The justices explicitly held that a policy was illusory when the coverage actually afforded by a policy was "extremely minimal and afford[ed] no realistic protection to any group or class of injured persons."

How are rental cars treated under a Personal Auto Policy, and when should you elect for the Loss Damage Waiver?

In this guest column by board member Bill Wilson, Bill provides an overview of hard markets, looking at hard markets of the past and the current situation.

PP 43 14 11 19 Snowmobile Endorsement personal auto policy endorsement.

PP 43 13 11 19 Low Speed Vehicle Endorsement personal auto policy endorsement.

PP 43 09 09 18 Miscellaneous Type Vehicle Endorsement personal auto policy endorsement.

PP 04 02 09 18 Single Underinsured Motorists Limit personal auto policy endorsement.

PP 04 01 09 18 Single Uninsured Motorists Limit personal auto policy endorsement.

PP 00 09 09 18 Transition Endorsement personal auto policy endorsement.

In this Q&A of the week, an insured runs over a nail with her vehicle and wants to know if it would be a collision loss or excluded under road damage to tires.