"Automobile" and "Motor Vehicle" Defined   April 26, 2013 Ambiguities in Policy Language   Summary: The personal auto policy (PAP) uses…

Fire Department Clean Up Expenses and the PAP April 1, 2013 It is my understanding that the expenses incurred by a fire department to clean up hazardous…

PAP Coverage and Family Member Issues March 18, 2013 Our insured's granddaughter is operating the insured's vehicle (with permission) when she rear…

Discusses resident relative of named insured in ISO and AAIS homeowners policies. Topics covered include policy definitions, status of household members, effect of divorce or separation, children, guests, and nonrelatives.

Broadened Personal Injury Protection Question February 18, 2013 Endorsement PP 05 01, named individuals—broadened personal injury protection coverage,…

Newly Acquired Auto Involved in Auto Accident January 28, 2013 Insured went to purchase a vehicle on 11/28/12. He made a deal with the dealer and traded…

Resident Insured's Car Damaged by Named Insured December 11, 2012 A named insured's adult son currently resides with his mom. He has his own vehicle…

Michigan No-Fault Automobile Insurance November 19, 2012 Personal Injury Protection and Property Protection Endorsements Summary: Michigan…

Personal Injury Protection—Minnesota November 19, 2012 Automobile No-Fault Endorsement Summary: Personal injury protection (no-fault) coverage…

Rental Car with Factory Defect and Insured Liability An auto policyholder with a proper endorsement rents a car and declines collision coverage. While…