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Question of the Week

License Surrendered and Auto Policy

This question was answered based upon current rules, regulations & statutes in effect on August 11, 2020 QUESTION One of our insured was in an recent accident and is paralyzed from the waist down… He has an auto policy… 2 cars and the titles are just in his name… First, he received a letter from…

SR-22

This question was answered based upon current rules, regulations & statutes in effect on August 12, 2020 QUESTION Quick question do all Massachusetts auto carriers have to write an SR22?

Farm Plate

This question was answered based upon current rules, regulations & statutes in effect on August 12, 2020 QUESTION Hello insurance guru!!! I hope your pandemic summer is going fabulous!!! Riddle me this!!! We have an insured, Mary Jo,  who has a farmer’s plate. It is in the name of her deceased husband and it has…

Information Only Claim

This question was answered based upon current rules, regulations & statutes in effect on July 29, 2020 QUESTION Hope this email finds you well!  I have an  auto insurance claim question for you.  I have an insured who notified their carrier of an accident she was involved in. When she reported the accident, she indicated…

Trailer Only Policy

This question was answered based upon current rules, regulations & statutes in effect on July 27, 2020 QUESTION I have a client with a trailer only auto policy. A few years ago, the company said they would write it as my client had a company car. The company has since said they no longer want…

Auto Symbol 2

This question was answered based upon current rules, regulations & statutes in effect on July 28, 2020 QUESTION I have been poking online and in policies and cannot find a clear answer.  I am assisting my team in working on a large account headquartered in MA.  They are a retail distribution carrier with a large…

Travel Trailer and No Auto Policy

This question was answered based upon current rules, regulations & statutes in effect on July 24, 2020 QUESTION I have a situation.   I have a client that works for a business and is allowed to use one of the business vehicles for her own person use.   This client just purchased a 20’ travel trailer but…

Carrier Refused Application after RTA Stamped

This question was answered based upon current rules, regulations & statutes in effect on July 25, 2020 QUESTION We stamped a commercial RTA for one of our clients  and submitted a change request to the carrier adding the vehicle to the policy. It has been 5 days and the carrier just notified us that they…

Policy Non-Renewal

This question was answered based upon current rules, regulations & statutes in effect on July 27, 2020 QUESTION Just trying to find out info if a carrier is able to non renew a personal auto policy because of the loss history on a commercial auto policy?  My U/W is giving me flack on total account…

Maine Registered Vehicle, MA Resident

This question was answered based upon current rules, regulations & statutes in effect on July 2, 2020 QUESTION We have a client that lives in MA and has a house in Maine.  He has a MA auto policy and owns a condo in MA and is a MA resident.   Is it okay for him to…

Registration Renewal for Leased Vehicle

This question was answered based upon current rules, regulations & statutes in effect on July 2, 2020 QUESTION Our insured just transferred a reg from one leased vehicle to another – same plate.   The plates expire 8/31/2020.   I can’t imagine she will get a renewal at this late date from the RMV???    Can she renew…

Plate Cancellations

This question was answered based upon current rules, regulations & statutes in effect on July 2, 2020 QUESTION Chicopee no longer wants to take back plates that we have cancelled.  How are most agencies disposing of them?

Vehicle and Probate

This question was answered based upon current rules, regulations & statutes in effect on July 2, 2020 QUESTION I am wondering if you would be able to help me out with a question. I have a customer(Mary), whose mother (Jane) died in 2018, she (Mary) has sole power of attorney and a will. She (Mary)…

RMV Reopening

This question was answered based upon current rules, regulations & statutes in effect on July 2, 2020 QUESTION A question that we have been getting asked all day everyday is this: “Why can’t the Registry offices open up? Stores and restaurants are open now?” (The very limited RMV services in person is very much hampering…

PAR Plate Hold

This question was answered based upon current rules, regulations & statutes in effect on July 2, 2020 QUESTION I have an insured who I just did a  transfer for she went from a leased vehicle to an owned vehicle.  I got her new PAN plates.   The previous plates were a PAR which belonged to her…

PAR Plate Reassignment

This question was answered based upon current rules, regulations & statutes in effect on July 2, 2020 QUESTION My Insured wants  give  her PAR Reserved plate to her Brother. I know she has to write a note saying she is giving them to him, does he have to go to the registry with his current…

Surcharge Appeals

This question was answered based upon current rules, regulations & statutes in effect on July 2, 2020 QUESTION Do you know when they will start up the surcharge appeal hearings? We have an  insured who’s postcard said she should hear about a date by July 2020 on a December 2019 accident and has not heard.

Private Transfer and 7 Day Law

This question was answered based upon current rules, regulations & statutes in effect on July 2, 2020 QUESTION With all these moving parts these days, we are wondering how many days does a person have to do a transfer between private parties. They have done the transfer physically and the vehicle is in the new…

Updating Corporation Information in RMV

This question was answered based upon current rules, regulations & statutes in effect on July 6, 2020 QUESTION I have a client who changed his address with the secretary of state, but it has not been updated at the RMV.  He is trying to register a new vehicle and can’t get it done because of…

Boston Software and RMV Transactions

This question was answered based upon current rules, regulations & statutes in effect on July 6, 2020 QUESTION I heard this on the news and the article is attached below.   It says the RMV joined forces with Boston Software so we can renew reg’s online for our clients.  I’m not sure why Boston Software is…

REAL ID Fees Waived for Online Renewal

This question was answered based upon current rules, regulations & statutes in effect on July 6, 2020 QUESTION I was supposed to renew my license on June 1st.   I want the real ID.   Can you translate this please?   Can I now renew my regular license then upgrade later to the real ID at no additional…

Permit Only and New Registration

This question was answered based upon current rules, regulations & statutes in effect on July 6, 2020 QUESTION Can someone who has a permit no license yet,  register a vehicle in his name and add another person with licence on the RMV-1? He said he is getting his license back 7-29-20 but, to register the…

Title Only Transaction

This question was answered based upon current rules, regulations & statutes in effect on July 6, 2020 QUESTION I have an insured who needs to do a title only application –we tried to make an appointment and RMV says it must be mailed in.  What must be mailed? Original title, RTA, bill of sale and…

Trailer and BAP Only

This question was answered based upon current rules, regulations & statutes in effect on June 26, 2020 QUESTION I hope you are keeping well. We have a scenario where a client has a BAP for their cars. They have bought a boat in their personal names and want to register the trailer. Since they have…

WC driving to work?

This question was answered based upon current rules, regulations & statutes in effect on June 26, 2020 QUESTION I have a customer insured under a commercial auto policy, he also has private passenger vehicles with rate class 30, he owns an excavating company. He was curious he or an employee gets hurt driving to work…

Commercial Auto vs. Equipment Floater

This question was answered based upon current rules, regulations & statutes in effect on June 6, 2020 QUESTION I need your guidance please.  I have a CAT Loader that is registered with a plate, it goes on the road.  However, it is scheduled under both the Auto and IM policies. Should it be just on…

Traffic Violations that are Criminal

This question was answered based upon current rules, regulations & statutes in effect on March 31, 2020 QUESTION You sent me a link or a file that discussed MA traffic violations and which were criminal …for the life of me I can’t find it ..do you have it in the next 30 minutes?

Trailers

This question was answered based upon current rules, regulations & statutes in effect on April 1, 2020 QUESTION We have an insured (commercial landscaper) that purchased an 8,000 lb. hydro seeder trailer from Georgia at a government auction, and was not given a title for it, just an invoice showing paid in full, which is…

Leased Vehicles

This question was answered based upon current rules, regulations & statutes in effect on April 2, 2020 QUESTION I get these calls on leased vehicles and registrations and never am quite sure of the procedure. This one is buying out lease; she has a C&I plate she kept from last vehicle. So I don’t know…

Kids at School

This question was answered based upon current rules, regulations & statutes in effect on April 8, 2020 QUESTION I hear conflicting scenarios regarding parents excluding their kids while away at school.I hear some agents tell parents to NOT let their kids drive anyone else’s cars while excluded and I hear others say they can drive…

Obtaining Driver Information

This question was answered based upon current rules, regulations & statutes in effect on April 13, 2020 QUESTION Hi there – hope this email finds you and your loved ones safe and well. We have a MA Livery client who indicates that is telling us that in MA, the process for taxi companies is that…

Rental and Covered Operators

This question was answered based upon current rules, regulations & statutes in effect on April 13, 2020 QUESTION I have a client..he has a MA Auto, MA License. His daughter lives in NY and will be staying at his home in NY (secondary home). She does not have a vehicle. She will be renting a…

Motorcycle Only Policy and Trailer

This question was answered based upon current rules, regulations & statutes in effect on June 16, 2020 QUESTION Our insured who only has a motorcycle wants us to do an RTA for a homemade trailer. Can I stamp an RTA if he doesn’t have a vehicle to pull it?

2A Same Agent Different Company

This question was answered based upon current rules, regulations & statutes in effect on June 12, 2020QUESTION Hoping everyone is doing well. Could you please tell me if it is mandatory to issue a 2A form or a signed LPR when an agent transfers an existing client to another carrier? Seems like a waste of…

Coverage for a Foreign Driver

This question was answered based upon current rules, regulations & statutes in effect on June 12, 2020 QUESTION Quick question, I believe… We have a client who is having his girlfriend stay with him here in MA for the summer (approximately 3-4 months). She is a Canadian citizen and has a valid Canadian drivers’ license.…

Moving Company

This question was answered based upon current rules, regulations & statutes in effect on June 12, 2020   QUESTION Where in the Comm’l MA Auto policy is loading and unloading discussed whether covered or excluded? I have a moving company and need to know relative to damaging other’s property if coverage is an auto coverage…

Tow Behind Camper

This question was answered based upon current rules, regulations & statutes in effect on June 3, 2020   QUESTION I have a client who is thinking of renting a tow behind RV Camper; would his normal auto policy cover or what does he need to do? Thanks a bunch!

Insured is Driving a Ruckus

This question was answered based upon current rules, regulations & statutes in effect on June 3, 2020   QUESTION I am sorry to bother you but I can’t put my hands on a tech talk that you sent out regarding the classification of mopeds vs limited use vs motorcycles.  One of our young  insureds purchased…

Cancel Request Form

This question was answered based upon current rules, regulations & statutes in effect on April 23, 2020   QUESTION I’m just trying to clear up a dispute I have with another agent.   This agent rewrote a flood policy  our agency had in place.  I requested a cancellation from the new agent.   The new agent is…

Trailer Converted to Portable BAR

This question was answered based upon current rules, regulations & statutes in effect on April 24, 2020   QUESTION Any input on this situation would be appreciated. A client bought a horse trailer and is converting it into a portable bar. She will take it to events (private wedding in a yard) and serve alcohol.…