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Commercial auto
290045-00
No-fault: out-of-state PIP
We wrote a business auto policy for a law firm. One partner, who normally drives a corporate-owned vehicle, was injured while a passenger in a......
290068-00
Self-insurance
How can someone become a self-insurer for motor vehicle insurance? What’s involved?...
290124-00
PIP coverage—Broadened PIP
How do you insure a corporate officer who has no personal auto policy?...
290175-00
Step-down provision
I think I am correct that if a passenger in a commercial vehicle has an uninsured motorist claim, that the maximum limits recoverable under the......
290177-00
Underinsured motorists physical damage
My client was driving a truck carrying $18,000 worth of cabinetry when struck by another vehicle whose driver was at fault. The vehicle is insured......
290280-00
Excluding drivers
Our agency staff had a commercial-lines meeting and were discussing whether insurers in New Jersey can exclude certain drivers on their policies.......
290296-00
Tort options for commercial auto
I wrote a business auto policy for a corporation owning a private-passenger-type auto and requested the “no limit on lawsuit” no-fault......
900012-00
Symbols: your key to what’s covered
Under the Business Auto Policy, could you discuss the difference between using Symbol 1, as compared to Symbols 7, 8 and 9, to indicate whether......
900027-00
Symbol 1—named insured
My client owns a vehicle scheduled on a personal auto policy. He also has a business auto policy naming him as an individual with covered autos......
900031-00
Drive-other-car coverage
My insured submitted a claim on a commercial automobile policy. The insured doesn’t have a personal automobile policy, because their four......
900039-00
Temporary substitutes
My client has a furnished auto and does not have a personal auto policy. Will the business auto policy cover a temporary substitute auto, if needed?...
900048-00
Stated amount
An antique auto insured under a business auto policy was stolen. The amount the insurer offered was less than the stated value. Is this correct?...
900093-00
Primary or excess?
An employee of our commercial auto policyholder had an accident in his personal vehicle. Our policyholder has two policies through two different......
900241-00
Coverage for valet parking
I was wondering what coverage issues arise when I permit a valet-parking attendant to drive my vehicle. If there is an accident, how will my......
900252-00
Commercial auto—suspension of coverage
When using ISO form CA 02 40—Suspension of Coverage, will an additional premium be issued once the suspension period is over? Would the......
900264-00
Borrowed motorcycle
On a commercial auto policy, if a customer borrows a motorcycle that is owned by a corporation (named insured) and is involved in an......
900307-00
Hired and non-owned vs. drive-other-car coverage
Does drive-other-car coverage typically cover “hired and non-owned”-type vehicles? If I am a company employee, with a corporate......
900311-00
BAP coverage for trailer owned by corporate officer
Our corporate client wants to pull an officer-owned trailer having a load capacity of less than 3,000 pounds behind a corporate-owned......
900315-00
Vehicle liability for individual co-signer on a business lease
I have a commercial insurance client who recently co-leased a vehicle in both the name of his company and an individual who does not have......
900324-00
Loss of use
A client purchases an ISO Business Auto Policy with physical damage coverage. How would you describe its provisions for the loss-of-use coverage?...
900353-00
Garage employee’s use of owner’s commercial vehicle
My client has a fleet of commercial vehicles. The garage where the owner gets these vehicles repaired/maintained comes to the owner’s place......
900373-00
Corporate-owned vehicle
Can a corporate-owned auto (or LLC-owned auto) be insured under a personal auto policy or must it be insured under a business auto policy?...
900384-00
Commercial auto—care, custody, and control
Our insured has a fleet of vehicles, one of which is the owner’s truck. In the evening it is driven home and parked in the driveway.
The......
900413-00
Incorrect lessor named
I quoted a commercial automobile policy for someone using a copy of the prior policy. The lessor for a scheduled vehicle was not the current one,......
900414-00
Ownership of scheduled commercial vehicle
My client is a sole proprietor who uses a commercial vehicle in his business. His wife owns the vehicle. Is there any coverage issue when the......
900422-00
Federal electronic-driving device rule for truckers
Our clients are talking about a new electronic-driving device rule for motor carriers. Can you give us some information on this?...
900503-00
Trucker’s general liability
What does a trucker’s general liability policy cover when not operating vehicles covered on the motor carrier policy?...