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…
Stolen Vehicle
*This question was answered based on current rules, regulations & statutes in effect as of June 2023. Question One of our customers has property damage from a claim with a Geico insured during the accident…the driver (unknown) left the scene of the accident, and the owner of the vehicle reported the vehicle stolen. Geico claims…
Collision Coverage Question
*This question was answered based on current rules, regulations & statutes in effect as of May 2023. Question A scenario came up today in our team meeting that we had a different opinion on, and I’m hoping you might be able to assist. The insured owns a 2008 Toyota SUV, which was involved in an…