As used in
211 CMR 94.00, the following
words will have the meanings indicated:
Applicant
means the named insured or
individual applying as the named insured, as that term is defined in a Motor
Vehicle Liability Policy.
Authorized Representative
means any
person or legal entity, other than the Applicant, authorized by an Insurer to
conduct pre-insurance inspections pursuant to
211 CMR 94.00 and may include
an employee of the Insurer, an insurance producer of the Insurer, or an
Inspection Service.
Book of Business
means all Motor
Vehicle Liability Policies written by one insurance producer with one
Insurer.
Certificate of Mailing
means a notice
by regular mail with a certificate of mailing endorsed by the United States
Postal Service.
Commissioner
means the Commissioner of
Insurance appointed under the provisions of M.G.L. c. 26, § 6, or his or
her designee.
Division
means the Division of
Insurance created pursuant to M.G.L. c. 26, § 1.
Existing Customer
means an Applicant
for a Motor Vehicle Liability Policy who has been insured for three years or
longer, without interruption, under a Motor Vehicle Liability Policy or
Policies which include(s) Physical Damage Coverage, issued by the Insurer to
which the Applicant's application is submitted.
Inspection Service
means any person or
legal entity, other than the Applicant, authorized by the Insurer to perform
inspections required by
211 CMR 94.00. In determining
whether to authorize an Inspection Service an Insurer may take into
consideration the Inspection Service's professionalism, efficiency and cost
effectiveness.
Insurer
means any insurance company
authorized to write Motor Vehicle Liability Policies in the
Commonwealth.
Motor Vehicle Liability Policy
means a
motor vehicle liability policy, including the coverage selections page and any
endorsements, or motor vehicle liability bond, as defined in M.G.L. c. 90,
§§ 34A, 34O, and M.G.L. c. 175.
Nonowned Motor Vehicle
means a Private
Passenger Motor Vehicle in the possession of the Applicant, or being operated
by the Applicant, which is neither owned by nor furnished for the regular use
of either the Applicant or any relative (as defined in a Motor Vehicle
Liability Policy), other than a Temporary Substitute Motor Vehicle, as defined
in 211 CMR 94.03.
Physical Damage Coverage
means the
optional coverages in a Motor Vehicle Liability Policy for collision or limited
collision and/or fire and theft or so-called comprehensive coverages, as
defined in M.G.L. c. 90, § 34O and M.G.L. c. 175, § 113O.
Private Passenger Motor Vehicle
means
any owned or leased four-wheeled motor vehicle including, but not limited to,
sedans, coupes, hatchbacks, station wagons, jeep-type vehicles, pick-up trucks,
panel trucks, delivery sedans and vans, except motor vehicles which have a
gross weight in excess of 10,000 pounds.
Temporary Substitute Motor Vehicle
means any Private Passenger Motor Vehicle not owned by the Applicant, which is
used by the Applicant, with the permission of the owner, as a temporary
substitute due to the breakdown, repair, servicing, loss or destruction of the
Applicant's own motor vehicle.
