1. Forms
2. MM
3. MM-99-67

What the form is

The MM 99 67 Massachusetts Changes Endorsement is an endorsement to a commercial automobile policy in Massachusetts. Its primary purpose is to modify the terms of the standard Business Auto Coverage Form to align with specific Massachusetts insurance regulations and practices, particularly for vehicles or risks that are not subject to the Massachusetts Compulsory Automobile Insurance Law. It often addresses changes to physical damage coverage.

Classes of business it applies to

This endorsement is used for commercial auto policies in Massachusetts covering risks that are not required to comply with the state's compulsory auto insurance laws. This could include certain types of vehicles or specific business operations that fall outside the scope of the compulsory law. For example, it might be used for businesses with vehicles that are not registered for on-road use or for specific types of commercial auto exposures where the standard compulsory coverages are not mandated.

Special considerations

It is crucial to use this endorsement only when the insured risk is legitimately not subject to the Massachusetts Compulsory Automobile Insurance Law. Misapplying this form could lead to significant coverage gaps if compulsory coverages are later found to be required. The endorsement specifically modifies how deductibles are applied under Comprehensive or Specified Causes of Loss Coverage. For instance, the deductible may not apply to glass breakage or for transportation expenses incurred following a covered loss. It also clarifies that losses from causes like vandalism, fire, theft, missiles, falling objects, contact with a bird or animal are considered Comprehensive losses, not Collision losses.

Key information for agents and underwriters

Agents and underwriters must carefully verify whether a risk is subject to the compulsory law before applying this endorsement. This form indicates that other specific Massachusetts endorsements, like MM 99 35 Personal Injury Protection Coverage – MA, will also be attached when this endorsement is used. Underwriters should be aware of the specific changes this endorsement makes to physical damage coverage, particularly the waiver of deductibles for glass and transportation expenses, as this could impact loss exposure and pricing. Ensuring the correct application of this form is vital for compliance and for providing appropriate coverage to the insured.