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? …
MA Arbitration
MA Arbitration This question was answered based upon current rules, regulations & statutes in effect on January 9, 2020 QUESTION I have a customer who is thinking about going to arbitration for a totaled car. I’ve never had a customer go through this. Could you explain the process? Thanks
Driving Records for a Fleet of Employees
Driving Records for a Fleet of Employees This question was answered based upon current rules, regulations & statutes in effect on January 2, 2020 QUESTION I have an agent that needs to get driving records for a fleet account with up to 45 employees. I suggested that they use the DVS Program and was…
Vehicle Appraisal Process
Vehicle Appraisal Process QUESTION This question was answered based upon current rules, regulations & statutes in effect on January 2, 2020 In MA, does an insurance company need to have vehicle damage reviewed by a licensed appraiser on their end, or can they work with a body shop that does the appraisal, then negotiate the…
New IRP Application and 2290 Requirement
New IRP Application and 2290 Requirement QUESTION This question was answered based upon current rules, regulations & statutes in effect on January 6, 2020
Med Pay – Motorcycle
Med Pay – Motorcycle QUESTION This question was answered based upon current rules, regulations & statutes in effect on December 26, 2019
Hit and Run Surcharge?
Hit and Run Surcharge? QUESTION This question was answered based upon current rules, regulations & statutes in effect on December 26, 2019
ATLAS Plate Cancel
ATLAS Plate Cancel QUESTION This question was answered based upon current rules, regulations & statutes in effect on November 12, 2019
Really Old Plates
Really Old Plates QUESTION This question was answered based upon current rules, regulations & statutes in effect on October 25, 2019
Setting Up Company in RMV
Setting Up Company in RMV QUESTION This question was answered based upon current rules, regulations & statutes in effect on October 25, 2019
ATLAS and NADA
ATLAS and NADA QUESTION This question was answered based upon current rules, regulations & statutes in effect on October 25, 2019
MAIP: Refusing to Take Assignment
MAIP: Refusing to Take Assignment QUESTION This question was answered based upon current rules, regulations & statutes in effect on October 28, 2019
Fleet Renewals
Fleet Renewals QUESTION This question was answered based upon current rules, regulations & statutes in effect on October 30, 2019
Do I Need USDOT
Do I Need USDOT QUESTION This question was answered based upon current rules, regulations & statutes in effect on October 28, 2019
Commercial Registration
Commercial Registration QUESTION This question was answered based upon current rules, regulations & statutes in effect on October 30, 2019
Delivery Apps
Delivery Apps QUESTION This question was answered based upon current rules, regulations & statutes in effect on October 23, 2019
Estimated Premium
Estimated Premium QUESTION This question was answered based upon current rules, regulations & statutes in effect on October 24, 2019
Glass Coverage
Glass Coverage QUESTION This question was answered based upon current rules, regulations & statutes in effect on October 28, 2019
Compulsory Coverages
Compulsory Coverages QUESTION This question was answered based upon current rules, regulations & statutes in effect on October 30, 2019
Deceased Persons Low Number Plate
Deceased Persons Low Number Plate QUESTION This question was answered based upon current rules, regulations & statutes in effect on October 10, 2019
Are We Required To Write Minimum Limits
Are We Required To Write Minimum Limits QUESTION This question was answered based upon current rules, regulations & statutes in effect on October 15, 2019
Out-of-State Dealers
Out-of-State Dealers QUESTION This question was answered based upon current rules, regulations & statutes in effect on October 15, 2019
Insurance Certification Non-DRIVE Dealers
Insurance Certification Non-DRIVE Dealers QUESTION This question was answered based upon current rules, regulations & statutes in effect on October 15, 2019
ALS Plate
ALS Plate QUESTION This question was answered based upon current rules, regulations & statutes in effect on October 04, 2019