PAN or AHN
PAN or AHN This question was answered based upon current rules, regulations & statutes in effect on March 10, 2020 QUESTION I have a client who has welded a slide-on camper to his pickup truck. I’ve been informed the slide-on does have a running toilet. Is this pickup truck now a camper that will…
Event Cancellation – Coronavirus
Event Cancellation – Coronavirus This question was answered based upon current rules, regulations & statutes in effect on March 10, 2020 QUESTION I am looking to find coverage for a one-day event if it were to get a canceled due to the Corna virus. My insured is planning an engagement party in May at…
New Vehicle – No Title
New Vehicle – No Title This question was answered based upon current rules, regulations & statutes in effect on February 11, 2020 QUESTION Quick question for you. I have an insured that called me last week & said he was getting a 2018 truck. He picked it up Friday 2/7/20 & I haven’t received the…
Doordash
Doordash This question was answered based upon current rules, regulations & statutes in effect on February 12, 2020 QUESTION I have a client who is looking into part-time with Doordash. How is personal lines client addressing using personal vehicle for doordash? Any thoughts?
Surcharge
Surcharge This question was answered based upon current rules, regulations & statutes in effect on February 19, 2020 QUESTION If a client hits a barrel that falls out of the back of a truck on the highway, can they be surcharged? Thank you!
Roommates
Roommates This question was answered based upon current rules, regulations & statutes in effect on February 19, 2020 QUESTION Personal auto policy, individual rents a room with several other “housemates”/Roommates. He doesn’t speak to them, no idea who they are. Carrier is asking to be added to his auto policy. There a ruling on…
Condo
Condo 9is question was answered based upon current rules, regulations & statutes in effect on March 3, 2020 QUESTION Question, if a condo master policy includes earthquake coverage but the HO6 policy does not, if there was an earthquake loss, would the loss assessment apply or does it have to be a covered loss….…
Trailer Only Policies
Trailer Only Policies 9is question was answered based upon current rules, regulations & statutes in effect on March 5, 2020 QUESTION We are being told by our carrier that their new company portal will no longer support “trailer only” policies, so they are going to be non renewing the policies unless we add a…
Rear End Collision and Glass
Rear End Collision and Glass 9is question was answered based upon current rules, regulations & statutes in effect on March 5, 2020 QUESTION Have an insured who was rearended. He filed a claim through the other carrier. They are paying for the damage to his bumper, but the collision also caused drivers side window…
Commercial Auto and SDIP
Commercial Auto and SDIP 9is question was answered based upon current rules, regulations & statutes in effect on March 5, 2020 QUESTION We have a client that has both a personal auto policy and a business auto policy with us. The insured backed into a snow bank and caused damage to the truck that…
Stamped RTA and Coverage
Stamped RTA and Coverage 9is question was answered based upon current rules, regulations & statutes in effect on March 6, 2020 QUESTION I hope you have been well. Question for you – if we stamp an RTA, is coverage for that vehicle considered bound? Ie. If we forget to send a change request to…
RMV and Blank Checks
RMV and Blank Checks 9is question was answered based upon current rules, regulations & statutes in effect on March 6, 2020 QUESTION Our runner brought in a notice on the checks-dated 2/25/2020 B2B CHECK Policy & Bulk Transaction and it refer me to the cash manual chapter 1 but I can’t find the manual.…
Vanity Plate and Signage
Vanity Plate and Signage 9is question was answered based upon current rules, regulations & statutes in effect on March 6, 2020 QUESTION One of our insureds has a vanity plate- she owns a business and has a magnetic sign that she puts on her door for advertising…does she need to change to a commercial…
Auto Rental on Vacation
Auto Rental on Vacation 9is question was answered based upon current rules, regulations & statutes in effect on March 6, 2020 QUESTION My client is renting a vehicle for vacation in US and wants to allow a relative to drive the rental. She isn’t going to take the insurance through the dealer, so relying…
Named Insured on MAP
Named Insured on MAP 9is question was answered based upon current rules, regulations & statutes in effect on February 27, 2020 QUESTION I am looking for the verbage for Mass Auto that states the policy Named Insured must match the vehicle title and registration. Thanks
UBER/LYFT & Door Dash
UBER/LYFT & Door Dash 9is question was answered based upon current rules, regulations & statutes in effect on February 27, 2020 QUESTION We have a client who does Door Dash,, Uber and Lyft. Personal policy does not cover Door Dash at all, food delivery. He does not qualify for Commercial Auto. He has had…
MAP vs BAP and Mopeds
MAP vs BAP and Mopeds 9is question was answered based upon current rules, regulations & statutes in effect on March 1, 2020 QUESTION Hi. Thanks for your help in the past; we’re seeking some more helpfulness! Three questions: Do you have a good summary, or can you refer us to one, which describes the…
Leased Vehicle Buy Out
Leased Vehicle Buy Out This question was answered based upon current rules, regulations & statutes in effect on February 26, 2020 QUESTION I have a client who had a lease under his name, but has decided to purchase the vehicle for his business. I’m in the process of completing the RTA. My understanding is…