Diminished Value
*This question was answered based on current rules, regulations, and statutes in effect as of August 2024. Question I know a couple of years ago, there was a court case concerning Diminished Value and what a claimant has to do to present a claim for this. I could not find anything on the website. Do…
Oil Remediation
*This question was answered based on current rules, regulations, and statutes in effect as of August 2024. Question Do you have any articles on oil remediation and common endorsements regarding the Homeowners’ Policy? Or an online course? Answer Laura Poulin: The unendorsed ISO HO0003 policy excludes losses to an insured’s property arising from pollutants unless…
Funeral Expensed Under the Auto Policy
*This question was answered based on current rules, regulations, and statutes in effect as of August 2024. Question Unfortunately, we have an insured who passed away in a car accident. Obviously, we know that PIP will pay for funeral expenses. He also has $5,000 in Medical Payments. When you read the coverage section, it sounds…
Lienholder Code List
*This question was answered based on current rules, regulations, and statutes in effect as of August 2024. Question I know you sent me a list of electronic title states. Now I can’t find it! Would you please resend it or let me know how I can find it? Answer Kathy Cormier: Here is a link…
Golf Cart for Street Use
*This question was answered based on current rules, regulations, and statutes in effect as of June 2024. Question Do you happen to know of a carrier that will write a golf cart for street use in MA? I called the carrier and they will do it if they are writing another vehicle. I am trying…
Age of RTA
*This question was answered based on current rules, regulations, and statutes in effect as of June 2024. Question I hope all is well! Is there a hard and fast rule about how old the stamped RTA form can be before the RMV rejects it? I assumed one month, but can you confirm that? Thanks for…
Surviving Spouse and Trailer
*This question was answered based on current rules, regulations, and statutes in effect as of June 2024. Question I have an insured (surviving spouse) who would like to retain 2 of her husband’s trailers. I understand that the surviving spouse process cannot be used on trailers. The RMV is looking for an approval for plate…
Business Merged with Name Change
*This question was answered based on current rules, regulations, and statutes in effect as of June 2024. Question I have a commercial client who merged his business with another. The name has changed, but the FEIN has remained the same. The insured has one commercial auto insured by Safety under the name prior to the…
Traveling Nomad
*This question was answered based on current rules, regulations, and statutes in effect as of June 2024. Question We currently write an HO4 for an insured with MPIUA (due to claims). His legal residence is in Leominster, where he has some personal property. He also has some personal property in a storage unit in Leominster.…
Off Premises Power Loss and Resulting Power Surge
*This question was answered based on current rules, regulations, and statutes in effect as of May 2024. Question We have an insured that had a loss back in March from the last snow storm. A tree fell on a pole and caused a power surge to his house. The pole was off premise. Carrier is…
In-Law Apartment vs. Two-Family
*This question was answered based on current rules, regulations, and statutes in effect as of May 2024. Question Hope all is well – we are having a lively discussion in our office and can’t agree, so I said I will ask MAIA, “What is the difference between a one-family with an in-law apartment and a…
Earth Movement Exclusion & Blasting Operations
*This question was answered based on current rules, regulations & statutes in effect as of May 2024. Question We had an interesting call last week from a prospect. The individual lives near a quarry where blasting takes place on a regular basis. If the blasting causes any damage to his home or pool, would it…
Garagekeepers vs. On-Hook Coverage
*This question was answered based on current rules, regulations & statutes in effect as of May 2024. Question If an Insured already has Garagekeepers Legal Liability coverage, does it also need On-Hook Coverage CA0402 or is On-Hook Coverage for a pure towing operation that does nothing more than pick up and deliver autos between other…
HO-3 Coverage
*This question was answered based on current rules, regulations & statutes in effect as of April 2024. Question Here’s a story and just trying to see if there is any chance of HO-3 coverage. Policyholders’ 9 yr old is visiting his 15 yr old cousin in Brockton (postage stamp lots). The older kid (that lives…
MA Fair Plan
*This question was answered based on current rules, regulations & statutes in effect as of April 2024. Question I hope you are well! We quoted some MPIUA homes last week, and today, two were rejected because they said we didn’t use the new RCT info from 2/24. Coverage A went up over $300K on one!…
RTA Questions & Answers
*This question was answered based on current rules, regulations & statutes in effect as of April 2024. Questions & Answers A few questions have come up at our agency, and I was hoping you could help. If a dealership (non-drive) sells a vehicle, is that dealership responsible for completing the RTA? If it is a…
Lease Buyout and Plate Reassignment
*This question was answered based on current rules, regulations & statutes in effect as of April 2024. Question Quick question for you. I’ve noticed recently that the registry has allowed folks buying out their leases to keep the same plates. Can you tell me what we check off on the RTA to indicate this? Answers…
WC Classification
*This question was answered based on current rules, regulations & statutes in effect as of March 2024. Question I have an insured who operates a not-for-profit cemetery. They want to appeal the assignment of class code 9220; see the email excerpt below. I have been on the DIA website and called their general number but…