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Question of the Week

Construction Vehicles

Question Construction Vehicles This question was answered based upon current rules, regulations & statutes in effect on April 20, 2021 One of our insureds has bought a 2011 Case Construction vehicle. I know rules are different for personal vs. commercial. They are planning on driving it to other properties rather than leaving it on their…

Campers and Travel Trailers

Question Campers and Travel Trailers This question was answered based upon current rules, regulations & statutes in effect on April 12, 2021 A question just recently came up regarding general Liability exposure for Camper trailers (Fifth wheels and travel trailers). We know that liability is extended to camper trailers while they are attached to the…

Trailer Proof of Ownership

Question Trailer Proof of Ownership This question was answered based upon current rules, regulations & statutes in effect on April 26, 2021 As far as we’re aware, the MA RMV requires the prior registration of the seller to register a trailer. Is that always the case? What if that is not available?  Is there a…

Altering an Acord Form

Question Altering an Acord Form This question was answered based upon current rules, regulations & statutes in effect on April 13, 2021 Hi, I believe back in 2019 or 2010 the rules/regulations by Acord changed which we were no longer able to type 30 day notice of cancellation, 10 for non-payment on the certificates.  Can…

Pickup Trucks and Commercial Auto Rating

Question Pickup Trucks and Commercial Auto Rating This question was answered based upon current rules, regulations & statutes in effect on April 15, 2021 In your experience, have you ever seen a Pickup Truck rated as a Private Passenger Auto on a Commercial Auto Policy? In my experience, I have only seen sedans, SUVs and…

Moped Question

Question Moped Question This question was answered based upon current rules, regulations & statutes in effect on April 15, 2021 We have an insured who wants to purchase a moped that does not have the ability to go more than 30MPH.  He is advising that he has friends in college who drive mopeds around without…

Deceased Owner and Registration Renewal

Question Deceased Owner and Registration Renewal This question was answered based upon current rules, regulations & statutes in effect on April 16, 2021 We have a client, now deceased whose car is in probate. Once it clears probate, her son plans to sell it. However, he’d like to use it for the next couple of…

Grub Hub

Question Grub Hub This question was answered based upon current rules, regulations & statutes in effect on April 15, 2021 Good Afternoon I’m guessing it is up to the specific company…but are there any issues with clients working, part time, for Grub Hub? I’m assuming Class 30? I also don’t know if there is an…

Title Question

Driver With Suspended License and Claim

Question Driver with Suspended License and Claims This question was answered based upon current rules, regulations & statutes in effect on March 25, 2021 I’m looking for some advice on a couple of things regarding MA auto.  Let me first say that I’m not looking for coverage determination, purely just how MAIA would look at…

Driver With Suspended License and Claim

Question Driver with Suspended License and Claims This question was answered based upon current rules, regulations & statutes in effect on March 25, 2021 I’m looking for some advice on a couple of things regarding MA auto.  Let me first say that I’m not looking for coverage determination, purely just how MAIA would look at…

Auto Coverage

Question Auto Coverage This question was answered based upon current rules, regulations & statutes in effect on March 31, 2021 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…

Auto Coverage

Question Auto Coverage This question was answered based upon current rules, regulations & statutes in effect on March 31, 2021 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…

Out of State RV Purchase

Question Out of State RV Purchase This question was answered based upon current rules, regulations & statutes in effect on April 1, 2021 We have an insured who purchased an RV in Florida… it has yet to be registered.  They came up on a Temp plate, did not use their existing plate as a transfer. …

MAP and Disabled Minor

Question MAP and Disabled Minor This question was answered based upon current rules, regulations & statutes in effect on April 9, 2021 Good Morning, We have a Customer, The vehicle that need to go in the name of  a 12 year old Handicapped girl so I need to put application and title in her name…

Claim Against Amazon Truck

Question Claim Against Amazon Truck This question was answered based upon current rules, regulations & statutes in effect on May 11, 2021 I have a situation that I need help with.  One of my customers had an accident with an Amazon truck.  My insured was driving down the main road and the Amazon truck came out…

15 Passenger Van and the MAP

Question 15 Passenger Van and the MAP This question was answered based upon current rules, regulations & statutes in effect on March 31, 2021 Hope you are doing well and staying sane! It’s been a while since I’ve gone through the MA PAP.  Where is it specified that there is coverage for BI, PD and…

15 Passenger Van and the MAP

Question 15 Passenger Van and the MAP This question was answered based upon current rules, regulations & statutes in effect on March 31, 2021 Hope you are doing well and staying sane! It’s been a while since I’ve gone through the MA PAP.  Where is it specified that there is coverage for BI, PD and…

CARVANA Question 2

Question CARVANA Question 2 This question was answered based upon current rules, regulations & statutes in effect on April 7, 2021 Our agency has read your tech talk regarding the Carvana issue in MA. As an agency we will not stamp an RTA for any vehicle purchase unless the back of the title is signed…

Registration in Name of Partnership

Question Registration in Name of Partnership This question was answered based upon current rules, regulations & statutes in effect on April 8, 2021 I have a question – we have a client coming into MA from NH.  He is looking to register/insure his NH Auto now to MA… currently in NH the vehicle is titled…

Lease Vehicle Buy Out

Question Lease Vehicle Buy Out This question was answered based upon current rules, regulations & statutes in effect on April 5, 2021 My customer bought out her lease and the leasing company said she can keep the same plate.  Under the RTA would this be Register & Title a Vehicle? Answer Irene Morrill:  There is nothing…

Insurance Without Registration

Question Insurance Without Registration This question was answered based upon current rules, regulations & statutes in effect on April 5, 2021 Can a vehicle be on a MA Commercial Policy if the vehicle does not have a MA Registration? Answer Irene Morrill:  There is nothing in the policy that says it has to be registered…

Trailer Used by Non-Owner and Physical Damage

Question Trailer Used by Non-Owner and Physical Damage This question was answered based upon current rules, regulations & statutes in effect on March 25, 2021 A son registers a trailer in his name and adds collision and comp coverage.  The father has a pickup (different policy) pulls the trailer; I know the liability follows from…

Back Date A Plate Cancellation

Question Back Date A Plate Cancellation This question was answered based upon current rules, regulations & statutes in effect on March 15, 2021   I was hoping you could help me with this transaction. One of our insured asked us to cancel a plate back in 10/2020.  Somehow that request was missed and it was…

2A & LPR Requirements

Question 2A & LPR Requirements This question was answered based upon current rules, regulations & statutes in effect on March 23, 2021 Good morning, we recently had an agency reject our 2A & LPR to cancel a new client’s former auto & home policies that we have written.  Prior agent would not accept the signed…

Recycle Metal Plates

Question Recycle Metal Plates This question was answered based upon current rules, regulations & statutes in effect on March 24, 2021 I hope all is well.  At this point when an insured brings in their metal plate for cancellation we cut then in half with tin snips and place them in a locked dumpster.  Are…

Registration Cancellation

Question Registration Cancellation This question was answered based upon current rules, regulations & statutes in effect on March 24, 2021 I had a customer swap CON plate to PAN plate for his 2019 Silverado I just went in and cancelled the CON plate but now the registration status shows cancelled in the registry and I’m having…

CARVANA

Question CARVANA This question was answered based upon current rules, regulations & statutes in effect on February 10, 2021 Hope you’re doing well!  We’ve seen a few requests from CARVANA lately at our agency.  CARVANA will not send the hard title and says that the RMV in Mass will accept an electronic version.  Do you…

ACV on Total Loss

Question ACV on Total Loss This question was answered based upon current rules, regulations & statutes in effect on March 16, 2021 Would the below statement be value about AVC on a total loss? Thanks Thank you for your response and I would be glad to address your concerns. Our office was closed yesterday which is…

Boston Districts

Question Boston Districts This question was answered based upon current rules, regulations & statutes in effect on March 17, 2021 Do you know if there is an actual map that draws the lines for property rating territories in Boston (ie Disctrict A,B,C, all other).  Carriers publish the street boundaries.  Wondering if there is a map…

Homeowners – Tools and Equipment Coverage

Question Homeowners This question was answered based upon current rules, regulations & statutes in effect on March 18, 2021 I have an insured with a United Property and Casualty policy. They called to say the husband has $150K worth of “welding” tools and equipment that he has acquire over his lifetime; in his detached garage. He…

Replacement Cost Estimator

Question Replacement Cost Estimator This question was answered based upon current rules, regulations & statutes in effect on March 18, 2021   I thought I remembered hearing in one of your classes that we should not be releasing replacement cost estimators to lenders or even to the insured’s. Am I correct? If I am what…

Commercial Trailer Registration and MA BAP

Question Commercial Trailer Registration & MA BAP This question was answered based upon current rules, regulations & statutes in effect on March 12, 2021   I’m hoping one of you can help me with something I’ve come across. We have a PL client for whom I am quoting the CL trucking business. He currently has…

Named Insured Non-Spouse Situation

Named Insurance Non-Spouse Situation This question was answered based upon current rules, regulations & statutes in effect on March 12, 2021 I’m not sure if you are the right person to email about this so I apologize ahead of time if you are not…. Our agency is looking to get clarification on where the state…

Cancel Plate Registration

Question Cancel Plate After Vehicle Sold This question was answered based upon current rules, regulations & statutes in effect on March 8, 2021 I am trying to turn in plates in my office for a customer. The vehicle has been given to her nephew who has already registered the vehicle. When I go to turn…

Boat Claim – Wind vs. Collision

Question Boat Claim – Wind vs. Collision This question was answered based upon current rules, regulations & statutes in effect on March 5, 2021 We have a claim denial on a boat claim that I think should be covered. The boat is NOT insured on a boat policy. The only coverage (physical damage) coverage that…

Private Sale with Even Trade

Question Private Sale with Even Trade This question was answered based upon current rules, regulations & statutes in effect on March 8, 2021 I have a client who is doing an even trade thru a private sale on a motorcycle.  Can this be done? How would he write up a bill of sale?  Would we…

Workers’ Comp. Limited Out-of-State Endorsement

Workers’ Comp. Limited Out-of-State Endorsement This question was answered based upon current rules, regulations & statutes in effect on February 9, 2021 I hope you both are well and staying safe.  Quick question on Massachusetts Assigned Risk workers compensation.  A Mass based business is doing some work in NH.   This is a Massachusetts based company and none…

Special Plate Reassignment

Question Specialty Plate Transfer This question was answered based upon current rules, regulations & statutes in effect on March 8, 2021 I’m working with a client who is buying out their lease. They currently have a specialty plate that was transferred from her name into the lease. If possible, she is interested in keeping the…

Incorrect Information on Police Report – Total Loss

This question was answered based upon current rules, regulations & statutes in effect on August 25, 2020 QUESTION I do not know if you are able to provide any assistance but I am at a total loss.  I have an insured whose vehicle was hit while it was parked in front of her home.  The…