Auto

Many drivers assume summer road risks come from major crashes or severe weather—but most claims actually arise from minor, inconvenient, and largely preventable incidents.

Nine in 10 drivers are seeing more aggressive, reckless and distracted driving. The good news is independent agents are uniquely positioned to influence driving behavior with both clients and lawmakers.

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.