Adding A New Driver
Question Adding A New Driver This question was answered based upon current rules, regulations & statutes in effect on September 15, 2021 I am reaching out with hopefully an easy question; though there is nothing cut and dry easy in insurance is there?!?! What is the timeframe to add a new driver to an auto policy?…
OEM vs Aftermarket
Question OEM vs Aftermarket This question was answered based upon current rules, regulations & statutes in effect on September 22, 2021 Not sure if you would know this answer but lately, we have been having a lot of customers questioning why they are getting after markets windshields instead of an OEM windshield when getting a windshield…
MA Registration for OOS Resident
Question MA Registration for OOS Resident This question was answered based upon current rules, regulations & statutes in effect on September 22, 2021 How would you advise a client who has their car registered in MA but currently living out of state with the specific intent returning early next year? The insured does not want to…
Deferred Operator
Question Deferred Operator This question was answered based upon current rules, regulations & statutes in effect on September 23, 2021 I need your assistance if I may. I have a client who is separated from his wife. He is insured with me under a Progressive policy. His ex-wife is with Liberty Mutual. They have a son…
Personal Lines or Commercial Lines and Coverage
Question Personal Lines or Commercial Lines Policy and Coverage This question was answered based upon current rules, regulations & statutes in effect on August 26, 2021 We have a potential insured who currently is a landscaper. He has a truck and three trailers on a personal auto policy with physical damage coverage and the truck is…
OOS Vehicle Purchase
Question OOS Vehicle Purchase – 08/23/21 Personal This question was answered based upon current rules, regulations & statutes in effect on August 4, 2021 Kathy Cormier response in red: This is a two-fold question. We have customer in PA purchasing a new vehicle, she asks for coverage to be added as she is having it hauled…
Lease Buy Out
Question Lease Buy Out This question was answered based upon current rules, regulations & statutes in effect on August 4, 2021 I hope this email finds you well and your enjoying summer! I’m running into a situation with a lease buy out. I’ve heard that there are 2 types of leases buy outs one a stamped…
Non-Listed HHMs and Claim
Question Non Listed HHMs and Claim This question was answered based upon current rules, regulations & statutes in effect on August 10, 2021 Hope your having a great day. We have a client whose son borrowed his vehicle for the one time because his vehicle broke down. He had a minor fender bender while driving his parent’s…
Removing Operator
Question Removing Operator This question was answered based upon current rules, regulations & statutes in effect on August 10, 2021 My daughter has an insurance policy with Geico (don’t even get me started on that one), and a couple of months ago, added her father on as the primary driver, as he was going to just…
Application Not Signed and Coverage
Question Application Not Signed and Coverage This question was answered based upon current rules, regulations & statutes in effect on August 9, 2021 I hope this message finds you well. What should I do in this situation? The client paid in full for the GL policy via check payable to the agency. The agency deposited the…
Interpreter Needed
Question Interpreter Needed This question was answered based upon current rules, regulations & statutes in effect on August 9, 2021 We seem to have more and more auto leads coming in from “out of town” (Boston). I understand we are not allowed to decline the business solely based on the territory. Some of these people do…
3rd Party Rental 2
Question 3rd. Party Rental This question was answered based upon current rules, regulations & statutes in effect on July 16, 2021 Simon Smith was in an accident and he was rear-ended by another vehicle. That person has progressive and Progressive is stating they don’t pay for 3rd party rentals, even though our insured is NOT at fault.…
Liability Non Listed Operators
Question Liability Non Listed Operators This question was answered based upon current rules, regulations & statutes in effect on July 16, 2021 If there is a policy with Progressive in place and all drivers in HH are not listed but have insurance with another company (Commerce), and a non listed driver has a minor fender bender…
Livery Plate or Commercial Plate
Question Livery Plate or Commercial Plate This question was answered based upon current rules, regulations & statutes in effect on July 16, 2021 We have a new customer whose policy becomes effective on 07.28, but he has a Livery plate that needs to be changed to a Commercial plate before the underwriter will sign off on…
Motorcycle Coverage on MAP
Question Motorcycle Coverage on MAP This question was answered based upon current rules, regulations & statutes in effect on July 21, 2021 I have question regarding coverage for under a Mass Auto policy. I have an insured who has a Mass auto policy covering one private passenger auto. She is looking at possibly purchasing a motorcycle…
Claim Question Uncooperative Driver
Question Claim Question – Uncooperative Driver This question was answered based upon current rules, regulations & statutes in effect on July 21, 2021 I have an automobile claims question. I have a client that owns a commercial building surrounded by a chain link fence. Two months ago a vehicle took a wrong turn going up a one way street…
Motorcycle Accident no Contact
Question Motorcycle Accident no Contact This question was answered based upon current rules, regulations & statutes in effect on July 27, 2021 I had a customer get into an accident this afternoon on his motorcycle. Someone pulled out in front of him but he was able to dump the bike without hitting the vehicle. The lady…
Glass Coverage for Dealer Vehicles
Question Glass Coverage for Dealer Vehicles This question was answered based upon current rules, regulations & statutes in effect on July 29, 2021 I have an account, 5 dealer plates, no vehicles with Dealers Physical damage coverage. The dealer called and advised that one of his vehicles had a cracked or broken windshield and was asking…
Garaging Commercial Vehicles
Question Garaging – Business Vehicles This question was answered based upon current rules, regulations & statutes in effect on July 29, 2021 We are having a problem with one carrier regarding garaging on vehicles registered to a business entity. They won’t change garaging on the business auto policy unless the insured changes it in the RMV…
Garaging Business Vehicles
Question Garaging – Business Vehicles This question was answered based upon current rules, regulations & statutes in effect on July 29, 2021 We are having a problem with one carrier regarding garaging on vehicles registered to a business entity. They won’t change garaging on the business auto policy unless the insured changes it in the RMV…
OOS Purchase – Camper and Coverage
Question OOS Purchase – Camper and Coverage This question was answered based upon current rules, regulations & statutes in effect on July 22, 2021 Late breaking client no notice purchase! We have a client getting a $75K camper van in Ohio and driving it back on a dealer plate. Will be for personal use. If we…
Solar Panels
Question Solar Panels This question was answered based upon current rules, regulations & statutes in effect on July 23, 2021 We’re receiving more and more calls on solar panels and have a question. We’ve been advised by at least one carrier that if the solar panels are owned by the insured the HO3 perils apply and…
Blank Checks 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…
Travel Trailer Purchase/Used in Florida
Question Travel Trailer Purchased in Florida 07/21/21 This question was answered based upon current rules, regulations & statutes in effect on June 29, 2021 We have a client purchasing a travel trailer in Florida. He is going to title it in Massachusetts where he lives. The dealer is going to deliver the travel trailer to a…
Is a DOC Needed?
Question Is a DOC needed? 07/20/21 Personal This question was answered based upon current rules, regulations & statutes in effect on June 30, 2021 If a customer has a commercial auto policy where their vehicle is registered in the company name but also has a personal policy where another vehicle is registered in their own name,…
Trailer with Kubota Digger
Question Trailer with Kubota Digger This question was answered based upon current rules, regulations & statutes in effect on June 30, 2021 Insured wants to pull a Kubota digger (owned in a company name) on a trailer in a personal name. He said he will use the kubota for personal things like digging and leveling dirt…
DOC or Use of Other Auto
Question DOC or Use of Other Auto This question was answered based upon current rules, regulations & statutes in effect on June 30, 2021 We have a Massachusetts insured who does not currently own a personal auto. The only vehicle owned by this household is owned & registered under a corporation. This vehicle is insured on…
Accident in Commercial Vehicle and SDIP
Question Accident in Company Vehicle and SDIP This question was answered based upon current rules, regulations & statutes in effect on June 30, 2021 Sorry to bother you but one of my insureds had asked if their employee had an accident in a company vehicle, would their personal insurance be surcharged? She didn’t give me much…
WC and Volunteers
Question WC and Volunteers 07/14/21 – Commercial This question was answered based upon current rules, regulations & statutes in effect on July 7, 2021 I was always of the mindset that volunteers were provided coverage under the employers’ liability section of the policy only. I have read there may be an exception for high school students…
What Policy Pays – Owner or Driver
Question What Policy Pays – Owner or Driver? This question was answered based upon current rules, regulations & statutes in effect on June 18, 2021 If a person driving another person’s vehicle (with their own insurance), has a fender bender, is it the driver’s insurance that the claim would be filed or the vehicle insurance? …
Garaging for Commercial Vehicles
Question Garaging for Commercial Vehicles This question was answered based upon current rules, regulations & statutes in effecton June 10, 2021 I wanted to see if you or someone in your office knows the answer to this. We have a client who has his commercial vehicles garaged in Bellingham in the registry. His mailing address…
MAP and Listed Home Health Aids
Question MAP and Listed Home Health Aids This question was answered based upon current rules, regulations & statutes in effect on June 10, 2021 Please clarify, we have an insured that has aids which are listed drivers under the automobile policy. They are full time and or part time employees of the named insured and there…
Cannabis Couriers and Operators
Question Cannabis Couriers and Operators This question was answered based upon current rules, regulations & statutes in effect on May 14, 2021 Hope this email finds you well. Regarding insurance how are Cannabis Couriers and operators treated? Are couriers TCN’s? Are Couriers and Operators considered commercial? Do you need commercial plates or livery plates? What insurance…
Damage to a Loaner Vehicle
Question Damage to a Loaner Vehicle This question was answered based upon current rules, regulations & statutes in effect on May 14, 2021 We have a client who took his 07 Infiniti to a dealer to be worked on. The dealership gave him a “loaner” vehicle to use in place of the 07 Infiniti. Insured got…
Out-of-State Vehicle Purchase (3)
Question Out of State Vehicle Purchase This question was answered based upon current rules, regulations & statutes in effect on May 14, 2021 Good Morning Irene, I have an insured who just purchased a vehicle in GA and wants to drive it back to MA. The dealer there gave him all the paperwork and temporary plates. …
Maine Registered Trailers (2)
Question Maine Registered Trailers This question was answered based upon current rules, regulations & statutes in effect on May 15, 2021 I have an insured who has a boat trailer and plans to register the trailer in Maine with Maine recreational trailer plates. The insured plans to pull the trailer with his Truck that is registered…
Operator Exclusion (4)
Question Operator Exclusion This question was answered based upon current rules, regulations & statutes in effect on May 19, 2021 Could you please confirm If the company pulls up a household member and there is no license so you need to exclude them does that exclude them only as a driver or does it exclude them…
Umbrella (3)
Question Umbrella This question was answered based upon current rules, regulations & statutes in effect on May 19, 2021 Insured doesn’t have a personal auto. They only have a commercial auto. If they have DOC on the commercial auto, will the personal umbrella respond to a claim? Answer Irene Morrill: That is a question that you have…
Diminished Value (2)
Question Diminished Value This question was answered based upon current rules, regulations & statutes in effect on May 21, 2021 Does the insurance carrier have to pay diminished value on a vehicle especially if it is a leased vehicle and they are telling the insured they are responsible for that amount when vehicle is turned in?…
Commercial Auto Cancellation
Question Commercial Auto Cancellations This question was answered based upon current rules, regulations & statutes in effect on May 26, 2021 Everyone in our office believed that you could cancel an auto policy (personal or commercial) within the first 30 days and it would be prorated. We did cancel a client’s Commercial auto policy within the…