The Era of Vehicle Hacking is Here. Are Insurers Ready?
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.”…
Virtual University
How Should My Agency Handle Nonresponsive Separated/Divorced Individuals on a PAP?
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…
ISO’s 2018 Personal Auto Policy Changes
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.
Telematics: Big Brother in the Flesh
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…
5 Key PAP Eligibility Questions
When writing a PAP, the “risk” must meet specific eligibility guidelines. Five of these eligibility guidelines are discussed in this article.
Trailer-Related Liability Chart
Here’s your one-stop-shop for Liability Coverage for Trailer-Related Liability: Primary and Excess Protection.
A Brief Synopsis of ISO’s Last Major PAP Changes
ISO has introduced a major change to its Personal Auto program; the largest change in many years. As part of this change key provisions of the “base” PAP (PP 00…
Three Personal Auto Questions Every Agent Must Know How to Answer
Regardless what the commercials tell us, personal auto coverage is not one-size-fits-all. Every insured has unique arrangements and exposures. These lead to uneasiness and questions – hopefully. This article attempts…
Auto Statutes by State
State laws vary regarding auto policies, personal and commercial. Each state prescribes its own minimum limits and other required coverages. Some state require Uninsured Motorist (UM) and some states require…
Leasing a Company Car to Yourself
Most insurance agents “could write a book” about some of the choices consumers often make about their insurance protection. A prime example is the small commercial insured that has his…
