Virtual University

The jaw-dropping case of a $5.2 million award against GEICO for transmission (excuse the pun) in a car of a sexual disease, human papillomavirus (HPV), is one for the books.…

While the ISO personal auto policy appears to wholly exclude any coverage for a person contracting a STD in an auto, this is not necessarily true of all coverage forms.…

Does the personal auto policy extend coverage for a STD supposedly contracted in an insured auto? Well, “disease” is within the definition of bodily injury and there is no specific…

Do you think your car can be “stolen” yet still be sitting in the parking lot or driveway with you in it? Well, evidently, it can – it’s called “Hacking.”…

An agent asks: I’m working on establishing a standard office procedure for our office when dealing w/ divorce and personal auto policies. At what point are we able to remove…

An agent asks: A vehicle is registered to a church that provides the vehicle to the senior pastor and his wife for their personal use. The vehicle is insured on…

Insurance Services Office (ISO) filed 30 changes to its personal auto program effective September 1, 2018. Don’t find yourself behind the curve on the changes.

For the personal auto insurance industry, food delivery is a big exposure. And because so many teenagers and even young adults deliver food as a primary or secondary source of…

Over the last several days, the VU has fielded several auto insurance related questions as it pertains to food delivery and the Coronavirus. These questions cannot be classed simply as…

Usage-based-insurance, UBI or telematics is here, though not yet widespread. However, eventually carriers will find a way to make telematics part of every driver’s life. Are there any up or…