Motorhome Owned by a Business
*This question was answered based on current rules, regulations & statutes in effect as of June 2023. Question I received a voicemail from a member. She had a business customer who purchased a $600K RV in the name of the business. The owner of the business plans on “Living” in the RV. The commercial carrier…
Policy for Auto and MC
*This question was answered based on current rules, regulations & statutes in effect as of May 2023. Question Has there been any article from MAIA about having an automobile and a motorcycle on the same policy and whether that is the wrong thing to do? Some carriers will allow them to be on the same…
Adding a Newly Licensed Driver to MAP
*This question was answered based on current rules, regulations & statutes in effect as of May 2023. Question Is there a new law regarding when a Newly Licensed/Permitted driver must be added to an auto policy? We have an insurance company that automatically added a driver with a permit to the policy without our request,…
Suspension of Coverage on Salvage Vehicles
*This question was answered based on current rules, regulations & statutes in effect as of May 2023. Question I have an insured whose vehicle was totaled in an accident. It was totaled only because of dollars and cents. Nothing structural. So the insured negotiated to keep the vehicle. After the payout, the carrier suspended physical…
Food Concession Trailer
*This question was answered based on current rules, regulations & statutes in effect as of May 2023. Question I have a prospect that owns a food trailer and is looking for GL and WC – The vehicle that will be pulling the trailer is registered to a different business entity with separate insurance. They haven’t…
Progressive / Geico
*This question was answered based on current rules, regulations & statutes in effect as of January 2023. Question Quick question. We offer Progressive at our agency. Something that both Progressive and Geico offer that all of our other carriers don’t is they allow you to write all the cars from a household on one policy.…
Adding Additional Insurance to HO Policy
*This question was answered based on current rules, regulations & statutes in effect as of August 2022. Question I have an insured that is going to install a generator for their house in Scituate, and the only place to put it is next to their neighbor’s generator on their neighbor’s property. The neighbors are okay…
Business Auto and DOC
*This question was answered based on current rules, regulations & statutes in effect as of January 2023. Question Does a business auto policy have to have doc coverage if employees driving company vehicles are also listed as drivers on their spouse’s personal auto policies? Answer Irene Morrill: A DOC is an optional endorsement that a…
Renting a Vehicle Out of Country
*This question was answered based on current rules, regulations & statutes in effect in December 2022. Question I have a customer going on vacation outside of the U.S. and Canada. He wants to know if his auto coverage is extended from his Mass. Policy, I believe it is not. I want to tell him to…
Commercial Policy and Personal Trailer
*This question was answered based on current rules, regulations & statutes in effect in December 2022. Question I have an insured with a Mass Commercial auto policy in a corporation name. The insured also owns a camping trailer in his personal name. Will the Commercial auto pick up the liability of the camper when pulled…
Individual Transports Vehicle to Florida and Coverage
*This question was answered based on current rules, regulations & statutes in effect in December 2022. Question We have an insured that will be driving other people’s autos to Florida for a fee, trying to figure out if he needs some kind of insurance. He does not have a business name or EIN#. Answer Irene…
RMV Title Question
*This question was answered based on current rules, regulations & statutes in effect in November 2022. Question I have a Dr. who bought out his leased vehicle; the current lease is in his medical practice name. The leasing company “sold “the vehicle to the medical practice naming the practice on the bill of sale and…
PL or CL Policy and Coverage
*This question was answered based on current rules, regulations & statutes in effect in October 2022. Question We were asked by one of our carrier underwriters to add a vehicle on the date of purchase vs. the date that the vehicle was stamped unless it had gone beyond 8 days. I am trying to put…
Pain and Suffering Worker’s Comp
Question Workers Compensation: This question was answered based upon current rules, regulations & statutes in effect May, 2022: We need clarification on whether or not “pain and suffering” is afforded under a work comp policy here in MA. Can you advise? Answer Irene Morrill: The ACORD certificate states: Part I benefits are state mandated …lost wages, medical,…
Charging Fees
Question Charging Fees: This question was answered based upon current rules, regulations & statutes in effect on July, 2022: Good afternoon. I am considering charging fees for: Registry services Making payments on behalf of the insured and passing on consultation fees that I incur for resolving a problem with the FMCSA Answer Kathy Cormier: I believe…
Principle Place of Business
Question Principle Place of Business: This question was answered based upon current rules, regulations & statutes in effect on January, 2021: I have a question on a Maine registered vehicle. I have a commercial insured (Massachusetts business) that has reregistered one of his commercial trucks in Maine that was previously registered in Massachusetts. My Massachusetts auto carrier…
Adding and Removing Vehicles
Question Adding/Removing Vehicle This question was answered based upon current rules, regulations & statutes in effect on December 6, 2021: Agent: Quick question – this is the first time in almost a decade I ran into this situation so I’m trying to figure this out. We have a composite rated policy with Symbol 1 – at renewal…
Commercial Auto with Out of State Garaging
Question Commercial Auto with Out of State Garaging: This question was answered based upon current rules, regulations & statutes in effect August, 2022: I feel like I know the answer to this but hoping to confirm with you. We have a client in commercial lines that has a commercial auto policy and purchasing a new vehicle…