3rd Party Auto Claim
3rd Party Auto Claim QUESTION This question was answered based upon current rules, regulations & statutes in effect on July 12, 2017 Good afternoon. I have a client attempting to collect third party for a rental vehicle through Liberty Mutual. They have collision coverage which they are collecting through their own policy. Liberty Mutual has…
Use of Other Auto/Rental Vehicle
Use of Other Auto/Rental Vehicle QUESTION An insured’s daughter is home from college and will live at home during the summer. She needs to rent a car – fairly long term. Would adding the “Use of Other Auto” Endorsement (M-0051-S) to the insured’s policy provide proper coverage, or should the insured take out coverage from …
Collision or Comp?
Collision or Comp? QUESTION This question was answered based upon current rules, regulations & statutes in effect on May 05, 2017
Proximate Cause
Proximate Cause QUESTION Recently, we had an insured who had his pick-up truck damaged by fire when a family member was burning vegetation. wind caught the fire and it reached the truck. To prevent further damage to the truck the insured ran to move it.It was parked between a car in front and a telephone…
Actual Cash Value 1
Actual Cash Value 1 QUESTION This question was answered based upon current rules, regulations & statutes in effect on May 12, 2017 Just got off the phone w/ Kathy Cormier.She said to ask you my question. I HAVE A CUSTOMER WHO IS PURCHASING AN 02 GMC SIERRA DIESEL V8 CREW CAB PKUP W/ 16,000 MILES…
211 CMR 38 Coordination of Benefits
211 CMR 38 Coordination of Benefits QUESTION This question was answered based upon current rules, regulations & statutes in effect on June 26, 2017 MAIA asked me to send my question to you via this to you via email: Client involved in motorcycle accident with injuries and we opened a med pay claim for him…
Can You Keep a Plate When You Buy Out A Lease?
Can You Keep a Plate When You Buy Out A Lease? QUESTION This question was answered based upon current rules, regulations & statutes in effect on June 21, 2017
Operators Report
Operators Report QUESTION In regards to completing the Operators Report… If the accident was at a grocery store, mall, etc., is the lot considered private or public? The Operators report states do not fill it out if the accident occurred on a private parking lot. Because the above lots are open to the public we…
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
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
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…
PIP Claim
PIP Claim QUESTION Hi, so there is a husband & wife with 2 separate policies and 2 separate companies. BOB is driving WIFE MARY’S car who is insured through MetLife & backs up running over STEP SON’s foot. Would MARY’S PIP react with her MetLife policy or would BOB’s own policy with ARBELLA react? And…
Waiver of Deductible (a)
Waiver of Deductible (a) QUESTION This question was answered based upon current rules, regulations & statutes in effect on March 13, 2017 My insured was sideswiped by identified O.P. in traffic. Co withheld deductible even though she has the waiver. We were advised that in the absence of corroborating evidence, the best we could hope…
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