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Personal auto

060002-00

Suspending liability coverage
Could you provide some guidance on how to suspend coverage on a registered vehicle while it is not being driven? In view of the uninsured motorist......

060007-00

Test drives
Where does it say that the personal auto policy is primary when someone is test driving a car?...

060010-00

Suspending a vehicle
Under Connecticut’s program to detect uninsured motorists, will my insureds be subject to penalties if they suspend coverage on a vehicle?...

060016-00

Non-owned trailers
Will our insured be covered under a personal auto policy while pulling a trailer that is owned and insured separately (including Part......

060024-00

Surcharges
We represent an insurer that surcharges for the first accident. I thought they could not surcharge for the first accident. What is the rule on this?...

060037-00

Parents’ liability for son’s auto
We insure a family where the son, age 24, lives with his parents and has his own personal auto policy. If the son is involved in an accident, is......

060077-00

Non-owned trailer
We have an insured who is a salesperson for a recreational vehicle dealer. Occasionally, the salesperson will take one of the campers, hook it up......

060084-00

Excluded drivers
How can insurers exclude a specific driver from a private-passenger auto policy?...

060101-00

PAP coverage for hauling boats in connection with business
My client has a personal auto policy. He also owns a business. About two or three times a year, he hauls boats that are connected with his......

060109-00

Parental liability
Our client has a youthful operator residing in their household under the age of 21 who has their own personal automobile policy. Are the......

060142-00

Connecticut Family Car Doctrine
If a parent allows their son to drive their car for convenience; and then the son lets his friend drive the car and they are subsequently in an......

060165-00

Connecticut minimum limits
Connecticut’s increased liability limits for personal auto policies went into effect on Jan. 1, 2018. Does that automatically increase the......

900002-00

Transportation expenses
Does a personal auto policy provide expenses for airfare if our insured is on vacation and his vehicle is stolen?...

900014-00

Medical payment for pets
Our insured was in an auto accident. The family dog, riding in the car, was hurt. Are the veterinarian’s bills covered under the medical......

900016-00

Camper trailers
My client has an auto camper-trailer on blocks at a campsite with an attached, screened-in porch. Is the porch covered against damage or loss on......

900019-00

Snowplowing—personal auto liability
My insured has a pickup truck as his personal vehicle. In the winter, he mounts a snowplow on it—for his personal use, he says. I am......

900025-00

Golf cart liability
Our client accidentally injured his golf partner when he lost control of the golf cart. He has asked whether there is any coverage under his auto......

900026-00

Volunteer drivers
One of my insureds drives her own personal vehicle in volunteer work for the Red Cross. She transports people to doctors and hospitals for......

900037-00

Named non-owned coverage
How does our agency provide coverage for people who do not insure owned autos on a personal automobile policy to protect them when they......

900040-00

Federal employee exclusion
My insured took a job with the U.S. Post Office. She became alarmed when she was told by her employer that her personal auto policy would not......

900046-00

Noncooperation
My client’s car was hit by another auto. Now the other driver’s insurer has denied coverage due to lack of cooperation by its insured.......

900049-00

Physical damage
We have a client who is the named insured on a personal auto policy covering his owned vehicle. His wife and son have leased another vehicle. Is......

900063-00

Military service and youthful operators
We insure a family whose young son is away serving in the military. Do we need to rate him as a youthful operator on his family’s auto policy?...

900069-00

Horse trailers covered
We insure a husband and wife who own eight automobiles and three trailers. They use the trailers to haul horses. Are the trailers covered under......

900079-00

Damage by rodent
The lights went out on my client’s Thunderbird. The mechanic found a mouse that had been chewing on the wires. Can a claim be made under the......

900082-00

Total loss—insurer’s option
Following a coastal storm, we had a loss involving a vehicle which had been subjected to immersion in salt water. The client had a $2,000 repair......

900087-00

Coverage for employer
My client’s employer wants to be covered while the client uses his personal auto for business-related activities. How can the employer be......

900089-00

Stolen auto scenarios
We recently had two situations involving stolen vehicles. In the first case, a stolen car hit our insured’s car. Can he collect from the......

900090-00

Trailer has coverage under personal auto policy
We have an insured with a tractor that he transports on a trailer pulled by his personal vehicle. He may be starting a lawn-mowing business. He......

900162-00

Comprehensive coverage applies to contact with deer
Would a collision with a deer be considered a “collision” under the personal auto policy and, therefore, covered under the collision......

900163-00

Coverage for day-care transport
Our insured provides family day-care in her home. When she is driving the children in her car, would any accident be covered under her personal......

900164-00

Duty to defend when limits exhausted
Under the personal auto policy, are the liability limits reduced by the legal costs of defending the claim?...

900165-00

Other state registrations
Does a Connecticut personal auto policy cover autos that are registered in other states?...

900168-00

Motor home not covered if rented to friend
Our client owns a motor home, insured under a personal auto policy. He wants to rent it to a friend and wants to know if it will still be covered......

900169-00

Damage to plow
We’ve run into a claim dispute over a snowplow attached to a pickup truck. The insurer is denying the claim for damage to the plow, based on......

900170-00

No license, no permit
We have a company that went ahead and added a 16-year-old to his parents’ auto policy, even though this teenager doesn’t have a......

900203-00

Non-owned motorcycle dilemma
We have been asked the following question but need to confirm the answer. Alexander, 21, took a short ride (about a half mile) on his......

900205-00

Third-party uninsured vehicle
Can an insurer deny payment for damages to a claimant’s vehicle if the claimant’s vehicle was uninsured at the time? The......

900232-00

Renting a moving truck
My client is renting a moving truck to move from one house to another. The rental company is telling him that his auto policy will not cover him......

900265-00

’Active duty’ clarification
We were told by one company that if a son/daughter is in “boot camp” or basic training that this is not considered active duty,......

900272-00

PAP coverage for vehicle contents
Our insured transported on his trailer a tool box belonging to his future son-in-law. The box was loaded negligently, flipping the trailer......

900274-00

Be careful when replacing vehicles
An insured contacted us to let us know of the purchase of a new vehicle and that he was trading in the old one shortly. Our insured also informed......

900288-00

Lending a vehicle to a friend
Our daughter has a vehicle, with her own insurance policy, away at school with her. She called me the other day to tell me the car was in an......

900289-00

Borrowing a friend’s truck to pick up supplies
I borrowed my friend’s pick-up truck so I could go to Home Depot and get some supplies. While I was borrowing it, I got into an accident. I......

900317-00

Insuring the lessor on a personal auto policy
My client insures a leased vehicle on a personal auto policy. The leasing company is requiring that it be added to the policy as an additional......

900328-00

Deceased auto policyholder
We have an auto policyholder who recently died and her children are wondering if they can drive the car. If they are insured while driving the......

900364-00

Pizza delivery
Our insured’s son just started working for a pizza shop. They are having him use his own car for the deliveries. I am worried there would be......

900386-00

DWI—collision coverage
I have a personal auto insured that was involved in an accident and was cited for driving while intoxicated. The carrier is disclaiming collision......

900399-00

Personal auto owned by trust
When a trust owns a vehicle insured on a personal automobile policy written in the name of the grantor, how do you reconcile coverage as primary......

900408-00

Automobile recall
Recently, an auto manufacturer had a recall on the air bags in some of their vehicles and they are advising consumers not to drive their vehicles......

900434-00

Thinking of pizza delivery while laid off from work
Our insured’s son just started working for a pizza shop because he has been temporarily laid off from work. They are having him use his own......