Two-part question describing differing accident scenarios in which a third-party did have/did not have permission to drive a company vehicle.

When an insured relocates after a total loss, whether the insured's renovations to a new home can be considered part of the original loss becomes an issue.

The use of cattle in a horse cutting event may be excluded.

A policy excludes matching when the components don't match due to age or wear and tear. But when the new components are not compatible with the existing ones, should all the siding be replaced?

When fluids leak from a vehicle after an accident, is there coverage for cleanup of those fluids?

When multiple vehicles are damaged by hail at the same time, does a separate deductible need to be applied to each vehicle?

Can a skid steer be considered business personal property when it's damaged by fire on the insured's property?

When wind blows roofing up allowing water to enter the dwelling, damage may or may not be covered.

Providing proper coverage for a boom crane.

When an insured's appraisal needs correction but the insurer is reluctant to accept corrections.