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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.
Default Judgment against Auto Insured? We have a question about the carrier's liability in a case involving a default judgment against our insured.…
A question of applicable coverage when car drives into lake and subsequently leaks oil into the water.
Glass Coverage Includes Plexiglas under PAP? Does coverage for "glass" breakage under personal auto physical damage insurance include Plexiglas? New…
Glass Breakage and a Locked Auto Our insured locked her keys in her car while it was running and decided to break the door window. I thought this should…
Household Resident Includes Stepchild Living Elsewhere? Is a stepchild living elsewhere automatically considered a resident of your household? My insured's…
Insured Person and Auto Policy Exclusion Facts of loss are that the insured backed into her son's company vehicle while it is parked and unoccupied.…
Deductible—Per Vehicle or Per Loss? Our personal auto policy insured was towing his own vehicle behind his own motor home. During the course of…
Collision Coverage Under a Personal Auto Policy Our insured was driving his car down the highway when a tire on the car shredded. Parts of the tire…
Neighbor is injured while repairing insured's vehicle; vehicle fell on neighbor. Is there coverage?
Heart Attack Victim Liable for Auto Accident? If a person insured under a personal auto policy is driving down the road, suddenly suffers a heart attack…