Collision Loss Includes Contact with Road? Our insured pulled a fifth wheel trailer with a truck across a portion of Alaska . The vehicle and the…

Heart Attack Victim Liable for Auto Accident? If a person insured under a personal auto policy is driving down the road, suddenly suffers a heart attack…

Family Member Liable for Auto Accident? Our named insured sold a covered auto to his grown daughter who lives next door. Unfortunately, he never…

Insured Person and Auto Policy Exclusion Facts of loss are that the insured backed into her son's company vehicle while it is parked and unoccupied.…

Our insured accidentally fueled his nondiesel car with diesel fuel at a self-serve gas station. After traveling a few miles, the car stopped running…

Collision or Vandalism Loss? Our insured, the manager of a supermarket, saw two men stealing pallets from a rear dock area of the store. He got into…

Livestock Roundup Covered by Auto Policy? We recently had a claim where our insured was towing a stock trailer with his pickup truck and had an accident.…

Deductible—Per Vehicle or Per Loss? Our personal auto policy insured was towing his own vehicle behind his own motor home. During the course of…

A question of applicable coverage when car drives into lake and subsequently leaks oil into the water.

This chart identifies state statutes for states that allow the rejection of UM/UIM by named insured to apply to all insureds on the policy.