Update Address for Commercial Client
This question was answered based upon current rules, regulations & statutes in effect on April 8, 2020 QUESTION I have a likely easy question – my commercial client needs to update their mailing address. I don’t see that I can do this on line. Can you confirm before we go through the efforts of…
Driver Retraining Classes
This question was answered based upon current rules, regulations & statutes in effect on April 8, 2020 QUESTION One of our younger customers had three recent driving incidents and needs to attend additional driver’s education classes to keep her driver’s license. Is the RMV still holding these classes or are they on hold?
RMV Insurance Stamp
This question was answered based upon current rules, regulations & statutes in effect on March 25, 2020 QUESTION Is the RMV allowing faxed copies of the stamped RTA for clients purchasing vehicle from private sale? Some clients don’t have printers. I know they allow for dealers to do it this way. I thought I…
Family Exemption
This question was answered based upon current rules, regulations & statutes in effect on March 2, 2020 QUESTION We have a title in the mother and sons name. The mother wants her name off the title loan is paid off. Does the son now have to pay sales tax on the car?
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…
Cancel a Registration Once Vehicle is Registered to Another
Cancel a Registration Once Vehicle is Registered to Another This question was answered based upon current rules, regulations & statutes in effect on February 18, 2020 QUESTION How do I cancel a registration for my customer when the vehicle is already registered to another person?
Trade In Allowance
Trade In Allowance This question was answered based upon current rules, regulations & statutes in effect on February 18, 2020 QUESTION I had a call from an insured. She was told the following: Mass will not allow trade in allowance for Construction Trailers or Mobile Equipment (plated) any longer? Can you please check on this…
DOT and SDIP
DOT and SDIP This question was answered based upon current rules, regulations & statutes in effect on February 18, 2020 QUESTION I have an insured asking if he was surcharged when driving his DOT registered vehicle by a DOT officer, should that/would that show as an incident on his driver’s license, as well? He…
Vehicle Going From Business to Individual
Vehicle Going From Business to Individual 9is question was answered based upon current rules, regulations & statutes in effect on February 18, 2020 QUESTION I have an insured that wants to change his business vehicle to personal. He has a title from the lienholder but it’s made out to the company name. What do…
Dual Wheel Truck & Registration
Dual Wheel Truck & Registration 9is question was answered based upon current rules, regulations & statutes in effect on February 19, 2020 QUESTION I have a client who has a 13000 lb. dual wheel dump truck that has a CON plate on it currently and is on a commercial policy- he uses it for…
Dissolved Corporation and Coverage
Dissolved Corporation and Coverage his question was answered based upon current rules, regulations & statutes in effect on February 13, 2020 QUESTION A corporation dissolves and there are vehicles in the business name. The principal has not yet transferred/sold the vehicles to another party so they are still registered in the corporate name. What…
Inland Marine & Driving Records
Inland Marine & Driving Records his question was answered based upon current rules, regulations & statutes in effect on February 13, 2020 QUESTION I remember from one of your classes that we shouldn’t be giving out driving records… I have an Inland Marine policy for one of our insureds (delivers kitchen cabinets)… The carrier…
WOD with a DUI
WOD with a DUI his question was answered based upon current rules, regulations & statutes in effect on February 13, 2020 QUESTION Hope your week is going well. I just had a quick question for you- if a drunk driver gets in a not at fault accident with a sober person, will the drunk…
Commercial Auto and Drivers
Commercial Auto and Drivers his question was answered based upon current rules, regulations & statutes in effect on February 13, 2020 QUESTION My Commercial Dept lead came across a situation with Progressive that I am a little baffled by. First, she was given a very hard time putting a truck back on to the…
Commercial Auto Vs. MA Auto Policy
Commercial Auto Vs. MA Auto Policy his question was answered based upon current rules, regulations & statutes in effect on February 14, 2020 QUESTION Once again, we are struggling with Commercial vs MA Auto Policy and how coverage works. We understand that if you have a camper trailer that you pull with a MA…
Moving Out-of-State and Auto
Moving Out-of-State and Auto his question was answered based upon current rules, regulations & statutes in effect on February 14, 2020 QUESTION We have a client that has moved to New Hampshire and is insisting that by law all he has to do is call and request us to cancel his policy. We advised…
DOC and Car Rental
DOC and Car Rental his question was answered based upon current rules, regulations & statutes in effect on February 18, 2020 QUESTION I have a questions regarding drive other car coverage on a commercial automobile policy. We have a commercial automobile policy for a business, the cars are owned by the company and driven…
Condo’s
Condo’s his question was answered based upon current rules, regulations & statutes in effect on February 18, 2020 QUESTION May you please email me some information on what is HO1734? I am trying to understand why this is a needed endorsement on a condo policy.
BAP and New Truck
BAP and New Truck This question was answered based upon current rules, regulations & statutes in effect on February 18, 2020 QUESTION Our insured just advised us they have purchased a bucket truck at an auction and need liability coverage in order to pick up the vehicle. They have a commercial auto policy with…
BAP and Dissolved Business
BAP and Dissolved Business This question was answered based upon current rules, regulations & statutes in effect on February 13, 2020 QUESTION A corporation dissolves and there are vehicles in the business name. The principal has not yet transferred/sold the vehicles to another party so they are still registered in the corporate name. What…
Markets
Markets This question was answered based upon current rules, regulations & statutes in effect on January 24, 2020 QUESTION Do you have any markets for a BOP small business owner?
Business Interruption/Loss of Income
Business Interruption/Loss of Income This question was answered based upon current rules, regulations & statutes in effect on January 24, 2020 QUESTION Customer operating a livery service, inquiring if coverage for Business Interruption, or Loss of Income,, is available, due to temporary loss of use for a vehicle, as a result of an auto…