211 CMR 94.07 - Deferral of Inspection Requirements
(1) An Insurer may defer an inspection for
ten calendar days (not including legal holidays and Sundays) following the
effective date of coverage or the date on which the Insurer or the insurance
producer of record issued notice to the Applicant that the Private Passenger
Motor Vehicle must be inspected, whichever is later, if an inspection at the
time of the request for coverage would create a serious inconvenience for the
Applicant .
(2) If the Insurer is
required, pursuant to M.G.L c. 175, § 113H, to provide Physical Damage
Coverage at the option of the Applicant , it shall provide immediate coverage
upon an Applicant 's request for such Physical Damage Coverage, and may defer
the inspection for ten calendar days (not including legal holidays and Sundays)
following the effective date of such coverage or the date on which the Insurer
or the insurance producer of record issued notice to the Applicant that the
Private Passenger Motor Vehicle must be inspected, whichever is
later.
(3)
(a) When an inspection is deferred pursuant
to 211 CMR 94.07(1) or (2), an Insurer or its insurance producer, shall either:
1. immediately obtain written acknowledgment
from the Applicant if the Applicant has applied for coverage in person;
or
2. immediately confirm Physical
Damage Coverage on the Private Passenger Motor Vehicle and issue a notice to
the Applicant , if the Applicant has applied for coverage either by mail, phone,
or internet.
(b) In
addition to the notice requirements of 211 CMR 94.07(3)(a), the Insurer , or its
insurance producer, shall furnish the Applicant , at the time Physical Damage
Coverage is effected, with a list of Inspection Services, including
location(s), at which the inspection can be conducted. The list of Inspection
Services may be provided to the Applicant in writing, through a toll free
number or by electronic access, as convenient for the Applicant . The Applicant
immediately shall be notified of the location of the Inspection Service(s), as
well as the consequences of the Applicant 's failure to obtain a timely
inspection of the motor vehicle. Documentation of such notice, including the
name of the person providing such notice to the Applicant , shall be contained
in the Applicant 's policy record.
(4) Insurance producers immediately shall
notify the Insurer that the Applicant has acknowledged or has been issued
notice that the Private Passenger Motor Vehicle must be inspected in accordance
with 211 CMR 94.07(3)(a). In the case of a so-called courtesy transfer, the
insurance producer confirming Physical Damage Coverage shall be responsible for
obtaining the Applicant 's acknowledgment pursuant to 211 CMR 94.07(3)(a)1.,
unless the application for Physical Damage coverage is submitted by a person
other than the Applicant . In such cases, the insurance producer of record shall
remain responsible for notification pursuant to 211 CMR 94.07(3)(a)2 and
94.07(3)(b). The insurance producer confirming coverage shall notify
immediately the insurance producer of record who then shall be responsible for
notifying the Insurer as required by 211 CMR 94.07(4).
(5) Any decision to defer or not to defer an
inspection pursuant to 211 CMR 94.07 shall be based on underwriting criteria
uniformly applied and shall be reasonable and supported by objective facts. The
decision to defer or not to defer an inspection shall not be based on the age,
race, sex, marital status, creed, national origin, religion, occupation,
income, education, credit information, or homeownership of the Applicant or the
customary operators of the motor vehicle, the principal place where the motor
vehicle is garaged, or the fact that the Motor Vehicle Liability Policy has
been issued through the residual market.
Notes
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