Berlin FAQ’s

Your dealership will send us paperwork that requires an insurance stamp. Upon our receipt, we will contact you to confirm coverage. If the paperwork is sent to us within business hours, we can typically return this within 30 minutes.

You are required to obtain an insurance stamp on the paperwork that will be brought to the RMV. You can come to our office during business hours, and we can stamp the paperwork. The insurance paperwork, along with the title (see MA RMV registration requirements), must be submitted to the RMV. We offer a runner service for this transaction, which is $20.00.

Yes, anyone of driving age who resides in the household must be listed on the policy. If these household members do not drive the vehicle(s), in some cases they can be excluded and/or deferred to their active insurance policy.

“Full coverage” is often what is referred to when your policy has both Collision and Comprehensive coverage.  However sometimes people consider having Medical Payments, Substitute Transportation and Towing a part of “full coverage”.   If you have a leased vehicle or a financed vehicle, you are required by your lender to have comprehensive and collision coverage. You can view your policy coverage by reviewing your Declarations Page, which is available through our App, or by accessing the Self-Service portal on our website.

Premiums can rise due to various factors like changes in risk assessment or adjustments in rates. Factors that influence rates include model, make, security features, etc.

Filing a claim may increase your premium; however, that is not always the case. It depends on the amount of the claim, your claim history, and several other factors. You will also be responsible for paying your deductible before the insurance kicks in. You should review your deductible versus the potential out-of-pocket repair costs to decide the best option.

Insurance rates are determined by many different factors, which vary between many different carriers. We can provide a detailed quote for both options to help you decide.

Please contact us, you can forward the letter via email, or thru our App. Insurance information can be easily updated with your mortgage company.

A binder request is for temporary insurance coverage. We can provide a binder if needed; just let us know the details.

Insurance typically does not cover wear and tear; however, if the damage was caused by a covered event, we can review your policy to confirm coverage.

Increases can be due to factors like higher repair costs or changes in risk assessment. Additionally most policies have Inflation Guard protection to keep the rebuild cost in line with inflation trends.

The inspection is for assessing insurance risk and ensuring coverage accuracy. Your insurance inspection is to attempt to point out and remove hazards before they turn into claims.

Yes, you can switch insurers! We will set up your new policy and make sure to bill your mortgage company. We can walk you through this process.

No, you do not need to wait. You can always transfer your policy mid-term and be refunded for the unused portion of the premium.

If you have sold your vehicle and are not going to transfer your license plate to a new vehicle, you need to cancel your plate (you can do so online at MA RMV). When complete, give us a call or simply just email us a copy of the cancellation and we will cancel the insurance on the vehicle. If you are transferring your auto policy to another agent or carrier, your new company will need to send us a 2A form. This is a standard form in MA and is required by law. We will be UNABLE to cancel your policy without that form. Your new company can email or fax this to you. If you are cancelling a policy other than auto, including HO, Renter’s, etc. we will need you to sign a cancellation form, which we can email you.

Payments can be made online, by phone, or via mail. Please choose the method that’s most convenient for you, and we can assist if needed. A link to your carrier’s payment portal is available thru our App, as well as on our website.

The best way to contact us is via email, or submitting a service request via the App or thru the Self-Service portal on our website. You can also call us or text us.

You can easily contact us by logging into your Self-Service Portal on the web, or thru our Mobile App.

Here you will have 24/7 Instant Access to Policy Details, Forms, ID Card’s, Bill Pay Access, Claims Reporting. Submit Policy Change and Certificate Requests.

BONUS: SPANISH & Polish Language App Versions available.
Easy, quick & secure. Everything insurance, all in one place

Additional ways to contact us are:

Existing Policy: serviceteam@berlininsurancegroup.com

Binder Requests: ops@berlininsurancegroup.com

While reviewing the declarations page of their auto policy, consumers may be surprised to find that a family member or other individual has been added to their auto policy and may question their auto insurance company’s ability to add someone without permission. In Massachusetts, there is no law prohibiting insurance companies from adding drivers to your policy if they have a reasonable belief that these individuals should be listed.

The standard Massachusetts auto policy requires that all household members who are of driving age be listed on the policy, as well as anyone who regularly uses the vehicle. Insurance companies often use public resources, like the Internet, to determine if multiple people live under the same household.

This means that if someone in your home has a license and does not have their own insurance policy, then the company may reasonably assume that they will be driving the vehicle(s) covered under the policy. If you have a family member who lives at home and has their own vehicle and insurance policy, the insurance company will typically permit you to list the individual but ‘exclude’ them as an operator from coverage. You should ask your agent or insurance company to determine whether your insurance company permits the exclusion of listed drivers, keeping in mind that if you exclude an operator from your policy, then the policy will not provide coverage for any accidents in which the excluded driver was the operator of an insured car regardless of fault. You should not exclude someone from coverage if there is even the slightest possibility that the excluded driver will operate the vehicle.

Likewise, if you have a roommate or friend who uses your car several times per week or month, the insurance company may view them as a regular driver, and therefore someone who may increase the risk of the vehicle being involved in an accident. If there is an accident and the company believes that this individual regularly drives the vehicle, they may deny coverage for the loss since the driver was not listed on the policy.

If you have questions about your insurance policy or if you believe your insurer is not following the terms of your insurance contract, contact the Division of Insurance by calling our consumer hotline – 617-521-7794 – or visit our website at www.mass.gov/doi.