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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.
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…
Uninsured Motorists Coverage for Employer-Furnished Auto We have a client for whom we have placed personal auto insurance with uninsured motorists coverage.…
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…
Vehicle Available for Regular Use? Insured's legal residence is Rhode Island . Her son lives in Florida . Insured spends the winter in Florida and stays…
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…
When an insured moves out of the house and rents it, but doesn't notify the carrier, is there coverage in event of a loss?
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…
Uninsured Motorists Coverage and Denial of Liability Our insured was recently involved in an accident, where the other driver was cited for running…
Replacement vs. Additional Vehicles and Notification to Carrier Our insured purchased a Cadillac on 03/24/07 which was not immediately added to the…
Question regarding whether the addition of contaminated gas in vehicle is mechanical breakdown.