Off Premises Power Loss and Resulting Power Surge
*This question was answered based on current rules, regulations, and statutes in effect as of May 2024. Question We have an insured that had a loss back in March from the last snow storm. A tree fell on a pole and caused a power surge to his house. The pole was off premise. Carrier is…
In-Law Apartment vs. Two-Family
*This question was answered based on current rules, regulations, and statutes in effect as of May 2024. Question Hope all is well – we are having a lively discussion in our office and can’t agree, so I said I will ask MAIA, “What is the difference between a one-family with an in-law apartment and a…
Earth Movement Exclusion & Blasting Operations
*This question was answered based on current rules, regulations & statutes in effect as of May 2024. Question We had an interesting call last week from a prospect. The individual lives near a quarry where blasting takes place on a regular basis. If the blasting causes any damage to his home or pool, would it…
Garagekeepers vs. On-Hook Coverage
*This question was answered based on current rules, regulations & statutes in effect as of May 2024. Question If an Insured already has Garagekeepers Legal Liability coverage, does it also need On-Hook Coverage CA0402 or is On-Hook Coverage for a pure towing operation that does nothing more than pick up and deliver autos between other…
HO-3 Coverage
*This question was answered based on current rules, regulations & statutes in effect as of April 2024. Question Here’s a story and just trying to see if there is any chance of HO-3 coverage. Policyholders’ 9 yr old is visiting his 15 yr old cousin in Brockton (postage stamp lots). The older kid (that lives…
MA Fair Plan
*This question was answered based on current rules, regulations & statutes in effect as of April 2024. Question I hope you are well! We quoted some MPIUA homes last week, and today, two were rejected because they said we didn’t use the new RCT info from 2/24. Coverage A went up over $300K on one!…
RTA Questions & Answers
*This question was answered based on current rules, regulations & statutes in effect as of April 2024. Questions & Answers A few questions have come up at our agency, and I was hoping you could help. If a dealership (non-drive) sells a vehicle, is that dealership responsible for completing the RTA? If it is a…
Lease Buyout and Plate Reassignment
*This question was answered based on current rules, regulations & statutes in effect as of April 2024. Question Quick question for you. I’ve noticed recently that the registry has allowed folks buying out their leases to keep the same plates. Can you tell me what we check off on the RTA to indicate this? Answers…
WC Classification
*This question was answered based on current rules, regulations & statutes in effect as of March 2024. Question I have an insured who operates a not-for-profit cemetery. They want to appeal the assignment of class code 9220; see the email excerpt below. I have been on the DIA website and called their general number but…
Assisted Living Coverage
*This question was answered based on current rules, regulations & statutes in effect as of March 2024. Question I have a client. He & his wife are both Named Insured (NI). He is now in a nursing home. Policy on HO 00 05 05 11. I believe the HO 04 59 05 11 Assisted Living…
Coverage for MAIP Policy on Imported Vehicle
*This question was answered based on current rules, regulations & statutes in effect as of March 2024. Question I have a question regarding a personal auto policy. One of my clients plans to import a 1995 Nissan ATLAS from Japan for personal use, with no business involvement. The vehicle weighs 6000 pounds and has the…
WC for Uninsured Subs
*This question was answered based on current rules, regulations & statutes in effect as of March 2024. Question Do you have anything I can show the Insured regarding the Workers Comp Audit we discussed on Friday? He hired a sub to do about $20K in work last year; the sub is also a carpenter and…
GL Certificates
*This question was answered based on current rules, regulations & statutes in effect as of January 2024. Question Looking to see if you can assist. Question about issuing GL certificates. I have an insured who is a roofer/carpenter. His GL policy excludes snow removal…he has requested that we send a certificate to a vendor for…
Flood Coverage for Storage Unit
*This question was answered based on current rules, regulations & statutes in effect as of January 2024. Question Would Flood contents coverage extend to a storage unit? Also, been out of the Flood game for a while…can you cancel prorate or is it fully earned? Answer Laura Poulin: To answer your questions, I assume you…
Endorsement for Company Furnished Vehicles
*This question was answered based on current rules, regulations & statutes in effect as of January 2024. Question Isn’t there an endorsement we can add on a personal auto policy for a client that uses his company furnished car for personal use too? We have a client who works for a company and furnished a…
Property Non-Renewal Notice Due to Inspection
*This question was answered based on current rules, regulations & statutes in effect as of January 2024. Question Can you please help with the questions below? Some of the account managers here are struggling with all the non-renewals we’re receiving from our standard companies for mainly property but also auto. For property, we would typically…
Named Non-Owner
*This question was answered based on current rules, regulations & statutes in effect as of December 2023. Question Hi there…are these 100% earned, short rate, or carrier specific? Thank you! Answer Irene Morrill: The CAR manual and the AIB manual discuss “short rate cancellation” of auto policies unless the insured requests cancellation within 30 days…
High Value Vehicle
*This question was answered based on current rules, regulations & statutes in effect as of December 2023. Question We have an insured taking delivery of a New Used car today – a 2022 Porsche with a Purchase price of 146,000. He bought the car from a dealer in Florida, and it is being delivered to…
Deferred Driver
*This question was answered based on current rules, regulations & statutes in effect as of December 2023. Question Please help me with this question today. I have a new insured who wants to bring 3 of his 4 autos from Carrier A. He wants to leave still 1 auto with Carrier A with his two…
PIP Procedures
*This question was answered based on current rules, regulations & statutes in effect as of November 2023. Question I have had two clients in the past few months: They went with a third party on rear-end collisions. Both were determined to not be 0 % at fault – the third-party company accepted full liability Each…
Maine Registered Trailers
*This question was answered based on current rules, regulations & statutes in effect as of November 2023. Question Can you tell me the scoop on businesses registering their trailers in Maine when we have the trucks registered and insured in Massachusetts? This is coming up more often than I like to see. When they register…
Passenger Injury While In a TNC Vehicle
*This question was answered based on current rules, regulations & statutes in effect as of November 2023. Question We have an insured whose son doesn’t’ drive, so they use LYFT. Her question is, if they don’t have proper coverage and her son is injured, what do they need to do? The insured (parents of the…
RTA and Personal Information
*This question was answered based on current rules, regulations & statutes in effect as of October 2023. Question I hope all is well in your corner of the insurance universe!! We have been advised long ago by our IT/Security firm that MA Privacy Laws prohibit the emailing of driver’s licenses as well as other data.…
Glass Coverage
*This question was answered based on current rules, regulations & statutes in effect as of October 2023. Question Do you know if MA Auto Carriers are required to offer full glass coverage under comprehensive coverage, or can they just offer glass coverage with a deductible? Answer Laura Poulin: According to MA’s cracked windshield law, insurers…
WC Cert and 30-Day Notice to Cancel
*This question was answered based on current rules, regulations & statutes in effect as of October 2023. Question I have an insured who has a client requesting to be listed on the insured’s Workers Comp Certificate of Insurance and requested the certificate include a 30-day Notice of Cancellation to the 3rd party. I have not…
Collision Coverage – If Hit by a Stolen Vehicle
*This question was answered based on current rules, regulations & statutes in effect as of October 2023. Question We had a prospect come into our office to insure his car. He said recently his car was hit while parked by a car that was stolen and involved in a police chase. He has collision, but…
Trailer Claim
*This question was answered based on current rules, regulations & statutes in effect as of October 2023. Question Auto – our insured (commercial policy) lent a trailer to his friend. His friend was in an accident. Hanover asked us to put in a claim under our insured’s policy. I “assume” because the driver’s vehicle insurance…
Trailers and Commercial Vehicles
*This question was answered based on current rules, regulations & statutes in effect as of October 2023. Question I wanted to check with you regarding trailers being pulled with a commercial vehicle. I have been under the understanding that if a trailer is being pulled with a commercial vehicle, it should be listed on that…
Rental Coverage
*This question was answered based on current rules, regulations & statutes in effect as of August 2023. Question Today, I had an underwriter tell me that the Mass Auto Policy (liability, collision, comp) does not extend to a rental vehicle. However, my understanding is that the coverage you carry on your Auto Policy will extend…
Rebating
*This question was answered based on current rules, regulations & statutes in effect as of July 2023. Question Good afternoon; I have a hypothetical. Can a licensed Insurance Agent or Producer accept Gift cards from Glass Companies? If yes, is there a limit on the gift card that an agent or producer can accept? Thank…
Non-Profit and Liability for Employee’s Auto
*This question was answered based on current rules, regulations & statutes in effect as of July 2023. Question My question is this – if a non-profit corporation carries symbols 7 & 8 on an MA Auto coverage form, will liability coverage respond to an accident in a vehicle rented by an employee or volunteer for…
Disability Tax Exemption
*This question was answered based on current rules, regulations & statutes in effect as of July 2023. Question I hope all is well with you. I have a friend that I am trying to help out as her dad’s insurance person is not helpful with a question she has. I am hoping you can assist…
Special Mobility Equipment
*This question was answered based on current rules, regulations & statutes in effect as of July 2023. Question I saw today’s question and answer. In regard to employees who use their vehicle as part of their job – my thinking was that their vehicle didn’t need to be a class 30. It is not THEIR…
MA Auto and Total Loss
*This question was answered based on current rules, regulations & statutes in effect as of July 2023. Question I have a MA carrier, written through MAIP, who is advising that ACV is not the same as replacement value on a totaled vehicle, with the same like, kind, and quality. I’ve never had a carrier respond…
Registration vs. Coverage Start Date
*This question was answered based on current rules, regulations & statutes in effect as of July 2023. Question I have a kind of silly question regarding registering your car and when coverage beginnings. Does coverage start when the vehicle is registered or starts on the date of purchase? For endorsement purposes, do we add a…
Coverage for Autos with Handicap Equipment and Drivers
*This question was answered based on current rules, regulations & statutes in effect as of June 2023. Question We had an inquiry about where to go on coverage. I believe we would need to write a ceded commercial auto policy as I do not believe it would qualify for Mass personal auto. Can I get…
Removable Equipment
*This question was answered based on current rules, regulations & statutes in effect as of June 2023. Question Being a Jeep owner myself, I’m not sure why my brain never chewed this one around before, but it came up with a customer, so I wanted to be sure – Wranglers have doors and a roof…
Canadian Vehicles
*This question was answered based on current rules, regulations & statutes in effect as of June 2023. Question We had an insured come in with a vehicle that was gifted to him from his parents in Canada. Do you know what we need to do to get it registered in Massachusetts? Thanks! Answer Kathy Cormier:…
Drones
*This question was answered based on current rules, regulations & statutes in effect as of June 2023. Question Hope all is well. I was browsing through your Tech Talks, looking to see if you did one on Drones. I tried to search by Drones, and nothing came up. If you did one, will you please…
Business Use MA Auto Coverage
*This question was answered based on current rules, regulations & statutes in effect as of May 2023. Question Someone on my CL team reached out regarding a large account that they handle. They have a CL auto, and there are several employees that use their personal autos for business use. The CL auto policy contains…