Employer as an Additional Insured June 12, 2013 Is the employer of the named insured on a personal auto policy automatically included as an additional…

June 12, 2013My question involves certificates of insurance. On the certificate, we are telling the certificate holder that he will be notified of…

Discusses how various policies handle common issues with natural disasters.

No-Fault Add-on Plans   December 1, 2009   State Comparisons Summary: The state no-fault plans outlined on these pages provide no-fault…

"Automobile" and "Motor Vehicle" Defined   April 26, 2013 Ambiguities in Policy Language   Summary: The personal auto policy (PAP) uses…

Fire Department Clean Up Expenses and the PAP April 1, 2013 It is my understanding that the expenses incurred by a fire department to clean up hazardous…

PAP Coverage and Family Member Issues March 18, 2013 Our insured's granddaughter is operating the insured's vehicle (with permission) when she rear…

Discusses resident relative of named insured in ISO and AAIS homeowners policies. Topics covered include policy definitions, status of household members, effect of divorce or separation, children, guests, and nonrelatives.

Broadened Personal Injury Protection Question February 18, 2013 Endorsement PP 05 01, named individuals—broadened personal injury protection coverage,…

Newly Acquired Auto Involved in Auto Accident January 28, 2013 Insured went to purchase a vehicle on 11/28/12. He made a deal with the dealer and traded…