Personal Lines

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…

An insured backed one of her vehicles into another one. Both are insured under the same PAP for the same $1,000 deductible amount. The insurer’s claims department set up two…

Your insured had a tire blowout. The tire came apart and the tread came up into the fender housing, damaging it, the hood, and part of the firewall. The adjuster…

In 1973, the insured had a 1967 Chevy Corvette stolen. It was reported to the police and the insurer paid $2,500 for the claim. The car was recovered last October,…

The PAP defines “collision” to involve impact of an insured auto with another auto or object. Comprehensive, or “other than collision” (OTC) coverage applies to contact with a bird or…

Everyone thinks they pay too much for insurance, even those of us in the industry, just like we think we pay too much for gas, milk, shoes, and just about…