Words and terms that have a contractually defined meaning that applies throughout the personal auto policy (PAP) are collected in one section called the “Definitions” section.

California Earthquake Authority Basic Earthquake Policy June 25, 2018 Summary: The 1994 Northridge earthquake in California lead to severe restrictions…

Declarations Page (The Dec Page)   June 18, 2018   An Overview Summary: In journalism school, potential reporters are taught that every…

This article discusses replacement cost language under homeowners and dwelling policies.

Discusses when a carrier no longer has a duty to defend.

The smallest word or punctuation mark can change the meaning of a legal document.

Questions of Coverage for Certain Named Perils December 5, 2017 Windstorm, Explosion, Riot, Aircraft-Vehicle, Smoke, and Vandalism  IntroductionThe…

Drones, or unmanned aerial systems (UAS), are rapidly gaining the attention of virtually every industry as a means of gaining greater efficiency…

State FAIR Plans  May 26, 2017  State-by-State Summary of Coverages  Summary: FAIR plans were devised as a way to enable residents and businesses…

Good Samaritan Statutes October 19, 2016 Chart Presents State-by-State Policy with Statutory References   This chart presents the Good Samaritan…