MA Auto and Total Loss
*This question was answered based on current rules, regulations & statutes in effect as of July 2023. Question I have a MA carrier, written through MAIP, who is advising that ACV is not the same as replacement value on a totaled vehicle, with the same like, kind, and quality. I’ve never had a carrier respond…
Registration vs. Coverage Start Date
*This question was answered based on current rules, regulations & statutes in effect as of July 2023. Question I have a kind of silly question regarding registering your car and when coverage beginnings. Does coverage start when the vehicle is registered or starts on the date of purchase? For endorsement purposes, do we add a…
Coverage for Autos with Handicap Equipment and Drivers
*This question was answered based on current rules, regulations & statutes in effect as of June 2023. Question We had an inquiry about where to go on coverage. I believe we would need to write a ceded commercial auto policy as I do not believe it would qualify for Mass personal auto. Can I get…
Removable Equipment
*This question was answered based on current rules, regulations & statutes in effect as of June 2023. Question Being a Jeep owner myself, I’m not sure why my brain never chewed this one around before, but it came up with a customer, so I wanted to be sure – Wranglers have doors and a roof…
Drones
*This question was answered based on current rules, regulations & statutes in effect as of June 2023. Question Hope all is well. I was browsing through your Tech Talks, looking to see if you did one on Drones. I tried to search by Drones, and nothing came up. If you did one, will you please…
Business Use MA Auto Coverage
*This question was answered based on current rules, regulations & statutes in effect as of May 2023. Question Someone on my CL team reached out regarding a large account that they handle. They have a CL auto, and there are several employees that use their personal autos for business use. The CL auto policy contains…
Collision Coverage Question
*This question was answered based on current rules, regulations & statutes in effect as of May 2023. Question A scenario came up today in our team meeting that we had a different opinion on, and I’m hoping you might be able to assist. The insured owns a 2008 Toyota SUV, which was involved in an…
Policy for Auto and MC
*This question was answered based on current rules, regulations & statutes in effect as of May 2023. Question Has there been any article from MAIA about having an automobile and a motorcycle on the same policy and whether that is the wrong thing to do? Some carriers will allow them to be on the same…
Adding a Newly Licensed Driver to MAP
*This question was answered based on current rules, regulations & statutes in effect as of May 2023. Question Is there a new law regarding when a Newly Licensed/Permitted driver must be added to an auto policy? We have an insurance company that automatically added a driver with a permit to the policy without our request,…
Suspension of Coverage on Salvage Vehicles
*This question was answered based on current rules, regulations & statutes in effect as of May 2023. Question I have an insured whose vehicle was totaled in an accident. It was totaled only because of dollars and cents. Nothing structural. So the insured negotiated to keep the vehicle. After the payout, the carrier suspended physical…
Progressive / Geico
*This question was answered based on current rules, regulations & statutes in effect as of January 2023. Question Quick question. We offer Progressive at our agency. Something that both Progressive and Geico offer that all of our other carriers don’t is they allow you to write all the cars from a household on one policy.…
Adding Additional Insurance to HO Policy
*This question was answered based on current rules, regulations & statutes in effect as of August 2022. Question I have an insured that is going to install a generator for their house in Scituate, and the only place to put it is next to their neighbor’s generator on their neighbor’s property. The neighbors are okay…
Renting a Vehicle Out of Country
*This question was answered based on current rules, regulations & statutes in effect in December 2022. Question I have a customer going on vacation outside of the U.S. and Canada. He wants to know if his auto coverage is extended from his Mass. Policy, I believe it is not. I want to tell him to…
PL or CL Policy and Coverage
*This question was answered based on current rules, regulations & statutes in effect in October 2022. Question We were asked by one of our carrier underwriters to add a vehicle on the date of purchase vs. the date that the vehicle was stamped unless it had gone beyond 8 days. I am trying to put…
Can you have a Motorcycle Policy without a Motorcycle permit-license?
Question Can you have a Motorcycle Policy without a Motorcycle permit/license? This question was answered based upon current rules, regulations & statutes in effect on July, 2022: I’ve checked with everyone that I work with and no one seems to know the answer to this. We have an insured who is trying to register and insure…
Adding Additional Insurance to HO Policy
Question Adding Additional Insurance to HO Policy: This question was answered based upon current rules, regulations & statutes in effect August, 2022: I have an insured that is going to install a generator for their house in Scituate, and the only place to put it is next to their neighbor’s generator on their neighbor’s property. The neighbors is…
Rental Vehicle
Question Rental Vehicle: This question was answered based upon current rules, regulations & statutes in effect on July, 2022: My insured is going to rent a vehicle from dealer while his pickup is in for repair. It may take a while because they have to order parts. He is going to borrow his sister-in-law’s truck to…
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…