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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.
Collision Damage Waiver and Coverage under the BAP July 2, 2014 Our insured driver had an at-fault motor vehicle accident in which the claimant's vehicle…
Broad Coverage under Auto Med Pay Endorsement July 2, 2014 The attachment of an auto medical payments coverage endorsement (CA 99 03 03 06) to a standard…
Deductibles and the BAP July 2, 2014 Our insured lost control of his owned tractor which was connected to his owned trailer. Both units sustained damage.…
Broad Form Products Coverage under the Garage Form July 2, 2014 The insured garage replaces engine in a customer's car. The engine that was installed…
How to deal with undefined terms in a policy.
When loading goes awry.
Named Insured on Builders Risk Policy Entitled to Total Value of Loss June 30, 2014 If the named insured on an inland marine builders risk policy…
Utility Company Power Failure on Premises June 10, 2014 Reviewing a claim in which the electric company had a surge that damaged a power box…
Tenant Relatives are not Insureds June 10, 2014 Our insured has an HO6 policy and owns a second floor condo that he rents out to his in-laws…
Scheduled Limits and Value of Stolen Ring June 10, 2014 The insured had a ring stolen that was not specifically scheduled. Our policy has a special…