10/2/2016...10/2/2016 2 this program is designed to provide accurate and authoritative information...

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Commercial Auto: Policy Type, Registration and Compliance Issues

Presented by:

Donna M. McKenna

MAIA VP of Communications & Registry Liaison

October 29, 2016 – 12:45 - 1:45 PM

Please turn off cell phones.

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This program is designed to provide accurate and authoritative information in regard to the subject matter covered. It is provided with the understanding that the publisher is not engaged in rendering legal, accounting, or other professional service. If legal advice or other expert assistance is required, the services of a competent professional

person should be sought.

Registry Procedures in Commercial Lines

Commercial Motor Vehicle Definition

• There are both state and federal laws and regulations that define the term “commercial vehicle.” In addition, the insurance industry and the Registry of Motor Vehicles have their own rules and regulations that define commercial motor vehicles.

• This session will help you help your client determine which regulations apply to your client’s business operations.

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• The Federal Regulation:• The Federal Motor Carrier Safety Administration defines Commercial Motor

Vehicle (CMV) as follows:• Commercial Motor Vehicle means any self‐propelled or towed motor vehicle

used on a highway in interstate commerce to transport passengers or property when the vehicle –


• The Federal Regulation:1. Has a gross vehicle weight rating or gross combination weight rating,

or gross vehicle weight or gross combination weight, of 4,536 kg (10,001 pounds) or more, whichever is greater; or

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• The Federal Regulation:2. Is designed or used to transport more than 8 passengers (including the

driver) for compensation; or


• The Federal Regulation:3. Is designed or used to transport more than 15 passengers, including the

driver, and is not used to transport passengers for compensation; or


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• The Federal Regulation:4. Is used in transporting material found by the Secretary of

Transportation to be hazardous under 49 U.S.C. 5103 and transported in a quantity requiring placarding under regulations prescribed by the Secretary under 49 CFR, subtitle B, chapter I, subchapter C.


The Federal Regulation

• Commercial Motor Vehicle (CMV) Definition

• If your client has vehicles that meet the Commercial Motor Vehicle definition and are involved in Interstate Commerce: Trade, traffic, or transportation in the United States –

• Between a place in a state and a place outside of such state (including a place outside of the United States);

• Between two places in a state through another state or a place outside of the United States; or

• Between two places in a State as part of trade, traffic, or transportation originating or terminating outside the State or the United States;

• Your client must obtain a USDOT number.

Commercial Motor Vehicle Definition10

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• Commercial Motor Vehicle (CMV) Definition

• Determine FMCSA Registration Needs/Requirements

USDOT Number and Safety Permit Registration

Operating Authority (MC Number)


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• Who Needs a USDOT Number?• Companies that operate commercial vehicles transporting passengers or

hauling cargo in interstate commerce must be registered with the FMCSA and must have a USDOT Number. Also, commercial intrastate hazardous materials carriers who haul types and quantities requiring a safety permit must register for a USDOT Number.

• The USDOT Number serves as a unique identifier when collecting and monitoring a company's safety information acquired during audits, compliance reviews, crash investigations, and inspections.


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• Getting Authority to Operate (MC Number)In general, companies that do the following are required to have interstate Operating Authority (MC number) in addition to a DOT number:• Operate as for‐hire carriers (for a fee or other compensation)• Transport passengers in interstate commerce• Transport federally‐regulated commodities or arranging for their

transport, in interstate commerceFMCSA operating authority is often identified as an "MC," "FF," or "MX" number, depending on the type of authority that is granted. Unlike the USDOT Number application process, a company may need to obtain multiple operating authorities to support its planned business operations. Operating Authority dictates the type of operation a company may run and the cargo it may carry.


• Who Does Not Need Authority?All of this also dictates the level of insurance/financial responsibilities a company must maintain. Carriers not required to have operating authority include:• Private carriers (carriers that transport their own cargo)• “For-hire" carriers that exclusively haul exempt

commodities (cargo that is not federally regulated)• Carriers that operate exclusively within a federally

designated "commercial zone" that is exempt from interstate authority rules. A commercial zone is, for example, a geographic territory that includes multiple states bordering on a major metropolitan city, such as Virginia/Maryland/Washington, DC


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Overview• The Federal Motor Carrier Safety Administration (FMCSA) has

published a final rule that will combine various forms that carriers, freight forwarders and brokers currently use to register and update their information with the agency into a single, electronic “smart form.” The new Unified Registration System will increase efficiency by streamlining the registration process for industry and enabling FMCSA to maintain more accurate information on the entities it regulates.

• When URS implementation is complete, all new applications and updates to existing records will be handled through the new system.

Unified Registration System (URS)

What is the URS?• The Unified Registration System (URS) is a single online

registration system. URS replaces multiple forms and the registration functions of several systems – such as the Licensing and Insurance System (L&I) and Motor Carrier Management Information System (MCMIS) – that businesses use to register and update their information with the Federal Motor Carrier Safety Administration (FMCSA).

• The URS has NOTHING to do with the plates on the CMVs and EVERYTHING to do with the paperwork which must be filed with the Federal Motor Carrier Safety Administration.


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Why the URS?• URS helps raise the safety bar while improving efficiency through:

• Simplified processes and elimination of multiple forms.• Reduced paperwork and errors.• Electronic screening of all applications to identify high‐risk carriers,

including potential reincarnated carriers.To Whom Does URS Apply?• The URS rule applies to all interstate motor carriers (including private and

for‐hire passenger and property motor carriers), freight forwarders, brokers, intermodal equipment providers (IEPs), hazardous materials safety permit (HMSP) applicants/holders, and cargo tank manufacturing and repair facilities under FMCSA’s jurisdiction. Mexican‐domiciled carriers conducting long‐haul operations are exempt.


When does URS Take Effect?• URS is being implemented through April 2017. Key dates include:


URS KEY DATES

12/12/15 First‐time applicants must use URS

1/14/17 All applicants begin using URS for all registrations and changes, and changes take effect for USDOT numbers, the new fee schedule, evidence of financial responsibility and process agent designation

4/14/17 Enforcement begins for existing registrants for evidence of financial responsibility and process agent designation

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What’s the Cost?• After January 14, 2017


URS COSTS/FEES

FMCSA charges no fees for biennial updates of name/address/form of business changes

FMCSA charges $300 per registration type (including safety registration) for new applicants (including private motor carriers) and businesses whose USDOT Registrations (including safety and/or operating authority) have been revoked

A $300 fee will also be charged to businesses with existing registrations when they request an additional registration type

FMCSA charges an additional $10 reinstatement fee per request for suspended registrations

URS Rollout at a Glance

WHAT WHEN WHO

Use of the online registration application for first‐time applicants 12/12/15 First‐time applicants

Use of the online registration application for all reasons to file 1/14/17 New and existing entities

USDOT Number as sole identifier (discontinue issuing all other docket numbers – except distinct CT numbers for cargo tank facility registration)

1/14/17 New and existing entities

New Fee Schedule 1/14/17 New registrants and existing registered users requesting a new type of registration

Evidence of Financial Responsibility (Insurance Filings and Surety Bonds/Trust)

1/14/17 New Private HM and Exempt For‐Hire CarriersExisting Private HM and Exempt For‐Hire Carriers must provide but no enforcement until April 14, 2017

Process Agent Designation (BOC‐3) 1/14/17 New Private and Exempt For‐Hire CarriersAll Existing motor carriers, brokers and freight forwarders must provide,but no enforcement until April 14, 2017

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URS Rollout at a GlanceWHAT WHEN WHO

Evidence of Financial Responsibility (Insurance Filings and SuretyBonds/Trust)

4/14/17 Existing Private HM and Exempt For‐Hire Carriers must have on file

Process Agent Designation (BOC‐3) 4/14/17 Existing Motor Carriers, Freight Forwarders and Brokers must have on file

• Overview• In addition to filing an application for operating authority, all applicants for

motor carrier, forwarder, and broker authorities must have specific insurance and legal process agent documents on file before the FMCSA will issue the authorities. The required filings vary, based on the types of registrations involved. Following is a list of pre‐registration forms, followed by an explanation of which types of registrants are subject to filing those forms.

• Please note that first‐time applicants with FMCSA must apply using the Unified Registration System (URS) as of December 12, 2015. Existing registration‐ or authority‐holders may apply for authorities using the OP‐series forms until January 14, 2017.

FMCSA Insurance Requirements

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• Overview• Liability and cargo insurance forms must be submitted directly (online) by

the home office of the insurance company furnishing the coverage. The FMCSA does not furnish copies of insurance forms.


Form Description Authorities Subject to Filing

BMC-91 or BMC-91X Public liability insurance (bodily injury/property damage/environmentalrestoration)

• Motor Carrier• Freight Forwarder (Note:

Non-vehicle operating freight forwarders may seek waiver of this requirement)

• Freight:--$750,000 - $5,000,000, depending on commodities transported; $300,000 for non-hazardous freight moved only in vehicles weighing under 10,001 lbs.

• Passengers:--$5,000,000; $1,500,000 for registrants operating only vehicles with seating capacity of 15 or fewer passengers.

FMCSA Insurance RequirementsForm Description Authorities Subject to Filing

BMC-34 or BMC-83 • Cargo insurance -- $5,000per vehicle

• $10,000 per occurrence

• Household Goods Motor Carrier

• Household Goods Freight Forwarder

BMC-84 or BMC-85 • Surety Bond amount is $75,000

• Trust Fund Agreement amount is $75,000

• Freight Forwarder• Broker of Freight

BOC-3 Service of Process Agents All Authorities

MCS-90 Endorsement for Motor Carrier Policies of Insurance for Public Liability under Sections 29 and 30 of the Motor Carrier Act of 1980

Hazmat Safety Permit Carriers

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• How to File• Applicants should be prepared to contact their agents to request filing of the

required forms immediately after obtaining their designated docket number. These filings must be received within 90 days after the FMCSA has published public notice of intention to register the applicant. (Applicants will be notified by letter of their docket number and date of publication in the FMCSA Register.)

• Applicants are cautioned to ensure that the name and address of the business as set out in all pre‐registration filings match exactly the name and address provided in their application for operating authority filings. Any deviation will result in rejection of the supplemental pre‐registration filings.


• Where to File• Insurance companies (NOT insurance agents) that wish to file insurance

forms online need to set up a filer account with FMCSA. Please submit a request to the Insurance Team at mc‐[email protected] with the following information• Letter on the insurance company’s letterhead requesting a filer account• Home office address of the insurance company• Billing address, if that address is different from the home office• Name of a contact person with that insurance company• Contact person’s telephone and fax numbers• Billing contact person’s telephone and fax number if it is different than the home office

contact person• E‐mail address of the contact person if available• Preferred user name for the account (if any)• Copy of the insurance company’s state license• Subject line: "Insurance Filer Account Request"


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• Where to File• Insurance/process agent filings can also be mailed directly to:

FMCSAOffice of Registration and Safety Information, MC‐RS1200 New Jersey Avenue SE W63‐105Washington, DC 20590

• Checking StatusFMCSA's QCMobile app can be used to verify an entity's operating authority and USDOT number. The new app will provide the functionality previously provided by the automated phone system, plus access to USDOT number status information. Users of Apple or Android smartphones or tablets can download this app from the iTunes App Store (Apple) or the Google Play Store (Android) at no cost.


• The Federal Regulation:

• The definition for CMV which applies solely to CDL drivers is found in §382.107 and §383.5. It is used for Parts 382 and 383 which deal with the commercial driver's license (CDL) and alcohol and drug testing. This definition refers to a vehicle used in commerce, whether interstate or intrastate.

• The following definition is used when determining if operation requires a Commercial Driver's License (CDL) (Part 383); placement in a DOT drug and alcohol testing program (Parts 382 and 40); and specific training (Part 380):


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• The Federal Regulation:• 49 CFR 383.5

Commercial motor vehicle (CMV) means a motor vehicle or combination of motor vehicles used in commerce to transport passengers or property if the motor vehicle is a-(1) Combination Vehicle (Group A)-having a gross combination

weight rating or gross combination weight of 11,794 kilograms or more (26,001 pounds or more), whichever is greater, inclusive of a towed unit(s) with a gross vehicle weight rating or gross vehicle weight of more than 4,536 kilograms (10,000 pounds), whichever is greater; or

(2) Heavy Straight Vehicle (Group B)-having a gross vehicle weight rating or gross vehicle weight of 11,794 or more kilograms (26,001 pounds or more), whichever is greater; or


• The Federal Regulation:• 49 CFR 383.5

(3) Small Vehicle (Group C) –(i) that does not meet Group A or B requirements;(ii) Is designed to transport 16 or more passengers,

including the driver; or(iii) Is of any size and is used in the transportation of

hazardous materials as defined in this section.


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• The Federal Regulation:• A company pickup truck just might be defined as a commercial

motor vehicle (CMR) according to the FMCSRs. Your client may be thinking to himself, “But I’m not hauling cargo with the truck so it can’t be a commercial motor vehicle,” or “This truck is way too small.”


• In order to understand how and when some of your clients’ smaller vehicles suddenly become CMVs, consider the following:• Commerce involves anything that is the furtherance of business,

such as hauling supplies and tools to and from a worksite, dropping off workers, or just visiting a worksite during the course of business. If you are not hauling freight for someone else, you can still be considered a private (motor) carrier.

• The weight of the truck, load, and any trailer you may be transporting are included in the 10,001 pounds or greater definition of CMV found in §390.5. This includes the manufacturer's specifications of the truck by itself (i.e., Gross Vehicle Weight Rating (GVWR)) or with a trailer (i.e., Gross Combination Weight Rating (GCWR)).


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• If you exceed the manufacturer's weight specifications, and the actual weight of the vehicle and load, with or without a trailer, is 10,001 pounds or greater, this is considered a CMV based on Gross Vehicle Weight (GVW) or Gross Combination Weight (GCW).

• Any size vehicle is subject to the safety regulations if it is hauling placardable amounts of hazmat.


• Even if the trailer is only a small utility trailer, if it places you at the 10,001 pounds or greater, you are now operating a commercial motor vehicle. If the vehicle only meets the definition when pulling a trailer, you would only be concerned about observance of the safety regulations on those days it meets the definition. This includes USDOT markings on the side of the truck and properly secured cargo. The pickups may have to stop at roadside inspection stations also.


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• The RMV Commercial Plate Definition540 CMR 2.05Commercial Vehicle, in connection with registration requirements, is any motor vehicle which is not a private passenger motor vehicle, personal transportation network vehicle, antique motor car, motorcycle, trailer, semi-trailer, auto home, house trailer, taxicab, ambulance, hearse, livery vehicle, bus, school bus, or school pupil transport vehicle. The following are examples of commercial vehicles requiring commercial registration plates:


• The RMV Commercial Plate Definition(a) Any vehicle which has a vehicle weight, or curb weight,

of more than six thousand pounds, as per the manufacturer’s description of said vehicle, unless such vehicle is a sport utility vehicle or passenger van, or a pickup truck or cargo van meeting the definition of private passenger vehicle;

(b) Any vehicle which has five or more wheels on the ground;

(c) Any pickup truck or cargo van, owned by a partnership, trust or corporation unless such vehicle meets the definition of private passenger motor vehicle.


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• The RMV Commercial Plate Definition(d) Any pickup truck or cargo van, if on the bed of the vehicle

tools, supplies, materials or equipment are transported to or from a job site, or are stored for use at a job site; provided that transportation to or storage for use at a personal project for which no compensation is received shall not be considered in connection with the “job site”,

(e) Any vehicle, if on the roof or sides of the vehicle, tools, supplies, materials or equipment are transported to or from a job site, or are stored for use at a job site; provided that transportation to or storage for use at a personal project for which no compensation is received shall not be deemed in connection with a “job site”;


• The RMV Commercial Plate Definition(f) A vehicle which has business advertisements or business

markings thereon; provided however that markings limited to the name, address, telephone number, and logo of any corporation whose personal property is exempt from taxation under G.L. Chapter 59, §5, Clause Third or Tenth shall not be considered business advertisements or business markings for purposes of 540 CMR 2.05;

(g) A vehicle used for hire to plow;


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• The RMV Commercial Plate Definition(h) A vehicle used for hire to transport or store goods, wares

or merchandise, provided that if the vehicle is owned by an individual, has a maximum load carrying capacity of 1,000 pounds or less, and is so used on only a part-time basis, such vehicle shall not be deemed a commercial vehicle under 540 CMR 2.05(3)-commercial vehicle (h). “Part-time basis” shall mean that not more than 40% of the total usage of the vehicle is devoted to the transporting or storing of goods, wares or merchandise;


• The RMV Commercial Plate Definition(i) A vehicle used to transport or store goods, wares or

merchandise intended for sale in the ordinary course of the vehicle operator’s or owner’s business, provided that if the vehicle is owned by an individual, has a maximum load carrying capacity of 1,000 pounds or less, and is so used on only a part-time basis, such vehicle shall not be deemed a commercial vehicle under 540 CMR 2.05(3)-commercial vehicle (i). “Part-time basis” shall mean that not more than forty percent of the total usage of the vehicle is devoted to the transporting or storing of goods, wares or merchandise.


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• International Registration Plan “IRP”Apportionable Vehicle, is any motor vehicle which qualifies for registration under the International Registration Plan ["IRP"] authorized by M.G.L. c. 90, s.2, and which the Commonwealth joined effective January 1, 1994, as that Plan may be amended from time to time.

International Registration Plan (IRP)

• International Registration Plan “IRP”• What is the IRP?• The International Registration Plan (IRP) is a

registration reciprocity agreement among states of the United States, the District of Columbia and provinces of Canada providing for payment of apportionable fees on the basis of total distance operated in all jurisdictions. IRP is an optional program for licensing commercial vehicles traveling in two or more IRP jurisdictions. A jurisdiction may be a state or a Canadian province.Note: Massachusetts has license plate reciprocity with all IRP jurisdictions.


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• All member IRP jurisdictions are required to comply with the following three basic concepts of the Plan:

1. Issuance of an apportioned license plate.2. Issuance of a single registration or cab card.3. Allow intrastate and interstate movement.

• Under the IRP, an interstate carrier files an application with the jurisdiction in which he/she is based. That jurisdiction is known as the base jurisdiction. The IRP agreement allows the base jurisdiction to collect the registration fees for the other IRP jurisdictions. These fees are based upon mileage and weight information submitted by the carrier.


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• The base jurisdiction issues a set of apportioned plates and cab card for each vehicle. The set of apportioned plates and cab card are the only license plate credentials necessary to operate a vehicle in member IRP jurisdictions. The cab card lists all the IRP jurisdictions and corresponding weights.


• An IRP Apportioned Registration Does NOT:• Exempt a carrier from the payment of motor fuel taxes in any state.• Exempt a carrier from obtaining operating authority from a state where

the apportioned vehicle operates.• Exempt a carrier from the payment of Federal Heavy Vehicle Use Tax

(IRS Form No. 2290).• Permit a carrier to exceed maximum height, length, width, and axle

limitations.• Permit the violation of “bridge laws.”


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• New IRP Full Reciprocity Plan

• Per the International Registration Plan (IRP), Massachusetts implemented the Full Reciprocity Plan (FRP) on January 1, 2015. FRP changes the Plan to make it more efficient, equitable and flexible for it’s member jurisdictions and registrants by granting full reciprocity for all apportioned vehicles in all member IRP jurisdictions and removing from the Plan any provisions related to estimated distance. In short, all jurisdictions will appear on a vehicle CAB Card. For additional information on IRP you may visit the IRP website at www.irponline.org


• How Fees are DeterminedNote: The Processing Center cannot determine your registration fees until your completed application has been received and it has been processed.The cost of your apportioned registration will depend upon the percentage of miles traveled in each IRP jurisdiction as well as the registered combined gross weight of the vehicle. The following is a simplified example of how the registration fee for a vehicle based in Massachusetts might be apportioned. The operator of this unit travels in Massachusetts, New York, Vermont, and Maine. He travels 25,000 miles in each state for a grand total of 100,000 miles at year end. The operator has a registered combined gross weight of 80,000 pounds in each state. The license fee would be computed as follows:


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• How Fees are Determined

• In this example, Massachusetts would collect a total of $1477 from the carrier. Of this total, Massachusetts would keep only $400.00. The remaining money would be sent to the other states.

• NOTE: This is just an example. Rounded numbers are not allowed.


• Who Should Obtain IRP Registration?You may proportionally register your vehicle(s) if you travel in Massachusetts and at least one other IRP jurisdiction and the vehicle is used, maintained, or designed primarily for the transportation of property, or used for the transportation of persons for hire, and is a power unit:

• With a gross weight in excess of 26,000 pounds; or• With three or more axles regardless of weight; or• That hauls another unit and the weight of such combination exceeds

26,000 poundsNote: If you choose not to obtain IRP credentials and your vehicle(s) meets or exceed the criteria above, you will have to secure trip permits for each vehicle in other IRP jurisdictions that you enter.


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• Other Vehicles That Should Be ApportionedVehicles used for the transportation of persons for hire (i.e., buses, livery vehicles, etc.) Vehicles, or combination thereof, having a gross vehicle weight of 26,000 pounds or less and two‐axle vehicles and buses/livery vehicles used in transportation of chartered parties may be registered with apportioned plates at the option of the registrant.


• IRP Exempt Vehicles• The following types of vehicles are exempt from IRP:• Government‐owned vehicles• Vehicles displaying a restricted plate ‐ Dealer, Repair, Transporter, Farm,

Owner Contractor• City pick‐up and delivery vehicles• Recreational vehicles


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• NEW! Bus Companies Operating Charter Trips Into Other Jurisdictions• The International Registration Plan has been amended to remove the

exemption for buses used in the transportation of chartered parties. Previously, registration for chartered buses in the Plan had been optional.

• Beginning on January 1, 2016, all charter buses engaging in interstate commerce are required to obtain an apportioned registration or a trip permit.


• NEW! Bus Companies Operating Charter Trips Into Other Jurisdictions• A “Chartered Party” is defined by the IRP as “a group of persons who,

pursuant to a common purpose and under a single contract, have acquired the exclusive use of a passenger‐carrying Motor Vehicle to travel together as a group to a specified destination or for a particular itinerary, either agreed upon in advance or modified by the group after leaving the place of origin. This term includes services rendered to a number of passengers that a passenger carrier or its agent has assembled into a travel group through sales of a ticket to each individual passenger from one or more points of origin to a single advertised destination.”


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• Applications for Apportioned registrations can be processed at the IRP Processing Centers located in Quincy, Milford, Lawrence or Springfield.

• Mass DOT – RMV Division, IRP Section

25 Newport Avenue Extension, Quincy, MA 02171 Office Location: 4th Floor Hours: Monday – Friday – 9:00 AM to 4:00 PMTelephone: 857‐368‐8120 ‐ Fax Number: 857‐368‐0824To process IRP Mail, send applications ONLY to the Quincy Location.

• Lawrence Branch Office73 Winthrop Street, Lawrence, MA 01843 Hours: Monday, Tuesday, Wednesday & Friday ‐ 9:00 AM to 4:00 PMThursday – 10:00 AM to 5:00 PM


• Milford Branch Office14 Beach Street, Milford, MA 01757 Hours: Monday, Tuesday, Wednesday & Friday ‐ 9:00 AM to 4:00 PMThursday – 10:00 AM to 5:00 PM

• Springfield Branch Office165 Liberty Street, Springfield, MA 01103 Hours: Monday, Tuesday, Wednesday & Friday ‐ 9:00 AM to 4:00 PMThursday 10:00AM to 5:00 PM


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• Application Materials and other Required Documentation Applications for Apportioned registrations can be processed at the IRP Processing Centers located in Milford, Lawrence, Springfield or Quincy.

• All necessary forms and applications can be obtained from our website at http://www.massrmv.com/rmv/forms/registration.htm, by calling 857‐368‐8120 or by visiting an IRP Processing Center. It is your responsibility to properly complete all forms necessary to register your vehicle(s) under the IRP. If required information is missing from applications it will delay the timely processing of your application. Applications are processed in the order in which they are received. Walk‐in or express‐mail applications do not receive priority processing.


• New IRP Accounts/First Time IRP Registrations To obtain an IRP registration in Massachusetts for the first time, the registrant must: • Show proof of an established place of business located in Massachusetts

(Acceptable documents listed below) • Have a VALID US DOT number • Complete and submit a Massachusetts IRP application • Complete and submit the RMV‐1 form and

• for new vehicles, submit a Certificate of Origin signed over to the new owner

• or for used vehicles, submit the previous title signed over to the new owner


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• Provide the MCRS USDOT and TIN for each vehicle. If the MCRS is different from the vehicle owner, or the account holder, the applicant must provide a lease agreement or notarized statement which authorizes the use of the USDOT number. The following information must be included on the lease agreement or notarized statement: • USDOT number • Tax Identification Number (FEIN or SSN) • name of the company authorizing the use of their USDOT number • name of the individual/company that has permission to use that USDOT number • The documents can not have been altered, and the original must be presented

when opening a new account and at each renewal


• RMV‐1 forms must be stamped by an insurance company licensed to do business in Massachusetts (stamp must be less than 30 days) • Provide proof of Power of Attorney

• for leased vehicles • for a person signing the application who is not the registered owner

• Pay invoice in full


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Insurance Policy Eligibility

• AIB/CAR Commercial Policy EligibilityRule 51. This section applies to all trucks, including pickup, panel and van types, truck-tractors, trailers and semi-trailers except for the following:1. Autos used for public transportation. Refer to the public

transportation section2. Autos leased or rented to others by leasing or rental

concerns. Refer to the leasing or rental concerns rule in the Special Types and Operations Section.

• AIB/CAR Commercial Policy Eligibility3. Individually owned pickups, panel trucks or vans that are

owned or leased under a contract for at least twelve months and that have a gross vehicle weight of 10,000 pounds or less and not used for the delivery or transportation of goods or materials unless such use is incidental to the insured’s business of installing, maintaining or repairing furnishings or equipment.


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• AIB/CAR Commercial Policy Eligibility4. Self-propelled vehicles with the following types of permanently

attached equipment. Refer to Rule 125—Special Mobile Equipment in Section VII—Special Types and Operations of this Manual.

a. Equipment designed primarily for:(1) Snow removal(2) Road maintenance, but not construction or resurfacing;(3) Street cleaning;

b. Cherry pickers and similar devices mounted on automobile or truck chassis and used to raise or lower workers.

c. Air compressors, pumps and generators, including spraying, welding, building cleaning, geophysical exploration, lighting and well servicing equipment.


• So, from an insurance perspective, a commercial vehicle is anything that ISN’T a private passenger auto.

• This section of the Commercial Policy Eligibility tells us we must first determine if a vehicle meets the private passenger definition.

• Note: Any vehicle owned by a legal business entity(corporation, partnership, commercial trust) must be insured on a Business Auto Policy.


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• Private Passenger Policy Eligibility (MAIP Version):Rule 27. Private Passenger DefinitionA private passenger automobile for insurance purposes is:

A. A motor vehicle of the private passenger or station wagon type that is owned or leased under contract for a continuous period of at least twelve months by one or more individuals, excluding (1) partnerships, (2) corporations, (3) unincorporated business associations, and (4) other legal business entities with a federal employer identification number, and is not used as a public or livery conveyance nor rented to others.

A vehicle which meets the conditions of Rule 31, regarding the transportation of fellow employees, students or others for consideration, is included in this definition, provided such vehicle is not registered for carrying passengers for hire.


• Private Passenger Policy Eligibility (MAIP Version):A private passenger automobile for insurance purposes is:

B. A motor vehicle that is a pick-up or van, that is owned or leased under contract for a continuous period of at least 12 months by one or more individuals excluding (1) partnerships, (2) corporations, (3) unincorporated business associations, and (4) other legal business entities with a federal employer identification number, and1. has a gross vehicle weight rating of less than 10,000 pounds

or has a vehicle rating group assigned to it by the Automobile Insurers Bureau of MA (AIB), and

2. is not used for the delivery or transportation of goods or materials unless such use is incidental to the insured’s business of installing, maintaining or repairing furnishings or equipment.


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C. Gross Vehicle Weight Rating means the value specified by the manufacturer as the loaded weight of a single vehicle.

D. An eligible vehicle under this rule whose title has been transferred to a trust may be insured under a policy issued by assignment through the MAIP, subject to the following requirements: The grantor of the trust must be an individual or lawfully married individuals residing in the same household, and must be the only insured(s) named in Item 1 of the Coverage Selections Page. All vehicle(s) insured under the policy must be owned by the trust. A vehicle owned by a trust in which the grantor is a partnership or corporation must be written under a commercial auto policy.



If a motor vehicle is leased as described in the foregoingparagraphs, and the lessee is obtaining the insurance, the policy must be issued to the lessee as named insured and Endorsement M-0070-S, “Coverage For Anyone Renting An Auto To You,” must be attached to the policy.


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• Under managed competition, companies are permitted to file their own rules and rates. The following companies have filed their own MAP policy eligibility requirements. They include: AIG, Bankers Standard, Esurance, GEICO, IDS Property, LM General Insurance Company, Occidental, Progressive and Privilege Underwriters Reciprocal Exchange (PURE).


Safety Inspection

• Commercial Vehicle Inspection Regulation:Several years ago, Massachusetts implemented a new inspection program for commercial vehicles, trailers and converter dollies. It is the equivalent of the annual Federal Motor Carrier Safety Administration (FMCSA) “DOT” inspection, but it will be required of all vehicles classified as “commercial motor vehicles” under the MA inspection regulation.

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• Commercial Vehicle Inspection Regulation:Commercial Motor Vehicle shall mean any motor vehicle which is not a private passenger motor vehicle, antique motor car, motorcycle, auto home, house trailer, taxicab, ambulance, hearse, livery vehicle, or school pupil transport vehicle. A commercial motor vehicle shall include the following vehicles:a. The vehicle has a gross vehicle weight rating or gross

combination weight rating of 10,001 or more pounds; orb. The vehicle is designed to transport more than 15

passengers, including the driver; or

Safety Inspection

• Commercial Vehicle Inspection Regulation:c. The vehicle is used in the transportation of hazardous

materials in a quantity requiring placarding in accordance with the Hazardous Materials Regulations of the United States Department of Transportation. Any commercial motor vehicle that singularly has a gross vehicle weight rating of 10,001 pounds or less and is designed to meet emissions standards, shall be submitted for an emissions inspection in addition to all applicable safety inspection requirements; or

d. A single, full or semi‐trailer, used in commerce, with a manufacturer's gross vehicle weight rating over 3,000 lbs; or

Safety Inspection

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• Commercial Vehicle Inspection Regulation:e. Any vehicle which has a vehicle weight, or curb weight, of

more than six thousand pounds, as per the manufacturer's description of said vehicle, unless such vehicle is a sport utility vehicle or passenger van, or a pickup truck or cargo van meeting the definition of private passenger vehicle; or

f. Any vehicle which has five or more wheels on the ground

Safety Inspection

• Commercial Vehicle Inspection Regulation:• The following explains the various inspection station classes and

the vehicles those stations will inspect: Station Class License types indicate what type of vehicle the station can inspect. Be sure and check to make sure the inspection station you choose is equipped to inspect your type of vehicle.

• Class A. Conducts non-commercial light duty gas and diesel inspections of vehicles 10,000 lbs (GVWR) or less.

• Class B. Conducts commercial and non-commercial light and medium duty gas and diesel inspections of vehicles 26,000 lbs. (GVWR) or less, including light-duty pole or pull trailers only.

Safety Inspection

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• Commercial Vehicle Inspection Regulation:• Class C. Conducts all commercial medium and heavy duty

inspections of vehicles over 10,000 lbs. (GVWR), including all trailers, semi-trailers and converter dollies.

• Class D. Conducts all commercial and non-commercial light, medium and heavy duty inspections of all vehicles including all trailers, semi-trailers and converter dollies.

• Class E. Conducts heavy duty commercial inspection of vehicles over 26,000 lbs. (GVWR), including all trailers, semi-trailers and converter dollies.

• Class F. Conducts mobile inspections for commercial vehicles of all fuel types and weights, including all trailers, semi-trailers and converter dollies, owned or leased by a fleet.

Safety Inspection

• Commercial Vehicle Inspection Regulation:

• Fees:Non-Commercial Inspection $35.00Commercial Inspection $35.00

plus the market hourly shop rate charged by the station for the time spent performing the inspection

Safety Inspection

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Safety InspectionPlate Type Safety <=10,000 GVWR Safety >10,000GVWR

AHN –Auto Home/Camper Non‐Commercial Non‐Commercial

AHR –Auto Home/Camper Non‐Commercial Non‐Commercial

AHV –Auto Home/Camper Non‐Commercial Non‐Commercial

APN –Apportioned/IRP Commercial Commercial

APR –Apportioned/IRP Commercial Commercial

AMN –Ambulance Non‐Commercial Non‐Commercial

AMR –Ambulance Non‐Commercial Non‐Commercial

ARN –Transit Authority1 Non‐Commercial Commercial

AXN –Transit Authority Motorcycle (Authority) N/A

BDN – Boat Dealer >3,000 lbs. GVWR, Commercial Inspection>10,000 lbs. GCVWR, Commercial Inspection

>3,000 lbs. GVWR, Commercial Inspection>10,000 lbs. GCVWR, Commercial Inspection

BUN – Bus Commercial Commercial

BUR – Bus Commercial Commercial

BUV – Bus Commercial Commercial

1If the vehicle type is trailer, and GVWR is <=3,000 lbs., trailer exempt from inspection. If >3,000 lbs. GVWR, Commercial inspection


CON –Commercial Non‐Commercial2 Commercial

COR –Commercial Non‐Commercial2 Commercial

COV –Commercial Non‐Commercial2 Commercial

FAN – Farm Non‐Commercial2 Commercial

LVN – Livery Non‐Commercial Non‐Commercial

LVR – Livery Non‐Commercial Non‐Commercial

LVV – Livery Non‐Commercial Non‐Commercial

MCN –Motorcycle Motorcycle N/A

MCR –Motorcycle Motorcycle N/A

MVN –Municipal1 Non‐Commercial Commercial

MXN ‐Municipal1 Motorcycle N/A

OCN –Owner‐Contractor Non‐Commercial1 Commercial

1 If the vehicle type is trailer, and GVWR is <=3,000 lbs., trailer exempt from inspection. If >3,000 lbs. GVWR, Commercial inspection2 If a placarded vehicle, Commercial inspection. If GCVWR will exceed 10,000 lbs., Commercial inspection3 If body type is pickup, SUV, or van, non‐commercial inspection

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PAN – Passenger Non‐Commercial Commercial3

PAR – Passenger Non‐Commercial Commercial3

PAS – Passenger Non‐Commercial Commercial3

PAV ‐ Passenger Non‐Commercial Commercial3

PAY –Year of Manufacture Non‐Commercial Commercial3

RPN – Repair Non‐Commercial2 Commercial

RPV – Repair Non‐Commercial2 Commercial

SBN – School Bus Commercial Commercial

SBR – School Bus Commercial Commercial

SM – Semi‐Trailer Commercial Commercial

SMR – Semi‐Trailer Commercial Commercial

SPN – School Pupil Non‐Commercial Non‐Commercial



STN1 – State Non‐Commercial Commercial

SXN – State Motorcycle (State) N/A

TAN –Taxi Non‐Commercial Non‐Commercial

TAR –Taxi Non‐Commercial Non‐Commercial

TPN ‐Transporter >3,000 lbs. GVWR, Commercial Inspection>10,000 lbs. GCVWR, Commercial Inspection


TRN –Trailer >3,000 lbs. GVWR, Commercial Inspection>10,000 lbs. GCVWR, Commercial Inspection


TRR –Trailer >3,000 lbs. GVWR, Commercial Inspection>10,000 lbs. GCVWR, Commercial Inspection


VPN –Vanpool Non‐Commercial Non‐Commercial


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Case Studies

1. Question …I have an insured who is a plumber. He recently traded in his Ford cargo van for a Chevy Cutaway Van. The cutaway van is under 10,000 pounds and is individually owned. But, my insured is my neighbor, and no way is it personal lines. I submitted it to my commercial CAR carrier, and they sent it back saying it was under 10,000 pounds and individually owned. Then, I sent it to MAIP carrier, and they sent it back, too. I already stamped it up with my commercial carrier’s stamp, and the vehicle is registered. Here is a picture of the vehicle. What do I do?

1. Answer …You’re right. No way is this personal lines. While I realize that GM refers to it as a (Cutaway) Van, the only remnants of a van are the cab and the chassis. Once a van has been substantially changed, it is no longer considered a van. The same is true of a truck. If you had a pickup truck which you had retrofitted with a dump body or a wrecker body, it is no longer a pickup truck and no longer eligible for a personal auto policy.

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1. Answer …So, as far as this vehicle is concerned:

A. It is NOT a commercial motor vehicle under the provisions of the Federal Motor Carrier Safety Regulations – because it has a GVWR of 10,000 pounds or less.

B. It IS a commercial motor vehicle under the Registry of Motor Vehicles plate definitions because it is:

(b) Any vehicle which has five or more wheels on the ground; and

Case Studies

1. Answer …

(h) A vehicle used to transport or store goods, wares or merchandise intended for sale in the ordinary course of the vehicle operator’s or owner’s business, provided that if the vehicle is owned by an individual, has a maximum load carrying capacity of 1,000 pounds or less, and is so used on only a part-time basis, such vehicle shall not be deemed a commercial vehicle under this paragraph (h). “Part-time basis” shall mean that not more than forty percent of the total usage of the vehicle is devoted to the transporting or storing of good, wares or merchandise; and

It is NOT eligible for a personal auto policy because it is NOT a van. It IS a commercial vehicle and must be insured as such.

Case Studies

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1. Answer …I also feel that I must say that your commercial carrier should NOT have just returned the application and deposit. For the company to say that the law gives them the right to refuse to issue a policy in certain circumstances is ridiculous. You ARE the company by virtue of your contract to write insurance for them. You have binding authority, and you DID write the policy. Whether you were right or wrong in taking the application and stamping the registration is NOT the issue. The issue is that you bound the company in good faith, and the company has no choice but to issue legal notice of cancellation. And YOU were right!

Case Studies

2. Question …One of our insureds, who is a landscaper driving a truck with a GVWR over 10,000 pounds, has been stopped and ticketed. It appears that if a vehicle is over this weight that there are DOT and signage regulations with which he must comply. Also, we have noticed several dealers completing the GVWR on the RMV-1 as 10,000 pounds, yet the actual Certificate of Origin indicates 11,200 pounds. Do you know of these regulations? How can we obtain a copy? Please advise.

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2. Answer …The Federal Motor Carrier Safety Act (FMCSA) requires that any vehicle over 10,000 pounds GVWR involved in interstate commerce is a “commercial vehicle.” Some of the provisions of the FMCSA require DOT numbers, signage, a commercial driver’s license (CDL), medical cards, random alcohol and substance testing, etc. depending on vehicle size, weight and usage. Unless you want to become an “expert” on the regulations, I would suggest that you not try to advise your client on these issues, since fines for non-compliance are HUGE. You might want to suggest that your client consult a specialist on compliance.

Case Studies

2. Answer …There are two such companies that I know of in Massachusetts: Fleet Safety Services, Inc. http://fleet-safety.com12 Harvard Street - Worcester, MA 01609Phone: 800-215-2490Fax: 508-831-7611

The Transportation Advisor, Inc.http://transportationadvisor.comP.O. Box 558 - Palmer MA 01069Local: 413-283-8385Toll Free: 800-608-8890

Case Studies

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2. Answer …That said, it looks like:

A. If these landscapers are operating in Massachusetts as well as any other state, it IS a commercial motor vehicle under the provisions of the Federal Motor Carrier Safety Regulations – because it has a GVWR of more than 10,000 pounds. This means that the vehicles must have DOT numbers, vehicle markings, and medical cards for all drivers – at the very least! In addition:

Case Studies

2. Answer …1. a CDL license and random alcohol and substance

testing COULD be required if the landscaper is carrying any hazardous materials or substances; and

2. Driver logs COULD be required if the driver is traveling over a one (49 CFR 395) hundred (100) air mile radius from his/her base of operation crossing state lines.

You may find the Commercial Motor Vehicle chart available at http://www.massagent.com/info/mcchart2014.pdf helpful. It highlights the various compliance issues for vehicles with a GVWR of 10,001 pounds to 26,000 pounds and for vehicles weighing over 26,000 pounds.

Case Studies

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2. Answer …It’s also important to note that Massachusetts has adopted the Federal Motor Carrier Safety Regulations.

• Code of Massachusetts Regulations-540 CMR Registry of Motor Vehicles14.00: Motor Safety and Hazardous Material Transportation

• 14.01: Purpose540 CMR 14.00 is adopted by the Registrar of Motor Vehicles pursuant to M.G.L. c. 90, s. 31, to establish rules and regulations governing the use and operation of certain motor vehicles, trailers and commercial motor vehicles, and motor carrier safety and the transportation of hazardous materials by motor carriers in both intrastate and interstate commerce upon the public ways of the Commonwealth of Massachusetts.

Case Studies

2. Answer …540 CMR 14.00 is adopted to reduce the number and severity of accidents and hazardous materials incidents involving commercial vehicles, consistent with the Federal Motor Carrier Safety Regulations and the Federal Hazardous Materials Regulations issued by the United States Department of Transportation.

• So … Most of the Federal Motor Carrier Safety Regulations also apply to commercial vehicles involved in intrastate commerce.

Case Studies

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2. Answer …One last thing … the dealer may think he is doing your client a favor by “fibbing” on the GVWR of the vehicle. I assure you that it’s NO favor. Since MA has adopted the Federal Motor Carrier Safety Regulations as its own, any vehicle with commercial plates would be subject to the periodic “weigh stations” set up on some of our highways.

He would be “bagged big-time” for not having the vehicle registered for the GVWR of the manufacturer and not complying with 540 CMR 14.00. And, if he’s involved in interstate commerce with that vehicle, he’d find out VERY quickly that the federal inspectors have NO sense of humor!

Case Studies

3. Question …My client came into the office to let us know that he will be driving for Uber. We insure him in personal lines. He wants to know if his policy will cover him while he has the Uber app open and when he is giving someone a ride through the Uber app.

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3. Answer …The MA Personal Auto Policy does NOT cover your insureds when they are using their vehicle as a Transportation Network Vehicle because the vehicle is being used as a “public or livery conveyance.” Currently, the only coverage option for Transportation Network Company Drivers is the Taxi/Limo/Car Service program through CAR which requires vehicles to have a taxi or livery plate. As far as the proper type of registration is concerned, a regulatory change occurred on 1/2/15 permitting TNC Drivers to have passenger plates which makes TNC vehicles ineligible for the Taxi/Limo/Car Service program. The Ride-Sharing Chart in the appendix may be helpful.

Case Studies

3. Answer …Private Passenger Motor Vehicle, is any vehicle: (a) which has a vehicle weight rating or curb weight of 6,000 lbs. or less as per manufacturer's description of said vehicle or is a sport utility vehicle or passenger van; or which is a pickup truck or cargo van of the ½ TON, ¾ TON or one TON class as per manufacturer's description of said vehicle; or which is a vehicle used solely for official business by any college or university police department whose officers are appointed as special police officers by the colonel of the state police under M.G.L. c. 22C, § 63; and, (b) which, if a pickup truck or cargo van, is registered or leased to an individual, and is used exclusively for personal, recreational, or commuting purposes; and, (c) which, other than a Personal Transportation Network Vehicle, is not described in elsewhere in 540 CMR 2.05.

96

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4. Question/Answer …Your customer purchased a new crew cab pickup truck to tow a horse trailer to take his daughter’s horse to dressage events. The truck has dual rear wheels and a GVWR of 10,600 lbs. The pickup truck has symbol 18 assigned to it. What does he need? a. He needs a personal policy and personal plates.b. He needs a personal policy and commercial plates.c. He needs a commercial policy and commercial plates.BUT … because the truck is over 10,000 lbs., it also needs a commercial vehicle inspection at a cost of $35 plus the standard shop rate for the time it takes to conduct the inspection!

Case Studies

5. Question …Our insured, a sole proprietor, wants to register a new van. She is a florist who does delivery. Her other vehicles were always registered under her personal name –commercial plates & commercial policy. The Dealer told her she can’t do that anymore. Do you know if she can still register under her name? It’s advantageous for her to continue to do so, as the dump in her home town requires her registration to be in her personal name in order to get a dump sticker. We haven’t run into issues, so far, sending RMV-1s to the Registry for Comm. Plates w/sole proprietor’s name listed as the owner.

Case Studies

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5. Answer …I have no clue what the dealer is talking about. There is nothing that would prohibit her from registering the van in her personal name with commercial plates and a commercial policy (since it would not qualify for a personal policy since the delivery is NOT incidental to her occupation of installing, maintaining or repairing furnishing or equipment – flowers are not furnishings or equipment). The RMV will not allow a vehicle to be registered in a dba name, so there is no choice but to put it in her individual name.

Case Studies

5. Answer …A sole proprietor is an individual who owns an unincorporated business. Unlike an incorporated company, a sole proprietor is not required to register with the Secretary of the Commonwealth.Characteristics • A sole proprietor may or may not have a Federal Identification

Number (FID). • The unincorporated business name used by a sole proprietor is

referred to as “Doing Business As” (DBA), or trade name. • If a sole proprietor has an FID number, he or she may choose to

register a vehicle under that FID, or he/she may decide to simply register the vehicle as any ordinary individual would – under his/her name and license number.

Case Studies

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5. Answer …• Note: Since a DBA is not an incorporated business entity,

vehicles cannot be registered or titled under the DBA business name. Instead, vehicles must be owned and registered under the sole proprietor’s (i.e. the individual’s) name using the FID number.

• Required Documentation for Registration and/or Titling • As part of the Registration Residency Requirement for

individuals, a sole proprietor who is registering a vehicle with an FID number must provide his/her SSN on the application.

Case Studies

5. Answer …• If Customer has a FID Number and SSN the following

documents are required: • Title or MCO, and supporting documentation, signed over to

the individual • RMV-1 that lists the individual owner name on

Corp/Co/Organization Name block and the FID number in the EIN/FID # block

• The SSN must be listed in the Owner License #/ID#/or SSN • Proof of FID which agrees with the paperwork, if the Sole

proprietor has not previously been entered

Case Studies

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5. Answer …• If Customer does not have a FID Number the following documents are

required: • Title or MCO, and supporting documentation, signed over to the individual • RMV-1 must list the individual owner name on the Owner 1 name block and the

driver license number in the Owner 1 License field • RMV Use: When adding an FID to ALARS (on the RNM screen) for the first

time for a sole proprietor, the SSN must also be added. If the sole proprietor cannot provide an SSN, the transaction cannot be processed as a sole proprietor transaction and instead, the customer will need to register the vehicle as an individual and meet the residency requirement for individuals.

Case Studies

6. Question …I have a client who is forming a corporation and would like to transfer the vehicles he owns personally and uses in his business (a dba). What does he need to do?

Case Studies

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6. Answer …In order to register the vehicle in the name of the new corporation, the corporation must be registered with the Massachusetts Secretary of the Commonwealth. In addition, the following materials are required:a. Title or MCO and supporting documentation signed over

to the new corporationb. RMV-1 that lists the corporation’s name on the

Corp/Co/Organization Name block and the corporation’s FID number in the EIN/FID # block

c. Proof of FID number

Case Studies

6. Answer …• Documents that Prove FID: Any IRS-created form or correspondence

that includes• Company Name, Address and FID/EIN Number

• Commonly Accepted Proof of FID Documents:• Federal Tax Deposit Coupon - Form 8109 • Form 147C • Notice of New Employer ID Number Assigned - Form 5372 • CP 575 Notice (issued by the IRS). This is a letter sent to

customers to confirm issuance of a FID number. • Any other IRS form or letter that has the customer’s information

printed by the IRS, not by the customer, and that includes company name, address, and FID/EIN number

• Certificate of Exemption - Form ST-2 (issued by DOR)

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Case Studies

6. Answer …Before you can actually go to the branch to register the vehicle, you must fax the Articles of Incorporation and one of the acceptable forms to the RMV’s FID Department at 857.368.0819 in order to get the new corporation added to ALARS. You can search the URN (Registration Scroll Screen) to be sure the corporation has been added. If not, you can follow up with the FID Department by calling 857.368.7026. In order for the transaction to be tax-exempt, your client must make the change within 90 days of the formation of the new corporation using the MVU-25 form.

Case Studies

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6. Answer …The RMV recently released a new FID User Guide to help businesses determine their registration options. The guide gives the characteristics, required documentation for registration and titling, procedures for changing an address and proof of FID for sole proprietorships, general partnerships, incorporated companies, trusts and foreign corporations. Here is a link to the FID User Guide:

http://www.massagent.com/info/fiduserguide.pdf

Case Studies

7. Question …A. If a client has a bobcat skid steer at a store parking lot for plowing that is not registered and he hits a parked car or person or building, it is covered under the general liability policy correct? The registry said he couldn’t register it because it doesn’t have a steering wheel so it can’t be added to an auto policy so it would just be general liability right?

Case Studies

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7. Question …B. He also has a backhoe at another parking lot location for plowing that he is going to register but he bought it at an auction in NH and it doesn’t have a title or anything it is 15,000 lbs. So he contacted the owner of the backhoe and that person never titled it or registered it either but does have the certificate of origin from when he bought it. So our client said his lawyer said if he had the certificate of origin from the original owner and a bill of sale he could register it. Is this correct? Second part of this question is while he is using it in the store parking lot to plow if he hits a vehicle or building or person is that liability covered under his general liability policy? Or does he have to have it registered and the liability for one of those type losses be automobile?

Case Studies

7. Question …C. He also bought a 24,000 lb. flatbed trailer at an auction in NH and it didn’t have a title or anything just a bill of sale, so of course the registry wouldn’t register it. The registry said he had to bring the trailer back to the auction house and they had to register it in NH and get the Vin# cleared through the state police then he could bring the NH registration and bill of sale and get it registered here. The auction house had delivered it to our insured’s premises w/their dealer plate. Now he has to bring it back to the auction house in NH. He wants to know if he can put one of his other trailer plates on it to bring it back to NH. He said his lawyer said he had a grace period of 2 weeks that he could drive it around by putting one of his other trailer plates on it and be insured and not get in trouble. Is this accurate?

Case Studies

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7. Answer …A. Donna McKenna: According to my contact at the RMV, a bobcat (skid steer) can be registered with commercial plates or snow plow plates if it’s used for plowing. In fact, if it’s used in a parking lot where the public has a right of access, it should be registered. Parking lots are really not considered private property.Irene Morrill: The 2004, 2007, 2013 CGL; 2006, 2010, 2010 BOP and the 2006, 2010 and 2013 BAP states that the definition of auto is: “Auto" means:

a. A land motor vehicle, trailer or semitrailer designed for travel on public roads, including any attached machinery or equipment; or

Case Studies

7. Answer …b. Any other land vehicle that is subject to a compulsory or financial responsibility law or other motor vehicle insurance law in the state where it is licensed or principally garaged.

However, "auto" does not include "mobile equipment".

SO … According to RMV … it IS subject to MVR … thus financial responsibility and is NOT mobile equipment … but is “auto” when doing this so BAP is needed … the proper symbol is 19.

Case Studies

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7. Answer …19 Mobile

Equipment Subject To Compulsory Or Financial Responsibility Or Other Motor Vehicle Insurance Law Only

Only those "autos" that are land vehicles and that would qualify under the definition of "mobile equipment" under this policy if they were not subject to a compulsory or financial responsibility law or other motor vehicle insurance law where they are licensed or principally garaged.

Case Studies

7. Answer …B. Donna McKenna: I’m going to have to check on this one. Is the owner from NH and has it always been in NH? If it has always been in NH, even though it was never registered, I believe it should have been titled. The NH title law requires vehicles under 15 years of age to be titled. If the owner was the original purchaser, he may be able to title it if need be and then sign the title over to your client. Again, a vehicle used for plowing in a parking lot to which the public has a right of access should be registered and insured.Irene: Same answer for me … too

Case Studies

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7. Answer …C. Donna McKenna: There is NO two week grace period. If he traded or sold his old tractor and bought this as a replacement, he MIGHT have been able to use the seven day law to attach the trailer plate for the vehicle he sold or traded in … BUT, since he does not have the title to the vehicle, it would be illegal to attach his or anybody else’s trailer plate. How old is the flatbed? Is it over 15 years? Was it ever registered by the prior owner? Unless you can show the paper trail of ownership for this trailer and prove that it doesn’t need a title, your client is going to have to try to track down the proper paperwork. I’ll defer to Irene for answers to the insurance part of your questions.

Case Studies

7. Answer …C. Irene Morrill: A trailer is an auto … if it is owned … which it appears to be … it MUST be on a BAP … if the load capacity is over 2000 lbs. A newly acquired “auto” is ONLY covered for 30 days from date of acquisition (this does NOT mean registration) – and then ONLY for THOSE coverages which currently apply to all owned vehicles …

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8. Question …I have a customer with a 2006 Ford F350 pickup that is insured on a commercial auto policy with a PAN plate. He will be using this truck to tow a large trailer that will carry a backhoe. He has been told that to pull such heavy equipment, he must trade his PAN for a CON plate. This sounds right since the combination weight of truck/trailer & equipment is more than 26,100 lbs. Does he need a CON plate?

Case Studies

8. Answer …I think he probably always needed commercial plates on the pickup if he was using it in his business and carrying “stuff” on the bed to a jobsite. Now, he not only needs a commercial plate, but I think he needs a CDL if the combined weight rating of the pickup and trailer (loaded) is over 26,000 lbs. And, if he is operating in more than one state, he’ll need DOT numbers and more.See Commercial Motor Vehicle Chart.

Case Studies

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8. Answer …You must have a CDL to operate:• A single vehicle with a gross vehicle weight rating (GVWR) of

more than 26,000 pounds• A trailer with a GVWR of more than 10,000 pounds if the gross

combination weight rating is more than 26,000 pounds• A vehicle designed to transport more than 15 persons

(including the driver)• Any size vehicle which requires hazardous materials placards

Case Studies

Thanks for Attending!

• Remember I’m just a phone call or email away!

• You may reach me by phone at 800.972.9312 or 508.634.2900 or email at [email protected]

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owne

r’s n

ame

in

addi

tion

to th

e le

ssee

’s

Spec

ial S

afet

y Eq

uipm

ent a

nd

New

MA

Com

mer

cial

Veh

icle

In

spec

tions

In

spec

tion

requ

ired

in li

eu o

f Fe

dera

l Ann

ual I

nspe

ctio

n w

ith

copy

of i

nspe

ctio

n re

port

in v

ehic

le

Med

ical

Cer

tifica

te &

Re

quire

d to

be

carr

ied

by d

river

Va

lid D

river

’s Li

cens

e

Subs

tanc

e &

Alc

ohol

Test

ing

Not

Req

uire

d*

Fina

ncia

l Res

pons

ibili

ty

Requ

ired

of fo

r-hi

re m

otor

car

riers

tr

ansp

ortin

g pr

oper

ty in

ters

tate

—

See

49 C

FR 3

87

*Exc

eptio

ns: V

ehic

les

carr

ying

pla

card

able

am

ount

s of

haz

ardo

usm

ater

ials

and

veh

icle

s ca

rryi

ng 1

6 pa

ssen

gers

(inc

ludi

ng d

river

)

Vehi

cles

wit

h a

GV

WR

of 2

6,00

1 lb

s or

hig

her

DO

T Re

gist

ratio

n Re

quire

d

Com

mer

cial

Driv

er L

icen

se

Requ

ired

with

app

ropr

iate

lice

nse

clas

s fo

r veh

icle

siz

e an

d w

eigh

t

Vehi

ce M

arki

ngs

Requ

ired

- In

addi

tion

to le

gal n

ame

and

USD

OO

T#, t

here

are

new

spe

cial

m

arki

ngs

requ

irem

ents

for t

ruck

s m

akin

g de

liver

ies

and

park

ing

in p

ublic

ar

eas

in N

YC --

the

vehi

cle

mus

t hav

e th

e ow

ner’s

nam

e in

add

ition

to th

e

less

ee’s

Spec

ial S

afet

y Eq

uipm

ent a

nd

New

MA

Com

mer

cial

Veh

icle

Insp

ectio

ns

Insp

ectio

n re

quire

d in

lieu

of

Fede

ral A

nnua

l Ins

pect

ion

with

co

py o

f ins

pect

ion

repo

rt in

veh

icle

Med

ical

Cer

tifica

te &

Re

quire

d to

be

carr

ied

by d

river

Driv

er’s

Lice

nse

Subs

tanc

e &

Alc

ohol

Test

ing

Requ

ired

- inc

ludi

ng s

cien

tifica

lly

base

d ra

ndom

test

ing

plus

test

ing

for

pre-

empl

oym

ent,

post

-acc

iden

t and

ot

her s

ituat

ions

Fina

ncia

l Res

pons

ibili

ty

Requ

ired

of fo

r-hi

re m

otor

car

riers

tr

ansp

ortin

g pr

oper

ty in

ters

tate

See

49 C

FR 3

87

2014

Edi

tion

64

Hou

rs o

f Ser

vice

Rul

es

PRO

PERT

Y-CA

RRYI

NG

DRI

VER

11-H

our D

rivin

g Li

mit

May

driv

e a

max

imum

of 1

1 ho

urs

afte

r 10

cons

ecut

ive

hour

s off

dut

y.

14-H

our L

imit

May

not

driv

e be

yond

the

14th

con

secu

tive

hour

aft

er c

omin

g on

dut

y,

follo

win

g 10

con

secu

tive

hour

s off

dut

y. O

ff-du

ty ti

me

does

not

ext

end

the

14-h

our p

erio

d.

Rest

Bre

aks

May

driv

e on

ly if

8 h

ours

or l

ess

have

pas

sed

sinc

e en

d of

driv

er’s

last

off-

duty

or

sle

eper

ber

th p

erio

d of

at l

east

30

min

utes

. Doe

s no

t app

ly to

driv

ers

usin

g ei

ther

of t

he s

hort

-hau

l exc

eptio

ns in

395

.1(e

). [4

9 CF

R 39

7.5

man

dato

ry “i

n at

tend

ance

” tim

e m

ay b

e in

clud

ed in

bre

ak if

no

othe

r dut

ies

perf

orm

ed]

60/7

0-H

our L

imit

May

not

driv

e af

ter 6

0/70

hou

rs o

n du

ty in

7/8

con

secu

tive

days

. A d

river

m

ay re

star

t a 7

/8 c

onse

cutiv

e da

y pe

riod

afte

r tak

ing

34 o

r mor

e co

nsec

utiv

e ho

urs

off d

uty.

Mus

t inc

lude

two

perio

ds fr

om 1

a.m

. to

5 a.

m. h

ome

term

inal

tim

e, a

nd m

ay

only

be

used

onc

e pe

r wee

k, o

r 168

hou

rs, m

easu

red

from

the

begi

nnin

g of

th

e pr

evio

us re

star

t.

NO

TICE

: The

Con

solid

ated

and

Fur

ther

Con

tinui

ng A

ppro

pria

tions

Act

of

2015

was

ena

cted

on

Dec

embe

r 16,

201

4, s

uspe

ndin

g en

forc

emen

t of r

e-qu

irem

ents

for u

se o

f the

34-

hour

rest

art.

For m

ore

info

rmat

ion

see

FMCS

A’s

Fede

ral R

egis

ter n

otic

e: w

ww

.fmcs

a.do

t.gov

/reg

ulat

ions

/hou

rs-s

ervi

ce/

hour

s-se

rvic

e-dr

iver

s

Slee

per B

erth

Pro

visi

onD

river

s us

ing

the

slee

per b

erth

pro

visi

on m

ust t

ake

at le

ast 8

con

secu

tive

hour

s in

the

slee

per b

erth

, plu

s a

sepa

rate

2 c

onse

cutiv

e ho

urs

eith

er in

the

slee

per b

erth

, off

duty

, or a

ny c

ombi

natio

n of

the

two.

PASS

ENG

ER-C

ARR

YIN

G D

RIVE

RS

10-H

our D

rivin

g Li

mit

May

driv

e a

max

imum

of 1

0 ho

urs

afte

r 8 c

onse

cutiv

e ho

urs

off d

uty

15-H

our L

imit

May

not

driv

e af

ter h

avin

g be

en o

n du

ty fo

r 15

hour

s, fo

llow

ing

8 co

nsec

utiv

e ho

urs

off d

uty.

Off-

duty

tim

e is

not

incl

uded

in th

e 15

-hou

r per

iod.

60/7

0-H

our L

imit

May

not

driv

e af

ter 6

0/70

hou

rs o

n du

ty in

7/8

con

secu

tive

days

.

Slee

per B

erth

Pro

visi

onD

river

s us

ing

a sl

eepe

r ber

th m

ust t

ake

at le

ast 8

hou

rs in

the

slee

per b

erth

, an

d m

ay s

plit

the

slee

per b

erth

tim

e in

to tw

o pe

riods

pro

vide

d ne

ither

is le

ss

than

2 h

ours

.

Susp

ende

d

65

http://www.fmcsa.dot.gov/regulations/hours-service/hours-service-drivers

http://www.fmcsa.dot.gov/regulations/hours-service/hours-service-drivers

Priva

te P

asse

nger

l Plat

e Def

initi

on

A pr

ivate

pass

enge

r moto

r veh

icle f

or re

gistra

tion p

urpo

ses i

s any

vehic

le:

(a)w

hich h

as a

vehic

le we

ight r

a ting

or cu

rb w

eight

of six

thou

sand

poun

ds or

less

as pe

rma

nufac

turer

's de

scrip

tion o

f said

vehic

le or

is a

spor

t utili

ty ve

hicle

or pa

ssen

ger v

an; o

rwh

ich is

a pic

kup t

ruck

or ca

rgo v

an of

the ½

TON

, ¾ T

ON or

1 TO

N cla

ss as

per

manu

factur

er's

desc

riptio

n of s

a id ve

hicle;

or w

hich i

s a ve

hicle

used

solel

y for

offic

ialbu

sines

s by a

ny co

llege

or un

iversi

ty po

lice d

epar

tmen

t who

se of

ficer

s are

appo

inted

assp

ecial

polic

e offic

ers b

y the

colon

el of

the st

ate po

lice u

nder

M.G

.L. c.

22C,

§ 63

; and

,

(b)w

hich,

if a pi

ckup

truc

k or c

argo

van,

is re

gist er

ed or

leas

ed to

an in

dividu

al, an

d is u

sed

exclu

sivel y

for p

erso

nal, r

ecre

ation

al, or

comm

uting

purp

oses

; and

,

(c)wh

ich, o

ther t

han a

Per

sona

l Tra

nspo

rtatio

n Netw

ork V

ehicl

e, is

not d

escri

bed i

nels

ewhe

re in

540 C

MR 2.

05.

The t

erms

plea

sure

vehic

le, pa

ssen

ger v

ehicl

e, pa

ssen

ger c

ar, a

utomo

bile a

nd pl

easu

re

pass

enge

r veh

icle a

re sy

nony

mous

with

Priv

ate P

asse

nger

Moto

r Veh

icle a

s defi

ned h

erein

. Fo

r the

avoid

ance

of do

ubt, t

he te

rm P

rivate

Pas

seng

er M

otor V

ehicl

e sha

ll inc

lude,

but n

ot be

syno

nymo

us w

ith, P

erso

nal T

rans

porta

tion N

etwor

k Veh

icle.

Sour

ce: 5

40 C

MR 2.

05

1/201

5

Priva

te P

asse

nger

Insu

ranc

e Def

initi

on

A pr

ivate

pass

enge

r auto

mobil

e for

insu

ranc

e pur

pose

s is:

A.A

motor

vehic

le of

the pr

ivate

pass

enge

r or s

tation

wag

on ty

pe th

at is

owne

d or

lease

d und

er co

ntrac

t for a

conti

nuou

s per

iod of

at le

ast tw

elve m

onths

by on

e or m

ore

indivi

duals

, exc

luding

(1) p

artne

rships

, (2 )

corp

orati

ons,

(3) u

ninco

rpor

ated b

usine

ssas

socia

t ions

, and

(4) o

ther le

gal b

usine

ss en

tities

with

a fed

eral

emplo

yer id

entifi

catio

nnu

mber

, and

is no

t use

d as a

pub li

c or li

very

conv

eyan

ce no

r ren

ted to

othe

rs. A

vehic

lewh

ich m

eets

the co

nditio

ns of

Ru le

31, r

egar

ding t

he tr

ansp

ortat

ion of

fello

wem

ploye

es, s

tuden

ts or

othe

rs for

cons

idera

tion,

is inc

luded

in th

is de

finitio

n, pr

ovide

dsu

ch ve

hicle

is no

t reg

ister

ed fo

r car

rying

pass

enge

rs for

hire

.

B.A

motor

vehic

le tha

t is a

pick-u

p or v

an, th

at is

owne

d or le

ased

unde

r con

tract

for a

conti

nuou

s per

io d of

at le

ast 1

2 mon

ths by

one o

r mor

e ind

ividu

als, e

xclud

ing (1

)pa

rtner

ships

, (2)

corp

orati

ons,

(3) u

ninco

rpor

ated b

usine

ss as

socia

tions

, and

(4) o

ther

legal

busin

ess e

ntitie

s with

a fed

eral

emplo

yer id

entifi

catio

n num

ber,

and

1.ha

s a gr

oss v

ehicl

e weig

ht ra

ting o

f less

than

10,00

0 pou

nds o

r has

a ve

hicle

ratin

g gro

up as

signe

d to i

t by t

he A

utomo

bile I

nsur

ers B

urea

u of M

A (A

IB),

and

2.is

not u

sed f

or th

e deli

very

or tr

ansp

ortat

ion of

good

s or m

ateria

ls un

less s

uch u

seis

incide

ntal to

the i

nsur

ed’s

busin

ess o

f insta

lling,

maint

aining

or re

pairin

gfur

nishin

gs or

equip

ment.

C.Gr

oss V

ehicl

e Weig

ht Ra

ting m

eans

the v

alue s

pecif

ied by

the m

anufa

cture

r as t

heloa

ded w

eight

of a s

ingle

vehic

le.

D.At

the o

ption

of th

e com

pany

, an e

ligibl

e veh

icle u

nder

this

rule

whos

e title

has b

een

trans

ferre

d to a

t rus

t may

be w

ritten

unde

r the

Mas

sach

usett

s Auto

mobil

e Ins

uran

cePo

licy,

subje

ct to

the fo

llowi

ng re

quire

ments

: the g

ranto

r of th

e tru

st mu

st be

anind

ividu

a l or

lawf

ully m

arrie

d ind

ividu

als re

siding

in th

e sam

e hou

seho

ld, an

d mus

t be

the on

ly ins

ured

(s) na

med i

n Item

1 of

the C

over

age S

electi

ons P

age.

All v

ehicl

e(s)

insur

ed un

der t

he po

licy m

ust b

e own

ed by

the t

rust.

A ve

hicle

owne

d by a

trus

t inwh

ich th

e gra

ntor is

a pa

rtner

ship

or co

rpor

ation

mus

t be w

ritten

unde

r a co

mmer

cial

auto

polic

y.

If a m

otor v

ehicl

e is l

ease

d as d

escri

bed i

n the

fore

going

para

grap

hs, a

nd th

e les

see i

s ob

tainin

g the

insu

ranc

e, the

polic

y mus

t be i

ssue

d to t

he le

ssee

as na

med i

nsur

ed an

d En

dorse

ment

M-00

70-S

, “Co

vera

ge F

or A

nyon

e Ren

ting A

n Auto

To Y

ou,”

must

be

attac

hed t

o the

polic

y.

Sour

ce: 2

014 M

A Pr

ivate

Pass

enge

r Auto

mobil

e Ins

uran

ce R

ules

66

Com

mer

cial P

late D

efin

ition

Comm

ercia

l Veh

icle,

in co

nnec

tion w

ith re

gistra

tion r

equir

emen

ts, is

any m

otor v

ehicl

e whic

h is

not a

priva

te pa

ssen

ger m

otor v

ehicl

e, pe

rsona

l tran

spor

tation

netw

ork v

ehicl

e, an

tique

mo

tor ca

r, mo

torcy

cle, tr

ailer

, sem

i-trail

er, a

uto ho

me, h

ouse

trail

er, ta

xicab

, amb

ulanc

e, he

arse

, live

ry ve

hicle,

bus,

scho

ol bu

s, or

scho

ol pu

pil tr

ansp

ort v

ehicl

e. Th

e foll

owing

are

exam

ples o

f com

merci

al ve

hicles

requ

iring c

omme

rcial

regis

tratio

n plat

es:

(a)A

ny ve

hicle

which

has a

vehic

le we

ight, o

r cur

b weig

ht, of

mor

e tha

n six

thous

and p

ound

s,as

per t

he m

anufa

cture

r’s de

scri p

tion o

f said

vehic

le, un

less s

uch v

ehicl

e is a

spor

t utili

tyve

hicle

or pa

ssen

ger v

an, o

r a pi

ckup

truc

k or c

argo

van m

eetin

g the

defin

ition o

f pr iv

atepa

ssen

ger v

ehicl

e;(b

)Any

vehic

le wh

ich ha

s five

or m

ore w

heels

on th

e gro

und;

(c)An

y pick

up tr

uck o

r car

go va

n, ow

ned b

y a pa

rtner

ship,

trus

t or c

orpo

ratio

n unle

ss su

chve

hicle

meets

the d

efinit

ion of

priva

te pa

ssen

ger m

otor v

ehicl

e;(d

)Any

pick

up tr

uck o

r car

go va

n, if o

n the

bed o

f the v

ehicl

e too

ls, su

pplie

s, ma

terial

s or

equip

ment

are t

rans

porte

d to o

r fro

m a j

ob si

te, or

are s

tored

for u

se at

a job

site;

prov

ided

that tr

ansp

ortat

ion to

or st

orag

e for

use a

t a pe

rsona

l pro

ject fo

r whic

h no c

ompe

n sati

on is

rece

ived s

hall n

ot be

cons

idere

d in c

onne

ction

with

the “

job si

te”;

(e)A

ny ve

hicle,

if on

the r

oof o

r side

s of th

e veh

icle,

tools,

supp

lies,

mater

ials o

r equ

ipmen

tar

e tra

nspo

rted t

o or f

rom

a job

site,

or ar

e stor

ed fo

r use

at a

job si

te; pr

ovide

d tha

ttra

nspo

rtatio

n to o

r stor

age f

or us

e at a

perso

nal p

rojec

t for w

hich n

o com

pens

ation

isre

ceive

d sha

ll not

be de

emed

in co

nnec

tion w

ith a

“job s

ite”;

(f)A

vehic

le wh

ich ha

s bus

iness

adve

rtisem

ents

or bu

sines

s mar

kings

ther

eon;

prov

ided

howe

ver t

hat m

arkin

gs lim

ited t

o the

name

, add

ress

, telep

hone

numb

er, a

nd lo

go of

any

corp

orati

on w

hose

perso

nal p

rope

rty is

exem

pt fro

m tax

ation

unde

r G.L.

Cha

pter 5

9, §5

,Cl

ause

Thir

d or T

enth

shall

not b

e con

sider

ed bu

sines

s adv

ertis

emen

ts or

busin

ess m

arkin

gsfor

purp

oses

of 54

0 CMR

2.05

;(g

)A ve

hicle

use d

for h

ire to

plow

;(h

)A ve

hicle

use d

for h

ire to

tran

spor

t or s

tore g

oods

, war

es or

mer

chan

dise,

prov

ided t

hat if

the ve

hicle

is ow

ned b

y an i

ndivi

dual,

has a

max

imum

load

carry

ing ca

pacit

y of 1

, 000 p

ound

sor

less

, and

is so

used

on on

ly a p

art-t

ime b

asis,

such

vehic

le sh

all no

t be d

eeme

d aco

mmer

cial v

ehicl

e und

er 54

0 CMR

2.05

(3)-c

omme

rcial

vehic

le (h

). “P

art-t

ime b

asis”

shall

mean

that

not m

ore t

han 4

0% of

the t

otal u

sage

of th

e veh

icle i

s de v

oted t

o the

tran

spor

ting

or st

oring

of go

ods,

ware

s or m

erch

andis

e.(i)

A ve

hicle

use d

to tr

ansp

ort o

r stor

e goo

ds, w

ares

or m

erch

andis

e inte

nded

for s

ale in

the

ordin

ary c

ourse

of th

e veh

icle o

pera

tor’s

or ow

ner’s

busin

ess,

prov

ided t

hat if

the v

ehicl

e is

owne

d by a

n ind

ividu

al, ha

s a m

axim

um lo

ad ca

rrying

capa

city o

f 1,00

0 pou

nds o

r less

, and

is so

used

on on

ly a p

art-t

ime b

asis,

such

vehic

le sh

all no

t be d

eeme

d a co

mmer

cial v

ehicl

eun

der 5

40 C

MR 2.

05(3

)-com

merci

al ve

hicle

(i). “

Part-

time b

asis”

shall

mea

n tha

t not

more

than f

orty

perce

nt of

the to

tal us

age o

f the v

ehicl

e is d

evote

d to t

he tr

ansp

ortin

g or

storin

g of g

oods

, war

es or

mer

chan

dise

Sour

ce 54

0 CMR

2.05

1/2

015

Com

mer

cial P

olicy

Elig

ibilit

y

This

secti

on ap

plies

to al

l truc

ks, in

cludin

g pick

up, p

anel

and v

an ty

pes,

truck

-trac

tors,

traile

rs an

d sem

itraile

rs ex

cept

for th

e foll

owing

:

A.Au

tos us

ed fo

r pub

lic tr

ansp

ortat

ion. R

efer t

o the

publi

c tra

nspo

rtatio

n sec

tion.

B.Au

tos le

ased

or re

nted t

o othe

rs by

leas

ing or

renta

l con

cern

s. Re

fer to

the l

easin

gor

renta

l con

cern

s rule

in th

e Sp e

cial T

ypes

Sec

tion.

C.Ind

ividu

ally o

wned

pick

ups,

pane

l truc

ks or

vans

. Refe

r to t

he P

rivate

Pas

seng

erAu

tomob

ile In

sura

nce M

anua

l.D.

Self-p

rope

lled v

ehicl

es w

ith th

e foll

owing

type

s of p

erma

nentl

y atta

ched

equip

ment.

Refer

to th

e spe

cial o

r mob

ile eq

uipme

nt ru

le.1.

Equip

ment

desig

ned p

rimar

ily fo

r:a.

Snow

remo

val

b.Ro

ad m

ainten

ance

, but

not c

onstr

uctio

n or r

esur

facing

;c.

Stre

et cle

aning

;2.

Cher

ry pic

kers

and s

imila

r dev

ices m

ounte

d on a

utomo

bile o

r tru

ck ch

assis

and u

sed t

o rais

e of lo

wer w

orke

rs.3.

Air c

ompr

esso

rs, pu

mps a

nd ge

nera

tors,

includ

ing sp

rayin

g, we

lding

, buil

ding

clean

ing, g

eoph

ysica

l exp

lorati

on, li

ghtin

g and

we ll

servi

cing e

quipm

ent.

Sour

ce: M

assa

chus

etts C

omme

rcial

Autom

obile

Insu

ranc

e Man

ual

67