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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.
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…
In trying to remove vehicle from ditch insured burns up transmission. Is there coverage for the damage to the transmission?