Virtual University

After years of instructing personal auto seminars, probably the question that comes up most often (except, perhaps, for rental car issues) is whether or not the ISO PAP covers claims…

“The Fast and the Furious” is a movie often viewed with delight by teenagers and adult adolescents everywhere. Perhaps it’s no coincidence that since the movie’s rlelease we’ve since had…

The ISO PAP excludes vehicles being used as a public or livery conveyance for liability, medical payments, and physical damage. This exclusion pops up in scenarios ranging from airport shuttles…

Company cars present a serious coverage gap under the Personal Auto Policy, an exposure that exists for a very high percentage of your insureds. Fortunately, in most cases, this exposure…

Between gasoline prices and roadways becoming more and more congested, it can be expected that car pooling will become increasingly popular, if not necessary, in many areas. In this article,…

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In another article, we discuss the potential coverage gaps if a resident child buys a car and it is insured under a separate policy, as opposed to the parent’s policy.…

The 18 year old resident son of our insureds enlisted in the Army, went to boot camp for 14 weeks, and took 3 days leave. While riding in a pickup…

Your insured was told by his attorney to title and insure a car in his 16-year-old son’s name to minimize the family’s liability exposure. According to the attorney, if his…

Your 20-year-old daughter is away at college. She does not have a car on campus, but her roommate does and she drives the auto occasionally. Would your unendorsed personal auto…