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Questions & Answers
Submit your P&C insurance coverage-related questions to the FC&S expert staff. You can expect a prompt response. Our policy is to answer inquiries within approximately five business days when at all possible.
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Notice: Information provided by the Ask the Experts service is general in nature and intended for educational and informational purposes. The service does not provide legal advice.
Functional Replacement Cost Insurance and Property Coverage April 14, 2011 We have a large commercial claim in which the insurance carrier has put a…
Rental Car Exposures under PAP Our named insured resides on outer island (Island of Kauai) and has one of his scheduled autos on another island ( Island…
Employee Dishonesty and Overpayment of Wages April 14, 2011 The form is BP 00 03 01 06. Our insured had an employee who was adding time to her time…
Coverage when the water table overwhelms the sump pump.
Direct Loss under Personal Auto Policy April 11, 2011 Our insured is involved in an accident. The accident damages two of the 4 tires on the vehicle.…
Digital Images Destroyed by Fire April 4, 2011 I have a total loss fire being handled under an all risk policy. A portion of the claim is for $3,755…
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…
Fungi or Bacteria Coverage Question Our insured is a pest control business. Endorsement CG 24 25, limited fungi or bacteria coverage, is attached to…
Psychological Injury Arising from Bodily Injury Our personal auto insured was recently involved in an at-fault accident. She has $10,000 of medical…