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…