Automatic Coverage For Additional or Replacement Vehicles September 9, 2013 Summary: The policy provisions of the personal auto…

Med Pay Coverage under the PAP June 24, 2013 We have a named insured driver who has a prosthetic leg that was damaged in an auto accident. The prosthetic…

June 12, 2013My question involves certificates of insurance. On the certificate, we are telling the certificate holder that he will be notified of…

Underinsured Motorist Benefits Not Available to Pedestrian June 10, 2013 The insured business owner who purchased a commercial auto insurance…

Employer as an Additional Insured June 12, 2013 Is the employer of the named insured on a personal auto policy automatically included as an additional…

Discusses how various policies handle common issues with natural disasters.

No-Fault Add-on Plans December 1, 2009 State Comparisons Summary: The state no-fault plans outlined on these pages provide no-fault…

"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…