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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.
When a vehicle is dropped of for repair without prior arrangements, is there coverage if the vehicle is damaged on the lot?
When the parents own the home but live elsewhere, and the son lives in the property insured by the parents, is the son considered an insured?
When a stand alone outdoor sign is hit by a vehicle, how does coverage apply?
When loss assessment language refers to an event, is the event the date of loss, or the date of the assessment?
The Broadened Pollution Form and loading and unloading.
What coverage exists when the cows get loose and tangle with a motor vehicle?
When an insured's electric vehicle charger is damaged, is there coverage under ALE for the insured to charge the vehicle elsewhere?
When unsold goods are spoiled, do taxes get added into the valuation of those goods?
Are sunglasses with gemstones considered jewelry or other property?
The Business Auto policy is discussed along with The New York Changes In Business Auto 8-E-3967 Endorsement to detemine coverage when transported pollutants are released.