Rental Vehicle
Question Rental Vehicle: This question was answered based upon current rules, regulations & statutes in effect on July, 2022: My insured is going to rent a vehicle from dealer while his pickup is in for repair. It may take a while because they have to order parts. He is going to borrow his sister-in-law’s truck to…
Public or Livery
Question Public or Livery: This question was answered based upon current rules, regulations & statutes in effect on May, 2022: Question: I have a client who works as a therapeutic mentor and drives clients with special needs as part of her job function. She drives them to locations in the community for support for social skills…
Commercial Auto Ceded Carrier Quote
Question This question was answered based upon current rules, regulations & statutes in effect on June, 2022: Commercial Auto Ceded Carrier Quote: Good afternoon. I understand a ceded carrier needs to have signed & completed Acord forms and all the supplemental forms to bind a ceded quote. But do they need to be completed and…
Condo Associations and All-In Coverage
Question Condo Associations and All-In Coverage: This question was answered based upon current rules, regulations & statutes in effect on January, 2022: Is it true that now in MA all condo associations by law need to carry all-in coverage, they just don’t always include betterments and improvements? This is what I’m hearing now however I don’t…
Diminished Value
Question Diminished Value: This question was answered based upon current rules, regulations & statutes in effect on May, 2022: Question: We have a customer that recently had an accident in his new 2022 Honda Accord. He was not at fault and he’s looking to claim diminished value on the vehicle. His insurance company is telling him…
Hired/Non-Owned Auto Coverage
Question This question was answered based upon current rules, regulations & statutes in effect on June, 2022: Hired/Non-Owned Auto Coverage: Please clarify for us where an insured is covered under their Non Owned and Hired auto policy for BI or PD caused by a subcontractor? Answer Irene Morrill If the coverage is purchased through a BAP…
Insurance RCE-Finished Square Feet
Question Insurance RCE – Finished Square Feet – Factoring in Cathedral Ceilings? This question was answered based upon current rules, regulations & statutes in effect on May, 2022: We are running into a topic that seems very gray with different towns and assessors: Cathedral ceilings. We have notice on the town’s assessor’s database, some town…
Public or Livery
Question Public or Livery: This question was answered based upon current rules, regulations & statutes in effect on May, 2022: Question: I have a client who works as a therapeutic mentor and drives clients with special needs as part of her job function. She drives them to locations in the community for support for social skills…
Reimbursement of Hotel with Total Loss
Question Reimbursement of Hotel with Total Loss: This question was answered based upon current rules, regulations & statutes in effect on May, 2022: Question: Auto coverage question… our insured’s sons got into an accident in Ohio. The car was totaled. The police drop them at a hotel until the parents can pick them up. Is the…
Public or Livery
Question Public or Livery: This question was answered based upon current rules, regulations & statutes in effect on May, 2022: Question: I have a client who works as a therapeutic mentor and drives clients with special needs as part of her job function. She drives them to locations in the community for support for social skills…
Coverage for Pools
Question Coverage for Pools: This question was answered based upon current rules, regulations & statutes in effect on January 2022: Swimming pools…are ALL types Coverage B/detached structures? Again, this applies to inground AND above ground? Back when dinosaurs roamed the Earth and I began in insurance, I learned above ground pools were covered under contents and…
Antique Plate on Tractor
Question Antique Plate on Tractor: This question was answered based upon current rules, regulations & statutes in effect on December, 2020: I am trying to find information in the Registry Procedures manual about registering a Tractor Trailer/Semi-trailer for personal use. It’s a 1972 Peterbilt and is used personally and he is trying to register it…
Rated Operator
Question Rated Operator This question was answered based upon current rules, regulations & statutes in effect on March 8, 2021 Customer leases a vehicle in two names. One driver has a surrendered license doesn’t drive and the wife was the licensed operator and she passed away. What he is coming up against is that the…
Surchargeable Comp. Loss
This question was answered based upon current rules, regulations & statutes in effect on February 18, 2021 Good Afternoon! One of our insurance carriers recently “upgraded” their system. There have been many issues in the new system Today I was reviewing a client’s Glass claim. He has full glass, $0 deductible. In their system, it…
New Registry Check Policy Change
Question New Registry Check Policy Change This question was answered based upon current rules, regulations & statutes in effect on June 14, 2021 I’m not sure if you are the correct person to reach out to, but I saw your contact information online and thought you might be a great starting point. I’m trying to find…
Personal Auto Cancellation
Question Personal Auto Cancellation This question was answered based upon current rules, regulations & statutes in effect on March 5, 2021 I have an issue with a personal auto that I don’t think I can solve without opening myself up to an E&O. My CSR quoted a former customer who has 4 points. His son…
Surviving Spouse and Original Title
Question Surviving Spouse and Original Title This question was answered based upon current rules, regulations & statutes in effect on March 2, 2021 Can you please check with registry. Vehicle is registered in husbands name only he has passed away. There is still a loan on the car and bank says loan is in both…
HONK Technologies, Inc./Urgently, Inc.
HONK Technologies, Inc./Urgently, Inc., This question was answered based upon current rules, regulations & statutes in effect on June 29, 2021 We were just made aware yesterday that the above two companies are a TNC based application. You download an app and when your vehicle is disabled- you can request road side assistance. We have a…
Trailer C of O’s
Question Trailer C of O’s This question was answered based upon current rules, regulations & statutes in effect on October 28, 2021: We are having this problem the RMV keeping the original Certificates of Origin and not accepting copies. We are sending copies to the RMV but they are declining our paperwork saying they need…
Trailer Only in Personal Name and MAIP
This question was answered based upon current rules, regulations & statutes in effect on February 18, 2021 Is it possible to have a trailer only in a personal name on a MAIP policy? Answer Kathy Cormier: I believe with MAP you need to have an auto in order to have the trailer…Irene? Irene Morrill: The MAIP…
NH Driver on a MA Policy
Question NH Driver on MA Policy This question was answered based upon current rules, regulations & statutes in effect on July 29, 2021 I am hoping that you can assist me… I have an insured who is adamant that I am incorrect because he has “been insured this way for years.” He has a NH Driver’s…
Power of Attorney and Surviving Spouse Affidavit
Question Power of Attorney and Surviving Spouse Affidavit This question was answered based upon current rules, regulations & statutes in effect on July 23, 2021 Vehicle in Husband/Wife name. Wife passed Husband has dementia Daughter has POA for father Can daughter sign the surviving spouse affidavit with the POA to sell the vehicle? Answer Kathy Cormier: Yes,…
Service Vehicles
Question Service Vehicles This question was answered based upon current rules, regulations & statutes in effect on September 29, 2021 Have another question for you . . . I have someone telling me that Service Class only applies to Artisans – never heard of this? Answer Irene Morrill: So … per AIB/ISO/CAR commercial lines manual – in…
TNC Coverage
QUESTION This question was answered based upon current rules, regulations & statutes in effect on February 9, 2021 Our insured was working for Door Dash, unbeknownst to us, and had just made her last delivery of the evening. While backing out of the customer’s driveway to head home, she hit a parked car causing $2,498…
Home/Golf Cart
Question Home/Golf Cart This question was answered based upon current rules, regulations & statutes in effect on July 2, 2021 Hello, insured’s vehicle was hit while parked on golf course by a golf cart that rolled into IV. Doesn’t look like there would be coverage under golf cart owner’s homeowner’s policy – would the deductible be…
Cancellation Requirements
Question Cancellation Requirements: This question was answered based upon current rules, regulations & statutes in effect on January 2022: Quick question: How many days by MA law are required to be put on the Certificate of Insurance for notice of cancellation? I seem to recall/think that for non-payment of premium MA law says no more than…
Duplicate Permit
Question Duplicate Permit: This question was answered based upon current rules, regulations & statutes in effect on December, 2020: We have an insured that ordered a duplicate permit for his son months ago and still has not received it. Would appreciate any information that you can provide regarding the status from Mass DOT. Please let me know…
Glass Loss- Non-Admitted Carrier
Question Glass Loss- Non-Admitted Carrier – This question was answered based upon current rules, regulations & statutes in effect on December, 2020: I have a situation with Auto Dealer and a glass claim under there dealers physical damage comprehensive coverage. We wrote a stand-alone dealers physical damage policy with a carrier non admitted carrier out of Texas. Recently…
Policy Cancellation and HHM License Suspension
Question Policy Cancellation & HHM License Suspension: This question was answered based upon current rules, regulations & statutes in effect on December, 2020: We’re looking to find out if a carrier can cancel an auto policy immediately if a Junior Operator’s license is suspended Answer Kathy Cormier: The 2016 MAP has this language in the cancellation section and…
School Bus Conversion and Plate Type
Question School Bus Conversion and Plate Type This question was answered based upon current rules, regulations & statutes in effect on October 6, 2021: I have an insured that purchased a school bus. They intend to use it for personal use only. Am I able to obtain a private passenger plate for this? Auto home…
School Bus Conversion and Plate Type
Question School Bus Conversion and Plate Type This question was answered based upon current rules, regulations & statutes in effect on October, 2021: I have an insured that purchased a school bus. They intend to use it for personal use only. Am I able to obtain a private passenger plate for this? Auto home plate?…
Named Non Owner Policy:
Question Named Non Owner Policy: This question was answered based upon current rules, regulations & statutes in effect on October, 2021: I have a client that is living with her boyfriend. She does not own a vehicle but I recommended that she obtain a named non-owned policy for her- she is listed on his policy…
Vehicle Purchase and BAP
Question Vehicle Purchase and BAP This question was answered based upon current rules, regulations & statutes in effect on December 2, 2021: I have a commercial customer, with a commercial auto policy, 3 trucks have full coverage. He bought a new truck from a dealer in Maine. He wants to drive up and get it as soon…
Automobile Cancellation
Question Automobile Cancellation – This question was answered based upon current rules, regulations & statutes in effect on December, 2020: I have a question for you regarding Mass. auto insurance and registration plates. We have an unnamed carrier (obtained through a recent acquisition) that allows an insured to delete a vehicle from an auto policy without cancelling…
Operator Exclusion and UM, UIM coverage
Question Operator Exclusion and UM/UIM coverage This question was answered based upon current rules, regulations & statutes in effect on January, 2022. Question- could an insured’s child collect UM/UIM coverage if they are excluded as a driver on the parent’s auto? For example, if the child is a passenger in a friend’s vehicle while at school…
SDIP and Notice to Reinquire
Question SDIP and Notice to Reinquire This question was answered based upon current rules, regulations & statutes in effect on January, 2022. Question- … I have a client that was involved in an AFA on 12/16 and convicted on 12/22. Their renewal policy was released on 12/3, to be effective 12/31 and was paid in…
PL or CL Policy and/or Coverage
PL or CL Policy and/or Coverage This question was answered based upon current rules, regulations & statutes in effect on March 5, 2021 We have a Special Form CPP (CP 10 30 04-02) policy with Water exclusion Endorsement BP 01 59 (0808) The roof leaked during a rain storm causing interior damage to walls and…
PL or CL Policy and/or Coverage Question?
PL or CL Policy and/or Coverage Question? This question was answered based upon current rules, regulations & statutes in effect on January, 2022. Question I had a question on Ordinance or Law coverage. Specifically related to a DP3. When a client purchases an increased amount of ordinance or law, does that actually increase the dollar…
Blank Check with RMV
Question Blank Check with RMV This question was answered based upon current rules, regulations & statutes in effect on July 26, 2021 We wish to thank you for all your help with the registry. We do have a question on what the registry is currently doing. If an insured buys a vehicle from a non-dealer you…
Auto Coverage
This question was answered based upon current rules, regulations & statutes in effect June,2021 Question Why do premiums change when drivers are deleted and or added(deferred) to an auto policy. Usually increases when drivers are deleted. Can someone explain the factors that causes this to happen. We need to know how to explain this…