Technical Knowledge

By combining smarter product design, more proactive client engagement and the adoption of artificial intelligence (AI), the personal auto market is changing.

After a shopping cart was blown 30 yards across a parking lot into a client’s car, the agent believes the windstorm damage is a comprehensive loss. The adjustor says the object is a collision loss because the object must be falling to be caused by a windstorm.

A high-net worth customer in Pennsylvania would like to leave a car at his secondary home in Oregon. The car would be available to local family members to use throughout the year.

A client has full glass coverage on her personal auto policy. She rented a vehicle while traveling and got a chip on the windshield.

​As we head into a new year, there’s no better time to equip producers with foundational insurance industry knowledge and concepts.

After a fatal accident in which the victim was hit by an underinsured driver while driving an unlisted tractor, the carrier says uninsured/underinsured motorist coverage does not apply.

An insured with a business auto policy rents a warehouse he’s not contractually obligated to insure. While backing out, he hit the building, and the carrier is denying coverage.