Leasing a Company Car to Yourself
Most insurance agents “could write a book” about some of the choices consumers often make about their insurance protection. A prime example is the small commercial insured that has his…
Personal Lines
Drivers vs. Insureds
We find that often there is a misconception that listing someone as a driver on an auto policy automatically makes them an insured or that someone is not an insured…
Does the PAP Cover Engine Damage Due to Water in the Fuel?
A PAP customer’s engine was damaged by water in the fuel. The adjuster has tentatively denied the claim, citing the wear and tear and mechanical breakdown exclusions. Do you agree?…
Auto Insurance is NOT a Commodity…Really
A homeowners insured has his auto coverage with a captive agent. His resident daughter has her coverage with a direct sales insurer. He backs into her car and his auto…
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…
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…
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.…
The Insurance Implications of the U.S. Supreme Court Same-Sex Marriage Ruling – Personal Lines Edition
On June 26, 2015 in Obergefell v. Hodges, the U.S. Supreme Court in a 5-4 decision ruled in favor of same-sex marriage. So what does this mean for you and…
When Can Coverage Be Dropped on a Stolen Car?
Your insured’s car is stolen. Since he only carried liability coverage, he wants to simply cancel the policy and get a return premium? At what point does his potential liability…
Graduation: For Whom the (Insurance) Bell Tolls
As bells chime across the campus, and the familiar refrain of “Pomp and Circumstance” announces yet another graduating class, a milestone has been reached by both the graduates and their…
