Commercial Auto Ceded Carrier Quote
Question This question was answered based upon current rules, regulations & statutes in effect on June, 2022: Commercial Auto Ceded Carrier Quote: Good afternoon. I understand a ceded carrier needs to have signed & completed Acord forms and all the supplemental forms to bind a ceded quote. But do they need to be completed and…
Condo Associations and All-In Coverage
Question Condo Associations and All-In Coverage: This question was answered based upon current rules, regulations & statutes in effect on January, 2022: Is it true that now in MA all condo associations by law need to carry all-in coverage, they just don’t always include betterments and improvements? This is what I’m hearing now however I don’t…
Diminished Value
Question Diminished Value: This question was answered based upon current rules, regulations & statutes in effect on May, 2022: Question: We have a customer that recently had an accident in his new 2022 Honda Accord. He was not at fault and he’s looking to claim diminished value on the vehicle. His insurance company is telling him…
Hired/Non-Owned Auto Coverage
Question This question was answered based upon current rules, regulations & statutes in effect on June, 2022: Hired/Non-Owned Auto Coverage: Please clarify for us where an insured is covered under their Non Owned and Hired auto policy for BI or PD caused by a subcontractor? Answer Irene Morrill If the coverage is purchased through a BAP…
Insurance RCE-Finished Square Feet
Question Insurance RCE – Finished Square Feet – Factoring in Cathedral Ceilings? This question was answered based upon current rules, regulations & statutes in effect on May, 2022: We are running into a topic that seems very gray with different towns and assessors: Cathedral ceilings. We have notice on the town’s assessor’s database, some town…
Public or Livery
Question Public or Livery: This question was answered based upon current rules, regulations & statutes in effect on May, 2022: Question: I have a client who works as a therapeutic mentor and drives clients with special needs as part of her job function. She drives them to locations in the community for support for social skills…
Reimbursement of Hotel with Total Loss
Question Reimbursement of Hotel with Total Loss: This question was answered based upon current rules, regulations & statutes in effect on May, 2022: Question: Auto coverage question… our insured’s sons got into an accident in Ohio. The car was totaled. The police drop them at a hotel until the parents can pick them up. Is the…
Public or Livery
Question Public or Livery: This question was answered based upon current rules, regulations & statutes in effect on May, 2022: Question: I have a client who works as a therapeutic mentor and drives clients with special needs as part of her job function. She drives them to locations in the community for support for social skills…
Coverage for Pools
Question Coverage for Pools: This question was answered based upon current rules, regulations & statutes in effect on January 2022: Swimming pools…are ALL types Coverage B/detached structures? Again, this applies to inground AND above ground? Back when dinosaurs roamed the Earth and I began in insurance, I learned above ground pools were covered under contents and…
Antique Plate on Tractor
Question Antique Plate on Tractor: This question was answered based upon current rules, regulations & statutes in effect on December, 2020: I am trying to find information in the Registry Procedures manual about registering a Tractor Trailer/Semi-trailer for personal use. It’s a 1972 Peterbilt and is used personally and he is trying to register it…
Rated Operator
Question Rated Operator This question was answered based upon current rules, regulations & statutes in effect on March 8, 2021 Customer leases a vehicle in two names. One driver has a surrendered license doesn’t drive and the wife was the licensed operator and she passed away. What he is coming up against is that the…
Surchargeable Comp. Loss
This question was answered based upon current rules, regulations & statutes in effect on February 18, 2021 Good Afternoon! One of our insurance carriers recently “upgraded” their system. There have been many issues in the new system Today I was reviewing a client’s Glass claim. He has full glass, $0 deductible. In their system, it…
New Registry Check Policy Change
Question New Registry Check Policy Change This question was answered based upon current rules, regulations & statutes in effect on June 14, 2021 I’m not sure if you are the correct person to reach out to, but I saw your contact information online and thought you might be a great starting point. I’m trying to find…
Personal Auto Cancellation
Question Personal Auto Cancellation This question was answered based upon current rules, regulations & statutes in effect on March 5, 2021 I have an issue with a personal auto that I don’t think I can solve without opening myself up to an E&O. My CSR quoted a former customer who has 4 points. His son…
Surviving Spouse and Original Title
Question Surviving Spouse and Original Title This question was answered based upon current rules, regulations & statutes in effect on March 2, 2021 Can you please check with registry. Vehicle is registered in husbands name only he has passed away. There is still a loan on the car and bank says loan is in both…
HONK Technologies, Inc./Urgently, Inc.
HONK Technologies, Inc./Urgently, Inc., This question was answered based upon current rules, regulations & statutes in effect on June 29, 2021 We were just made aware yesterday that the above two companies are a TNC based application. You download an app and when your vehicle is disabled- you can request road side assistance. We have a…
Trailer C of O’s
Question Trailer C of O’s This question was answered based upon current rules, regulations & statutes in effect on October 28, 2021: We are having this problem the RMV keeping the original Certificates of Origin and not accepting copies. We are sending copies to the RMV but they are declining our paperwork saying they need…
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…