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?
Pizza Delivery
Pizza Delivery QUESTION This question was answered based upon current rules, regulations & statutes in effect on January 10, 2019 I was talking to Kathy this afternoon looking for help on the above. We have a personal lines client that has a private passenger vehicle with a private passenger plate registered in the personal name. …
MADOT Requirements for a Caterer
MADOT Requirements for a Caterer QUESTION This question was answered based upon current rules, regulations & statutes in effect on January 15, 2019 We have a customer who owns a restaurant in Massachusetts and also does catering for functions at different locations. They received notice that they may need to apply for a DOT #…
Trailer Rental
Trailer Rental QUESTION This question was answered based upon current rules, regulations & statutes in effect on January 15, 2019 We have a client who had their trailer hit by another vehicle — he uses this trailer in his business to carry tools and materials to job sites — it will be in the shop…
Out-of-State Title
Out-of-State Title QUESTION This question was answered based upon current rules, regulations & statutes in effect on January 16, 2019 I have a quick question for you regarding registering a vehicle from out of state. We have a client who is moving here from Maine who has a Maine title for her vehicle but it…
MAIP Cancellation
MAIP Cancellation QUESTION This question was answered based upon current rules, regulations & statutes in effect on January 16, 2019 I recently issued an Auto policy via MAIP for an insured with a revoked license. I’ve since received a cancellation notice from the carrier that they are cancelling coverage due to named insured having a…
Waiver on BAP
Waiver on BAP QUESTION This question was answered based upon current rules, regulations & statutes in effect on January 17, 2019 I have a contractor that needs waiver of insurance for his commercial auto policy. The ceded carrier does not offer this endorsement. Only on the voluntary side under the policy enhancrments. What do I…
Rental Car Claim
Rental Car Claim QUESTION This question was answered based upon current rules, regulations & statutes in effect on January 22, 2019 I have a client who was involved in a claim with a Hertz rental vehicle. The driver of the hertz was not the renter or listed as a driver. my insd car was totaled…
Cancelling Plate after Total Loss
Cancelling Plate after Total Loss QUESTION This question was answered based upon current rules, regulations & statutes in effect on January 17, 2019 I have an insured whose vehicle was a total loss, and she has been in a rental vehicle. Plates were taken with the car and are still at salvage yard in NY.…
Listing Licensed HHMs
Listing Licensed HHMs QUESTION This question was answered based upon current rules, regulations & statutes in effect on November 28, 2018 There is a discussion going on in our office whether it is a state law or just an insurance company requirement to have all licensed household members listed on each other’s policy. I believe…
No Fault UM/UIM
No Fault UM/UIM QUESTION This question was answered based upon current rules, regulations & statutes in effect on November 30, 2018 If I am in a ‘no fault’ state driving a vehicle insured by a family member, and I am injured in an accident will my uninsured/underinsured respond, if they either have no coverage or…
Policy Effective Date
Policy Effective Date QUESTION This question was answered based upon current rules, regulations & statutes in effect on November 30, 2018 I was told to contact you with this insurance question. We have a new client who came to us to insure a Jeep. He had the Jeep insured with GEICO. It had not been…
DOC on a BAP
DOC on a BAP QUESTION This question was answered based upon current rules, regulations & statutes in effect on December 03, 2018 Seeking clarification on Drive Other Car Coverage on the Business Auto policy. Two different situations: 1. If adding DOC to a business policy, can he be deferred on his wife’s personal policy? Or…
Notice of Non-Renewal MAP
Notice of Non-Renewal MAP QUESTION This question was answered based upon current rules, regulations & statutes in effect on December 05, 2018 We have a renewal policy in for a client for 01/23/19 and the client has 10 points and may file another claim. What is the time element the company can issue a non…
MA USDOT
MA USDOT QUESTION This question was answered based upon current rules, regulations & statutes in effect on December 05, 2018 Hope all is well. Please see below link about some commercial vehicles now needing a DOT number. Have you heard about this? Can you shed any light on it? https://www.mass.gov/regulatory-bulletin/new-usdot-number-requirement-for-intrastate-cmvs