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…

Loss Payable Clause on Personal Auto Policy Our question is whether, if a loss payee is named on an auto policy, the insurer can arbitrarily pay the…

Loading and Unloading of Vehicle A customer was injured on our insured's lumber yard while he was there to purchase some wood. An employee of the lumber…

Notification Requirements of the Personal Auto Policy Our insured was involved in an auto accident. He was responsible. The claims were forwarded to…

Permissive use versus legal ability to drive.

Rental Car Insurance Part of Liability Claim? Our insured was involved in an auto accident where the other party was at fault. Our insured did not carry…

A family member is an insured under a policy's UM provision. That family member is injured while a pedestrian. Does UM coverage apply?

Nonowned Motorhome Rented for Vacation Our insured's personal autos are written on the 1977 version of the personal auto policy. Recently, he asked…