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Question of the Week

Removing Operators Away at School

Removing Operators Away at School QUESTION This question was answered based upon current rules, regulations & statutes in effect on August 23, 2019

MAP Cancellation

MAP Cancellation QUESTION This question was answered based upon current rules, regulations & statutes in effect on August 23, 2019

LTD Collision

LTD Collision QUESTION This question was answered based upon current rules, regulations & statutes in effect on August 23, 2019

Renewal Auto Policy Cancelled Flat and Claim

Renewal Auto Policy Cancelled Flat and Claim QUESTION This question was answered based upon current rules, regulations & statutes in effect on August 26, 2019

BAP and Rented Autos

BAP and Rented Autos QUESTION This question was answered based upon current rules, regulations & statutes in effect on September 06, 2019

Trailer Claim

Trailer Claim QUESTION This question was answered based upon current rules, regulations & statutes in effect on September 09, 2019

Garaging

Garaging QUESTION This question was answered based upon current rules, regulations & statutes in effect on September 11, 2019

No Loss Statement

No Loss Statement QUESTION This question was answered based upon current rules, regulations & statutes in effect on September 12, 2019

Is this Surchargeable

Is this Surchargeable QUESTION This question was answered based upon current rules, regulations & statutes in effect on July 26, 2019

Green Plate

Green Plate QUESTION This question was answered based upon current rules, regulations & statutes in effect on July 26, 2019

2 Q’s on Trailers

2 Q’s on Trailers QUESTION This question was answered based upon current rules, regulations & statutes in effect on July 26, 2019

Change Address Leased Vehicle

Change Address Leased Vehicle QUESTION This question was answered based upon current rules, regulations & statutes in effect on July 26, 2019

Purple Heart Registration

Purple Heart Registration QUESTION This question was answered based upon current rules, regulations & statutes in effect on July 26, 2019

MAP or BAP

MAP or BAP QUESTION This question was answered based upon current rules, regulations & statutes in effect on July 24, 2019

Surviving Spouse Transfers

Surviving Spouse Transfers QUESTION This question was answered based upon current rules, regulations & statutes in effect on July 24, 2019

Non-Payment and Collection of Unearned Premium

Non-Payment and Collection of Unearned Premium QUESTION This question was answered based upon current rules, regulations & statutes in effect on July 24, 2019

Progressive 2As – again

Progressive 2As – again QUESTION This question was answered based upon current rules, regulations & statutes in effect on July 25, 2019

Sales Tax Penalties and Interest

Sales Tax Penalties and Interest QUESTION This question was answered based upon current rules, regulations & statutes in effect on March 28, 2019 I was hoping you could help on this One of our insured’s  had purchased a 1956 Triumph in pieces back in 1982 which he has restored/re-built … the vehicle was untitled to…

New Auto Policy/Suspended License

New Auto Policy/Suspended License QUESTION This question was answered based upon current rules, regulations & statutes in effect on July 23, 2019 Quick Question: If someone has a suspended license can they register and insure a vehicle? I know that for insurance they would have to list a licensed driver but would the registry accept…

Cancellation of Auto Policy

Cancellation of Auto Policy QUESTION This question was answered based upon current rules, regulations & statutes in effect on July 23, 2019 We received a  printed and signed narrative from an insured requesting the cancellation of his auto policy (see attached). Something in my fading memory bank makes me think that this could be an…

Garaging

Garaging QUESTION This question was answered based upon current rules, regulations & statutes in effect on July 19, 2019 I am looking to get information about garaging on Ma auto policy. Is it written anywhere in a MA auto policy that it is an insured’s responsibility to inform the carrier of a garaging change for…

Substitute Transportation

Substitute Transportation QUESTION This question was answered based upon current rules, regulations & statutes in effect on July 19, 2019 I need to have a question answered. On the MA auto policy, from all I have learned in 15 years as an agent, your coverage follows you. If an insured is driving another persons auto…

Moped

Moped QUESTION This question was answered based upon current rules, regulations & statutes in effect on July 19, 2019 I wanted to check into seeing if MAIP has the ability to insure a 49CC moped for a client that is looking to see if he can insure it. Thank you in advance for any guidance…

Slide on Camper

Slide on Camper QUESTION This question was answered based upon current rules, regulations & statutes in effect on June 24, 2019 So sorry to bother you! We have a customer with a “camper” that does not have any wheels, there was not a title issued to it & it is not self propelled: it slides…

Dog Claim

Dog Claim QUESTION This question was answered based upon current rules, regulations & statutes in effect on July 01, 2019 If a dog owned by an insured chews the seat belt, is this covered under the MA Auto Policy? Thank you!

Auto Rental

Auto Rental QUESTION This question was answered based upon current rules, regulations & statutes in effect on July 09, 2019 It’s that time of year again & “is a car I rent covered for physical damage & liability, the same as my vehicles listed on my policy” is being asked. While we always state, BUY…

Trailers and Business Use

Trailers and Business Use QUESTION This question was answered based upon current rules, regulations & statutes in effect on July 11, 2019 We have a strange question.  We have someone who has a boat trailer. It is 4000 lbs.   They tow it with their  business vehicle.    The business vehicle is the only vehicle they have…

Ignition Interlock Device (IID) and Insurance

Ignition Interlock Device (IID) and Insurance QUESTION This question was answered based upon current rules, regulations & statutes in effect on July 08, 2019 I have a question in regards to handling OUI drivers, the registry and auto insurance.  My insured has suspended license.  She will need a breathalyzer in her car per court.  She…

Auto Ins. PAP vs. Comml

Auto Ins. PAP vs. Comml QUESTION This question was answered based upon current rules, regulations & statutes in effect on July 11, 2019 I recently (two months ago) wrote a new personal auto policy for an acquaintance who handed me the expiring declarations when he asked me to write his insurance.  He is a 68…

Rental Coverage and Kids

Rental Coverage and Kids QUESTION This question was answered based upon current rules, regulations & statutes in effect on July 12, 2019 We have had this question several times recently and get different answers from different companies.  So thought I’d ask you. Mom & Dad have mass auto w/ Collision & Comp, 250/500k liab etc. …

Auto Pollution Liability

Auto Pollution Liability QUESTION This question was answered based upon current rules, regulations & statutes in effect on July 15, 2019  I have a question regarding pollution liability. We just took over an auto policy for a client that is a portable bathroom rental company.  I noticed that the current policy did not have any…

Donated Vehicle and Requirements for Use

Donated Vehicle and Requirements for Use QUESTION This question was answered based upon current rules, regulations & statutes in effect on May 10, 2019 Good Morning Irene, I have a unique situation, one of our nonprofits received a 2009 Ford F450 as a gift. The vehicle is presently being retrofitted at the vocational school (we have an inland…

Principal Place of Business

Principal Place of Business QUESTION This question was answered based upon current rules, regulations & statutes in effect on April 01, 2019 Regarding Principal Place of Business Certificate Form-I have a guy with a Ceded CL Auto Policy and his vehicle is registered to himself-he lives in Newburyport and his vehicle is garaged there. However,…

Carvana

Carvana QUESTION This question was answered based upon current rules, regulations & statutes in effect on April 02, 2019 Wondering if you have heard of problems with insureds purchasing vehicles from Carvana-  they will not sign over the title to the insured until 7 days after they purchase it because the insured has 7 days…

Travel Trailers used at Seasonal Campground

Travel Trailers used at Seasonal Campground QUESTION This question was answered based upon current rules, regulations & statutes in effect on April 02, 2019 Happy Spring Irene: It came up in conversation with an underwriter from a particular insurance company that if a travel trailer is parked for the season (April-October) at a campground, that…

Agent Stamped RMV Form/Carrier Declined to Write

Agent Stamped RMV Form/Carrier Declined to Write QUESTION This question was answered based upon current rules, regulations & statutes in effect on April 11, 2019 Reaching out to clarify – if we receive a new business application to review, and ultimately decline due to it being an ineligible risk, but the agency stamped an RMV…

Rented Handicap Accessible Van – Coverage

Rented Handicap Accessible Van – Coverage QUESTION This question was answered based upon current rules, regulations & statutes in effect on April 11, 2019 Good Morning Irene, I have a question for you. My insured has a private passenger auto policy; they need to rent a handicap accessible van for a 24 hour period.  The…

Umbrella Quoting with MVR Information

Umbrella Quoting with MVR Information QUESTION This question was answered based upon current rules, regulations & statutes in effect on April 22, 2019 I know this is an issue we have gone over a few times with you. In regards to quoting an umbrella we know we cannot provide MVR printouts. To obtain the quote…

Bus Conversion to Camper

Bus Conversion to Camper QUESTION This question was answered based upon current rules, regulations & statutes in effect on May 16, 2019 I cannot find the requirements needed to register a bus into a camper. I have had no luck finding that information.

Rate Comparison with Other States

Rate Comparison with Other States QUESTION This question was answered based upon current rules, regulations & statutes in effect on May 17, 2019 How can I get any date regarding rates by coverage in comparison to other state for auto? For instance, I’d love to know where our collision, PD and comp rates are vs.…