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Questions & Answers
Submit your P&C insurance coverage-related questions to the FC&S expert staff. You can expect a prompt response. Our policy is to answer inquiries within approximately five business days when at all possible.
Ask The Experts ›As an FC&S Online subscriber, you can email your most challenging questions to our highly-skilled editors. It’s like having a personal staff of J.D.s and CPCUs on hand at all times.
Notice: Information provided by the Ask the Experts service is general in nature and intended for educational and informational purposes. The service does not provide legal advice.
Direct Loss under Personal Auto Policy April 11, 2011 Our insured is involved in an accident. The accident damages two of the 4 tires on the vehicle.…
Digital Images Destroyed by Fire April 4, 2011 I have a total loss fire being handled under an all risk policy. A portion of the claim is for $3,755…
Property Placed in a Trust March 28, 2011 I have several clients whose property has been placed in a living trust. They own nothing. Their trust…
Damage to Husband's Company Car by Wife Our insured has two cars—a company car insured by his employer and his wife's car, insured in our…
Fungi or Bacteria Coverage Question Our insured is a pest control business. Endorsement CG 24 25, limited fungi or bacteria coverage, is attached to…
Psychological Injury Arising from Bodily Injury Our personal auto insured was recently involved in an at-fault accident. She has $10,000 of medical…
Residence Premises Defined? One of our homeowners insureds (on an HO 00 03 10 00) was in a nursing home for nearly five years prior to her death. Her…
Causal Relationship in an Auto Accident Our insured rear-ended another vehicle that was towing a trailer. There was minimal damage, but our insured's…
Boatowners—Marine Life Exclusion We have a boatowners insured. The policy insuring the boat is not an ISO form, but we hope you can help us in…
Are Injuries to Family Pet Covered? Our insured visited a relative, whose dog laid under our insured's truck, in the shade. When the insured left, he…