Non-Payment and Collection of Unearned Premium
Non-Payment and Collection of Unearned Premium QUESTION This question was answered based upon current rules, regulations & statutes in effect on July 24, 2019
Progressive 2As – again
Progressive 2As – again QUESTION This question was answered based upon current rules, regulations & statutes in effect on July 25, 2019
Sales Tax Penalties and Interest
Sales Tax Penalties and Interest QUESTION This question was answered based upon current rules, regulations & statutes in effect on March 28, 2019 I was hoping you could help on this One of our insured’s had purchased a 1956 Triumph in pieces back in 1982 which he has restored/re-built … the vehicle was untitled to…
New Auto Policy/Suspended License
New Auto Policy/Suspended License QUESTION This question was answered based upon current rules, regulations & statutes in effect on July 23, 2019 Quick Question: If someone has a suspended license can they register and insure a vehicle? I know that for insurance they would have to list a licensed driver but would the registry accept…
Cancellation of Auto Policy
Cancellation of Auto Policy QUESTION This question was answered based upon current rules, regulations & statutes in effect on July 23, 2019 We received a printed and signed narrative from an insured requesting the cancellation of his auto policy (see attached). Something in my fading memory bank makes me think that this could be an…
Garaging
Garaging QUESTION This question was answered based upon current rules, regulations & statutes in effect on July 19, 2019 I am looking to get information about garaging on Ma auto policy. Is it written anywhere in a MA auto policy that it is an insured’s responsibility to inform the carrier of a garaging change for…
Substitute Transportation
Substitute Transportation QUESTION This question was answered based upon current rules, regulations & statutes in effect on July 19, 2019 I need to have a question answered. On the MA auto policy, from all I have learned in 15 years as an agent, your coverage follows you. If an insured is driving another persons auto…
Moped
Moped QUESTION This question was answered based upon current rules, regulations & statutes in effect on July 19, 2019 I wanted to check into seeing if MAIP has the ability to insure a 49CC moped for a client that is looking to see if he can insure it. Thank you in advance for any guidance…
Slide on Camper
Slide on Camper QUESTION This question was answered based upon current rules, regulations & statutes in effect on June 24, 2019 So sorry to bother you! We have a customer with a “camper” that does not have any wheels, there was not a title issued to it & it is not self propelled: it slides…
Dog Claim
Dog Claim QUESTION This question was answered based upon current rules, regulations & statutes in effect on July 01, 2019 If a dog owned by an insured chews the seat belt, is this covered under the MA Auto Policy? Thank you!
Auto Rental
Auto Rental QUESTION This question was answered based upon current rules, regulations & statutes in effect on July 09, 2019 It’s that time of year again & “is a car I rent covered for physical damage & liability, the same as my vehicles listed on my policy” is being asked. While we always state, BUY…
Trailers and Business Use
Trailers and Business Use QUESTION This question was answered based upon current rules, regulations & statutes in effect on July 11, 2019 We have a strange question. We have someone who has a boat trailer. It is 4000 lbs. They tow it with their business vehicle. The business vehicle is the only vehicle they have…
Ignition Interlock Device (IID) and Insurance
Ignition Interlock Device (IID) and Insurance QUESTION This question was answered based upon current rules, regulations & statutes in effect on July 08, 2019 I have a question in regards to handling OUI drivers, the registry and auto insurance. My insured has suspended license. She will need a breathalyzer in her car per court. She…
Auto Ins. PAP vs. Comml
Auto Ins. PAP vs. Comml QUESTION This question was answered based upon current rules, regulations & statutes in effect on July 11, 2019 I recently (two months ago) wrote a new personal auto policy for an acquaintance who handed me the expiring declarations when he asked me to write his insurance. He is a 68…
Rental Coverage and Kids
Rental Coverage and Kids QUESTION This question was answered based upon current rules, regulations & statutes in effect on July 12, 2019 We have had this question several times recently and get different answers from different companies. So thought I’d ask you. Mom & Dad have mass auto w/ Collision & Comp, 250/500k liab etc. …
Auto Pollution Liability
Auto Pollution Liability QUESTION This question was answered based upon current rules, regulations & statutes in effect on July 15, 2019 I have a question regarding pollution liability. We just took over an auto policy for a client that is a portable bathroom rental company. I noticed that the current policy did not have any…
Donated Vehicle and Requirements for Use
Donated Vehicle and Requirements for Use QUESTION This question was answered based upon current rules, regulations & statutes in effect on May 10, 2019 Good Morning Irene, I have a unique situation, one of our nonprofits received a 2009 Ford F450 as a gift. The vehicle is presently being retrofitted at the vocational school (we have an inland…
Principal Place of Business
Principal Place of Business QUESTION This question was answered based upon current rules, regulations & statutes in effect on April 01, 2019 Regarding Principal Place of Business Certificate Form-I have a guy with a Ceded CL Auto Policy and his vehicle is registered to himself-he lives in Newburyport and his vehicle is garaged there. However,…