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Resource TitleDescriptionRating
Auto Medical Payments: Top 10 Reasons to Carry It

There are many benefits to carrying automobile medical payments coverage on a personal auto policy.


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BAP and Temporary Substitutes

Within a Business Auto Policy (BAP) are rented cars covered? As in most cases, it depends.

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 Numerous situations involving autos owned by individuals or corporations arise, whereby there is an attempt (often misguided) to save money by insuring a personally owned auto on a Business Auto Policy.

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Business Auto or Workers' Compensation Claim? When an insured operates a company car after hours for personal use, and gets injured in a car accident, does workers' comp apply, or the business auto PIP coverage? What if the insured is on call 24-hours-a-day for emergencies? See what the Big "I" Virtual University faculty have to say. (Log in required.) 1 2 3 4 5
Business Auto Policy and Vicarious Liability Coverage

The business auto policy gives automatic "insured" status to those who may be legally liable for the conduct of an insured.


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Canadian Auto ID Insurance Cards A recent email from an agent concerning Canadian automobile insurance ID cards for U.S. residents traveling to Canada caused me to do some research. After a phone call last week, and an email exchange just today I have "the answer." 1 2 3 4 5
Claim Denials via Florida Statute 627.409 It's likely that not one in 1,000 insurance professionals would know what Florida Statute 627.409 is and how it can result in a claim denial or even possibly an E&O claim. 1 2 3 4 5
Commercial Motor Vehicles 30-Day Cancellation Provision

What are the cancellation provisions for commercial automobile policies?

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Company Cars and the PAP

How do I insure a client who has a company car, but needs his own insurance to cover him when he uses the car for personal use?

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Credit Scoring Bill Summary

Effective January 1, 2004 the bill spells out how credit scores and credit reports may and may not be used by insurance companies.

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Deleting a Car and Cancelling a Homeowners Policy

“I have to educate people (staff and customers) that if you sell a car or house you don’t delete the car that day or cancel the homeowners policy that day; you do it the next day. I’ve never heard you talk about that in a class.” My reply was, “You need to attend even more of my classes because I routinely discuss this!” 

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Diminished Value and Automobile Physical Damage Coverage Does an automobile collision policy which provides that the insurer must repair or replace the damaged vehicle "with other of like kind and quality" obligate the insurer to compensate the insured in money
for any diminution in market value after the insurer completes a first-rate repair which returns the vehicle to its pre-accident level of performance, appearance, and function?
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Drive Other Car Coverage If the people provided the company car do not have their own personal auto policy (PAP) a serious gap in coverage exists, but can be easily corrected by one of several ways. 1 2 3 4 5
Employee Hired Autos-Employees Are Not You and Here is Why How to include employees as insureds using ISO's Business Auto Coverage form when they rent an auto in their own name and use it for business purposes. 1 2 3 4 5
Gap Coverage Unfortunately, when a total loss to a vehicle happens it's often a day filled with problems, namely a lack of funds to cover the loss. Many vehicle owners face the harsh reality that they still owe more on the auto loan than they receive from their insurance company. 1 2 3 4 5