Loss of Use on a Rental
Loss of Use on a Rental QUESTION This question was answered based upon current rules, regulations & statutes in effect on January 07, 2019 Question is does loss of use on rental vehicles covered? Basically this is you rent a car and involved in accident and the rental had to be taken out of commission…
Truck-Tractor Cost New
Truck-Tractor Cost New QUESTION This question was answered based upon current rules, regulations & statutes in effect on January 07, 2019 When we add a large truck-tractor to a commercial auto policy should the federal excise tax amount be included in the cost new of the vehicle? this tax can be thousands of dollars. Thank…
Auto Classification Change
Auto Classification Change QUESTION This question was answered based upon current rules, regulations & statutes in effect on January 09, 2019 Do insurance companies have the right NOT to amend a classification mid term? One of our insured’s was first licensed in Dec 2015 and their policy renewed Nov 2018, when we followed up with…
Mobile Equipment – Physical Damage
Mobile Equipment – Physical Damage QUESTION This question was answered based upon current rules, regulations & statutes in effect on January 10, 2019 Is it better to put the physical damage for a registered piece of mobile equipment on an inland marine or an auto policy?
Pizza Delivery
Pizza Delivery QUESTION This question was answered based upon current rules, regulations & statutes in effect on January 10, 2019 I was talking to Kathy this afternoon looking for help on the above. We have a personal lines client that has a private passenger vehicle with a private passenger plate registered in the personal name. …
MADOT Requirements for a Caterer
MADOT Requirements for a Caterer QUESTION This question was answered based upon current rules, regulations & statutes in effect on January 15, 2019 We have a customer who owns a restaurant in Massachusetts and also does catering for functions at different locations. They received notice that they may need to apply for a DOT #…
Trailer Rental
Trailer Rental QUESTION This question was answered based upon current rules, regulations & statutes in effect on January 15, 2019 We have a client who had their trailer hit by another vehicle — he uses this trailer in his business to carry tools and materials to job sites — it will be in the shop…
Out-of-State Title
Out-of-State Title QUESTION This question was answered based upon current rules, regulations & statutes in effect on January 16, 2019 I have a quick question for you regarding registering a vehicle from out of state. We have a client who is moving here from Maine who has a Maine title for her vehicle but it…
MAIP Cancellation
MAIP Cancellation QUESTION This question was answered based upon current rules, regulations & statutes in effect on January 16, 2019 I recently issued an Auto policy via MAIP for an insured with a revoked license. I’ve since received a cancellation notice from the carrier that they are cancelling coverage due to named insured having a…
Waiver on BAP
Waiver on BAP QUESTION This question was answered based upon current rules, regulations & statutes in effect on January 17, 2019 I have a contractor that needs waiver of insurance for his commercial auto policy. The ceded carrier does not offer this endorsement. Only on the voluntary side under the policy enhancrments. What do I…
Rental Car Claim
Rental Car Claim QUESTION This question was answered based upon current rules, regulations & statutes in effect on January 22, 2019 I have a client who was involved in a claim with a Hertz rental vehicle. The driver of the hertz was not the renter or listed as a driver. my insd car was totaled…
Cancelling Plate after Total Loss
Cancelling Plate after Total Loss QUESTION This question was answered based upon current rules, regulations & statutes in effect on January 17, 2019 I have an insured whose vehicle was a total loss, and she has been in a rental vehicle. Plates were taken with the car and are still at salvage yard in NY.…
Listing Licensed HHMs
Listing Licensed HHMs QUESTION This question was answered based upon current rules, regulations & statutes in effect on November 28, 2018 There is a discussion going on in our office whether it is a state law or just an insurance company requirement to have all licensed household members listed on each other’s policy. I believe…
No Fault UM/UIM
No Fault UM/UIM QUESTION This question was answered based upon current rules, regulations & statutes in effect on November 30, 2018 If I am in a ‘no fault’ state driving a vehicle insured by a family member, and I am injured in an accident will my uninsured/underinsured respond, if they either have no coverage or…
Policy Effective Date
Policy Effective Date QUESTION This question was answered based upon current rules, regulations & statutes in effect on November 30, 2018 I was told to contact you with this insurance question. We have a new client who came to us to insure a Jeep. He had the Jeep insured with GEICO. It had not been…
DOC on a BAP
DOC on a BAP QUESTION This question was answered based upon current rules, regulations & statutes in effect on December 03, 2018 Seeking clarification on Drive Other Car Coverage on the Business Auto policy. Two different situations: 1. If adding DOC to a business policy, can he be deferred on his wife’s personal policy? Or…
Notice of Non-Renewal MAP
Notice of Non-Renewal MAP QUESTION This question was answered based upon current rules, regulations & statutes in effect on December 05, 2018 We have a renewal policy in for a client for 01/23/19 and the client has 10 points and may file another claim. What is the time element the company can issue a non…
MA USDOT
MA USDOT QUESTION This question was answered based upon current rules, regulations & statutes in effect on December 05, 2018 Hope all is well. Please see below link about some commercial vehicles now needing a DOT number. Have you heard about this? Can you shed any light on it? https://www.mass.gov/regulatory-bulletin/new-usdot-number-requirement-for-intrastate-cmvs