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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.
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…
Loss Payable Clause on Personal Auto Policy Our question is whether, if a loss payee is named on an auto policy, the insurer can arbitrarily pay the…
Racing Activities Covered under Personal Auto Policy? One of our insureds takes his street model automobile to the local racetrack on weekends to engage…
Public or Livery Conveyance Exclusion Under the PAP Insured's son is using Mom's car with permission to deliver Pizza's. He also states he is part owner.…
Rental Car Insurance Part of Liability Claim? Our insured was involved in an auto accident where the other party was at fault. Our insured did not carry…
Nonowned Motorhome Rented for Vacation Our insured's personal autos are written on the 1977 version of the personal auto policy. Recently, he asked…
Notification Requirements of the Personal Auto Policy Our insured was involved in an auto accident. He was responsible. The claims were forwarded to…
Med Pay for Driver's Heart Attack? Our personal auto insured had a heart attack while driving his car and had a collision with another vehicle. He was…
We have a situation where a 16-year-old boy was driving his 16-year-old girlfriend's vehicle with her permission. They were at school and he asked…
Discusses coverage for a newly purchased auto in view of the provision for newly acquired under the personal auto policy.