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Auto

060029-00

Aftermarket (non-OEM) parts
We have an insured who was in an auto accident. The carrier wants to make the repair with aftermarket parts. Our client is very upset with this......

060030-00

Arbitration procedure for vehicle damage claims
We’ve run into a situation in which the claimant and the insurer just can’t agree on a settlement for a collision loss. Where can we turn?...

060031-00

DUI records
Is it true that a driving under the influence conviction stays on a driver’s record for 10 years?...

060035-00

Learner’s permit
Can an auto insurer increase the premium when a child obtains a learner’s permit?...

060038-00

Quebec coverage requirements
We have been asked to issue a certificate of insurance for a trucker who sometimes operates in Quebec, regarding coverage that the province......

060040-00

 ‘Service bus’ operator’s license
We insure a social-service agency. Their employees transport children who reside at their facility. They drive regular private-passenger-type......

060080-00

Repair shop as payee
We have a client with a collision claim. The company wrote out the check to the insured and the auto repair shop. They told us they do this for......

060081-00

Extended rental period
My client has two cars insured on a personal automobile policy. His son is away at college, so the two vehicles have been adequate for him and his......

060091-00

Coverage for bike—car accident
While my insured was out riding his bike, he hit and damaged a car. Which policy pays—his auto or his homeowners?...

060104-00

Midterm imposition of surcharge
In Connecticut, can a personal auto insurer impose a surcharge midterm? In this case, the insurer discovered a Driving While Intoxicated charge......

060120-00

Choice of repair facility
Can an insured choose where to have repairs made for auto physical damage?...

060170-00

Bait and switch
I lost a client to a direct writer who offered them a lower rate on their auto policy then I could. However, shortly after the policy was bound,......

900001-00

Resident family member
My clients insure a vehicle, used by their son at college, on a personal auto policy. The parents are planning to leave the country for two years.......

900003-00

Damage to vehicle from shifting load
My insured was driving his pickup when he was forced to stop quickly. Equipment in the bed of the truck shifted forward, damaging the cab. Under a......

900004-00

Joint ownership coverage endorsement
Could you clarify what the Joint Ownership Coverage (PP 03 34) endorsement to the Insurance Services Office Personal Auto Policy is designed to do?...

900005-00

Betterment clause
In an auto physical damage claim, the insurer wants to use non-original equipment manufacturer parts and the claimant does not want them. So, the......

900006-00

Coverage not terminated by plate surrender
Our insured’s vehicle was hit while parked. We reported the loss to the negligent party’s carrier to collect on a third-party basis.......

900011-00

BAP Symbol 7 newly acquired auto coverage
Our insured has an automobile policy written with Symbol 7 for comprehensive coverage in the ISO Business Auto Coverage Form. If a comprehensive......

900075-00

Renters with no auto policy
I recently read about a Florida law (Section 627.7263), that allows the rental company to make a renter’s personal auto policy primary with......

900212-00

Falling object
As a car is driving down the highway behind a truck, something flies off the truck. The car can’t avoid the object and runs over it, causing......

900258-00

Lawful auto rate discrimination
How can auto insurance companies discriminate and charge different rates for credit, age, gender, etc.? Is that really legal?...

900271-00

Travel trailers
I have two insureds that have pickup trucks insured under a business auto policy in their business name. They also use these trucks to pull their......

900406-00

Rental for business use
My insured is renting a van for a business trip. Does he have liability and physical damage coverage under his personal auto policy?...

900412-00

Zipcars and employees
My client’s law firm directs its employees to use Zipcars when attending meetings. How is this covered on the commercial automobile policy?...

900421-00

Title with salvage brand
My client’s auto was totaled in an accident. The insurer is discounting the value of the auto because its title has been “salvage......

900500-00

Non-owned auto coverage—employee’s auto
Is there an exclusion on a commercial auto policy for the business owner/employee who uses his own vehicle to travel between offices, or uses his......

900501-00

Transgender operators
How does a producer address transgender operators when placing auto insurance?...

900506-00

Physical damage coverage for valet parking
I saw Ask PIA 900241—Coverage for valet parking on your website, which discussed only liability coverage for a rented vehicle. What about......