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Question of the Week

Who Is Selling What?

Who Is Selling What? QUESTION I have a 6 page 2008 Private Passenger Auto Rate Filings chart compiled by MAI a.It is a wonderful reference chart, now outdated.you have a current one I would greatly appreciate accessing one.

3rd Party Auto Claim

3rd Party Auto Claim QUESTION This question was answered based upon current rules, regulations & statutes in effect on July 12, 2017 Good afternoon. I have a client attempting to collect third party for a rental vehicle through Liberty Mutual. They have collision coverage which they are collecting through their own policy. Liberty Mutual has…

Own Dog with Own Vehicle

Own Dog with Own Vehicle QUESTION NOTE: This question was answered based upon current rules, regulations & statutes in effect on July 14, 2011.

Surcharges

Surcharges QUESTION I know this was changed last year. What is the $ amount that takes a claim from a minor accident to a major accident?

Trampoline

Trampoline QUESTION Does the HO 2000 include or exclude coverage for a trampoline?

Use of Other Auto/Rental Vehicle

Use of Other Auto/Rental Vehicle QUESTION An insured’s daughter is home from college and will live at home during the summer. She needs to rent a car – fairly long term.  Would adding the “Use of Other Auto” Endorsement (M-0051-S) to the insured’s policy provide proper coverage, or should the insured take out coverage from …

Collision or Comp?

Collision or Comp? QUESTION This question was answered based upon current rules, regulations & statutes in effect on May 05, 2017

BAP and Trailers 1

BAP and Trailers 1 QUESTION This question was answered based upon current rules, regulations & statutes in effect on May 08, 2017

Road Test and MAP

Road Test and MAP QUESTION NOTE: This question was answered based upon current rules, regulations & statutes in effect on September 13, 2011.

Merit Rating and Commercial Policy

Merit Rating and Commercial Policy QUESTION We represent Philadelphia Ins. Co. I write a package for my church in this office with Philly Ins. The priest has totaled 2 cars in 6 years and neither one has showed up with him having points on a personal policy, because you cannot defer from a commercial policy.…

Deposit Premium

Deposit Premium QUESTION This question was answered based upon current rules, regulations & statutes in effect on May 09, 2017

Proximate Cause

Proximate Cause QUESTION Recently, we had an insured who had his pick-up truck damaged by fire when a family member was burning vegetation. wind caught the fire and it reached the truck. To prevent further damage to the truck the insured ran to move it.It was parked between a car in front and a telephone…

Canada Cards 2

Canada Cards 2 QUESTION This question was answered based upon current rules, regulations & statutes in effect on May 10, 2017

Auto Newly Acquired Vehicle

Auto Newly Acquired Vehicle QUESTION This question was answered based upon current rules, regulations & statutes in effect on May 11, 2017

Actual Cash Value 1

Actual Cash Value 1 QUESTION This question was answered based upon current rules, regulations & statutes in effect on May 12, 2017 Just got off the phone w/ Kathy Cormier.She said to ask you my question. I HAVE A CUSTOMER WHO IS PURCHASING AN 02 GMC SIERRA DIESEL V8 CREW CAB PKUP W/ 16,000 MILES…

Auto – Newly Acquired Vehicles

Auto – Newly Acquired Vehicles QUESTION This question was answered based upon current rules, regulations & statutes in effect on June 01, 2017

2A or Notice of Transfer to Progressive

2A or Notice of Transfer to Progressive QUESTION This question was answered based upon current rules, regulations & statutes in effect on June 14, 2017 Amy sent you an email asking the question in reverse. I called Progressive to have them send Plymouth Rock a 2A since they took over a vehicle the current Plymouth…

Coverage vs. Effective Date

Coverage vs. Effective Date QUESTION This question was answered based upon current rules, regulations & statutes in effect on June 21, 2017

and Markings

and Markings QUESTION This question was answered based upon current rules, regulations & statutes in effect on June 29, 2017 We have an insured who sells a weight loss product from home through social media. She is looking at getting a decal to put on her car. Would she need to get commercial plates since…

Trailers 6

Trailers 6 QUESTION HI…..I have an issue I need to clarify please. My client has an auto policy with us and Safety Ins. They had 2 vehicles and a travel trailer on the policy. They took the two vehicles ONLY to GEICO.I now have a Safety policy with just a trailer, NO LIABIITY just physical…

Auto Non-Payment Cancellations

Auto Non-Payment Cancellations QUESTION This question was answered based upon current rules, regulations & statutes in effect on June 5, 2017

Vehicles Purchased in MA and Registered OOS – Coming Back to MA

Vehicles Purchased in MA and Registered OOS – Coming Back to MA QUESTION This question was answered based upon current rules, regulations & statutes in effect on June 20, 2017 I have a client that moved to Mass from RI. They bought the cars in Mass and they were registered in RI. I sent her…

Bad Payments Made to the Registry

Bad Payments Made to the Registry QUESTION This question was answered based upon current rules, regulations & statutes in effect on May 11, 2017

Bad Checks – RMV Transactions

Bad Checks – RMV Transactions QUESTION This question was answered based upon current rules, regulations & statutes in effect on January 30, 2017

RMV-1 Completion and License Numbers

RMV-1 Completion and License Numbers QUESTION This question was answered based upon current rules, regulations & statutes in effect on June 22, 2017 If I am filing out an RMV-1 to get a MA plate currently he has a TN license what do I put on the RMV-1 for license number?

Markets

Markets QUESTION One of our customers has a Go Cart for their children. What would be the best way to insure? Is there a specialized company?

Company Not Accepting a 2A

Company Not Accepting a 2A QUESTION This question was answered based upon current rules, regulations & statutes in effect on June 22, 2017

ISO Class Codes

ISO Class Codes QUESTION Where can I order the ISO General Liability Class Code list/manual? We would like to have one for the agency.

Canada Cards 1

Canada Cards 1 QUESTION This question was answered based upon current rules, regulations & statutes in effect on June 22, 2017

Commercial Plate or Personal Plate

Commercial Plate or Personal Plate QUESTION This question was answered based upon current rules, regulations & statutes in effect on June 23, 2017

211 CMR 38 Coordination of Benefits

211 CMR 38 Coordination of Benefits QUESTION This question was answered based upon current rules, regulations & statutes in effect on June 26, 2017 MAIA asked me to send my question to you via this to you via email: Client involved in motorcycle accident with injuries and we opened a med pay claim for him…

Can You Keep a Plate When You Buy Out A Lease?

Can You Keep a Plate When You Buy Out A Lease? QUESTION This question was answered based upon current rules, regulations & statutes in effect on June 21, 2017

Can You Keep a Plate When You Buy Out A Lease? 1

Can You Keep a Plate When You Buy Out A Lease? 1 QUESTION This question was answered based upon current rules, regulations & statutes in effect on June 21, 2017

Title Amendment 2

Title Amendment 2 QUESTION Wonder if I can pick your brain… Our client refinanced vehicle, and I endorsed the policy accordingly. Client received a letter from current lienholder stating that she needs to pay $25 for RMV3 so that the new bank (Digital Credit Union) is listed as lienholder w/RMV. I emailed Safety to see…

Low Speed Vehicles2

Low Speed Vehicles2 QUESTION I posed a question on the Mass Agent website and didn’t get a response so I thought I would submit my question directly to you. It is about insuring and registering low speed vehicles (e.g. golf carts).They meet the guidelines of the RMV for registration as they have a 17 digit…

Commercial Registration and Markings

Commercial Registration and Markings QUESTION This question was answered based upon current rules, regulations & statutes in effect on June 29, 2017

Shipping Vehicle

Shipping Vehicle QUESTION This question was answered based upon current rules, regulations & statutes in effect on June 22, 2017 I have a customer whose son will be moving to Arizona later this summer and the customer will be shipping one of his vehicles out there for his son to re-register and insure in his…

Go-Karts

Go-Karts QUESTION Hello there,

Customary Operators 1

Customary Operators 1 QUESTION This question was answered based upon current rules, regulations & statutes in effect on June 27, 2017

3 Month Rental and BAP

3 Month Rental and BAP QUESTION This question was answered based upon current rules, regulations & statutes in effect on June 28, 2016 We have a client that is going to be leasing a truck for a period of “up to 3 months”. The lessor wants to be listed as loss payee on the commercial…