December 2009 Dec Page Question of the Month One of the ways to manage risk exposures is through the purchase of insurance. Yet, for various reasons,…

Discusses the Definitions section of the ISO Personal Auto Policy, which explains words that have contractually defined meanings in the policy. Each of the ten defined words and their definitions are quoted and commented on as needed.

Duty to Notify Insurer of Water Damage under the PAP November 30, 2009 The claim at issue has a date of loss of end of 2008. Although the insured is…

Explosion, Collapse andUnderground Exclusions—Archived ArticleSeptember, 1996Property Damage HazardSummary: Under…

Tractor Insurer Does Not Have to Pay on Car Driver's Judgment   In Sentry Select Ins. Co. v. Thompson, 2009 WL 3366928 (Va.), Thompson was driving…

Wear and Tear Exclusion and Oil Discharge November 18, 2009 Our insured has a PAP and the vehicle in question has physical damage coverage. The insured…

Payment for Antique Knives November 23, 2009 The insured has an HO 04 90 04 91 Personal Property Replacement Cost endorsement. The insured had a collection…

How to insured domestic partners.

Theft of Proceeds from Auctioned Vehicle November 18, 2009 We have two insureds that were scammed by a used car dealer. One insured has a commercial…

Homeowners andPremises Liability—Archived Article August, 2004 Standard of Care Owed Summary: "A man's home is his castle" goes the saying.…