DOC 2
DOC 2 QUESTION This question was answered based upon current rules, regulations & statutes in effect on July 27, 2017
BAP and Trailers 1
BAP and Trailers 1 QUESTION This question was answered based upon current rules, regulations & statutes in effect on May 08, 2017
Merit Rating and Commercial Policy
Merit Rating and Commercial Policy QUESTION We represent Philadelphia Ins. Co. I write a package for my church in this office with Philly Ins. The priest has totaled 2 cars in 6 years and neither one has showed up with him having points on a personal policy, because you cannot defer from a commercial policy.…
Auto Newly Acquired Vehicle
Auto Newly Acquired Vehicle QUESTION This question was answered based upon current rules, regulations & statutes in effect on May 11, 2017
Customary Operators 1
Customary Operators 1 QUESTION This question was answered based upon current rules, regulations & statutes in effect on June 27, 2017
3 Month Rental and BAP
3 Month Rental and BAP QUESTION This question was answered based upon current rules, regulations & statutes in effect on June 28, 2016 We have a client that is going to be leasing a truck for a period of “up to 3 months”. The lessor wants to be listed as loss payee on the commercial…
DOC 1
DOC 1 QUESTION This question was answered based upon current rules, regulations & statutes in effect on June 12, 2017
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
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
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…
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
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…
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…
Charges on Ceded Auto
Charges on Ceded Auto QUESTION Do commercial ceded auto carriers set their own installment charges for direct bill accounts? Recently noticed carrier charges 1.25% of the balance as the installment charge instead of a fixed monthly charge. all ceded carriers do this? do not have too much ceded business especially with high premiums so guess…
Livery Garaging
Livery Garaging QUESTION What is the rule for Livery auto policies when it comes to garaging. Recently my companies are charging the clients if they drive in Boston or any City to and from Airport the company is using agaraging territory of Boston or the highest rated city.Insureds are becoming very frustrated with this the…
PUP and Using Company Auto
PUP and Using Company Auto QUESTION If a client has both a personal auto on a MAP and a company car insured under his employer’s BAP, would he need the Drive Other Car endorsement on the BAP or Use of Other Autos endorsement on the MAP in order to satisfy personal umbrella requirements when he…