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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.
Permissive use versus legal ability to drive.
Question regarding whether the addition of contaminated gas in vehicle is mechanical breakdown.
Is an injury immediately after an accident part of the accident?
Rental Vehicle Not Used by Insured Our insured rented a vehicle from a rental company, and turned it over to another person. He had no intention of…
A family member is an insured under a policy's UM provision. That family member is injured while a pedestrian. Does UM coverage apply?
Insurable Interest vs. Ownership Would you please help me with a personal auto question. Our insured is the named insured on his personal auto policy. …
Glass Coverage Includes Plexiglas under PAP? Does coverage for "glass" breakage under personal auto physical damage insurance include Plexiglas? New…
Glass Breakage and a Locked Auto Our insured locked her keys in her car while it was running and decided to break the door window. I thought this should…
Collision or Vandalism Loss? Our insured, the manager of a supermarket, saw two men stealing pallets from a rear dock area of the store. He got into…
Primary vs. Excess Coverage under Auto Policy We have a question on the primacy of coverage between auto policies of rental car vendors and our insureds.…