When Owned Autos Collide…Two Deductibles?
An insured backed one of her vehicles into another one. Both are insured under the same PAP for the same $1,000 deductible amount. The insurer’s claims department set up two…
Physical Damage Auto
Tire Blowouts…Excluded?!
Your insured had a tire blowout. The tire came apart and the tread came up into the fender housing, damaging it, the hood, and part of the firewall. The adjuster…
What Happens When an Auto is Recovered…30 Years Later?
In 1973, the insured had a 1967 Chevy Corvette stolen. It was reported to the police and the insurer paid $2,500 for the claim. The car was recovered last October,…
Is a Person an Animal?
The PAP defines “collision” to involve impact of an insured auto with another auto or object. Comprehensive, or “other than collision” (OTC) coverage applies to contact with a bird or…
