Vehicle Available for Regular Use? Insured's legal residence is Rhode Island . Her son lives in Florida . Insured spends the winter in Florida and stays…

Subrogation against Repair Garage? Our insured's auto was damaged by a collision that occurred while the auto was being test driven by an employee of…

Supplementary Payments and the Personal Auto Policy I have an insured that was driving home and hit a public service pole. He was cited for DUI. The…

Uninsured Motorists Coverage and Denial of Liability Our insured was recently involved in an accident, where the other driver was cited for running…

Replacement vs. Additional Vehicles and Notification to Carrier Our insured purchased a Cadillac on 03/24/07 which was not immediately added to the…

Question regarding whether the addition of contaminated gas in vehicle is mechanical breakdown.

Racing Activities Covered under Personal Auto Policy? One of our insureds takes his street model automobile to the local racetrack on weekends to engage…

Public or Livery Conveyance Exclusion Under the PAP Insured's son is using Mom's car with permission to deliver Pizza's. He also states he is part owner.…

Med Pay for Driver's Heart Attack? Our personal auto insured had a heart attack while driving his car and had a collision with another vehicle. He was…

Rental Vehicle Not Used by Insured Our insured rented a vehicle from a rental company, and turned it over to another person. He had no intention of…