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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.
Pollution Clean-Up Q A mercury-vapor light fixture above a swimming pool in our insured's building exploded, releasing material into the pool which…
Racing Exclusion Applies to Chase Vehicle? We have a question concerning the exclusion in the personal auto policy for autos used in connection with…
Nonowned Auto Coverage and Family Members We have a situation where the husband has his own auto policy and the wife has her own policy. The husband…
Prior Notice Necessary When Adding Exclusions to Renewal Policy? Is the insurance company mandated to provide prior notice when adding an additional…
Primary Coverage v. Excess Coverage under a PAP We have a question on the primacy of coverage between auto policies of rental car vendors and our insureds.…
Nonowned Auto Loss Payable by Insured's PAP? Our insured was driving a nonowned car that is insured by its owner for physical damage subject to a $500…
Rental Vehicle Coverage Issue Our insured rented a vehicle from a rental company, and turned it over to another person. He had no intention of using…
Newly Acquired Vehicle Coverage Standard language in most auto policies includes a provision for notification to the company of a newly acquired vehicle.…
Rental Car Liability Coverage Q Our insured rented a car at an airport recently and indicated on the rental form that he would be the only driver.…
Police Department Charges Covered by PAP? I am writing to ask your opinion regarding whether the personal auto policy provides coverage/payment for…