“An” insured does not equal “the” insured in any policy; however, carriers like to broaden the meaning of “an” insured in the BAP care, custody or control exclusion to make…
Personally-owned autos belong on a personal auto policy (PAP), but occasionally a commercial insured intentionally or unintentionally includes one or several personally-owned auto(s) on its business auto policy (BAP). Commercial…
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…
An event planner wants to expand his services to include hiring a shuttle van, shuttle bus, or limo as a part of a package deal when planning large events. The…
We get a number of questions regarding insuring trailers. Here is yet another twist, along with links to other articles at the end. If you search the VU for “trailer”,…
We probably get more questions about trailers than any other vehicle. Search the VU for “trailer” and you’ll see what I mean. In this article, VU faculty member Mike Edwards…
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…
The ISO PAP extends coverage to “temporary substitute” autos One question is what constitutes “temporary”? What if your car is in the shop for six weeks and you have a…
Leaked fluids from a wreck of two vehicles were not properly cleaned up by a private firm. As a result, a motorcyclist was seriously injured when he slid through the…
The owner of a large commercial account is loaning his nonresident daughter a Ford F350 pickup for a week in order to relocate a horse in the horse trailer that…