Personal Trailer/Insurance
This question was answered based upon current rules, regulations & statutes in effect on July 16, 2020 QUESTION We write a commercial account and a personal lines auto twist question has come up and I’d like to run it by you for some help. I’m not deeply versed in personal lines so reaching out to…
COI Question
This question was answered based upon current rules, regulations & statutes in effect on July 19, 2020 QUESTION We had a contractor do some work for us. I neglected to request a COI prior to the job. (I know I know ). There was no issue. Happy with the work. I just want a COI…
Motorcycle Question
This question was answered based upon current rules, regulations & statutes in effect on July 21, 2020 QUESTION This question came up and I was wondering what your thoughts were. Where the companies are charging different rates for motorcycles and there are different date first licensed on bikes…etc If my customer only had a auto…
CARVANA
This question was answered based upon current rules, regulations & statutes in effect on July 21, 2020 QUESTION Got a Carvana question for you. Our insured is buying a vehicle from Carvana and getting new plates. They are telling our agency that section K5 on the RTA (Policy Change Date) must be completed. We are…
Ceded MA Auto – Waiver of Subrogation
This question was answered based upon current rules, regulations & statutes in effect on July 22, 2020 QUESTION We continue to run into an issue where our ceded auto carrier will not provide a waiver of subrogation. Do you know if ceded carriers can refuse to add this endorsement in MA? Any alternative suggestions for…
Travel Trailer
This question was answered based upon current rules, regulations & statutes in effect on July 24, 2020 QUESTION I have a client that works for a business and is allowed to use one of the business vehicles for her own personal use. This client just purchased a 20’ travel trailer but needs an insurance stamp…
Dealer Plate
This question was answered based upon current rules, regulations & statutes in effect on July 28, 2020 QUESTION I just picked up a high net worth client. As I was doing my review the client mentioned that he has almost 50 high end and exotic cars. They are titled to him, but not registered or…
RV for Commercial Use
This question was answered based upon current rules, regulations & statutes in effect on July 29, 2020 QUESTION We have a commercial real estate client that is buying an RV to use for the real estate business. They are going to set it up as a mobile office, so the RV will be wrapped advertising…
New Vehicle Purchase/Loan Pay Off
This question was answered based upon current rules, regulations & statutes in effect on July 30, 2020 QUESTION One of my account managers has a situation. I know we have provided the correct info but just wanted to run by you… We have a client who is purchasing a vehicle through private sale. The SELLER…
Cancellations
This question was answered based upon current rules, regulations & statutes in effect on August 5, 2020 QUESTION I need your help, I have an insured that got cancelled and then reinstated with the finance company. The carrier once they received the reinstatement decided to not reinstate due to poor payment history and claims. My…
Driving Records
This question was answered based upon current rules, regulations & statutes in effect on August 13, 2020 QUESTION I insure a business looking to add an employee as a driver, but the employee’s personal insurance agent refuses to give him a print out of his own driving record. Is there something you can share with…
Vehicle in name of a Trust
This question was answered based upon current rules, regulations & statutes in effect on August 7, 2020 QUESTION We have an insured who is requesting to transfer their auto title to a trust? Is that possible, and if so, how do we go about doing that?
GAP Insurance
This question was answered based upon current rules, regulations & statutes in effect on August 11, 2020 QUESTION I’m thinking of leasing a new Ford. The dealership told me that Gap insurance was mandatory and they would include it in the lease payments since “Gap is included to protect Cab East LLC the leasing wing…
Scooters
This question was answered based upon current rules, regulations & statutes in effect on August 11, 2020 QUESTION Hope you’re staying safe & healthy during these difficult days. I have an insured that is purchasing a Scooter 49CC’s, maximum speed 30. I do not believe it can be registered as a M/C; therefore we cannot…
License Surrendered and Auto Policy
This question was answered based upon current rules, regulations & statutes in effect on August 11, 2020 QUESTION One of our insured was in an recent accident and is paralyzed from the waist down… He has an auto policy… 2 cars and the titles are just in his name… First, he received a letter from…
SR-22
This question was answered based upon current rules, regulations & statutes in effect on August 12, 2020 QUESTION Quick question do all Massachusetts auto carriers have to write an SR22?
Farm Plate
This question was answered based upon current rules, regulations & statutes in effect on August 12, 2020 QUESTION Hello insurance guru!!! I hope your pandemic summer is going fabulous!!! Riddle me this!!! We have an insured, Mary Jo, who has a farmer’s plate. It is in the name of her deceased husband and it has…
Information Only Claim
This question was answered based upon current rules, regulations & statutes in effect on July 29, 2020 QUESTION Hope this email finds you well! I have an auto insurance claim question for you. I have an insured who notified their carrier of an accident she was involved in. When she reported the accident, she indicated…
Trailer Only Policy
This question was answered based upon current rules, regulations & statutes in effect on July 27, 2020 QUESTION I have a client with a trailer only auto policy. A few years ago, the company said they would write it as my client had a company car. The company has since said they no longer want…
Auto Symbol 2
This question was answered based upon current rules, regulations & statutes in effect on July 28, 2020 QUESTION I have been poking online and in policies and cannot find a clear answer. I am assisting my team in working on a large account headquartered in MA. They are a retail distribution carrier with a large…
Travel Trailer and No Auto Policy
This question was answered based upon current rules, regulations & statutes in effect on July 24, 2020 QUESTION I have a situation. I have a client that works for a business and is allowed to use one of the business vehicles for her own person use. This client just purchased a 20’ travel trailer but…
Carrier Refused Application after RTA Stamped
This question was answered based upon current rules, regulations & statutes in effect on July 25, 2020 QUESTION We stamped a commercial RTA for one of our clients and submitted a change request to the carrier adding the vehicle to the policy. It has been 5 days and the carrier just notified us that they…
Policy Non-Renewal
This question was answered based upon current rules, regulations & statutes in effect on July 27, 2020 QUESTION Just trying to find out info if a carrier is able to non renew a personal auto policy because of the loss history on a commercial auto policy? My U/W is giving me flack on total account…
Maine Registered Vehicle, MA Resident
This question was answered based upon current rules, regulations & statutes in effect on July 2, 2020 QUESTION We have a client that lives in MA and has a house in Maine. He has a MA auto policy and owns a condo in MA and is a MA resident. Is it okay for him to…
Registration Renewal for Leased Vehicle
This question was answered based upon current rules, regulations & statutes in effect on July 2, 2020 QUESTION Our insured just transferred a reg from one leased vehicle to another – same plate. The plates expire 8/31/2020. I can’t imagine she will get a renewal at this late date from the RMV??? Can she renew…
Plate Cancellations
This question was answered based upon current rules, regulations & statutes in effect on July 2, 2020 QUESTION Chicopee no longer wants to take back plates that we have cancelled. How are most agencies disposing of them?
Vehicle and Probate
This question was answered based upon current rules, regulations & statutes in effect on July 2, 2020 QUESTION I am wondering if you would be able to help me out with a question. I have a customer(Mary), whose mother (Jane) died in 2018, she (Mary) has sole power of attorney and a will. She (Mary)…
RMV Reopening
This question was answered based upon current rules, regulations & statutes in effect on July 2, 2020 QUESTION A question that we have been getting asked all day everyday is this: “Why can’t the Registry offices open up? Stores and restaurants are open now?” (The very limited RMV services in person is very much hampering…
PAR Plate Hold
This question was answered based upon current rules, regulations & statutes in effect on July 2, 2020 QUESTION I have an insured who I just did a transfer for she went from a leased vehicle to an owned vehicle. I got her new PAN plates. The previous plates were a PAR which belonged to her…
PAR Plate Reassignment
This question was answered based upon current rules, regulations & statutes in effect on July 2, 2020 QUESTION My Insured wants give her PAR Reserved plate to her Brother. I know she has to write a note saying she is giving them to him, does he have to go to the registry with his current…
Surcharge Appeals
This question was answered based upon current rules, regulations & statutes in effect on July 2, 2020 QUESTION Do you know when they will start up the surcharge appeal hearings? We have an insured who’s postcard said she should hear about a date by July 2020 on a December 2019 accident and has not heard.
Private Transfer and 7 Day Law
This question was answered based upon current rules, regulations & statutes in effect on July 2, 2020 QUESTION With all these moving parts these days, we are wondering how many days does a person have to do a transfer between private parties. They have done the transfer physically and the vehicle is in the new…
Updating Corporation Information in RMV
This question was answered based upon current rules, regulations & statutes in effect on July 6, 2020 QUESTION I have a client who changed his address with the secretary of state, but it has not been updated at the RMV. He is trying to register a new vehicle and can’t get it done because of…
Boston Software and RMV Transactions
This question was answered based upon current rules, regulations & statutes in effect on July 6, 2020 QUESTION I heard this on the news and the article is attached below. It says the RMV joined forces with Boston Software so we can renew reg’s online for our clients. I’m not sure why Boston Software is…
REAL ID Fees Waived for Online Renewal
This question was answered based upon current rules, regulations & statutes in effect on July 6, 2020 QUESTION I was supposed to renew my license on June 1st. I want the real ID. Can you translate this please? Can I now renew my regular license then upgrade later to the real ID at no additional…
Permit Only and New Registration
This question was answered based upon current rules, regulations & statutes in effect on July 6, 2020 QUESTION Can someone who has a permit no license yet, register a vehicle in his name and add another person with licence on the RMV-1? He said he is getting his license back 7-29-20 but, to register the…
Title Only Transaction
This question was answered based upon current rules, regulations & statutes in effect on July 6, 2020 QUESTION I have an insured who needs to do a title only application –we tried to make an appointment and RMV says it must be mailed in. What must be mailed? Original title, RTA, bill of sale and…
Trailer and BAP Only
This question was answered based upon current rules, regulations & statutes in effect on June 26, 2020 QUESTION I hope you are keeping well. We have a scenario where a client has a BAP for their cars. They have bought a boat in their personal names and want to register the trailer. Since they have…
WC driving to work?
This question was answered based upon current rules, regulations & statutes in effect on June 26, 2020 QUESTION I have a customer insured under a commercial auto policy, he also has private passenger vehicles with rate class 30, he owns an excavating company. He was curious he or an employee gets hurt driving to work…
Commercial Auto vs. Equipment Floater
This question was answered based upon current rules, regulations & statutes in effect on June 6, 2020 QUESTION I need your guidance please. I have a CAT Loader that is registered with a plate, it goes on the road. However, it is scheduled under both the Auto and IM policies. Should it be just on…