Question of the Week

Rear End Collision and Glass 9is question was answered based upon current rules, regulations & statutes in effect on March 5, 2020   QUESTION Have an insured who was rearended. He filed a claim through the other carrier. They are paying for the damage to his bumper, but the collision also caused drivers side window…

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…

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…

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

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…

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?

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…

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…

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…

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…

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 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…

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…

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…

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…

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…

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…

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…

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…