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Question of the Week

Stamped RTA and Coverage

Stamped RTA and Coverage 9is question was answered based upon current rules, regulations & statutes in effect on March 6, 2020   QUESTION I hope you have been well.  Question for you – if we stamp an RTA, is coverage for that vehicle considered bound?  Ie. If we forget to send a change request to…

RMV and Blank Checks

RMV and Blank Checks 9is question was answered based upon current rules, regulations & statutes in effect on March 6, 2020   QUESTION Our runner brought in a notice on the checks-dated 2/25/2020 B2B CHECK Policy & Bulk Transaction and it refer me to the cash manual chapter 1 but I can’t find the manual.…

Vanity Plate and Signage

Vanity Plate and Signage 9is question was answered based upon current rules, regulations & statutes in effect on March 6, 2020   QUESTION One of our insureds has a vanity plate- she owns a business and has a magnetic sign that she puts on her door for advertising…does she need to change to a commercial…

Auto Rental on Vacation

Auto Rental on Vacation 9is question was answered based upon current rules, regulations & statutes in effect on March 6, 2020   QUESTION My client is renting a vehicle for vacation in US and wants to allow a relative to drive the rental. She isn’t going to take the insurance through the dealer, so relying…

Named Insured on MAP

Named Insured on MAP 9is question was answered based upon current rules, regulations & statutes in effect on February 27, 2020   QUESTION I am looking for the verbage for Mass Auto that states the policy Named Insured must match the vehicle title and registration. Thanks

UBER/LYFT & Door Dash

UBER/LYFT & Door Dash 9is question was answered based upon current rules, regulations & statutes in effect on February 27, 2020   QUESTION We have a client who does Door Dash,, Uber and Lyft. Personal policy does not cover Door Dash at all, food delivery. He does not qualify for Commercial Auto. He has had…

MAP vs BAP and Mopeds

MAP vs BAP and Mopeds 9is question was answered based upon current rules, regulations & statutes in effect on March 1, 2020   QUESTION Hi.   Thanks for your help in the past; we’re seeking some more helpfulness!  Three questions: Do you have a good summary, or can you refer us to one, which describes the…

Leased Vehicle Buy Out

Leased Vehicle Buy Out This question was answered based upon current rules, regulations & statutes in effect on February 26, 2020   QUESTION I have a client who had a lease under his name, but has decided to purchase the vehicle for his business. I’m in the process of completing the RTA. My understanding is…

Cancel a Registration Once Vehicle is Registered to Another

Cancel a Registration Once Vehicle is Registered to Another This question was answered based upon current rules, regulations & statutes in effect on February 18, 2020   QUESTION How do I cancel a registration for my customer when the vehicle is already registered to another person?

Trade In Allowance

Trade In Allowance This question was answered based upon current rules, regulations & statutes in effect on February 18, 2020   QUESTION I had a call from an insured.  She was told the following:  Mass will not allow trade in allowance for Construction Trailers or Mobile Equipment (plated) any longer? Can  you please check on this…

DOT and SDIP

DOT and SDIP This question was answered based upon current rules, regulations & statutes in effect on February 18, 2020   QUESTION I have an insured asking if he was surcharged when driving his DOT registered vehicle by a DOT officer, should that/would that show as an incident on his driver’s license, as well? He…

Vehicle Going From Business to Individual

Vehicle Going From Business to Individual 9is question was answered based upon current rules, regulations & statutes in effect on February 18, 2020   QUESTION I have an insured that wants to change his business vehicle to personal.  He has a title from the lienholder but it’s made out to the company name.  What do…

Dual Wheel Truck & Registration

Dual Wheel Truck & Registration 9is question was answered based upon current rules, regulations & statutes in effect on February 19, 2020   QUESTION I have a client who has a 13000 lb. dual wheel dump truck that has a CON plate on it currently and is on a commercial policy- he uses it for…

Dissolved Corporation and Coverage

Dissolved Corporation and Coverage his question was answered based upon current rules, regulations & statutes in effect on February 13, 2020   QUESTION A corporation dissolves and there are vehicles in the business name. The principal has not yet transferred/sold the vehicles to another party so they are still registered in the corporate name. What…

Inland Marine & Driving Records

Inland Marine & Driving Records his question was answered based upon current rules, regulations & statutes in effect on February 13, 2020   QUESTION I remember from one of your classes that we shouldn’t be giving out driving records… I have an Inland Marine policy for one of our insureds (delivers kitchen cabinets)… The carrier…

WOD with a DUI

WOD with a DUI his question was answered based upon current rules, regulations & statutes in effect on February 13, 2020   QUESTION Hope your week is going well.  I just had a quick question for you- if a drunk driver gets in a not at fault accident with a sober person, will the drunk…

Commercial Auto and Drivers

Commercial Auto and Drivers his question was answered based upon current rules, regulations & statutes in effect on February 13, 2020   QUESTION My Commercial Dept lead came across a situation with Progressive that I am a little baffled by.  First, she was given a very hard time putting a truck back on to the…

Commercial Auto Vs. MA Auto Policy

Commercial Auto Vs. MA Auto Policy his question was answered based upon current rules, regulations & statutes in effect on February 14, 2020   QUESTION Once again, we are struggling with Commercial vs MA Auto Policy and how coverage works. We understand that if you have a camper trailer that you pull with a MA…

Moving Out-of-State and Auto

Moving Out-of-State and Auto his question was answered based upon current rules, regulations & statutes in effect on February 14, 2020   QUESTION We have a client that has moved to New Hampshire and is insisting that by law all he has to do is call and request us to cancel his policy.  We advised…

DOC and Car Rental

DOC and Car Rental his question was answered based upon current rules, regulations & statutes in effect on February 18, 2020   QUESTION I have a questions regarding drive other car coverage on a commercial automobile policy. We have a commercial automobile policy for a business, the cars are owned by the company and driven…

Condo’s

Condo’s his question was answered based upon current rules, regulations & statutes in effect on February 18, 2020   QUESTION May you please email me some information on what is HO1734? I am trying to understand why this is a needed endorsement on a condo policy.

BAP and New Truck

BAP and New Truck This question was answered based upon current rules, regulations & statutes in effect on February 18, 2020   QUESTION Our insured just advised us they have purchased a bucket truck at an auction and need liability coverage in order to pick up the vehicle. They have a commercial auto policy with…

BAP and Dissolved Business

BAP and Dissolved Business This question was answered based upon current rules, regulations & statutes in effect on February 13, 2020   QUESTION A corporation dissolves and there are vehicles in the business name. The principal has not yet transferred/sold the vehicles to another party so they are still registered in the corporate name. What…

Markets

Markets This question was answered based upon current rules, regulations & statutes in effect on January 24, 2020   QUESTION Do you have any markets for a BOP small business owner?

Business Interruption/Loss of Income

Business Interruption/Loss of Income This question was answered based upon current rules, regulations & statutes in effect on January 24, 2020   QUESTION Customer operating a livery service, inquiring if coverage for Business Interruption, or Loss of Income,, is available, due to temporary loss of use for a vehicle, as a result of an auto…

Uber/Lyft Coverage

Uber/Lyft Coverage This question was answered based upon current rules, regulations & statutes in effect on January 27, 2020   QUESTION Question is when are or are you not covered when your vehicle is being used by Uber or Lyft?

Personal Information on Surcharge Notice

Personal Information on Surcharge Notice This question was answered based upon current rules, regulations & statutes in effect on January 27, 2020   QUESTION I’m wondering if you can help with something or maybe direct me to the right person.  My colleague, manages our systems and everything technical in the office.  His son had an…

At Fault Accident and Commercial Vehicle

At Fault Accident and Commercial Vehicle This question was answered based upon current rules, regulations & statutes in effect on January 28, 2020   QUESTION Hi, we are having a discussion in our office, One person thinks if you are driving a company vehicle that is in a inc. and get in a at fault…

Surcharge Appeal – Waiver of Deductible

Surcharge Appeal – Waiver of Deductible This question was answered based upon current rules, regulations & statutes in effect on January 28, 2020   QUESTION Good afternoon Kathy and Irene, I have a feeling I already know the answer to this, but it’s been at least a decade since I ran into this scenario. (See…

What is Property Damage

What is Property Damage This question was answered based upon current rules, regulations & statutes in effect on January 28, 2020   QUESTION Hello, I have a client who leases a retail space for her convenience store. A vehicle insured with Mapfre collided with her storefront, causing around $3700 in damage to her awning (that’s…

Hired Auto

Hired Auto This question was answered based upon current rules, regulations & statutes in effect on January 30, 2020   QUESTION I have a client who has a commercial auto with 2 different carriers. One policy includes non-owned and hired liability. Am I correct that they don’t need to have that on both policies since…

Carrier Filings

Carrier Filings This question was answered based upon current rules, regulations & statutes in effect on January 31, 2020   QUESTION Good morning, Here’s a question posed to me:  If the carrier sends their guidelines to the state for approval, is it state law that they have to follow those guidelines?  A certain carrier will…

MAP and Doctor Visit

MAP and Doctor Visit This question was answered based upon current rules, regulations & statutes in effect on January 12, 2020   QUESTION Under Mass auto is there a time frame that an injured party must see a Dr. Insured had accident 10 days ago, was told auto wouldn’t unless she sees a Dr.within 14…

2A Commercial Auto

2A Commercial Auto This question was answered based upon current rules, regulations & statutes in effect on January 14, 2020   QUESTION I am sorry if this seems like a dumb question but do I need to do a 2A if moving a commercial auto policy from one company to another within our agency?  

Business Auto MA

Business Auto MA This question was answered based upon current rules, regulations & statutes in effect on January 15, 2020   QUESTION Many times in talking to clients and they inquire about a driver that is inexperienced or bad driving records when they find out it will effect their rate or they don’t qualify being…

Watercraft Insurance

Watercraft Insurance This question was answered based upon current rules, regulations & statutes in effect on January 16, 2020   QUESTION Can you clarify for me whether or not watercraft insurance is required in Massachusetts? I was under the impression it wasn’t? Is there any information you could provide me in regards to Watercraft insurance,…

USDOT for Non-Commercial Vehicle

USDOT for Non-Commercial Vehicle This question was answered based upon current rules, regulations & statutes in effect on January 13, 2020   QUESTION I have an insurance agent who drivers an 11,000 pound pickup that is registered in the name of his agency.  This is used to commute back and forth to work and may…

Borrowed Trailer Liability

Borrowed Trailer Liability This question was answered based upon current rules, regulations & statutes in effect on January 6, 2020   QUESTION I have a questions regarding liability on a trailer. If I let my neighbor borrow my trailer and my neighbor is found at fault for an accident will their liability coverage on their…

Standard of Fault

Standard of Fault This question was answered based upon current rules, regulations & statutes in effect on January 8, 2020   QUESTION Quick question to see if you would  possibly know the answer or have a person for me to contact. Child who is a passenger opens his door hitting a car, does parent get…

MOD Factor MAP

MOD Factor MAP This question was answered based upon current rules, regulations & statutes in effect on January 8, 2020   QUESTION Have you heard of any carriers in MA that are applying a mod factor to a MA Auto policy to charge more premium for a client that filed a not at fault accident? …