Personal Lines

Your 20-year-old daughter is away at college. She does not have a car on campus, but her roommate does and she drives the auto occasionally. Would your unendorsed personal auto…

One of the most often overlooked (and potentially catastrophic) coverage gaps in the Personal Auto Policy involves autos owned and separately insured by resident family members. This exposure most likely…

Quite often, the VU “Ask an Expert” service gets a question about the insurance ramifications of something an insured was advised to do by an attorney, CPA, estate planner, or…

The current ISO PAP excludes the use of an auto as a public or livery conveyance. Older ISO versions excluded transporting property for a fee. However, some company forms exclude…

Some employers of people who use their personal autos for business want to be named as additional insureds on their personal auto policies (PAPs). However, many companies refuse to do…

The purpose of most endorsements is to amend policy forms by either broadening or restricting coverage. Other endorsements simply clarify the intent or scope of coverage. Finally, some endorsements are…

Getting a new car is usually fun and exciting. But having a total loss on a new car causes a double-whammy: the extreme disappointment of the loss of a new…

Your insured owns a company that has no auto coverage. For tax (or other) reasons, the company buys a car then leases it to the owner, your insured. He wants…

A 17-store chain of restaurants were shut down recently by Hurricane Charley. Direct property damage was actually minor at all locations; however, an area-wide power outage resulted in several of…

If the volume of “Ask an Expert” questions we get is any indication, the “wear and tear” exclusion in auto and property policies–both personal and commercial lines–is one of the…