Personal Lines

Divorced parents have joint custody of their teenage son. Dad buys a car for the kid and insures it on his own policy. The agency insures mom and dad on…

Have you ever had an attorney or other “expert” advise one of your customers with a teen driver to place that teen on his or her own policy (usually at…

The temperature got so cold that the vinyl flooring in an insured travel trailer cracked. Is this damage excluded by the “freezing” exclusion in the ISO Personal Auto Policy or…

An ISO PAP is issued to mom and dad for 4 autos, 3 owned by dad and 1 owned by an adult son. Mom and dad drive 2 of the…

An insured backs into his wife’s car, damaging both vehicles insured under the same policy. The deductible provision says no deductible applies if an insured vehicle collides with another vehicle…

It is remarkable how many questions we get about exposures involving pulling trailers. Pulling personally-owned trailers with business-owned autos. Pulling business-owned trailers with personally-owned autos. Using trailers as music stages.…

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…

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…

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…

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…