Strategies

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

If an employee drives a regularly furnished company car and the employee and family members are injured in an accident while using that car, how is that claim covered?

A client owns a car, which is titled in her name, and gives it to her stepdaughter to drive. How should the personal auto policy be written?

Improving technology is a determining factor for many carriers as they look to employ a strategic response to a sustained rise in claims frequency and severity.

Should the uninsured motorist/underinsured motorist limits match those on the bodily injury and property damage liability coverage?

Would liability and physical damage coverages cover a rental car? Would there be a coverage gap in loss rentals?

The insured does not want to submit a claim because they are adamant the accident was not their fault.

The ‘90s have officially achieved classic status.

A client had car trouble and pulled into a private drive to investigate. The car leaked transmission fluid onto the driveway but the carrier denied coverage for the damage.

A delivery driver had an accident while running an errand for his employer in his personal auto, but his carrier has denied the claim based on the public or livery exclusion.