Insuring a Vehicle Garaged at an Out-of-State Secondary Residence
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.
Auto
Does a Rental Car Have Other Than Collision Glass Coverage from a PAP?
A client has full glass coverage on her personal auto policy. She rented a vehicle while traveling and got a chip on the windshield.
Employee and Family Injured in Company Car: How Do PIP, PAP, BAP and Workers Comp Interact?
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?
Does a PAP Cover Stepdaughter Borrowing Car and Living in Different State?
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?
5 Foundational Insurance Concepts Producers Need to Know in 2025
As we head into a new year, there’s no better time to equip producers with foundational insurance industry knowledge and concepts.
Over or Under: Explaining UM/UIM Coverage and Setting Limits
Should the uninsured motorist/underinsured motorist limits match those on the bodily injury and property damage liability coverage?
What Coverage Does a PAP Provide for a Rental Car?
Would liability and physical damage coverages cover a rental car? Would there be a coverage gap in loss rentals?
What Is an Agency’s Responsibility If an Insured Doesn’t Want to File a PAP Claim?
The insured does not want to submit a claim because they are adamant the accident was not their fault.
Is 3rd Party Damage Due to Mechanical Failure Excluded from a PAP?
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.
Is Running an Errand for an Employer Excluded from PAP as Public or Livery?
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.
