Glass Coverage Collision or Comprehensive
Question Glass loss – Collision or Comprehensive: This question was answered based upon current rules, regulations & statutes in effect on November 12, 2021: I hope you can clarify glass coverage for me on an auto policy. This is pertaining to a personal auto. I have an insured who backed their van into a mail box…
Rental Vehicle Coverage
Question Rental Vehicle Coverage This question was answered based upon current rules, regulations & statutes in effect on October 27, 2021: I was wondering where I would find the wording in regards to rental coverage when renting a vehicle. Does it say that you should buy the extra insurance coverage as it wouldn’t be covered…
Named non-owned policy in foreign country
Question Named non-owned policy in foreign country This question was answered based upon current rules, regulations & statutes in effect on October 26, 2021: Is there a policy available that can be purchased for a MA resident in Lithuania for a temporary stay ? if not, what is the solution to the problem when he…
Renting a Motorcycle and Coverage
Question Renting a Motorcycle and Coverage This question was answered based upon current rules, regulations & statutes in effect on October 13, 2021: Can you shed some light on renting a motorcycle for someone who has a personal auto policy and wants to be able to rent one? He has a personal auto policy with only…
Will There be Coverage with no Vehicle on Policy and Renting
Question Will There be Coverage with no Vehicle on Policy and Renting? This question was answered based upon current rules, regulations & statutes in effect on October 6, 2021: Background- this insured purchased a Ford 150 to tow his new Airstream Camper home. But he found out the Ford F150 is not enough to tow this…
Auto Binders
Question Auto Binders This question was answered based upon current rules, regulations & statutes in effect on June 29, 2021 In regard to issuing binders, we have received conflicting advice/directives from different sources (including our companies), so I would appreciate your feedback. According to the MAP, it appears that after we stamp an RTA for a…
Seizure
Question Seizure This question was answered based upon current rules, regulations & statutes in effect on September 03, 2021 I had a customer call in regards to his son having a recommendation from his doctor to not drive for 6 months due to a seizure he had a couple of months ago. The son has been…
3rd. Party Claim
3rd. Party Claims This question was answered based upon current rules, regulations & statutes in effect on September 13, 2021 Back in the mists of time, I seem to remember that if an insured is going 3rd party against an auto carrier, and if their insureds do not respond within a certain amount of time to inquires,…
How to Insure a Trailer with No Auto
Question How to Insure a Trailer with no Auto This question was answered based upon current rules, regulations & statutes in effect on September 13, 2021 We have an unusual situation I have a question how we would cover. We have an insured who has a “trailer” called the Candy Shack. We had this insured on…
Adding A New Driver
Question Adding A New Driver This question was answered based upon current rules, regulations & statutes in effect on September 15, 2021 I am reaching out with hopefully an easy question; though there is nothing cut and dry easy in insurance is there?!?! What is the timeframe to add a new driver to an auto policy?…
OEM vs Aftermarket
Question OEM vs Aftermarket This question was answered based upon current rules, regulations & statutes in effect on September 22, 2021 Not sure if you would know this answer but lately, we have been having a lot of customers questioning why they are getting after markets windshields instead of an OEM windshield when getting a windshield…
MA Registration for OOS Resident
Question MA Registration for OOS Resident This question was answered based upon current rules, regulations & statutes in effect on September 22, 2021 How would you advise a client who has their car registered in MA but currently living out of state with the specific intent returning early next year? The insured does not want to…
Deferred Operator
Question Deferred Operator This question was answered based upon current rules, regulations & statutes in effect on September 23, 2021 I need your assistance if I may. I have a client who is separated from his wife. He is insured with me under a Progressive policy. His ex-wife is with Liberty Mutual. They have a son…
Personal Lines or Commercial Lines and Coverage
Question Personal Lines or Commercial Lines Policy and Coverage This question was answered based upon current rules, regulations & statutes in effect on August 26, 2021 We have a potential insured who currently is a landscaper. He has a truck and three trailers on a personal auto policy with physical damage coverage and the truck is…
OOS Vehicle Purchase
Question OOS Vehicle Purchase – 08/23/21 Personal This question was answered based upon current rules, regulations & statutes in effect on August 4, 2021 Kathy Cormier response in red: This is a two-fold question. We have customer in PA purchasing a new vehicle, she asks for coverage to be added as she is having it hauled…
Removing Operator
Question Removing Operator This question was answered based upon current rules, regulations & statutes in effect on August 10, 2021 My daughter has an insurance policy with Geico (don’t even get me started on that one), and a couple of months ago, added her father on as the primary driver, as he was going to just…
3rd Party Rental 2
Question 3rd. Party Rental This question was answered based upon current rules, regulations & statutes in effect on July 16, 2021 Simon Smith was in an accident and he was rear-ended by another vehicle. That person has progressive and Progressive is stating they don’t pay for 3rd party rentals, even though our insured is NOT at fault.…
Liability Non Listed Operators
Question Liability Non Listed Operators This question was answered based upon current rules, regulations & statutes in effect on July 16, 2021 If there is a policy with Progressive in place and all drivers in HH are not listed but have insurance with another company (Commerce), and a non listed driver has a minor fender bender…