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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.
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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.
Valuable Articles Coverage for the Loss of Wine We insure a wine collection under a valuable articles policy. It is an all risk policy, offering coverage…
Subrogation against Repair Garage? Our insured's auto was damaged by a collision that occurred while the auto was being test driven by an employee of…
Supplementary Payments and the Personal Auto Policy I have an insured that was driving home and hit a public service pole. He was cited for DUI. The…
Sales Tax in the Settlement of Retained Total Loss Automobiles Under Part D of the PP 0001, the Payment of Loss language indicates our payment will…
Vehicle Available for Regular Use? Insured's legal residence is Rhode Island . Her son lives in Florida . Insured spends the winter in Florida and stays…
Is vicarious liability coverage available under PAP?
Uninsured Motorists Coverage and Denial of Liability Our insured was recently involved in an accident, where the other driver was cited for running…
Discusses when a carrier no longer has a duty to defend.
When an insured moves out of the house and rents it, but doesn't notify the carrier, is there coverage in event of a loss?
Loading and Unloading of Vehicle A customer was injured on our insured's lumber yard while he was there to purchase some wood. An employee of the lumber…