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…
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…
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…
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…
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…
Domestic Partner and the MAP
Question Domestic Partners and the MAP This question was answered based upon current rules, regulations & statutes in effect on March 26, 2021 I am hoping you can help me with a question one of our insureds has asked us. She is a listed operator on her domestic partner’s Massachusetts auto policy and she will be traveling…
Listed Operators and HHMs
Question Listed Operators and HHMs 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 these scenarios. We…
Florida Temporary Plates
Question Florida Temporary Plates This question was answered based upon current rules, regulations & statutes in effect on March 29, 2021 Question: If we stamp an RTA for a client that is purchasing a car down in Florida and they get a Florida temporary plate and drive back on the Florida temporary plate any issues? Company…
Umbrella Coverage – Side Business
Question Umbrella Coverage – Side Business This question was answered based upon current rules, regulations & statutes in effect on March 29, 2021 If someone is doing dump runs – side business – with his personal truck and also has a commercial liability policy… if a personal umbrella is in place, would it cover him if…
Definition of Private Passenger Vehicle & 15 Passenger Van
Question Definition of Private Passenger Vehicle and 15 Passenger Van This question was answered based upon current rules, regulations & statutes in effect on March 30, 2021 My son is renting a 15 passenger van. I know his PAP follows him. I checked with the underwriter though (not my regular underwriter) as it was such a…
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…
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…
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…
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…
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…
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…
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…
Operator Assignment
Question Operator Assignment This question was answered based upon current rules, regulations & statutes in effect on March 17, 2021 Insured has two cars and three drivers. Dad point 2 Mom point 99 Daughter point 3 If I put both cars on one policy. Newer car gets daughters points, older car gets Dad’s point To…
Rented Handicap Accessible Van – Coverage
Rented Handicap Accessible Van – Coverage QUESTION This question was answered based upon current rules, regulations & statutes in effect on April 11, 2019 Good Morning Irene, I have a question for you. My insured has a private passenger auto policy; they need to rent a handicap accessible van for a 24 hour period. The…
Listing Licensed HHMs
Listing Licensed HHMs QUESTION This question was answered based upon current rules, regulations & statutes in effect on November 28, 2018 There is a discussion going on in our office whether it is a state law or just an insurance company requirement to have all licensed household members listed on each other’s policy. I believe…
Policy Effective Date
Policy Effective Date QUESTION This question was answered based upon current rules, regulations & statutes in effect on November 30, 2018 I was told to contact you with this insurance question. We have a new client who came to us to insure a Jeep. He had the Jeep insured with GEICO. It had not been…
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