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…
Patrick Dempsey Named InsurPac Young Agent of the Year
Patrick Dempsey Named InsurPac Young Agent of the Year In a ceremony at the Big “I” Legislative Conference in Washington, DC, last week, MAIA Board Member Patrick Dempsey was named the InsurPac Young Agent of the Year. The award recognizes one young agent in the country who has exemplified leadership and commitment to InsurPac, the…
Has Your Agency Outgrown its Shoes?
Has Your Agency Outgrown its Shoes? You know the old saying about the cobbler’s children having no shoes? Well, ask yourself this: Has your agency been outgrowing its coverage while you’ve been busy hammering out great protection for your clients? It happens! Fortunately, MAIA’s Number One Agency can get you a Big “I”-RLI Agency Package…
HO 24 13
HO 24 13 QUESTION This question was answered based upon current rules, regulations & statutes in effect on April 29, 2019 I need your expertise on this endorsement. Is there any case-law for using this endorsement to get road liability coverage for a personal use tractor ? If not, how do agents handle getting liability…
Binding Authority and Endorsements
Binding Authority and Endorsements 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 who is using the car to…
Named Insureds
Named Insureds QUESTION This question was answered based upon current rules, regulations & statutes in effect on April 11, 2019 We have a MA Auto risk for a father who solely owns a vehicle and his daughter who solely owns her vehicle. They are the only household residents. I’m getting mixed feedback on whether we…
Auto towed on a trailer
Auto towed on a trailer QUESTION This question was answered based upon current rules, regulations & statutes in effect on April 11, 2019 Good Afternoon Irene!!! I believe you have addressed this question before in Question of the Day but I can’t find it…. We have an insured with a regular auto policy and an…
Loss of Use on a Rental Car
Loss of Use on a Rental Car QUESTION This question was answered based upon current rules, regulations & statutes in effect on April 17, 2019 Need clarification on whether or not a rental car company can chase and insured and/or their insurance carrier for loss of use on a vehicle? I know carriers aren’t paying…
Help Your Clients Hit the Road With the Right RV Coverage
Help Your Clients Hit the Road With the Right RV Coverage It’s camping show season… prime time for people to pick up a bright, shiny new RV. Has your client contacted you to insure their fabulous new purchase yet? Safeco’s RV Program offers:
Garaging
Garaging QUESTION This question was answered based upon current rules, regulations & statutes in effect on April 17, 2019 MA Auto policy – Looking for feedback on vehicles garaged at college. We (the carrier) expect that garaging should be changed to reflect the vehicle being away at school and will deny a claim if garaging…
New Online Inspection Station Complaint Form
New Online Inspection Station Complaint Form A new online Inspection Station Complaint Form (www.mass.gov/forms/inspection-station-complaint-form) has been created. Customers can use this form to electronically submit a complaint about an inspection station. It can be accessed from both the RMV website (www.mass.gov/rmv) and the Department of Environmental Protection (DEP) website (www.mass.gov/dep). The online form was…
Automatic Extension of Temporary Protected Status (TPS)
Automatic Extension of Temporary Protected Status (TPS) The federal government has advised the RMV that individuals from several countries have had their lawful presence in the United States automatically extended because they were given temporary protected status (TPS). Due to the nature of the extension, a new lawful presence document, such as a new…
Accident with Neighbors Garage
Accident with Neighbors Garage QUESTION This question was answered based upon current rules, regulations & statutes in effect on April 18, 2019 My insured had a car parked in his driveway unregistered/uninsured and was having a company come tow it away for cash. The driveway was long, and the tow truck needed the car pulled…
Umbrella Quotes and MVRs
Umbrella Quotes and MVRs QUESTION This question was answered based upon current rules, regulations & statutes in effect on April 22, 2019 I know this is an issue we (at least EIG) has gone over a few times with you. In regards to quoting an umbrella we know we cannot provide MVR printouts. To obtain…
Appeal of Surcharge
Appeal of Surcharge QUESTION This question was answered based upon current rules, regulations & statutes in effect on April 24, 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 not…
Personal Truck with Company Signage
Personal Truck with Company Signage QUESTION This question was answered based upon current rules, regulations & statutes in effect on April 25, 2019 Question: one of our insureds registered there truck in their personal name and wants to put their Company Name LLC on the truck can they do that? I have read all about…
WCRIBMA Special Bulletin: Updated Information on Residual Market Share
WCRIBMA Special Bulletin: Updated Information on Residual Market Share The MA Workers’ Compensation Rating and Inspection Bureau (WCRIBMA) released Special Bulletin 05-19, Updated Information on Residual Market Share.
MAIA Announces Classes in New Boston Location!
MAIA Announces Classes in New Boston Location! MAIA’ Education Team is delighted to announce that we’ve added a new classroom location in the heart of Boston’s Seaport District to better serve our members! Starting in June 2019, MAIA will offer classes at the beautiful new WPI Seaport, a state-of-the-art learning space at 303 Congress Street,…
Plate Returns – Date to Cancel MAP
Plate Returns – Date to Cancel MAP QUESTION This question was answered based upon current rules, regulations & statutes in effect on April 24, 2019 Could you verify in the case where the plate for an auto is returned, if we should remove the auto on the date of the plate return or the following…
Garaging – Livery Plate
Garaging – Livery Plate QUESTION This question was answered based upon current rules, regulations & statutes in effect on April 09, 2019 I was wondering if you could let me know if our C.A.R. carrier has the right to garage our private livery van in Springfield even if it “sleeps” in Holyoke every night but…
Voluntary Surrender of License
Voluntary Surrender of License QUESTION This question was answered based upon current rules, regulations & statutes in effect on April 08, 2019 I have a client who no longer drives and is just going to let his license expire. I think he should turn it in and get a Mass ID- is there a form/procedure…
Unlicensed Operator
Unlicensed Operator QUESTION This question was answered based upon current rules, regulations & statutes in effect on April 08, 2019 One of our insured’s daughter had a friend drive who caused at huge at fault accident. Unbeknownst to the daughter, the friend does NOT have a license. He was arrested at the scene & the…
Surviving Spouse
Surviving Spouse QUESTION This question was answered based upon current rules, regulations & statutes in effect on April 08, 2019 I have a surviving spouse that is going to be transferring everything to his name with the surviving spouse affidavit. We have done the RMV-1 along with surviving spouse sheet and we have the death…
Updated Company Auto Insurance Filings – April 2019
Updated Company Auto Insurance Filings – April 2019
Help Home Businesses Weather the Storm
Help Home Businesses Weather the Storm We’ve all seen the severe weather events occurring around the country — inland floods, mudslides, windstorms, fires. These events are becoming more frequent and severe. Unfortunately, many home-based businessowners are finding out the hard way that they aren’t covered for business losses. That’s where you come in.
McSweeney & Ricci Insurance Agency Became “Frosty Friends” At a Local School Last Holiday Season
McSweeney & Ricci Insurance Agency Became “Frosty Friends” At a Local School Last Holiday Season Last Christmas was a special time of year for the folks over at McSweeney & Ricci Insurance Agency, as they were granted the opportunity to make a few kids’ wishes come true.
Out-of-State Dealers
Out-of-State Dealers QUESTION This question was answered based upon current rules, regulations & statutes in effect on April 08, 2019 I work at a CT agency and we write in MA and run into the issue where an insured is getting a vehicle from a non-drive dealership. I wanted to confirm if they e-mail or…
Expanded Salvage Title Processing Locations
Expanded Salvage Title Processing Locations If an owner or insurance company wants to keep a vehicle that has been declared a total loss, it’s necessary to obtain a salvage title. Beginning April 22, salvage title applications will be processed in an expanded number of RMV Service Centers. In addition to Quincy RMV Headquarters and the…
“Non-Domicile” CDLs
“Non-Domicile” CDLs “Non-Domicile” customers are residents of foreign countries who have temporary lawful presence in the United States. Beginning April 25th, “Non-Domicile” Massachusetts Commercial Driver’s Licenses (CDLs) can be issued to customers with temporary lawful presence from most foreign countries (except for Canada or Mexico). “Non-Domicile” customers will need to meet the same identification…
Young Agents to Host Clinics & Cocktails at Granite Links on May 22nd
Young Agents to Host Clinics & Cocktails at Granite Links on May 22nd
CAR Garage Policy Form
CAR Garage Policy Form 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…
CAR Implements New Web-Based Cession System
CAR Implements New Web-Based Cession System Commonwealth Automobile Reinsurers (CAR) has released Bulletin 1079, dated April 18, 2019, announcing the implementation of a new cession application for adding, correcting, and reviewing cession records. The new, secure, web-based application functions similarly to CAR’s previous mainframe application, but adds several convenient capabilities for users. It will be…
New CAR Rules
New CAR Rules QUESTION This question was answered based upon current rules, regulations & statutes in effect on April 08, 2019 This week two agents under me received declinations for quotes on C.A.R. policies. One was for a business based in Natick but the principals split time between Rhode Island and Florida. I was under…
Tech Talk: Covered or Not? Delivery-for-Hire and the MAP — Grubhub, DoorDash, Uber Eats, Amazon Flex, etc.
Tech Talk: Covered or Not? Delivery-for-Hire and the MAP — Grubhub, DoorDash, Uber Eats, Amazon Flex, etc. By Irene Morrill, CPCU, CIC, ARM, CRM, LIA, CRIS, CPIW — VP of Technical Affairs, MAIA
Travel Trailer
Travel Trailer QUESTION This question was answered based upon current rules, regulations & statutes in effect on April 08, 2019 I saw the question of the day on March 22 about travel trailers and I have a question. I have an insured that has a 5th wheel that is kept at a campground in Salisbury…