Driving Records on Commercial Accidents
Driving Records on Commercial Accidents QUESTION This question was answered based upon current rules, regulations & statutes in effect on June 1, 2017
What Type of Plate / What Type of Policy
What Type of Plate / What Type of Policy QUESTION I hope you are well. I have a situation that I was hoping to get your advice on. I have a home insurance customer that wants to move his auto to us. He also owns a construction company and wants to take two of his…
60 Day Free Look – Auto
60 Day Free Look – Auto QUESTION This question was answered based upon current rules, regulations & statutes in effect on June 6, 2017 My company uses the 2008 MA Auto Policy Jacket. Under cancellation and Renewal section, it states we can only cancel the policy for 3 reasons (nonpay, misrep/fraud or license suspension/revocation). How…
Claim Denial for Lack of Cooperation
Claim Denial for Lack of Cooperation QUESTION This question was answered based upon current rules, regulations & statutes in effect on June 7, 2017
Plate Type
Plate Type QUESTION How are you? I hope all is well. I have a client that has a 1997 Ford F350.Currently placed on a personal auto policy as it is not used for any business purposes. However, it does have a Commercial Plate as the GVW is 10,000.Can they obtain private passenger plates with a…
Commercial Plate/Policy
Commercial Plate/Policy QUESTION This question was answered based upon current rules, regulations & statutes in effect on April 27, 2016
Trailer Titles
Trailer Titles QUESTION I’m having a registry issue, and I thought I heard that Donna had retired? So I was hoping you could help me or forward to someone who can.
MAP and Renting a U-Haul Truck – Covered or Not?
MAP and Renting a U-Haul Truck – Covered or Not? MAP and Renting a U-Haul Truck – Covered or Not? By Irene Morrill, CPCU, CIC, ARM, CRM, LIA, CRIS, CPIW VP of Technical Affairs, MAIA
MAP and 60 Day “Free Look”
MAP and 60 Day “Free Look” QUESTION My company uses the 2008 MA Auto Policy Jacket. Under cancellation and Renewal section, it states we can only cancel the policy for 3 reasons (nonpay, misrep/fraud or license suspension/revocation).How about if we are within our 60 day “free look” on a new business policy? Can we cancel…
Repair Plate A
Repair Plate A QUESTION This question was answered based upon current rules, regulations & statutes in effect on June 5, 2017 Hope you are well!! Quick question can I cancel a repair plate on line or does it have to be returned to the registry?? I am having trouble cancelling it. Let me know Thanks
CMV over 10,000 lbs
CMV over 10,000 lbs QUESTION This question was answered based upon current rules, regulations & statutes in effect on June 2, 2017
Tenant Relocation
Tenant Relocation QUESTION Do you know of the tenant relocation only applies to loss by fire and if the amount this pays is $750$750month for so many months? Thanks
Document Prep Fees Included in Sales Tax Calculation
Document Prep Fees Included in Sales Tax Calculation QUESTION This question was answered based upon current rules, regulations & statutes in effect on May 30, 2017
Out of State Garaging
Out of State Garaging QUESTION I am hoping you can help me. We have an insured for which we still have an MA auto policy in place until July of 2017 and it is a ceded policy with Safety Ins.They have advised us that they are closing there MA location. However, for cost saving purposes,…
Action Alert, Flood News, Updated Auto Filings, act Customer Experience Work Group, E&O
Action Alert, Flood News, Updated Auto Filings, act Customer Experience Work Group, E&O The following Action Alert was sent on Friday, May 19, 2017. Thank you to the members who have taken action by contacting your Senator through the link provided. If you have not done so already, please take a moment to do so…
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…
Changes in Terrorism Exclusions – Fire Following Coverage?
Changes in Terrorism Exclusions – Fire Following Coverage? QUESTION This question was answered based upon current rules, regulations & statutes in effect on May 10, 2016
Distracted Driving
Distracted Driving QUESTION This question was answered based upon current rules, regulations & statutes in effect on April 10, 2017
UBER and Registration
UBER and Registration QUESTION We are confused. If you use your personal vehicle to drive for UBER don’t you need to have livery plates on your personal vehicle and a commercial policy covering it? Now some companies are giving some coverage while the vehicle is between pickups – can you use your personal plates to…
Camper Policy for Non-Resident
Camper Policy for Non-Resident QUESTION This question was answered based upon current rules, regulations & statutes in effect on March 31, 2017
a Tractor – Plate v. Policy
a Tractor – Plate v. Policy QUESTION This question was answered based upon current rules, regulations & statutes in effect on March 31, 2017 We have a client that is looking to register a tractor here in MA. How does one go about this? Can the tractor be insured on an auto policy?? Many thanks…