Property Placed in a Trust March 28, 2011 I have several clients whose property has been placed in a living trust. They own nothing. Their trust…

Damage to Husband's Company Car by Wife   Our insured has two cars—a company car insured by his employer and his wife's car, insured in our…

Psychological Injury Arising from Bodily Injury Our personal auto insured was recently involved in an at-fault accident. She has $10,000 of medical…

Residence Premises Defined? One of our homeowners insureds (on an HO 00 03 10 00) was in a nursing home for nearly five years prior to her death. Her…

Discusses acid rain as a covered loss under comprehensive coverage.

Boatowners—Marine Life Exclusion We have a boatowners insured. The policy insuring the boat is not an ISO form, but we hope you can help us in…

Are Injuries to Family Pet Covered? Our insured visited a relative, whose dog laid under our insured's truck, in the shade. When the insured left, he…

Auto as Defined on the PAP Our insured has a personal auto policy. He needs to rent a U-Haul truck for the weekend for nonbusiness use. The personal…

Causal Relationship in an Auto Accident Our insured rear-ended another vehicle that was towing a trailer. There was minimal damage, but our insured's…

Actual Cash Value or Replacement Cost on Farm Outbuilding? Our farmowners client is covered on a American Association of Insurance Services (AAIS)…