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…
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…
Personal Auto Coverage
Question Auto Coverage – 02/24/22 Personal This question was answered based upon current rules, regulations & statutes in effect 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…
Register a Homemade Trailer
Question Register a Homemade Trailer: This question was answered based upon current rules, regulations & statutes in effect on December, 2020: My client would like to get a plate on his homemade trailer. If it is under 3000 no vin number is required? Also, will he need receipts? Thank You for your help… Answer Kathy Cormier: The need…
Reducing Number of Seats in 15 Passenger Van
Question Reducing Number of Seats in 15 Passenger Van: This question was answered based upon current rules, regulations & statutes in effect on December, 2020: Regarding Business Auto. An insured purchased a 15 passenger van and is removing 2 rows permanently, thus allowing for 9 passengers. Can they report to the RMV that it is under…
Senior Driving Test?
Question Senior Driving Test? This question was answered based upon current rules, regulations & statutes in effect on January, 2021: I am inquiring about driving exams for the elderly. We have an insured who is 91 that was in an accident and is experiencing blurry vision. I just received a phone call from her and her…
Merit Rating for Out of Country Driver
Question Merit Rating for Out of Country Driver? This question was answered based upon current rules, regulations & statutes in effect on October 20, 2021: We have a young man who has a Colombian License from June of 2015. Any idea how to have the RMV give him some driving credit? I have all his documents. His…
Plate Replacement
Question Plate Replacement: This question was answered based upon current rules, regulations & statutes in effect on October 18, 2021: If a customer needs to get a red plate to replace a green plate. Is there a fee? And what is the process? If our runner goes, do we just need a RTA and her old…
License Status
Question License Status: This question was answered based upon current rules, regulations & statutes in effect on October 22, 2021: When I look in the registry, the license under the current screen shows active, but it is Orange in color, when I go to the history screen the last transaction says suspended. So, I assume this…
Glass Coverage Collision or Comprehensive
Question Glass loss – Collision or Comprehensive: This question was answered based upon current rules, regulations & statutes in effect on November 12, 2021: I hope you can clarify glass coverage for me on an auto policy. This is pertaining to a personal auto. I have an insured who backed their van into a mail box…
Snow Plowing and Snow Removal
Question Snow Plowing and Snow Removal This question was answered based upon current rules, regulations & statutes in effect on November 8, 2021: We are having a tough time trying to secure snow plow GL for potential client. He plows a parking lot and a few other accounts. He has contracts for all of them.…
Hired and Non Owned Auto
Question Hired & Non-Owned Auto This question was answered based upon current rules, regulations & statutes in effect on October 26, 2021: Does the state listed for Symbols 8 & 9 have any bearing on coverage? I have an insured with a location in MA and a location in NY. Should both states be listed for…
Limits on Claiming 3rd party rental
Question Limits on Claiming 3rd party rental This question was answered based upon current rules, regulations & statutes in effect on October 21, 2021: I received an interesting email from a carrier about delays in claim repairs due to the lack of parts and overworked mechanics because of Covid, which could mean people may not be able to…
Rental Vehicle Coverage
Question Rental Vehicle Coverage This question was answered based upon current rules, regulations & statutes in effect on October 27, 2021: I was wondering where I would find the wording in regards to rental coverage when renting a vehicle. Does it say that you should buy the extra insurance coverage as it wouldn’t be covered…
Named non-owned policy in foreign country
Question Named non-owned policy in foreign country This question was answered based upon current rules, regulations & statutes in effect on October 26, 2021: Is there a policy available that can be purchased for a MA resident in Lithuania for a temporary stay ? if not, what is the solution to the problem when he…
Can a Bobcat be Registered
Question Can a Bobcat be Registered? This question was answered based upon current rules, regulations & statutes in effect on October 20, 2021: Can a Bobcat (very small four-wheel front loader that cleans the sidewalks of snow) be registered? Please advise! Thanks! Answer Kathy Cormier: Here is what I received from the RMV on Bobcats: In…
Commercial Use Trailers
Question Commercial Use Trailers This question was answered based upon current rules, regulations & statutes in effect on October 19, 2021: I’m hoping you can enlighten me when it comes to trailer registrations and insurance. I know I can stamp an RTA on a trailer that’s covered under the liability portion owner’s primary auto policy…
Commercial Vanity Plates
Commercial Vanity Plates This question was answered based upon current rules, regulations & statutes in effect on October 18, 2021: I have a commercial client that is looking to order vanity plates for his fleet of vehicles. Is there not a commercial portal like there is a Personal where you can order the plates? Answer Kathy…