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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.
Test Driving Accident September 9, 2016 After repairing our insured's vehicle, the mechanic drove the car around the block for a test drive. While test…
In getting off bus insured falls on car; are his injuries covered?
Does med pay apply when patron harmed by food?
Discusses loading and unloading under the CGL and the BAP.
Boat House on Property Leased from Utility Company August 11, 2016 We insure several lake houses on a lake in North Carolina owned by Duke Energy. The…
Storms over Time and Application of Deductibles August 12, 2016 The policyholder experienced a hail loss and was insured on a HO 00 03 04 91. The policy…
House in Living Trust after Death of Insured August 11, 2016 Our insured was a widowed lady who died two years ago, and all of the household contents…
Are broken door handles and similar damage that occurs over time damage?
Damage Caused by Bears September 5, 2016 If a bear damages the siding on the insured's garage, would this be covered under the homeowner's policy? Would…
Theft or Vandalism Damage? August 29, 2016 Applicable policy is a CP 00 10 10 91, Special Cause of Loss form. It is endorsed with a Theft Exclusion,…