VU Resources

HOA, NFIP, RCBAP, GP

If a homeowners association (HOA) is not established as a condominium, the Residential Condominium Building Association Policy (RCBAP) can’t be used. This can create several problems, particularly if someone tries to…

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Who is an Insured for Physical Damage?

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…

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Zip Cars

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…

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Adjusters Say the Darnedest Things

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…

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Counterfeit Checks and Theft

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…

Is It Comp or Is It Collision?

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…

Wear and Tear and the Personal Auto Policy

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…

Insuring Autos on a Stated Amount Basis

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…

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