Recycle Metal Plates
Question Recycle Metal Plates This question was answered based upon current rules, regulations & statutes in effect on March 24, 2021 I hope all is well. At this point when an insured brings in their metal plate for cancellation we cut then in half with tin snips and place them in a locked dumpster. Are…
Registration Cancellation
Question Registration Cancellation This question was answered based upon current rules, regulations & statutes in effect on March 24, 2021 I had a customer swap CON plate to PAN plate for his 2019 Silverado I just went in and cancelled the CON plate but now the registration status shows cancelled in the registry and I’m having…
CARVANA
Question CARVANA This question was answered based upon current rules, regulations & statutes in effect on February 10, 2021 Hope you’re doing well! We’ve seen a few requests from CARVANA lately at our agency. CARVANA will not send the hard title and says that the RMV in Mass will accept an electronic version. Do you…
ACV on Total Loss
Question ACV on Total Loss This question was answered based upon current rules, regulations & statutes in effect on March 16, 2021 Would the below statement be value about AVC on a total loss? Thanks Thank you for your response and I would be glad to address your concerns. Our office was closed yesterday which is…
Boston Districts
Question Boston Districts This question was answered based upon current rules, regulations & statutes in effect on March 17, 2021 Do you know if there is an actual map that draws the lines for property rating territories in Boston (ie Disctrict A,B,C, all other). Carriers publish the street boundaries. Wondering if there is a map…
Homeowners – Tools and Equipment Coverage
Question Homeowners This question was answered based upon current rules, regulations & statutes in effect on March 18, 2021 I have an insured with a United Property and Casualty policy. They called to say the husband has $150K worth of “welding” tools and equipment that he has acquire over his lifetime; in his detached garage. He…
Replacement Cost Estimator
Question Replacement Cost Estimator This question was answered based upon current rules, regulations & statutes in effect on March 18, 2021 I thought I remembered hearing in one of your classes that we should not be releasing replacement cost estimators to lenders or even to the insured’s. Am I correct? If I am what…
Commercial Trailer Registration and MA BAP
Question Commercial Trailer Registration & MA BAP This question was answered based upon current rules, regulations & statutes in effect on March 12, 2021 I’m hoping one of you can help me with something I’ve come across. We have a PL client for whom I am quoting the CL trucking business. He currently has…
Named Insured Non-Spouse Situation
Named Insurance Non-Spouse Situation This question was answered based upon current rules, regulations & statutes in effect on March 12, 2021 I’m not sure if you are the right person to email about this so I apologize ahead of time if you are not…. Our agency is looking to get clarification on where the state…
Cancel Plate Registration
Question Cancel Plate After Vehicle Sold This question was answered based upon current rules, regulations & statutes in effect on March 8, 2021 I am trying to turn in plates in my office for a customer. The vehicle has been given to her nephew who has already registered the vehicle. When I go to turn…
Boat Claim – Wind vs. Collision
Question Boat Claim – Wind vs. Collision This question was answered based upon current rules, regulations & statutes in effect on March 5, 2021 We have a claim denial on a boat claim that I think should be covered. The boat is NOT insured on a boat policy. The only coverage (physical damage) coverage that…
Private Sale with Even Trade
Question Private Sale with Even Trade This question was answered based upon current rules, regulations & statutes in effect on March 8, 2021 I have a client who is doing an even trade thru a private sale on a motorcycle. Can this be done? How would he write up a bill of sale? Would we…
Workers’ Comp. Limited Out-of-State Endorsement
Workers’ Comp. Limited Out-of-State Endorsement This question was answered based upon current rules, regulations & statutes in effect on February 9, 2021 I hope you both are well and staying safe. Quick question on Massachusetts Assigned Risk workers compensation. A Mass based business is doing some work in NH. This is a Massachusetts based company and none…
Special Plate Reassignment
Question Specialty Plate Transfer This question was answered based upon current rules, regulations & statutes in effect on March 8, 2021 I’m working with a client who is buying out their lease. They currently have a specialty plate that was transferred from her name into the lease. If possible, she is interested in keeping the…
Incorrect Information on Police Report – Total Loss
This question was answered based upon current rules, regulations & statutes in effect on August 25, 2020 QUESTION I do not know if you are able to provide any assistance but I am at a total loss. I have an insured whose vehicle was hit while it was parked in front of her home. The…
Operator Assignment
Question Operator Assignment This question was answered based upon current rules, regulations & statutes in effect on March 17, 2021 Insured has two cars and three drivers. Dad point 2 Mom point 99 Daughter point 3 If I put both cars on one policy. Newer car gets daughters points, older car gets Dad’s point To…
Principal Place of Business
This question was answered based upon current rules, regulations & statutes in effect on November 13, 2020 I have a question on a Maine registered vehicle. I have a commercial insured (Massachusetts business) that has reregistered one of his commercial trucks in Maine that was previously registered in Massachusetts. My Massachusetts auto carrier indicates…
BAP Rate Change Mid Term
This question was answered based upon current rules, regulations & statutes in effect on November 13, 2020 I have a Customer with Progressive -on a Commercial Auto policy. When we wrote the policy back in May the Premium was around $21,000 Since then they have continually increased the Premium – It is now around…