Discusses additional living expenses and when and how they should be applied.

State minimum limits for financial responsibility are provided.

The third of multiple articles analyzing the MSO Commercial Auto Form MCA 010 11 14. This section discusses liability exclusions and conditions.

Additional living expenses is broad coverage; however, the premises must be unfit to live in in order for coverage to be available.

While phantom vehicles are a common fraud claim, phantom deer are another matter.

When the carrier is suspicious the insurance department investigates.

South Carolina Supreme Court rules that insurers can factor labor costs depreciation into actual cash value offers to insureds.

The salon only shared the biometric information with a single third party.

When collected premium payments aren't deposited correctly.

When a contractor has removed the snow and left the premises, but someone falls later, who is responsible for the injuries?