Personal Lines

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?…

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 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 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…

A couple divorce, the wife moves out, and, although her auto is declared on the policy, she is not a named insured. Does she have physical damage coverage? (Note: One…

I’ve often said that it’s inexcusable when a claim is denied for no other reason than “It’s not covered.” The insured is owed a reason for a claim denial, by…

A Corvette was stolen by a scam artist that gave the insured a counterfeit check for $41,500. The bank didn’t find out that the check was counterfeit until a week…

Not infrequently, an auto suffers a physical damage loss. There’s no question that the loss is covered…the only issue is whether the loss is covered as a collision or an…

Rain water entered an insured’s camper trailer during a rain storm. Apparently the seals on the roof of the trailer had deteriorated and water leaked into the interior, causing damage…

Question: I am in a debate with an underwriter concerning an antique auto. We have the stated amount endorsement (PP 03 08) on the policy and the insured has an…