What is the Correct Plate Type
What is the Correct Plate Type QUESTION This question was answered based upon current rules, regulations & statutes in effect on May 09, 2019 If someone uses a vehicle in their business and they put signs on the vehicle do they need to get commercial plates? I currently have it listed as class 30 on…
Accident Forgiveness
Accident Forgiveness QUESTION This question was answered based upon current rules, regulations & statutes in effect on May 10, 2019 Accident Forgiveness…how do we know now the carrier filed with the Division of Insurance? This may sound stupid on my part but if I have a customer who has the accident forgiveness on their auto…
Motorcycle Question
Motorcycle Question QUESTION This question was answered based upon current rules, regulations & statutes in effect on May 02, 2019 Do you know of any verbiage for Mapfre/Commerce -where I can find that there is no Annual Mileage credit on motorcycles ?
SDIP Question
SDIP Question QUESTION This question was answered based upon current rules, regulations & statutes in effect on May 03, 2019 I was curious if you could answer a question for me. We have a policyholder whose current policy has a 3 point surcharge on it and would be a points 98 at renewal come 03/2020. …
Commercial Lettering on Passenger Vehicle
Commercial Lettering on Passenger Vehicle QUESTION This question was answered based upon current rules, regulations & statutes in effect on May 03, 2019 Good afternoon Irene, Hope you are well. I was hoping you might be able to help me understand eligibility for a MAP if a vehicle has commercial lettering on it but not…
Binder Language for Auto
Binder Language for Auto QUESTION This question was answered based upon current rules, regulations & statutes in effect on May 03, 2019 I am told you are a wiz in the industry and would likely provide the best answer to my question. When stamping an RMV-1 for a dealership and providing a binder, should there…
Appeal of Surcharge Points
Appeal of Surcharge Points QUESTION This question was answered based upon current rules, regulations & statutes in effect on May 07, 2019 We have an insured who was surcharged for an accident and at the time liability was determined I questioned it as I thought 50/50 was appropriate for this situation but the adjuster did…
Claims Question on Body Shops
Claims Question on Body Shops QUESTION This question was answered based upon current rules, regulations & statutes in effect on May 08, 2019 I have an insured who has gone third party for his physical damage claim and the carrier will not accept a direction to pay from the body shop because they are not…
Rental of a U-Haul
Rental of a U-Haul QUESTION This question was answered based upon current rules, regulations & statutes in effect on May 09, 2019 Is there a tech talk regarding rental of U-Hauls under a MA auto policy
Registration for 26,000 lb Truck and Permits
Registration for 26,000 lb Truck and Permits QUESTION This question was answered based upon current rules, regulations & statutes in effect on May 13, 2019 If we have a vehicle with a GVW of 26,000 lbs. and travels in more that one state can we register Commercial without having to get trip permits when it…
Summer/Winter Swap
Summer/Winter Swap QUESTION This question was answered based upon current rules, regulations & statutes in effect on May 13, 2019 Not sure if you can help me or someone else ? I tried finding this in the Registry but couldn’t find out the answer on What situations would you use the Summer/Winter swap box on…
Principal Place of Business Form
Principal Place of Business Form QUESTION This question was answered based upon current rules, regulations & statutes in effect on March 28, 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.…
Garage Risk
Garage Risk QUESTION This question was answered based upon current rules, regulations & statutes in effect on April 08, 2019 I have a client that has a DLN plate but most of his revenue is derived from repairs. Since he works on heavy and x-tra heavy trucks, it would go to CAR. Does the %…
Commercial Policy and Trailers
Commercial Policy and Trailers QUESTION This question was answered based upon current rules, regulations & statutes in effect on April 11, 2019 Does a BAP automatically extend liability coverage to a trailer(14,000 GVW), not listed on the policy, that is owned by the same person? I was always told that commercial policies need to have…
Additional Insured vs. Named Insured
Additional Insured vs. Named Insured QUESTION This question was answered based upon current rules, regulations & statutes in effect on April 11, 2019 Should a person that is listed on a deed but doesn’t reside in the residence be listed as a named insured or additional insured?
Company Refusal to Add Driver – Can they do this
Company Refusal to Add Driver – Can they do this QUESTION This question was answered based upon current rules, regulations & statutes in effect on April 11, 2019 We have a client who recently bought an additional car. Their son had an injury and is disabled. The additional car was bought for their son’s friend…
Diminished Value
Diminished Value QUESTION This question was answered based upon current rules, regulations & statutes in effect on April 12, 2019 I have a client who is filing a diminished value claim against a carrier. The claim rep for the carrier stated the Massachusetts has stopped diminished value claims against insurance carriers effective 12/2017. Please advise…
Commercial Truck and Personal Trailer
Commercial Truck and Personal Trailer QUESTION This question was answered based upon current rules, regulations & statutes in effect on April 18, 2019 Our client has a business auto policy in his and his wife’s name and DBA which covers a truck registered in his name using the business tax id #. He is not…