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…
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…
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…
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…
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…
Policy Cancellation and HHM License Suspension
Question Policy Cancellation & HHM License Suspension: This question was answered based upon current rules, regulations & statutes in effect on December, 2020: We’re looking to find out if a carrier can cancel an auto policy immediately if a Junior Operator’s license is suspended Answer Kathy Cormier: The 2016 MAP has this language in the cancellation section and…
Named Non Owner Policy:
Question Named Non Owner Policy: This question was answered based upon current rules, regulations & statutes in effect on October, 2021: I have a client that is living with her boyfriend. She does not own a vehicle but I recommended that she obtain a named non-owned policy for her- she is listed on his policy…
Automobile Cancellation
Question Automobile Cancellation – This question was answered based upon current rules, regulations & statutes in effect on December, 2020: I have a question for you regarding Mass. auto insurance and registration plates. We have an unnamed carrier (obtained through a recent acquisition) that allows an insured to delete a vehicle from an auto policy without cancelling…
Operator Exclusion and UM, UIM coverage
Question Operator Exclusion and UM/UIM coverage This question was answered based upon current rules, regulations & statutes in effect on January, 2022. Question- could an insured’s child collect UM/UIM coverage if they are excluded as a driver on the parent’s auto? For example, if the child is a passenger in a friend’s vehicle while at school…
SDIP and Notice to Reinquire
Question SDIP and Notice to Reinquire This question was answered based upon current rules, regulations & statutes in effect on January, 2022. Question- … I have a client that was involved in an AFA on 12/16 and convicted on 12/22. Their renewal policy was released on 12/3, to be effective 12/31 and was paid in…
PL or CL Policy and/or Coverage Question?
PL or CL Policy and/or Coverage Question? This question was answered based upon current rules, regulations & statutes in effect on January, 2022. Question I had a question on Ordinance or Law coverage. Specifically related to a DP3. When a client purchases an increased amount of ordinance or law, does that actually increase the dollar…
Auto Coverage
This question was answered based upon current rules, regulations & statutes in effect June,2021 Question 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 how to explain this…
Personal Auto Coverage
Question Auto Coverage – 02/24/22 Personal This question was answered based upon current rules, regulations & statutes in effect 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 how…
Merit Rating for Out of Country Driver
Question Merit Rating for Out of Country Driver? This question was answered based upon current rules, regulations & statutes in effect on October 20, 2021: We have a young man who has a Colombian License from June of 2015. Any idea how to have the RMV give him some driving credit? I have all his documents. His…