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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.
Medical Payments Coverage Under a BAP Q Our insured was covered under an ISO commercial auto policy that included auto medical payments coverage with…
Loading and Unloading an Insured Vehicle I have a question regarding the loading and unloading of an insured vehicle under the business auto policy.…
Tire Damage Due to Skidding Q We are asking about the issue of tires that are damaged as a result of an emergency stop. There was a subsequent rollover…
Towing Expenses after a Collision Loss Q Our insured had an auto accident in Florida and then had the truck transported to his company headquarters…
Physical Damage Coverage — Temporary Substitute Vehicles Q We have a claim in which the insured rented a temporary substitute vehicle while…
Drive Other Car Coverage Subject to a Deductible? Our insured has a business auto policy with endorsement CA 99 10, drive other car coverage, attached.…
Care, Custody, or Control Exclusion Prevents Coverage for Trailer Damage Our insured was using a nonowned trailer. His employee dropped the trailer…
Nonowned Auto or Hired Auto Liability? Q One of our nonprofit clients let us know that they are paying mileage to members of the nonprofit for the…
Racing or Demolition Exclusion not Applicable to Emergency Vehicles Our insured is involved in a motorsports/race track program. There usually are special…
Loss of Income Coverage and Power Failure Q Our insured's policy provides loss of income coverage with a limit of $25,000 in any one "event" on loss…