April 2011 Dec Page

Question of the Month

All Insurance Services Office (ISO) and American Association of Insurance Services (AAIS) homeowners forms contain liability and medical payments exclusions pertaining to activities involving certain types of motor vehicles and watercraft, and all types of aircraft (except for hobby or model aircraft). But, how did these exclusions evolve into the current language and how do courts view such exclusions?

The Motor Vehicle, Watercraft, and Aircraft Liability Exclusions article discusses and answers questions about the exclusions, their evolution, court cases, and the exceptions to the exclusions that allow the insurance policies to provide coverage for incidents involving motor vehicles, watercraft, and aircraft.

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