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.…
Resident Benefit Package
Resident Benefit Package QUESTION This question was answered based upon current rules, regulations & statutes in effect on May 17, 2019 This has nothing to do with an auto policy , but perhaps you can direct me to someone else. We have a client that is renting and has purchase a tenants policy thru our…
Should I Send a 2A??
Should I Send a 2A?? QUESTION This question was answered based upon current rules, regulations & statutes in effect on May 17, 2019 I have a strange situation and don’t know how or if I do a BU2A for it. The insured’s mother has a leased vehicle that the daughter took over. The leasing company…
Massachusetts HO Policy
Massachusetts HO Policy QUESTION This question was answered based upon current rules, regulations & statutes in effect on May 04, 2019 I am looking for the most up to date copy of the Massachusetts Homeowners policy and the Massachusetts Auto policy. Some of our auto body shops are stating that they will not work on…
Substitute Transportation
Substitute Transportation QUESTION This question was answered based upon current rules, regulations & statutes in effect on May 21, 2019 What is the rule for rentals in a third party claim? Twice I have had issues with Progressive and GEICO stating that we have to use their company to appraise the vehicle in order to…
TNC Endorsements
TNC Endorsements QUESTION This question was answered based upon current rules, regulations & statutes in effect on May 22, 2019 Are there any companies in MA besides Commerce that offer the TNC endorsement?
New Law for Discounts?
New Law for Discounts? QUESTION This question was answered based upon current rules, regulations & statutes in effect on May 22, 2019 Was there a new law passed in May 2019 regarding low mileage and surcharge points that allows discount?
What Type of Plate
What Type of Plate QUESTION This question was answered based upon current rules, regulations & statutes in effect on May 22, 2019 Good morning, If my insured puts a sign on her car will she need a commercial plate. I think yes but some of us think no since it is not on all the…
Trailer Recreational Use or Not
Trailer Recreational Use or Not QUESTION This question was answered based upon current rules, regulations & statutes in effect on May 24, 2019 My insured has a fifth wheel that he keeps at a campground for the summer. I know under the auto policy, it states if used as residence it is not covered. It…
BAP and Trailer
BAP and Trailer QUESTION This question was answered based upon current rules, regulations & statutes in effect on May 27, 2019 Commercial Auto client is going to pull a 6000 GVW trailer that is owned by him and his wife individually with one of his commercial vehicles. Will the commercial auto liability provide the liability…
Trailer at Campground
Trailer at Campground QUESTION This question was answered based upon current rules, regulations & statutes in effect on May 27, 2019 Campers parked at campground is there still physical damage?
Med Pay
Med Pay QUESTION This question was answered based upon current rules, regulations & statutes in effect on May 29, 2019 I just quoted an auto for a new client and used their existing Dec as a guide. I suggested removing medical payments and explained PIP and the Mass limit of 2000 if the insured had…
What is the Correct Plate Type
What is the Correct Plate Type QUESTION This question was answered based upon current rules, regulations & statutes in effect on May 09, 2019 If someone uses a vehicle in their business and they put signs on the vehicle do they need to get commercial plates? I currently have it listed as class 30 on…
Accident Forgiveness
Accident Forgiveness QUESTION This question was answered based upon current rules, regulations & statutes in effect on May 10, 2019 Accident Forgiveness…how do we know now the carrier filed with the Division of Insurance? This may sound stupid on my part but if I have a customer who has the accident forgiveness on their auto…
Motorcycle Question
Motorcycle Question QUESTION This question was answered based upon current rules, regulations & statutes in effect on May 02, 2019 Do you know of any verbiage for Mapfre/Commerce -where I can find that there is no Annual Mileage credit on motorcycles ?
SDIP Question
SDIP Question QUESTION This question was answered based upon current rules, regulations & statutes in effect on May 03, 2019 I was curious if you could answer a question for me. We have a policyholder whose current policy has a 3 point surcharge on it and would be a points 98 at renewal come 03/2020. …
Commercial Lettering on Passenger Vehicle
Commercial Lettering on Passenger Vehicle QUESTION This question was answered based upon current rules, regulations & statutes in effect on May 03, 2019 Good afternoon Irene, Hope you are well. I was hoping you might be able to help me understand eligibility for a MAP if a vehicle has commercial lettering on it but not…
Binder Language for Auto
Binder Language for Auto QUESTION This question was answered based upon current rules, regulations & statutes in effect on May 03, 2019 I am told you are a wiz in the industry and would likely provide the best answer to my question. When stamping an RMV-1 for a dealership and providing a binder, should there…
Appeal of Surcharge Points
Appeal of Surcharge Points QUESTION This question was answered based upon current rules, regulations & statutes in effect on May 07, 2019 We have an insured who was surcharged for an accident and at the time liability was determined I questioned it as I thought 50/50 was appropriate for this situation but the adjuster did…
Claims Question on Body Shops
Claims Question on Body Shops QUESTION This question was answered based upon current rules, regulations & statutes in effect on May 08, 2019 I have an insured who has gone third party for his physical damage claim and the carrier will not accept a direction to pay from the body shop because they are not…
Rental of a U-Haul
Rental of a U-Haul QUESTION This question was answered based upon current rules, regulations & statutes in effect on May 09, 2019 Is there a tech talk regarding rental of U-Hauls under a MA auto policy
Registration for 26,000 lb Truck and Permits
Registration for 26,000 lb Truck and Permits QUESTION This question was answered based upon current rules, regulations & statutes in effect on May 13, 2019 If we have a vehicle with a GVW of 26,000 lbs. and travels in more that one state can we register Commercial without having to get trip permits when it…
Summer/Winter Swap
Summer/Winter Swap QUESTION This question was answered based upon current rules, regulations & statutes in effect on May 13, 2019 Not sure if you can help me or someone else ? I tried finding this in the Registry but couldn’t find out the answer on What situations would you use the Summer/Winter swap box on…
Principal Place of Business Form
Principal Place of Business Form QUESTION This question was answered based upon current rules, regulations & statutes in effect on March 28, 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.…
Garage Risk
Garage Risk QUESTION This question was answered based upon current rules, regulations & statutes in effect on April 08, 2019 I have a client that has a DLN plate but most of his revenue is derived from repairs. Since he works on heavy and x-tra heavy trucks, it would go to CAR. Does the %…
Commercial Policy and Trailers
Commercial Policy and Trailers QUESTION This question was answered based upon current rules, regulations & statutes in effect on April 11, 2019 Does a BAP automatically extend liability coverage to a trailer(14,000 GVW), not listed on the policy, that is owned by the same person? I was always told that commercial policies need to have…
Additional Insured vs. Named Insured
Additional Insured vs. Named Insured QUESTION This question was answered based upon current rules, regulations & statutes in effect on April 11, 2019 Should a person that is listed on a deed but doesn’t reside in the residence be listed as a named insured or additional insured?
Company Refusal to Add Driver – Can they do this
Company Refusal to Add Driver – Can they do this QUESTION This question was answered based upon current rules, regulations & statutes in effect on April 11, 2019 We have a client who recently bought an additional car. Their son had an injury and is disabled. The additional car was bought for their son’s friend…
Diminished Value
Diminished Value QUESTION This question was answered based upon current rules, regulations & statutes in effect on April 12, 2019 I have a client who is filing a diminished value claim against a carrier. The claim rep for the carrier stated the Massachusetts has stopped diminished value claims against insurance carriers effective 12/2017. Please advise…
Commercial Truck and Personal Trailer
Commercial Truck and Personal Trailer QUESTION This question was answered based upon current rules, regulations & statutes in effect on April 18, 2019 Our client has a business auto policy in his and his wife’s name and DBA which covers a truck registered in his name using the business tax id #. He is not…
Total Loss and Federal Excise Tax Reimbursement
Total Loss and Federal Excise Tax Reimbursement QUESTION This question was answered based upon current rules, regulations & statutes in effect on April 30, 2019 I was wondering whether you or someone at your office could assist me with the following dilemma that I am having with settling a claim for one of my insureds……
Rental and CDW
Rental and CDW QUESTION This question was answered based upon current rules, regulations & statutes in effect on April 30, 2019 Good Morning, My co-worker and I are disagreeing on what coverage transfers from a MA auto policy to a vacation rental car. She feels that if the vehicle on the policy is old it’s…
Kit Car Coverage
Kit Car Coverage QUESTION This question was answered based upon current rules, regulations & statutes in effect on May 1, 2019 I called this afternoon and was directed to email you to pick your brain as a benefit of membership. I’m hopeful you can point me in the right direction. We have an insured who…
UM/UIM Coverage on Umbrella
UM/UIM Coverage on Umbrella QUESTION This question was answered based upon current rules, regulations & statutes in effect on May 1, 2019 I have an insured that is inquiring about UM/UIM coverage on umbrella policy. He currently has his limits maxed out on his auto policy but he wants more coverage! His friend was in…
Trailers Parked for Season
Trailers Parked for Season QUESTION This question was answered based upon current rules, regulations & statutes in effect on May 1, 2019 My insured has a fifth wheel that he keeps at a campground for the summer. I know under the auto policy, it states if used as residence it is not covered. It also…
Vehicle Sale to a Minor
Vehicle Sale to a Minor QUESTION This question was answered based upon current rules, regulations & statutes in effect on April 29, 2019 We have an Insured who is 16 and has a valid mass drivers license. He was trying to purchase a vehicle and the dealership is telling him he cannot register the vehicle…
HO 24 13
HO 24 13 QUESTION This question was answered based upon current rules, regulations & statutes in effect on April 29, 2019 I need your expertise on this endorsement. Is there any case-law for using this endorsement to get road liability coverage for a personal use tractor ? If not, how do agents handle getting liability…
Binding Authority and Endorsements
Binding Authority and Endorsements QUESTION This question was answered based upon current rules, regulations & statutes in effect on April 11, 2019 We have a client who recently bought an additional car. Their son had an injury and is disabled. The additional car was bought for their son’s friend who is using the car to…
Named Insureds
Named Insureds QUESTION This question was answered based upon current rules, regulations & statutes in effect on April 11, 2019 We have a MA Auto risk for a father who solely owns a vehicle and his daughter who solely owns her vehicle. They are the only household residents. I’m getting mixed feedback on whether we…
Auto towed on a trailer
Auto towed on a trailer QUESTION This question was answered based upon current rules, regulations & statutes in effect on April 11, 2019 Good Afternoon Irene!!! I believe you have addressed this question before in Question of the Day but I can’t find it…. We have an insured with a regular auto policy and an…