Coverage when passenger is already injured and is injured again in an accident.

Direct and Accidental Damage We have an insured who purchased a new vehicle in the summer of 2007. In the purchase agreement the insured opted to have…

Family Member Includes College Student? Our insured's son went away to college and when he wanted to rent a vehicle, the rental company would only rent…

Our insured is allergic to bee stings and was recently stung by a bee. He was driving himself to the doctor's office for treatment when he passed…

Theft of Keys—Auto or Homeowners Coverage?QOur insured had a set of keys stolen from his house and included in that set was the key…

Loaned Trailers and Liability Coverage We have a customer who has four trailers listed on a PAP with physical damage coverage. We don’t offer…

Mold Claim under Personal Auto Policy We have an insured who reports mold growing in her car. There was a hole in the car's convertible top. The insured…

Fire Department Charges Covered by Auto Policy? Some municipalities automatically send out the fire department to an auto accident scene even though…

A claimant was involved in a car accident with our insured. The claim against the insured was for property damage done to the other car and included…

Med Pay Coverage for a Go-Cart Accident? Our insured recently submitted a claim for injuries to their minor son. The son, age five, was operating a…