Personal Information on Surcharge Notice
Personal Information on Surcharge Notice This question was answered based upon current rules, regulations & statutes in effect on January 27, 2020 QUESTION I’m wondering if you can help with something or maybe direct me to the right person. My colleague, manages our systems and everything technical in the office. His son had an…
At Fault Accident and Commercial Vehicle
At Fault Accident and Commercial Vehicle This question was answered based upon current rules, regulations & statutes in effect on January 28, 2020 QUESTION Hi, we are having a discussion in our office, One person thinks if you are driving a company vehicle that is in a inc. and get in a at fault…
Surcharge Appeal – Waiver of Deductible
Surcharge Appeal – Waiver of Deductible This question was answered based upon current rules, regulations & statutes in effect on January 28, 2020 QUESTION Good afternoon Kathy and Irene, I have a feeling I already know the answer to this, but it’s been at least a decade since I ran into this scenario. (See…
What is Property Damage
What is Property Damage This question was answered based upon current rules, regulations & statutes in effect on January 28, 2020 QUESTION Hello, I have a client who leases a retail space for her convenience store. A vehicle insured with Mapfre collided with her storefront, causing around $3700 in damage to her awning (that’s…
Hired Auto
Hired Auto This question was answered based upon current rules, regulations & statutes in effect on January 30, 2020 QUESTION I have a client who has a commercial auto with 2 different carriers. One policy includes non-owned and hired liability. Am I correct that they don’t need to have that on both policies since…
Carrier Filings
Carrier Filings This question was answered based upon current rules, regulations & statutes in effect on January 31, 2020 QUESTION Good morning, Here’s a question posed to me: If the carrier sends their guidelines to the state for approval, is it state law that they have to follow those guidelines? A certain carrier will…
MAP and Doctor Visit
MAP and Doctor Visit This question was answered based upon current rules, regulations & statutes in effect on January 12, 2020 QUESTION Under Mass auto is there a time frame that an injured party must see a Dr. Insured had accident 10 days ago, was told auto wouldn’t unless she sees a Dr.within 14…
2A Commercial Auto
2A Commercial Auto This question was answered based upon current rules, regulations & statutes in effect on January 14, 2020 QUESTION I am sorry if this seems like a dumb question but do I need to do a 2A if moving a commercial auto policy from one company to another within our agency?
Business Auto MA
Business Auto MA This question was answered based upon current rules, regulations & statutes in effect on January 15, 2020 QUESTION Many times in talking to clients and they inquire about a driver that is inexperienced or bad driving records when they find out it will effect their rate or they don’t qualify being…
Watercraft Insurance
Watercraft Insurance This question was answered based upon current rules, regulations & statutes in effect on January 16, 2020 QUESTION Can you clarify for me whether or not watercraft insurance is required in Massachusetts? I was under the impression it wasn’t? Is there any information you could provide me in regards to Watercraft insurance,…
USDOT for Non-Commercial Vehicle
USDOT for Non-Commercial Vehicle This question was answered based upon current rules, regulations & statutes in effect on January 13, 2020 QUESTION I have an insurance agent who drivers an 11,000 pound pickup that is registered in the name of his agency. This is used to commute back and forth to work and may…
Borrowed Trailer Liability
Borrowed Trailer Liability This question was answered based upon current rules, regulations & statutes in effect on January 6, 2020 QUESTION I have a questions regarding liability on a trailer. If I let my neighbor borrow my trailer and my neighbor is found at fault for an accident will their liability coverage on their…
Standard of Fault
Standard of Fault This question was answered based upon current rules, regulations & statutes in effect on January 8, 2020 QUESTION Quick question to see if you would possibly know the answer or have a person for me to contact. Child who is a passenger opens his door hitting a car, does parent get…
MOD Factor MAP
MOD Factor MAP This question was answered based upon current rules, regulations & statutes in effect on January 8, 2020 QUESTION Have you heard of any carriers in MA that are applying a mod factor to a MA Auto policy to charge more premium for a client that filed a not at fault accident? …
MA Arbitration
MA Arbitration This question was answered based upon current rules, regulations & statutes in effect on January 9, 2020 QUESTION I have a customer who is thinking about going to arbitration for a totaled car. I’ve never had a customer go through this. Could you explain the process? Thanks
Driving Records for a Fleet of Employees
Driving Records for a Fleet of Employees This question was answered based upon current rules, regulations & statutes in effect on January 2, 2020 QUESTION I have an agent that needs to get driving records for a fleet account with up to 45 employees. I suggested that they use the DVS Program and was…
Vehicle Appraisal Process
Vehicle Appraisal Process QUESTION This question was answered based upon current rules, regulations & statutes in effect on January 2, 2020 In MA, does an insurance company need to have vehicle damage reviewed by a licensed appraiser on their end, or can they work with a body shop that does the appraisal, then negotiate the…
New IRP Application and 2290 Requirement
New IRP Application and 2290 Requirement QUESTION This question was answered based upon current rules, regulations & statutes in effect on January 6, 2020
Green Plate
Green Plate QUESTION This question was answered based upon current rules, regulations & statutes in effect on July 26, 2019
2 Q’s on Trailers
2 Q’s on Trailers QUESTION This question was answered based upon current rules, regulations & statutes in effect on July 26, 2019
Change Address Leased Vehicle
Change Address Leased Vehicle QUESTION This question was answered based upon current rules, regulations & statutes in effect on July 26, 2019
Purple Heart Registration
Purple Heart Registration QUESTION This question was answered based upon current rules, regulations & statutes in effect on July 26, 2019
Surviving Spouse Transfers
Surviving Spouse Transfers QUESTION This question was answered based upon current rules, regulations & statutes in effect on July 24, 2019
New Auto Policy/Suspended License
New Auto Policy/Suspended License QUESTION This question was answered based upon current rules, regulations & statutes in effect on July 23, 2019 Quick Question: If someone has a suspended license can they register and insure a vehicle? I know that for insurance they would have to list a licensed driver but would the registry accept…
Umbrella Quoting with MVR Information
Umbrella Quoting with MVR Information QUESTION This question was answered based upon current rules, regulations & statutes in effect on April 22, 2019 I know this is an issue we have gone over a few times with you. In regards to quoting an umbrella we know we cannot provide MVR printouts. To obtain the quote…
Bus Conversion to Camper
Bus Conversion to Camper QUESTION This question was answered based upon current rules, regulations & statutes in effect on May 16, 2019 I cannot find the requirements needed to register a bus into a camper. I have had no luck finding that information.
What Type of Plate
What Type of Plate QUESTION This question was answered based upon current rules, regulations & statutes in effect on May 22, 2019 Good morning, If my insured puts a sign on her car will she need a commercial plate. I think yes but some of us think no since it is not on all the…
What is the Correct Plate Type
What is the Correct Plate Type QUESTION This question was answered based upon current rules, regulations & statutes in effect on May 09, 2019 If someone uses a vehicle in their business and they put signs on the vehicle do they need to get commercial plates? I currently have it listed as class 30 on…
Registration for 26,000 lb Truck and Permits
Registration for 26,000 lb Truck and Permits QUESTION This question was answered based upon current rules, regulations & statutes in effect on May 13, 2019 If we have a vehicle with a GVW of 26,000 lbs. and travels in more that one state can we register Commercial without having to get trip permits when it…
Summer/Winter Swap
Summer/Winter Swap QUESTION This question was answered based upon current rules, regulations & statutes in effect on May 13, 2019 Not sure if you can help me or someone else ? I tried finding this in the Registry but couldn’t find out the answer on What situations would you use the Summer/Winter swap box on…
Umbrella Quotes and MVRs
Umbrella Quotes and MVRs QUESTION This question was answered based upon current rules, regulations & statutes in effect on April 22, 2019 I know this is an issue we (at least EIG) has gone over a few times with you. In regards to quoting an umbrella we know we cannot provide MVR printouts. To obtain…
Personal Truck with Company Signage
Personal Truck with Company Signage QUESTION This question was answered based upon current rules, regulations & statutes in effect on April 25, 2019 Question: one of our insureds registered there truck in their personal name and wants to put their Company Name LLC on the truck can they do that? I have read all about…
Voluntary Surrender of License
Voluntary Surrender of License QUESTION This question was answered based upon current rules, regulations & statutes in effect on April 08, 2019 I have a client who no longer drives and is just going to let his license expire. I think he should turn it in and get a Mass ID- is there a form/procedure…
Unlicensed Operator
Unlicensed Operator QUESTION This question was answered based upon current rules, regulations & statutes in effect on April 08, 2019 One of our insured’s daughter had a friend drive who caused at huge at fault accident. Unbeknownst to the daughter, the friend does NOT have a license. He was arrested at the scene & the…
Surviving Spouse
Surviving Spouse QUESTION This question was answered based upon current rules, regulations & statutes in effect on April 08, 2019 I have a surviving spouse that is going to be transferring everything to his name with the surviving spouse affidavit. We have done the RMV-1 along with surviving spouse sheet and we have the death…
Out-of-State Dealers
Out-of-State Dealers QUESTION This question was answered based upon current rules, regulations & statutes in effect on April 08, 2019 I work at a CT agency and we write in MA and run into the issue where an insured is getting a vehicle from a non-drive dealership. I wanted to confirm if they e-mail or…
Out-of-State Violation Reporting
Out-of-State Violation Reporting QUESTION This question was answered based upon current rules, regulations & statutes in effect on March 29, 2019 We have a client who got into an accident while driving a friend’s car in California…will this be reported to Massachusetts for her driving record? What states are reciprocal to MA?
Surviving Spouse Process
Surviving Spouse Process QUESTION This question was answered based upon current rules, regulations & statutes in effect on March 29, 2019 Just a quick question. I have an insured coming in to pick up this form. His brother’s wife passed away. His brother is giving a vehicle which was in his late wife’s name to…
Garaging Change
Garaging Change QUESTION This question was answered based upon current rules, regulations & statutes in effect on March 12, 2019 We have a client who recently bought a new car, the car should have been garaged on Martha’s Vineyard. The dealership accidentally registered the car with garaging in Brookline. We have in our notes that…
USDOT Number
USDOT Number QUESTION This question was answered based upon current rules, regulations & statutes in effect on March 13, 2019 Regarding the new U.S. DOT number assignment for intrastate carriers – the regulation says every motor vehicle engage in intrastate “commerce”. Are contractors such as landscapers, plumbers, etc considered to be engaged in “commerce”? Thank…