Prior Notice Necessary When Adding Exclusions to Renewal Policy? Is the insurance company mandated to provide prior notice when adding an additional…

Rental Vehicle Covered by Personal Auto Policy? Q We have the auto insurance for an insured who will be renting a vehicle for a period of at least…

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…

Burned, But Not Dead, Trees Covered? We have an HO3 4-91 policy. The loss is a brush fire in the insured's yard. They had damage to trees, shrubs, and…

Property in Self-Storage Locker Q This question involves whether or not personal property in a self-storage unit is covered and to what extent. There…

Water Tank Adjacent to Insured's Property Q I have a customer whose home is built on a lot next to an elevated water tank. The tank holds approximately…

Water as Personal Property Q We have a loss under an AAIS homeowners form ML-3. Our insured's well was contaminated with fuel oil. We all agree that…

Clean-up Coverage HO-6 condo policy - our insured rented the unit to a couple they were acquainted with - and on 11/27/07 the wife shot herself in the…