Skip to content

Question of the Week

Dual Registration 1

Dual Registration 1 QUESTION This question was answered based upon current rules, regulations & statutes in effect on March 16, 2017

Trust2

Trust2 QUESTION I have been directed to you because you are the insurance guru of ALL! We have a debate going on and cannot come to an agreement: Insured has moved from NH to MA His vehicle is registered in NH in a trust His MA carrier will not provide coverage (except collision and comp)…

Procedure when Client Moves Out-of-State

Procedure when Client Moves Out-of-State QUESTION I have heard different explanations for the situations below. Can you please clarify? Insured moves out of state, we change his policy to reflect new address and notify him that he needs to secure coverage at new location and provide us with a Plate Return Receipt for the MA…

When Do You Need A CDL

When Do You Need A CDL QUESTION  

Garage Keepers or GL

Garage Keepers or GL QUESTION This question was answered based upon current rules, regulations & statutes in effect on March 07, 2017

Travel Trailer Parked for Season

Travel Trailer Parked for Season QUESTION Our insured has a Travel Trailer that they pull with their truck, but, use as a residence when they are at a campground. Coverage has been written with Foremost Ins. and liability with their auto carrier when being pulled on the road. My question: Foremost provides only $50,000. Vacation…

Coverage for Parts 3/5/12

Coverage for Parts 3/5/12 QUESTION This question was answered based upon current rules, regulations & statutes in effect on April 14, 2017

Operator Exclusion2

Operator Exclusion2 QUESTION What is a fair time-frame on allowing customers to utilize the Operator Exclusion endorsement on the MAP to credit their policy each and every time their student comes and goes from college? We have some parents that submit the Operator Exclusion from every month their child returns to college, sometimes… Every two…

Gender Designation Change

Gender Designation Change QUESTION  

EVR/DRIVE Dealer Requirements

EVR/DRIVE Dealer Requirements QUESTION This question was answered based upon current rules, regulations & statutes in effect on April 10, 2017

Intentional Act

Intentional Act QUESTION My friend’s daughter intentionally drove her vehicle off the road and struck a tree. She passed and when her parents went to her apartment they found the suicide note. Up this is devastating. The state police are asking for permission to check the data on the vehicle to determine cause and they…

Registration Cancelled On-Line and Left on Vehicle

Registration Cancelled On-Line and Left on Vehicle QUESTION This question was answered based upon current rules, regulations & statutes in effect on February 17, 2017 My insured turns in a plate online and does not take the plate off the car. Are unaware he plate has been turned in. Drives the car and gets in…

Changes in Terrorism Exclusions – Fire Following Coverage?

Changes in Terrorism Exclusions – Fire Following Coverage? QUESTION This question was answered based upon current rules, regulations & statutes in effect on May 10, 2016

Distracted Driving

Distracted Driving QUESTION This question was answered based upon current rules, regulations & statutes in effect on April 10, 2017

Getting Rid of a Ceded Auto Insured

Getting Rid of a Ceded Auto Insured QUESTION

UBER and Registration

UBER and Registration QUESTION We are confused. If you use your personal vehicle to drive for UBER don’t you need to have livery plates on your personal vehicle and a commercial policy covering it? Now some companies are giving some coverage while the vehicle is between pickups – can you use your personal plates to…

Camper Policy for Non-Resident

Camper Policy for Non-Resident QUESTION This question was answered based upon current rules, regulations & statutes in effect on March 31, 2017

a Tractor – Plate v. Policy

a Tractor – Plate v. Policy QUESTION This question was answered based upon current rules, regulations & statutes in effect on March 31, 2017 We have a client that is looking to register a tractor here in MA. How does one go about this? Can the tractor be insured on an auto policy?? Many thanks…

Listed Operators2

Listed Operators2 QUESTION Hey Kathy hope your weekend is going well. I have a friend that I was going to quote on his auto insurance but he has an unrelated high school student staying in his house until the end of June. The student has a policy of his own. Do I still have to…

Dealer Document Prep. Fees

Dealer Document Prep. Fees QUESTION This question was answered based upon current rules, regulations & statutes in effect on April 3, 2017

Delivery of Food to Schools

Delivery of Food to Schools QUESTION This question was answered based upon current rules, regulations & statutes in effect on April 3, 2017

Must a Licensed Producer be on Premises at all Times

Must a Licensed Producer be on Premises at all Times QUESTION Does a licensed insurance agent need to be on site for all hours that an agency is open? There somewhere where I could find the legal requirements for the agency? are questioning this as we have a difference of opinion on the matter and…

Charges on Ceded Auto

Charges on Ceded Auto QUESTION Do commercial ceded auto carriers set their own installment charges for direct bill accounts? Recently noticed carrier charges 1.25% of the balance as the installment charge instead of a fixed monthly charge. all ceded carriers do this? do not have too much ceded business especially with high premiums so guess…

Livery Garaging

Livery Garaging QUESTION What is the rule for Livery auto policies when it comes to garaging. Recently my companies are charging the clients if they drive in Boston or any City to and from Airport the company is using agaraging territory of Boston or the highest rated city.Insureds are becoming very frustrated with this the…

Cancel and Re-Issue Low Number Plate

Cancel and Re-Issue Low Number Plate QUESTION This question was answered based upon current rules, regulations & statutes in effect on March 27, 2017

Rate Increase due to Age – Is that legal

Rate Increase due to Age – Is that legal QUESTION  

PUP and Using Company Auto

PUP and Using Company Auto QUESTION If a client has both a personal auto on a MAP and a company car insured under his employer’s BAP, would he need the Drive Other Car endorsement on the BAP or Use of Other Autos endorsement on the MAP in order to satisfy personal umbrella requirements when he…

PIP Claim

PIP Claim QUESTION Hi, so there is a husband & wife with 2 separate policies and 2 separate companies. BOB is driving WIFE MARY’S car who is insured through MetLife & backs up running over STEP SON’s foot. Would MARY’S PIP react with her MetLife policy or would BOB’s own policy with ARBELLA react? And…

E-Signatures

E-Signatures QUESTION This question was answered based upon current rules, regulations & statutes in effect on March 28, 2017

Form 91 vs 2011

Form 91 vs 2011 QUESTION This question was answered based upon current rules, regulations & statutes in effect on August 8, 2017

EVR/DRIVE for Agents

EVR/DRIVE for Agents QUESTION This question was answered based upon current rules, regulations & statutes in effect on March 29, 2017

Dump Truck and Up-to-Date Registration

Dump Truck and Up-to-Date Registration QUESTION This question was answered based upon current rules, regulations & statutes in effect on March 20, 2017

Rideshare

Rideshare QUESTION This question was answered based upon current rules, regulations & statutes in effect on March 21, 2017 I usually email Donna McKenna my personal lines questions, so I hope you don’t mind if I have questions for you. If you are not the one to answer this question, please let me know who…

Out of State Corporation for Registration

Out of State Corporation for Registration QUESTION Quick question…if a company corporation is registered in Delaware but operates in MA, will we be able to register a vehicle in MA?

PIP in a Rental Vehicle

PIP in a Rental Vehicle QUESTION I received a call from an agent with a PIP question. Client rented a car on vacation Rental involved in an accident with injury to client (who was not at fault) Safeco is saying that they will not pay out on PIP because the client was not in their…

E-Title for Re-registration Purposes

E-Title for Re-registration Purposes QUESTION This question was answered based upon current rules, regulations & statutes in effect on March 9, 2017

Out-of-State Record for Merit Rating

Out-of-State Record for Merit Rating QUESTION I attended your RMV training class last week (thank you), and during class I something to you I didn’t understand, and wonder if you could help me with it…. A coworker of mine moved from NH to MA in 2015. She has no incidents in NH. She is showing…

Non-Owned & Hired Auto

Non-Owned & Hired Auto QUESTION Hi, pool non owned and hired auto policies cover independent contractors if hired to do delivery (food) for the insured? The independent contractor has a personal auto policy. Thank you.

Waiver of Deductible (a)

Waiver of Deductible (a) QUESTION This question was answered based upon current rules, regulations & statutes in effect on March 13, 2017 My insured was sideswiped by identified O.P. in traffic. Co withheld deductible even though she has the waiver. We were advised that in the absence of corroborating evidence, the best we could hope…

Substitute Transportation 2

Substitute Transportation 2 QUESTION My friend borrows my vehicle (with permission). Is involved in an accident (friend is not at fault) in my car. I don’t carry rental but the friend (driver) does. Can the friend go back to their own policy and rent a car and then either allows me to drive it (or…