Personal Lines

We had an insured call to advise that he was going on vacation and renting a car in his name. He has a 19 year old that he understands cannot…

Several years ago, I wrote an article called “”The Top 10 Reasons to Purchase the Rental Car Company’s CDW/LDW.” This article and a downloadable consumer version you can share with…

Although most damage waiver fees are considered outrageous, the insured is best advised to purchase the waiver for short-term rentals. This is not only in the best interest of the insured, but also the…

A couple divorce, the wife moves out, and, although her auto is declared on the policy, she is not a named insured. Does she have physical damage coverage? (Note: One…

Zipcar is an innovative alternative to traditional car rental. The company describes itself as a “car sharing” company instead of a car rental company. The company currently operates in multiple…

I’ve often said that it’s inexcusable when a claim is denied for no other reason than “It’s not covered.” The insured is owed a reason for a claim denial, by…

A Corvette was stolen by a scam artist that gave the insured a counterfeit check for $41,500. The bank didn’t find out that the check was counterfeit until a week…

Not infrequently, an auto suffers a physical damage loss. There’s no question that the loss is covered…the only issue is whether the loss is covered as a collision or an…

Rain water entered an insured’s camper trailer during a rain storm. Apparently the seals on the roof of the trailer had deteriorated and water leaked into the interior, causing damage…

Question: I am in a debate with an underwriter concerning an antique auto. We have the stated amount endorsement (PP 03 08) on the policy and the insured has an…