Massachusetts Insurers Hearing Memorandum is a document that is used in hearings conducted by the Massachusetts Division of Insurance. It is issued by the Division of Insurance to provide all parties involved in a hearing with the necessary information and instructions for the hearing. The memorandum outlines the specific hearing procedure, the topics of the hearing, the names of all parties involved, the names of any witnesses, and the date and time of the hearing. It also includes information regarding the evidence that will be presented, the arguments that will be made, and any other relevant information. The Massachusetts Insurers Hearing Memorandum is an important tool for the Division of Insurance to ensure the fair and efficient resolution of disputes. The two types of Massachusetts Insurers Hearing Memorandum are Initial Hearing Memorandums and Reconsideration Hearing Memorandums. Initial Hearing Memorandums are issued for the first hearing regarding a dispute between an insurer and a policyholder. Reconsideration Hearing Memorandums are issued for hearings at which the Division of Insurance reconsiders a decision or order issued in an earlier hearing.