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…
Auto
Adding a Pet to the Family This Holiday Season?
ALEXANDRIA, Virginia, Dec. 15, 2016 — The holiday season often includes images of cute puppies in a basket under a Christmas tree or a kitten with a sparkly ribbon around…
Dad Hitches His Trailer to His Daughter’s Auto…Uh Oh
A father’s nonresident daughter borrowed his camper trailer to be hauled by her SUV. Dad hooked the vehicles up. While the trailer was being towed, it somehow became uncoupled, and…
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…
Trusted Choice® Provides Storm Tips as Hermine Threatens Southeast
ALEXANDRIA, Virginia, Sept. 1, 2016— As Hurricane Hermine batters Florida and the Southeast, disaster experts from Trusted Choice® and the Independent Insurance Agents & Brokers of America (IIABA or the…
Drivers vs. Insureds
We find that often there is a misconception that listing someone as a driver on an auto policy automatically makes them an insured or that someone is not an insured…
Does the PAP Cover Engine Damage Due to Water in the Fuel?
A PAP customer’s engine was damaged by water in the fuel. The adjuster has tentatively denied the claim, citing the wear and tear and mechanical breakdown exclusions. Do you agree?…
Unrelenting Rain May Leave You High & Dry
ALEXANDRIA, Virginia, May 26, 2016—The persistent rain that has recently saturated most of the East Coast can create property damage, flooding and other hazards that may not be covered under…
Auto Insurance is NOT a Commodity…Really
A homeowners insured has his auto coverage with a captive agent. His resident daughter has her coverage with a direct sales insurer. He backs into her car and his auto…
Kid’s Car Jointly Titled with Parents
Your insured’s daughter had a car at college jointly titled to her and mom. Daughter has graduated and moved to another state with the auto which remains insured on mom’s…
