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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.
Police Department Charges Covered by PAP? I am writing to ask your opinion regarding whether the personal auto policy provides coverage/payment for…
Prior Notice Necessary When Adding Exclusions to Renewal Policy? Is the insurance company mandated to provide prior notice when adding an additional…
Subrogation Allowed Against Repair Garage? Our insured's auto was damaged by a collision that occurred while the auto was being test driven by an employee…
Rental Vehicle Covered by Personal Auto Policy? Q We have the auto insurance for an insured who will be renting a vehicle for a period of at least…
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…
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…
Nonowned Auto Coverage for a Neighbor's Auto? Q This question concerns a claim where the insured's son was asked by a neighbor to take the neighbor's…
Relative As an Insured? Our insured's son has returned from Iraq and he will be stationed in Texas . The son, with his parents' permission, has rented…
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…