Discusses a total loss from a claims adjuster's point of view. This article explains how a total loss is determined, how to calculate actual cash value (ACV), and what is "diminution in value.

The public or livery exclusion on the PAP raises many questions. This article discusses the exclusion, court cases that have interpreted the exclusion, and concerns about the exclusion raised by insureds and insurers.

Discusses gaps often found in personal insurance, such as water damage, mold and dry rot, earthquake, residence held in trust, nonrelated residents, identity theft, bodily injury, volunteer activities, vehicle rentals, and business pursuits.

Collision coverage is offered on the PAP. Some dispute may arise over the exact meaning of collision. This article discusses certain loss situations and court decisions to help understand just what collision is.

Whether an innocent purchaser of a stolen auto may collect for subsequent damage varies by state. Some states disallow recovery due to a lack of insurable interest, while others so allow based upon the economic interest of the insured in the vehicle.

CM 00 52 offers open perils coverage for merchandise held for sale that has been financed through a lending institution. This article analyzes the form and its coverages.

Risk Identification-Archived Article August 2005 Risks must be identified before they can be properly treated. As obvious as that may sound, it is not…

Identifies common allegations contained in actions against company directors and officers and explains the duties that directors and officers owe to their organizations. Outlines various federal and state laws that impact these individuals.

Explains both the ISO and AAIS personal articles floaters, who may need the coverage, and what is covered. Can be used as an alternative to separate personal property floaters, such as furs or cameras.

October 2008 Intro Page No. 953 October 1, 2008 Dec Page The question of the month deals with employment practices liability coverage.…