Chapter 15. RMV Reminder Out-of-State Insurance The RMV has seen an increase in the number of customer service calls involving issues with registration revocations for customers who have recently moved out of Massachusetts. Per Massachusetts General Law Chapter 90, s. 1A, vehicles registered in MA are required to maintain insurance coverage. Under no circumstances should a Massachusetts insurer cancel a policy that is covering a MA registration until they either have proof that another insurer is now covering that vehicle or have verified the Massachusetts plates have been cancelled. * If the carrier has written a new policy for the customer that is insuring their still active Massachusetts registration, the carrier is obligated to report the new policy to the RMV. In most cases, the following scenario is the cause: 1. The insured moves out of Massachusetts and continues to operate the vehicle under the MA registration. * They contact their carrier/agent to transfer their insurance to their new state, which the carrier/agent does by writing a new policy. * The carrier then proceeds to cancel the MA policy. 2. No new policy is going to be reported to the RMV causing the registration to be revoked 33 calendar days later. 3. Whether the customer receives this revocation letter often depends on the customer filing an address change with the RMV. * Our customers typically find out their registration is in a Revoked Status when they are either stopped by law enforcement (leasing to a towed vehicle) or are prevented from registering the vehicle in the new state. Required action by the insurance industry: 1. Inform customers that when they move out of state, they need to register their vehicle in their new state within the period required by their new state's statute(s). * The RMV is not aware of any state that allows more than 30 calendar days for incoming residents to register their vehicles. 2. Insurers must do one of the following: * Avoid canceling the Massachusetts policy until the MA registration is canceled, or * Report the new policy to the RMV. 05/21