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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.
Replacement vs. Additional Vehicles and Notification to Carrier Our insured purchased a Cadillac on 03/24/07 which was not immediately added to the…
Wind Damage to Personal Auto Our insured has both collision and other than collision coverage on his auto. The facts of the incident are that the insured…
Uninsured Motorists Coverage for Employer-Furnished Auto We have a client for whom we have placed personal auto insurance with uninsured motorists coverage.…
Towing of Vehicle Covered under the PAP? Our personal auto policy (PAP) insured borrowed a friend's car to drive, which broke down. He then used his…
Separation of Insureds Clause and Family Members We have been informed by one of our companies that there is a potential auto liability BI claim for…
Valuable Articles Coverage for the Loss of Wine We insure a wine collection under a valuable articles policy. It is an all risk policy, offering coverage…
Subrogation against Repair Garage? Our insured's auto was damaged by a collision that occurred while the auto was being test driven by an employee of…
Theft of Snow Tires An insured owns several automobiles and reports the theft from vehicle A of snow tires that had been removed from vehicle B. As…
Supplementary Payments and the Personal Auto Policy I have an insured that was driving home and hit a public service pole. He was cited for DUI. The…
Sales Tax in the Settlement of Retained Total Loss Automobiles Under Part D of the PP 0001, the Payment of Loss language indicates our payment will…