Personal Lines

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…

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…

“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…

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…

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”?…

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,…

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…

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…

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…

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…