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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.
Ask The Experts ›As an FC&S Online subscriber, you can email your most challenging questions to our highly-skilled editors. It’s like having a personal staff of J.D.s and CPCUs on hand at all times.
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.
Newly Acquired Vehicle Coverage Standard language in most auto policies includes a provision for notification to the company of a newly acquired vehicle.…
Rental Car Liability Coverage Q Our insured rented a car at an airport recently and indicated on the rental form that he would be the only driver.…
Police Department Charges Covered by PAP? I am writing to ask your opinion regarding whether the personal auto policy provides coverage/payment for…
Nonowned Auto Coverage for a Neighbor's Auto? Q This question concerns a claim where the insured's son was asked by a neighbor to take the neighbor's…
Rental Car—Loss of Use Q I have recently been told by two auto claim adjusters and their regional supervisor that the personal auto policy does…
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…
Limited Liability Company Status as the InsuredA new insured is a limited liability company. The insured has the following risk exposures: commercial…
Injuries to the family dog.
Relative As an Insured? Our insured's son has returned from Iraq and he will be stationed in Texas . The son, with his parents' permission, has rented…