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…
Loss of Use on a Rental Car
Loss of Use on a Rental Car QUESTION This question was answered based upon current rules, regulations & statutes in effect on April 17, 2019 Need clarification on whether or not a rental car company can chase and insured and/or their insurance carrier for loss of use on a vehicle? I know carriers aren’t paying…
Garaging
Garaging QUESTION This question was answered based upon current rules, regulations & statutes in effect on April 17, 2019 MA Auto policy – Looking for feedback on vehicles garaged at college. We (the carrier) expect that garaging should be changed to reflect the vehicle being away at school and will deny a claim if garaging…
Accident with Neighbors Garage
Accident with Neighbors Garage QUESTION This question was answered based upon current rules, regulations & statutes in effect on April 18, 2019 My insured had a car parked in his driveway unregistered/uninsured and was having a company come tow it away for cash. The driveway was long, and the tow truck needed the car pulled…
Umbrella Quotes and MVRs
Umbrella Quotes and MVRs QUESTION This question was answered based upon current rules, regulations & statutes in effect on April 22, 2019 I know this is an issue we (at least EIG) has gone over a few times with you. In regards to quoting an umbrella we know we cannot provide MVR printouts. To obtain…
Appeal of Surcharge
Appeal of Surcharge QUESTION This question was answered based upon current rules, regulations & statutes in effect on April 24, 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 not…
Personal Truck with Company Signage
Personal Truck with Company Signage QUESTION This question was answered based upon current rules, regulations & statutes in effect on April 25, 2019 Question: one of our insureds registered there truck in their personal name and wants to put their Company Name LLC on the truck can they do that? I have read all about…
Plate Returns – Date to Cancel MAP
Plate Returns – Date to Cancel MAP QUESTION This question was answered based upon current rules, regulations & statutes in effect on April 24, 2019 Could you verify in the case where the plate for an auto is returned, if we should remove the auto on the date of the plate return or the following…
Garaging – Livery Plate
Garaging – Livery Plate QUESTION This question was answered based upon current rules, regulations & statutes in effect on April 09, 2019 I was wondering if you could let me know if our C.A.R. carrier has the right to garage our private livery van in Springfield even if it “sleeps” in Holyoke every night but…
Voluntary Surrender of License
Voluntary Surrender of License QUESTION This question was answered based upon current rules, regulations & statutes in effect on April 08, 2019 I have a client who no longer drives and is just going to let his license expire. I think he should turn it in and get a Mass ID- is there a form/procedure…
Unlicensed Operator
Unlicensed Operator QUESTION This question was answered based upon current rules, regulations & statutes in effect on April 08, 2019 One of our insured’s daughter had a friend drive who caused at huge at fault accident. Unbeknownst to the daughter, the friend does NOT have a license. He was arrested at the scene & the…
Surviving Spouse
Surviving Spouse QUESTION This question was answered based upon current rules, regulations & statutes in effect on April 08, 2019 I have a surviving spouse that is going to be transferring everything to his name with the surviving spouse affidavit. We have done the RMV-1 along with surviving spouse sheet and we have the death…
Out-of-State Dealers
Out-of-State Dealers QUESTION This question was answered based upon current rules, regulations & statutes in effect on April 08, 2019 I work at a CT agency and we write in MA and run into the issue where an insured is getting a vehicle from a non-drive dealership. I wanted to confirm if they e-mail or…
CAR Garage Policy Form
CAR Garage Policy Form 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…
New CAR Rules
New CAR Rules QUESTION This question was answered based upon current rules, regulations & statutes in effect on April 08, 2019 This week two agents under me received declinations for quotes on C.A.R. policies. One was for a business based in Natick but the principals split time between Rhode Island and Florida. I was under…
Travel Trailer
Travel Trailer QUESTION This question was answered based upon current rules, regulations & statutes in effect on April 08, 2019 I saw the question of the day on March 22 about travel trailers and I have a question. I have an insured that has a 5th wheel that is kept at a campground in Salisbury…
PIP and OBI
PIP and OBI QUESTION This question was answered based upon current rules, regulations & statutes in effect on April 08, 2019 Passengers are covered under PIP and then optional bodily injury on an auto policy, correct?
3rd. Party Rental
3rd. Party Rental QUESTION This question was answered based upon current rules, regulations & statutes in effect on March 28, 2019 In regards to third party rental, when the insured was not at fault in the accident and needs to rent a car when was it permitted that the other person’s insurance company is allowed…
Out-of-State Violation Reporting
Out-of-State Violation Reporting QUESTION This question was answered based upon current rules, regulations & statutes in effect on March 29, 2019 We have a client who got into an accident while driving a friend’s car in California…will this be reported to Massachusetts for her driving record? What states are reciprocal to MA?
Surviving Spouse Process
Surviving Spouse Process QUESTION This question was answered based upon current rules, regulations & statutes in effect on March 29, 2019 Just a quick question. I have an insured coming in to pick up this form. His brother’s wife passed away. His brother is giving a vehicle which was in his late wife’s name to…
Plate v. Policy Question
Plate v. Policy Question QUESTION This question was answered based upon current rules, regulations & statutes in effect on March 29, 2019 I have a quote that came across my desk with the following: Registered in Personal name as sole proprietor under DL# Used for tree work – moving tools/equipment to sites for tree…
Carrier Refusal and/or Delay to Cancel Policy 2A
Carrier Refusal and/or Delay to Cancel Policy 2A QUESTION This question was answered based upon current rules, regulations & statutes in effect on March 29, 2019 We’ve been having difficulty at times getting a particular Carrier to cancel a Policy or removing a vehicle on a Policy per 2A-Transfer of Insurance form being provided to them (via…
Non Owned Auto Policy
Non Owned Auto Policy QUESTION This question was answered based upon current rules, regulations & statutes in effect on March 28, 2019 Can you suggest where I might be able to obtain a quotation for Drive Other Car / Non-Owned Auto policy for an individual, who does not own a personal auto but may borrow…
Garaging Change
Garaging Change QUESTION This question was answered based upon current rules, regulations & statutes in effect on March 12, 2019 We have a client who recently bought a new car, the car should have been garaged on Martha’s Vineyard. The dealership accidentally registered the car with garaging in Brookline. We have in our notes that…
USDOT Number
USDOT Number QUESTION This question was answered based upon current rules, regulations & statutes in effect on March 13, 2019 Regarding the new U.S. DOT number assignment for intrastate carriers – the regulation says every motor vehicle engage in intrastate “commerce”. Are contractors such as landscapers, plumbers, etc considered to be engaged in “commerce”? Thank…
Plate Type
Plate Type QUESTION This question was answered based upon current rules, regulations & statutes in effect on March 13, 2019 I have a client that has a personal policy rated class 30 as she is a massage therapist and occasionally goes to someones home. She does put magnetic signs on her car occasionally, is she…
Can a REAL ID be switched to Standard ID
Can a REAL ID be switched to Standard ID QUESTION This question was answered based upon current rules, regulations & statutes in effect on March 13, 2019 I have a customer who recently obtained a real ID and the RMV issued it with her given middle name to follow her birth certificate. After this woman…