Auto

If an agent in New York no longer represents a carrier, how long does the carrier need to remain on the customer’s risk for auto, home and umbrella?

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.

What are the reporting requirements of a liability claim to the carrier that doesn’t write the underlying coverage?

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.

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?

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

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?