- Home
- Channels
- Resources
- Q&A
- Charts
- Forms
- Litigation Watch
- CE & Training
- Insurance News
- About Us
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.
Mechanical Damage Caused by Water Leakage Our insured's personal auto developed a water leak around the windshield seal. This leak then caused mechanical…
Med Pay or Health Insurance January 3, 2011 Recently, many health insurance carriers are requesting we reimburse them under the Med Pay portion of the…
Volunteers as Insureds December 27, 2010 The CGL form states that volunteers are insureds while performing duties related to the conduct of the named…
Designated Premises Endorsement and Off-Site Risk Exposures Our insured carries a BOP with the CG 21 44, Designated Premises endorsement. The insured…
Garagekeepers Coverage and Valet Parking The insured maintains valet parking for customers. The weather was hot, so the valet driver lowered the window…
Replacement Cost Claims and Time Restrictions The insured has a Special Form Homeowners Policy (ISO form), with replacement cost coverage on the contents.…
Med Pay Coverage Not Applicable to Property Damage Our insured was involved in an auto accident and suffered injuries to his head; he was hospitalized.…
Our insured has a large class A motor home. There was a hailstorm, and we paid for the repairs to damage caused by the hail. However, there were some…
Insured's permission but not licensed.
A couch suffered water damage, but there was an undamaged matching love seat. Does ACV apply to loss payment?