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.

Travelers won a case defending the validity of its "Other Insurance" clause and enforcement of a stated UIM limit.

This article that appears in the November Claims Magazine explains the principle of subrogation