated and stamped today for new plates. The insured has the…
OOS Vehicle new to MA
This question was answered based upon current rules, regulations & statutes in effect on December 09, 2020 I hope you can help clarify for me regarding registering and titling vehicles from out of state. I have an insured who recently moved from Michigan and is looking to register and title his 2 vehicle in…
Home Binder
This question was answered based upon current rules, regulations & statutes in effect on December 10, 2020 You might be my auto expert but now I have question on home for anyone that wants to help me. I have a mortgage company insisting on a replacement cost estimator for a closing. I don’t think…
Commercial Registration Renewal Mailing Delays
The RMV is processing commercial registration renewals on the same day they are received. However, due to mailing delays with the U.S Postal Service, it is taking longer than usual for customers to receive their new registrations and decals in the mail. Once these renewals have been processed, ATLAS will show that they have been…
ACV or RC
This question was answered based upon current rules, regulations & statutes in effect on December 17, 2020 I hope all is well. I am hoping that you can clarify something for me. I have an insured who’s dwelling and shed was hit by a tenant driving his vehicle and then took off and was…
Registration Renew One Owner Passed Away
This question was answered based upon current rules, regulations & statutes in effect on December 7, 2020 I’m having a brain cramp with this one. I have a client with revoked plates, that are in the name of her deceased husband and her. We need to reinstate the plate. Do I issue the RTA…
RMV Adds First-Time Drivers Webpage
The RMV has created a new webpage for first-time drivers: www.mass.gov/guides/first-time-driver-start-here
License Surrender for Medical Reasons
This question was answered based upon current rules, regulations & statutes in effect on December 7, 2020 My client needs to turn in her license she is no longer driving due to her eyesight. AAA told her that the Wilmington RMV branch cannot due MA Id’s to replace her license. She lives in Woburn what…
Dealership Fees and Sales Tax
This question was answered based upon current rules, regulations & statutes in effect on December 2, 2020 Have you ever heard of car dealerships charging sales tax on their document preparation fees?
Lease Buy Out
This question was answered based upon current rules, regulations & statutes in effect on November 2, 2020 Insured bought out lease. Is the leasing company required to fill out and sign RTA application. If not would we just treat it as private sale and issue RTA from the agency? Thanks in advance for your help…
Senior Wednesday Hours Extended Through January at Many RMV Locations
Dedicated Wednesday appointment hours for customers 75 years of age or older will continue through January at the 17 RMV locations listed below. Senior hours vary by location, but most are 9:00 a.m. to 10:30 a.m. These appointments will be available to all customers 75 years of age or older so that they can transact…
Personal Vehicle Pulling Commercial Trailer
This question was answered based upon current rules, regulations & statutes in effect on November 2, 2020 QUESTION A client of mine came to me stating that he is purchasing a utility trailer under the company name, and the company does not currently have an a business auto policy. The trailer will be towed by…
Waiver of Deductible
This question was answered based upon current rules, regulations & statutes in effect on November 4, 2020 QUESTION I hope you can help me. I have an insured that is considering dropping her waiver of deductible for collision coverage. I’ve gone back and forth and am hoping you can send me the actual endorsement or…
When to Cancel a Policy
This question was answered based upon current rules, regulations & statutes in effect on November 9, 2020 QUESTION When a customer cancels a plate, I was always trained to cancel the policy the day after the plate return receipt date. The agency I’m at now, has always requested the policy cancelled the day of the…
On-Line Vehicle Purchase
This question was answered based upon current rules, regulations & statutes in effect on November 17, 2020 QUESTION I have an insured who bought a car online and it was delivered over the weekend on temporary plates from Georgia. Obviously, we can add it to the policy if the paperwork is correct. He does have…
Customers Asked to Return to Resolve Issues
Starting on Monday, December 14, customers who have not received an email or phone call from the RMV within 10 business days of dropping off their transaction are instructed to return to the Registration Drop Off Center, as there may be issues with the transaction or paperwork that need to be resolved. If the customer…