M-0051-S Use of Other Autos
M-0051-S Use of Other Autos QUESTION This question was answered based upon current rules, regulations & statutes in effect on March 07, 2019 I’m hoping to get some information on MA Endorsement M-0051-S-Use of Other Autos-Vehicles Furnished or Available For Regular Use Curious who should be buying this endorsement? Also, would it be required if…
License Issue and MAP
License Issue and MAP QUESTION This question was answered based upon current rules, regulations & statutes in effect on March 07, 2019 I just had an interesting scenario here in the agency. Someone came in currently working with an African refugee who has purchased a used vehicle. The Refugee has been permitted only for 1…
Co-Lessee on Vehicle RMV-1
Co-Lessee on Vehicle RMV-1 QUESTION This question was answered based upon current rules, regulations & statutes in effect on March 12, 2019 I called the dealer this morning for some clarification as my client is trying to tell me Linda is “only on the loan”. When I called the dealer to see if she is…
Dual Registration
Dual Registration QUESTION This question was answered based upon current rules, regulations & statutes in effect on March 08, 2019 We have a quick question on a MA auto client who is planning on buying a home in R.I. She will continue to work in MA full time & will keep her room at her…
Blue Light Permit
Blue Light Permit QUESTION This question was answered based upon current rules, regulations & statutes in effect on March 12, 2019 I am not sure who would be able to assist therefore I emailed both. I insure a police officer for his home and auto currently. He called today because he was told that he…
Ride Share Coverage
Ride Share Coverage QUESTION This question was answered based upon current rules, regulations & statutes in effect on March 11, 2019 I have a prospect who contacted me about covering her new ride share business here in Boston. I have access to the James River Program which is $125,000 MP but is apparently the sole…
Travel Trailers
Travel Trailers QUESTION This question was answered based upon current rules, regulations & statutes in effect on March 12, 2019 Placing travel trailers on mass auto policy what are the disadvantages
Individual as Lienholder
Individual as Lienholder QUESTION This question was answered based upon current rules, regulations & statutes in effect on March 7, 2019 I have a quick question for you. I have a client that is purchasing a vehicle cash for their friend. I am currently working on the quote for this friend now for new business.…
Auto Policy for Permit Holder
Auto Policy for Permit Holder QUESTION This question was answered based upon current rules, regulations & statutes in effect on March 7, 2019 Good afternoon, I just had an interesting scenario here in the agency. Someone came in currently working with an African refugee who has purchased a used vehicle. The Refugee has been permitted…
Use of Other Autos – M-0051-S
Use of Other Autos – M-0051-S QUESTION This question was answered based upon current rules, regulations & statutes in effect on March 7, 2019 Good Morning, I’m hoping to get some information on MA Endorsement M-0051-S-Use of Other Autos-Vehicles Furnished or Available For Regular Use Curious who should be buying this endorsement? Also, would it…
Vehicle with a 6 Inch Lift Kit
Vehicle with a 6 Inch Lift Kit QUESTION This question was answered based upon current rules, regulations & statutes in effect on March 7, 2019 I think I know most of the Registry questions but this is a new one. One of my clients went to get an inspection on his 2018 Ford F150 truck. …
MA Laws Regarding Cancellation
MA Laws Regarding Cancellation QUESTION This question was answered based upon current rules, regulations & statutes in effect on February 05, 2019 Can you send me the link to the Mass law regarding non-pay cancellations? We always enforce it here but clients are constantly saying “I’ve never heard of this”. I feel like I’ve Googled…
Garaging
Garaging QUESTION This question was answered based upon current rules, regulations & statutes in effect on February 07, 2019 Can you have someone get back to me on this question. I have a Mom who is purchasing a car in her name and is going to have her daughter use it exclusively, who lives in…
BAP
BAP QUESTION This question was answered based upon current rules, regulations & statutes in effect on February 07, 2019 Can the daughter of the owner of a Massachusetts commercial Lines Auto policy use his vehicle that is insured under the corporation while he is on vacation for the month?
Owner Retained Title
Owner Retained Title QUESTION This question was answered based upon current rules, regulations & statutes in effect on February 25, 2019 Need your help. Insured’s vehicle was declared a total loss. She retained the car and fixed it. She did not apply for salvage/reconstructed title. What she applied for was an “owner retained title”. So I…
Carvana Internet Car Buying Service
Carvana Internet Car Buying Service QUESTION This question was answered based upon current rules, regulations & statutes in effect on February 26, 2019 I was wondering if you had any information on Carvana Internet Car Buying Service. I have an insured purchasing a vehicle from them and I’m not quite sure of the procedure. I…
Workers’ Compensation
Workers’ Compensation QUESTION This question was answered based upon current rules, regulations & statutes in effect on February 26, 2019 We have a Massachusetts client that delivers lumber and building materials to customers in the State of RI. The client has a MA Workers Compensation Policy. The employees all reside in MA and work from…
Military and MAP
Military and MAP QUESTION This question was answered based upon current rules, regulations & statutes in effect on February 12, 2019 I have a question that our office is scratching their heads about today! Safety told me that if a person goes away into the Military that they are still a household member and need…
State of Emergency and Auto
State of Emergency and Auto QUESTION This question was answered based upon current rules, regulations & statutes in effect on February 15, 2019 Ready for this one? I have an insured who is obviously retired and has nothing better to do with his time! He called today asking that, since the President has declared a…
GrubHub
GrubHub QUESTION This question was answered based upon current rules, regulations & statutes in effect on February 15, 2019 We have a client who wants to drive for GrubHub. He is an individual with a private passenger vehicle, commercial plates. Commercial Lines says it is not a commercial risk as it is an individual with…
Trailer
Trailer QUESTION This question was answered based upon current rules, regulations & statutes in effect on February 15, 2019 I have a customer who purchased a 2018 Jayco trailer. She told me that she uses her mom’s SUV to pull the Jayco since she has a Dodge Charger. Do you know if there was a…
PUP
PUP QUESTION This question was answered based upon current rules, regulations & statutes in effect on January 22, 2019 Good morning! When an insured uses a commercial vehicle for personal use and has a personal umbrella, how to we make sure they have coverage without gaps? Do we need to include both the M0051S Use…
Declining to Write With MAIP
Declining to Write With MAIP QUESTION This question was answered based upon current rules, regulations & statutes in effect on January 17, 2019 I was told by someone that works for another agency that they do not write insurance with MAIP. If none of their carriers will offer coverage, they turn the person away. Can…
Garaging Change
Garaging Change QUESTION This question was answered based upon current rules, regulations & statutes in effect on January 24, 2019 I understand if you change your address the garaging gets changed for a personal plate. I know the commercial accounts they fax into the IRS the address change also. But does it also change for…
Rental as a Substitute Vehicle
Rental as a Substitute Vehicle QUESTION This question was answered based upon current rules, regulations & statutes in effect on January 24, 2019 We all know the “gaps” in how our policy will follow us while we are renting a car while on vacation. Does your own policy follow you any “differently” if you are…
Bobcat
Bobcat QUESTION This question was answered based upon current rules, regulations & statutes in effect on January 18, 2019 Can a Bobcat be registered?
Out-of-State Title
Out-of-State Title QUESTION This question was answered based upon current rules, regulations & statutes in effect on January 22, 2019 I have a title from Florida that shows the owners as the husband OR the wife The husband is deceased Do I still have to fill out the back of the title with the wife…
Registering a Vehicle for a Company
Registering a Vehicle for a Company QUESTION This question was answered based upon current rules, regulations & statutes in effect on January 22, 2019 I wanted to reach out to just inquire if what I believe is correct with regards to registering a company vehicle. I have a client whom has his vehicle registered under…
Aftermarket Lift Kit
Aftermarket Lift Kit QUESTION This question was answered based upon current rules, regulations & statutes in effect on January 22, 2019 My insured is purchasing a 2006 Jeep. It has a 4” aftermarket Lift Kit. Are there any rules at MASS DOT that make this illegal to register in MA? Thanks!
Commercial Weight Cap for Registration
Commercial Weight Cap for Registration QUESTION This question was answered based upon current rules, regulations & statutes in effect on January 24, 2019 Is there a weight cap where it would have to go to a CON plate in MA?
Record Retention
Record Retention QUESTION This question was answered based upon current rules, regulations & statutes in effect on January 23, 2018 Do you know what the rules/laws are regarding keeping old files. In January 2017, we started to scan all of our documents. We still have files from 2016 back to 2012 in some cases. I…
Backhoe Registration
Backhoe Registration QUESTION This question was answered based upon current rules, regulations & statutes in effect on November 08, 2018 I have a customer inquiring on how to get a backhoe on the road. What kind of plate would it need and would it go on a comm’l auto policy? Let me know.
Personal Umbrella/Business Use Auto
Personal Umbrella/Business Use Auto QUESTION This question was answered based upon current rules, regulations & statutes in effect on November 26, 2018 Does my personal umbrella follow me as a driver of my business car when I am using it for personal use ??? I believe the umbrella is intended to follow ME not just…
Employee Use of Personal Vehicle
Employee Use of Personal Vehicle QUESTION This question was answered based upon current rules, regulations & statutes in effect on November 27, 2018 I was hoping you could assist with a question from one of my health center clients. The health center is asking one of their employees (with a personal auto policy) to drive…
Operator Exclusion
Operator Exclusion QUESTION This question was answered based upon current rules, regulations & statutes in effect on November 27, 2018 I just read the Tech Talk on Operator Exclusions. This is great !! THANK YOU for putting it together . This has always confused me!! Our company does not allow us to use the exclusion…
Garaging on BAP
Garaging on BAP QUESTION This question was answered based upon current rules, regulations & statutes in effect on November 28, 2018 I have a client who has two Auto policies…A Massachusetts Automobile policy and an Out of State Automobile policy. Their home office is in Hudson, NH (They moved from Dracut, MA two years ago)…
Loss of Use on a Rental
Loss of Use on a Rental QUESTION This question was answered based upon current rules, regulations & statutes in effect on January 07, 2019 Question is does loss of use on rental vehicles covered? Basically this is you rent a car and involved in accident and the rental had to be taken out of commission…
Truck-Tractor Cost New
Truck-Tractor Cost New QUESTION This question was answered based upon current rules, regulations & statutes in effect on January 07, 2019 When we add a large truck-tractor to a commercial auto policy should the federal excise tax amount be included in the cost new of the vehicle? this tax can be thousands of dollars. Thank…
Auto Classification Change
Auto Classification Change QUESTION This question was answered based upon current rules, regulations & statutes in effect on January 09, 2019 Do insurance companies have the right NOT to amend a classification mid term? One of our insured’s was first licensed in Dec 2015 and their policy renewed Nov 2018, when we followed up with…
Mobile Equipment – Physical Damage
Mobile Equipment – Physical Damage QUESTION This question was answered based upon current rules, regulations & statutes in effect on January 10, 2019 Is it better to put the physical damage for a registered piece of mobile equipment on an inland marine or an auto policy?