Cancel Request Form
This question was answered based upon current rules, regulations & statutes in effect on April 23, 2020 QUESTION I’m just trying to clear up a dispute I have with another agent. This agent rewrote a flood policy our agency had in place. I requested a cancellation from the new agent. The new agent is…
Trailer Converted to Portable BAR
This question was answered based upon current rules, regulations & statutes in effect on April 24, 2020 QUESTION Any input on this situation would be appreciated. A client bought a horse trailer and is converting it into a portable bar. She will take it to events (private wedding in a yard) and serve alcohol.…
License Suspension
This question was answered based upon current rules, regulations & statutes in effect on April 27, 2020 QUESTION May I ask a question, please, about the MAP?If an insured is driving on a suspended license, are any of his coverages voided? We have an insured whose license was suspended and his reinstatement hearing, scheduled…
BAP and Personal Trailer
This question was answered based upon current rules, regulations & statutes in effect on April 27, 2020 QUESTION We have a client with just a business auto policy and he wants to pull his personal travel trailer (RV) with one of the vehicles. Will liability go to travel trailer when being pulled? Does the…
Customer Passed Away – MAP
This question was answered based upon current rules, regulations & statutes in effect on April 30, 2020 QUESTION One of our insured’s passed away. His son was listed as principal operator on his vehicle. Is it ok for him to drive until he is able to get put in his name? Thanks
CARVANA AGAIN
This question was answered based upon current rules, regulations & statutes in effect on May 5, 2020 QUESTION I have a client that wanted to purchase a vehicle through Carvana. They are telling her that she has 7 days to drive the vehicle on interstate plates. Can you please tell me if the same…
Agreed Value
This question was answered based upon current rules, regulations & statutes in effect on May 5, 2020 QUESTION I hope you are doing well despite everything that is going on and that you and your family are safe and healthy. I’ve taken several of your classes and I think you would be able to…
GarageKeepers
This question was answered based upon current rules, regulations & statutes in effect on May 13, 2020 QUESTION Carrier added a form MM9920 to a Garagekeepers policy and they won’t remove it. Is this form mandatory? Thank you
BOP
This question was answered based upon current rules, regulations & statutes in effect on May 11, 2020 QUESTION I hope you are doing well through all this! We have a question… We are quoting a hotel. They have a management company that pays all the expenses and collects receipts. In the event of a…
CARVANA
This question was answered based upon current rules, regulations & statutes in effect on May 13, 2020 QUESTION I have a client that is purchasing a vehicle from Carvana online . They are asking me to stamp the RTA form and send it back to them. They send me the title but said they…
Mortgagee Question
This question was answered based upon current rules, regulations & statutes in effect on May 14, 2020 QUESTION I hope all is well with you. Hoping you can shed some light as I’ve been going back and forth with insured and bank on this. Bank is requesting to be listed as a Mortgagee for…
Operators and the MAP
This question was answered based upon current rules, regulations & statutes in effect on May 15, 2020 QUESTION We have a potential client that bought a car for his grandson but kept it in his own name until grandson was 18. About 9 months after grandson got his license he was in an accident…
Pre-Existing Damage
This question was answered based upon current rules, regulations & statutes in effect on May 12, 2020 QUESTION First and foremost, hope you are all safe… if not sane! Irene, as I texted you this morning, thanks for calling me back and leaving a voicemail yesterday, so sorry I missed you. Given you are…
IRP Renewal Typo
This question was answered based upon current rules, regulations & statutes in effect on May 12, 2020 QUESTION One of my customers received an IRP renewal application to be completed in May. The application is calling for the actual mileage from 7/1/19 to 6/30/2020. If the insured is suppose to return the application before…
Extension on 7 Day Law
This question was answered based upon current rules, regulations & statutes in effect on May 12, 2020 QUESTION We were wondering whether the police and the registry are enforcing the 7 day plate registration transfer law. Dealers that aren’t on the drive program are having a very difficult time getting appointments for their transfers.…
PIP and Med Pay
This question was answered based upon current rules, regulations & statutes in effect on May 12, 2020 QUESTION A client, a personal injury attorney, requested we remove $25000 of Medical Payment coverage from her auto policy because her company (Travelers) would not provide Medical payment until…..coverage was exhausted from PIP, her Personal Health policy,…
MAP Coverage & License Suspension
This question was answered based upon current rules, regulations & statutes in effect on April 27, 2020 QUESTION May I ask a question, please, about the MAP?If an insured is driving on a suspended license, are any of his coverages voided? We have an insured whose license was suspended and his reinstatement hearing, scheduled…
BAP and Covid-19
This question was answered based upon current rules, regulations & statutes in effect on April 22, 2020 QUESTION Curious if you’ve had feedback/questions from agencies about commercial auto during Covid. Some carriers are “allowing” us to decrease limits on some or all vehicles until client is back to work. We are hesitant to offer…
RMV Non-Essential Transactions
This question was answered based upon current rules, regulations & statutes in effect on April 22, 2020 QUESTION We have received a notice from the Springfield Registry that they will not register a trailer for one of our clients since it is “non-essential” vehicle. Is this true?
RMV Appointments
This question was answered based upon current rules, regulations & statutes in effect on April 22, 2020 QUESTION We have a customer trying to schedule an appointment on the Registry’s site, it seems there are no appointments available at any branch for a vehicle registration transaction (new or transfer), I tried it myself, only…
Dirt Bikes
This question was answered based upon current rules, regulations & statutes in effect on April 21, 2020 QUESTION Do dirt bikes need a registration if they will only be used off road? Also does the trailer that carries it (250#) need a plate?
Registry Appointments
This question was answered based upon current rules, regulations & statutes in effect on April 21, 2020 QUESTION What is going on with the registry? I have a client from out of state trying to make an appointment for new plate. There are zero appointments available for all locations. Are they totally closed. Not…
Out-of-State Violations
This question was answered based upon current rules, regulations & statutes in effect on April 13, 2020 QUESTION As you are probably aware, the RMV’s efforts to clear the backlog of out-of-state violations is resulting in surcharges to current MA personal auto policies. So far, we’re seeing surcharge endorsements from Commerce and Plymouth Rock.…
RMV Branches – Who Can Go
This question was answered based upon current rules, regulations & statutes in effect on April 13, 2020 QUESTION We have an insured who is currently in a rehab recovering from surgery. His vehicle is not working and his sister wants to gift him a vehicle. Will someone from his family be able to go…
Paying Parking Tickets
This question was answered based upon current rules, regulations & statutes in effect on April 13, 2020 QUESTION Are people still able to pay parking tickets in person at the RMV?
RMV Branches for Runners
This question was answered based upon current rules, regulations & statutes in effect on April 13, 2020 QUESTION I hope you are safe and well! Just checking in to see the latest update on runners. Last I spoke with you agents/runners could go to Wilmington/Milford RMV’s to drop off runs. Is that still the…
Personal Auto Rebates During Covid-19
This question was answered based upon current rules, regulations & statutes in effect on April 13, 2020 QUESTION Our agency has had a number of inquiries asking if they will get a discount due to the fact they are not driving as much during the pandemic. I am aware of a few of the…
Registration Renewal
This question was answered based upon current rules, regulations & statutes in effect on April 7, 2020 QUESTION Do you know if a client can mail in their RTA renewal or does it need to be brought to the Registry?
Update Address for Commercial Client
This question was answered based upon current rules, regulations & statutes in effect on April 8, 2020 QUESTION I have a likely easy question – my commercial client needs to update their mailing address. I don’t see that I can do this on line. Can you confirm before we go through the efforts of…
Driver Retraining Classes
This question was answered based upon current rules, regulations & statutes in effect on April 8, 2020 QUESTION One of our younger customers had three recent driving incidents and needs to attend additional driver’s education classes to keep her driver’s license. Is the RMV still holding these classes or are they on hold?
RMV Insurance Stamp
This question was answered based upon current rules, regulations & statutes in effect on March 25, 2020 QUESTION Is the RMV allowing faxed copies of the stamped RTA for clients purchasing vehicle from private sale? Some clients don’t have printers. I know they allow for dealers to do it this way. I thought I…
Family Exemption
This question was answered based upon current rules, regulations & statutes in effect on March 2, 2020 QUESTION We have a title in the mother and sons name. The mother wants her name off the title loan is paid off. Does the son now have to pay sales tax on the car?
PAN or AHN
PAN or AHN This question was answered based upon current rules, regulations & statutes in effect on March 10, 2020 QUESTION I have a client who has welded a slide-on camper to his pickup truck. I’ve been informed the slide-on does have a running toilet. Is this pickup truck now a camper that will…
Event Cancellation – Coronavirus
Event Cancellation – Coronavirus This question was answered based upon current rules, regulations & statutes in effect on March 10, 2020 QUESTION I am looking to find coverage for a one-day event if it were to get a canceled due to the Corna virus. My insured is planning an engagement party in May at…
New Vehicle – No Title
New Vehicle – No Title This question was answered based upon current rules, regulations & statutes in effect on February 11, 2020 QUESTION Quick question for you. I have an insured that called me last week & said he was getting a 2018 truck. He picked it up Friday 2/7/20 & I haven’t received the…
Doordash
Doordash This question was answered based upon current rules, regulations & statutes in effect on February 12, 2020 QUESTION I have a client who is looking into part-time with Doordash. How is personal lines client addressing using personal vehicle for doordash? Any thoughts?
Surcharge
Surcharge This question was answered based upon current rules, regulations & statutes in effect on February 19, 2020 QUESTION If a client hits a barrel that falls out of the back of a truck on the highway, can they be surcharged? Thank you!
Roommates
Roommates This question was answered based upon current rules, regulations & statutes in effect on February 19, 2020 QUESTION Personal auto policy, individual rents a room with several other “housemates”/Roommates. He doesn’t speak to them, no idea who they are. Carrier is asking to be added to his auto policy. There a ruling on…
Condo
Condo 9is question was answered based upon current rules, regulations & statutes in effect on March 3, 2020 QUESTION Question, if a condo master policy includes earthquake coverage but the HO6 policy does not, if there was an earthquake loss, would the loss assessment apply or does it have to be a covered loss….…
Trailer Only Policies
Trailer Only Policies 9is question was answered based upon current rules, regulations & statutes in effect on March 5, 2020 QUESTION We are being told by our carrier that their new company portal will no longer support “trailer only” policies, so they are going to be non renewing the policies unless we add a…