Personal Lines

In a recent court case, the insured was injured in a collision between her vehicle and one driven by another party who apparently intentionally collided with her vehicle. The other…

Commonly referred to as the “company car exclusion,” the “furnished or available for your regular use” exclusion can apply to a lot more than that. In addition, what constitutes “regular”?…

After years of instructing personal auto seminars, probably the question that comes up most often (except, perhaps, for rental car issues) is whether or not the ISO PAP covers claims…

“The Fast and the Furious” is a movie often viewed with delight by teenagers and adult adolescents everywhere. Perhaps it’s no coincidence that since the movie’s rlelease we’ve since had…

The ISO PAP excludes vehicles being used as a public or livery conveyance for liability, medical payments, and physical damage. This exclusion pops up in scenarios ranging from airport shuttles…

Company cars present a serious coverage gap under the Personal Auto Policy, an exposure that exists for a very high percentage of your insureds. Fortunately, in most cases, this exposure…

Between gasoline prices and roadways becoming more and more congested, it can be expected that car pooling will become increasingly popular, if not necessary, in many areas. In this article,…

In another article, we discuss the potential coverage gaps if a resident child buys a car and it is insured under a separate policy, as opposed to the parent’s policy.…

The 18 year old resident son of our insureds enlisted in the Army, went to boot camp for 14 weeks, and took 3 days leave. While riding in a pickup…

Your insured was told by his attorney to title and insure a car in his 16-year-old son’s name to minimize the family’s liability exposure. According to the attorney, if his…