Vehicle Available for Regular Use? Insured's legal residence is Rhode Island . Her son lives in Florida . Insured spends the winter in Florida and stays…

Replacement vs. Additional Vehicles and Notification to Carrier Our insured purchased a Cadillac on 03/24/07 which was not immediately added to the…

Is exiting a trailer covered or is the trailer a residence?

Is an injury immediately after an accident part of the accident?

We have a situation where a 16-year-old boy was driving his 16-year-old girlfriend's vehicle with her permission. They were at school and he asked…

Loss Payable Clause on Personal Auto Policy Our question is whether, if a loss payee is named on an auto policy, the insurer can arbitrarily pay the…

Racing Activities Covered under Personal Auto Policy? One of our insureds takes his street model automobile to the local racetrack on weekends to engage…

Discusses coverage for a newly purchased auto in view of the provision for newly acquired under the personal auto policy.

Public or Livery Conveyance Exclusion Under the PAP Insured's son is using Mom's car with permission to deliver Pizza's. He also states he is part owner.…

Permissive use versus legal ability to drive.