Are Accident and Occurrence Synonymous?
Accident and Occurrence Synonymous? Accident is not a defined term in the policy. Would it include "occurrence" coverage similar to commercial auto?…
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Household Resident Includes Stepchild Living Elsewhere?
Household Resident Includes Stepchild Living Elsewhere? Is a stepchild living elsewhere automatically considered a resident of your household? My insured's…
Read Full ArticleAAIS and ISO Personal Automobile Policy Comparison
AAIS and ISO Personal Automobile Policy ComparisonNovember 28, 2016Summary: In July 2016 the American Association of Insurance Services (AAIS)…
Read Full ArticleNew Side Effect of COVID-19 – Excessive Speed
Discusses changes in traffic behavior with states under stay-at-home orders.
Read Full ArticleLoss of Use Coverage under PAP
Loss of Use Coverage under PAP September 4, 2012 Our insured's vehicle was declared a total loss. The settlement was made and the insured requested…
Read Full ArticleCircular Tracker 7-31-2024
A summary of the ISO Circular for July 31, 2024. Circulars provide a wide variety of information from form changes to rules, loss costs, experience reviews and other information.
Read Full ArticleLoaned Trailers and Liability Coverage
Loaned Trailers and Liability Coverage We have a customer who has four trailers listed on a PAP with physical damage coverage. We don’t offer…
Read Full ArticleTowing and Labor Costs under the PAP
Towing and Labor Costs under the PAP Our insured has a personal auto policy with endorsement PP 03 03, towing and labor costs coverage, attached. The…
Read Full ArticleNonowned Auto Coverage for a Neighbor's Auto
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…
Read Full ArticleInsurance Bill Approved Regarding Out-of-State Adjusters
Highlights new bill concerning adjusters going to governor for signature.
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