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…
Personal Lines
Insurance and Joint Custody of Kids
The divorce of insureds can often create problems for CSRs handling the transition of their personal lines account. However, even when a divorce is amicable, agents may be expected to…
Personal Lines Host Liquor Liability Revisited
A guest leaves your party where they consumed too much alcohol, has an accident, and you’re sued. Is this an HO or PAP exposure, or both? If it’s a PAP…
Why Buy Auto Physical Damage Coverage?
Your insured declines to purchase physical damage coverage because his vehicle “isn’t worth much” and “I’m a good driver.” His vehicle is totaled by another vehicle whose insurer denies liability.…
Do Homeowners Policies Have to Become Commoditized Too?
Note: Emphasis added by the editor. The definition of a commodity is that the item is completely interchangeable with any other item of the same nature. For example, an…
Coverage for Property Damage Caused by Toilet Overflow
A toilet overflows in a 4-story frame condo building and causes damage to structural components on all floors. Does the ISO CP 10 30 Special Causes of Loss cover this?…
Property Coverage for Damage Caused by Windblown Lake Ice
A home is located on a lake that is covered in ice during the winter. In the spring, when the ice breaks up, a strong wind “pushes” ice across the…
Insuring “Other Structures” on HO-6 Condo Policies
An HO-6 condo form includes only Coverage A and C for direct damage to property…that is, no Coverage B. What if the insured owns a structure not attached to the…
Insuring Hot Tubs on an HO Policy
An HO customer’s hot tub is damaged by the freezing of a water line. Does the ISO HO-3 cover this cause of loss? What if the root cause is mechanical…
Bad Exclusions, Trial Lawyers, and Big I Advocacy
Sometimes we come across policy exclusions that shouldn’t be there but, due to human error, they’re there. If such inappropriate exclusions are used to deny a claim, what should be…
