Subrogation Allowed Against Repair Garage? Our insured's auto was damaged by a collision that occurred while the auto was being test driven by an employee…

Primary Coverage v. Excess Coverage under a PAP We have a question on the primacy of coverage between auto policies of rental car vendors and our insureds.…

Cancellation of Policy Effective to Block Claim? A personal auto policy holder decides to withhold notice of a claim because he feels that an outstanding…

Coverage when passenger is already injured and is injured again in an accident.

Direct and Accidental Damage We have an insured who purchased a new vehicle in the summer of 2007. In the purchase agreement the insured opted to have…

Family Member Includes College Student? Our insured's son went away to college and when he wanted to rent a vehicle, the rental company would only rent…

Our insured is allergic to bee stings and was recently stung by a bee. He was driving himself to the doctor's office for treatment when he passed…

Theft of Keys—Auto or Homeowners Coverage?QOur insured had a set of keys stolen from his house and included in that set was the key…

Loaned Trailers and Liability Coverage We have a customer who has four trailers listed on a PAP with physical damage coverage. We don’t offer…

Mold Claim under Personal Auto Policy We have an insured who reports mold growing in her car. There was a hole in the car's convertible top. The insured…