Trailer at Campground
Trailer at Campground QUESTION This question was answered based upon current rules, regulations & statutes in effect on May 27, 2019 Campers parked at campground is there still physical damage?
Employment Opportunities at MAIA & Number One
Employment Opportunities at MAIA & Number One The Massachusetts Association of Insurance Agents (MAIA) and its affiliate, The Number One Insurance Agency, are hiring! MAIA is seeking a Membership Engagement Director and an Education Manager, and Number One is looking for a Customer Service Representative. Our offices are conveniently located off Rte. 495 in Milford,…
Med Pay
Med Pay QUESTION This question was answered based upon current rules, regulations & statutes in effect on May 29, 2019 I just quoted an auto for a new client and used their existing Dec as a guide. I suggested removing medical payments and explained PIP and the Mass limit of 2000 if the insured had…
What is the Correct Plate Type
What is the Correct Plate Type QUESTION This question was answered based upon current rules, regulations & statutes in effect on May 09, 2019 If someone uses a vehicle in their business and they put signs on the vehicle do they need to get commercial plates? I currently have it listed as class 30 on…
WCRIBMA Circular Letter: Massachusetts Indemnity Data Call
WCRIBMA Circular Letter: Massachusetts Indemnity Data Call The Massachusetts Workers’ Compensation Rating and Inspection Bureau has issued Circular Letter No. 2349, dated June 14, 2019, and titled Massachusetts Indemnity Data Call. The WCRIBMA’s Governing Committee authorized the implementation of a Massachusetts Indemnity Data Call to be reported directly to the WCRIBMA. Participation in the Massachusetts Indemnity…
Accident Forgiveness
Accident Forgiveness QUESTION This question was answered based upon current rules, regulations & statutes in effect on May 10, 2019 Accident Forgiveness…how do we know now the carrier filed with the Division of Insurance? This may sound stupid on my part but if I have a customer who has the accident forgiveness on their auto…
Motorcycle Question
Motorcycle Question QUESTION This question was answered based upon current rules, regulations & statutes in effect on May 02, 2019 Do you know of any verbiage for Mapfre/Commerce -where I can find that there is no Annual Mileage credit on motorcycles ?
SDIP Question
SDIP Question QUESTION This question was answered based upon current rules, regulations & statutes in effect on May 03, 2019 I was curious if you could answer a question for me. We have a policyholder whose current policy has a 3 point surcharge on it and would be a points 98 at renewal come 03/2020. …
Proof of Citizenship/Lawful Presence and Name is not an Exact Match
Proof of Citizenship/Lawful Presence and Name is not an Exact Match If a customer applying for a REAL ID presents a document for Proof of Social Security Number (SSN) with a name that does not exactly match the name on the document presented as Proof of Lawful Presence, the SSN document can be accepted in…
Reminder: No License Renewals/Reinstatements after Two Years Without Active License
Reminder: No License Renewals/Reinstatements after Two Years Without Active License Class D & M driver’s licenses cannot be renewed or reinstated after a customer has been without an active license for two years or more for any reason. This could be because the license expired, was suspended/revoked, or was surrendered.
Commercial Lettering on Passenger Vehicle
Commercial Lettering on Passenger Vehicle QUESTION This question was answered based upon current rules, regulations & statutes in effect on May 03, 2019 Good afternoon Irene, Hope you are well. I was hoping you might be able to help me understand eligibility for a MAP if a vehicle has commercial lettering on it but not…
MPIUA Announces Revisions to Assessment and Valuation Program
MPIUA Announces Revisions to Assessment and Valuation Program The Massachusetts Property Insurance Underwriting Association (MPIUA), has updated its risk assessment and valuation program to CoreLogic RCT Express version 4.5. This upgrade has been in use in the voluntary market being received with positive review. RCT Express version 4.5 contains several updates which make it both…
Binder Language for Auto
Binder Language for Auto QUESTION This question was answered based upon current rules, regulations & statutes in effect on May 03, 2019 I am told you are a wiz in the industry and would likely provide the best answer to my question. When stamping an RMV-1 for a dealership and providing a binder, should there…
Appeal of Surcharge Points
Appeal of Surcharge Points QUESTION This question was answered based upon current rules, regulations & statutes in effect on May 07, 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…
Claims Question on Body Shops
Claims Question on Body Shops QUESTION This question was answered based upon current rules, regulations & statutes in effect on May 08, 2019 I have an insured who has gone third party for his physical damage claim and the carrier will not accept a direction to pay from the body shop because they are not…
Rental of a U-Haul
Rental of a U-Haul QUESTION This question was answered based upon current rules, regulations & statutes in effect on May 09, 2019 Is there a tech talk regarding rental of U-Hauls under a MA auto policy
Registration for 26,000 lb Truck and Permits
Registration for 26,000 lb Truck and Permits QUESTION This question was answered based upon current rules, regulations & statutes in effect on May 13, 2019 If we have a vehicle with a GVW of 26,000 lbs. and travels in more that one state can we register Commercial without having to get trip permits when it…
Proof of Residency Documents from the Same Source
Proof of Residency Documents from the Same Source To apply for a REAL ID drivers’ license or ID card, a customer must present two documents to prove Massachusetts residency. There has been some confusion on whether these two documents can be from the same source. This training update serves as a clarification on the RMV’s…
Summer/Winter Swap
Summer/Winter Swap QUESTION This question was answered based upon current rules, regulations & statutes in effect on May 13, 2019 Not sure if you can help me or someone else ? I tried finding this in the Registry but couldn’t find out the answer on What situations would you use the Summer/Winter swap box on…
NFIP Extension Through Sept. 30 Awaits President’s Signature
NFIP Extension Through Sept. 30 Awaits President’s Signature On Monday, June 3, the Big “I” released the following statement by Charles Symington, Big “I” senior vice president of external, industry & government affairs, on the Congressional reauthorization of the National Flood Insurance Program (NFIP): “The Big ‘I’ thanks the House of Representatives for passing the…
Principal Place of Business Form
Principal Place of Business Form QUESTION This question was answered based upon current rules, regulations & statutes in effect on March 28, 2019 Regarding Principal Place of Business Certificate Form-I have a guy with a Ceded CL Auto Policy and his vehicle is registered to himself-he lives in Newburyport and his vehicle is garaged there.…
Garage Risk
Garage Risk QUESTION This question was answered based upon current rules, regulations & statutes in effect on April 08, 2019 I have a client that has a DLN plate but most of his revenue is derived from repairs. Since he works on heavy and x-tra heavy trucks, it would go to CAR. Does the %…
Commercial Policy and Trailers
Commercial Policy and Trailers QUESTION This question was answered based upon current rules, regulations & statutes in effect on April 11, 2019 Does a BAP automatically extend liability coverage to a trailer(14,000 GVW), not listed on the policy, that is owned by the same person? I was always told that commercial policies need to have…
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…