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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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 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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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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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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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
Golf Carts Even with the coverage provided by HO2000 many clients will still need a separate policy to properly cover their golf cart exposure. 1 2 3 4 5
Helmet Law and Insurance Coverage

The 2000 legislative session resulted in legislation passing which exempts certain motorcycle riders from wearing a helmet, effective July 1, 2000. With passage of the bill Florida becomes the 30th state to allow the operation of a motorcycle without a helmet. 

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Host Liquor Liability

Tis the season to make merry and people are asking about liability coverage for their host liquor exposure. Though the ISO homeowners policy has no liquor exclusion, there is some concern about the new and 'improved' auto exclusion in the HO 2000.


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Kids Away At School Is my child covered under my insurance while away at school 1 2 3 4 5
Kids Cars and Insurance

“Should I title this car in my name or the name of my kid?”  The parent is usually asking an economic question, with a true question of “What's the cheapest way to get by?” So, from an insurance standpoint, how is the best way to survive the teen driving years?

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Leased Vehicles—Liability Limits Required What should an agent do if his client's auto leasing company only requires $300,000 combined single limit of liability coverage? 1 2 3 4 5
Leasing a Company Car to Yourself Saving money on expenses has always been something of a national pastime. These days, it often borders on an obsession. Often, prudent measures taken to make responsible purchasing decisions pay off. However, many efforts to cut costs could only be described as "penny wise and pound foolish." 1 2 3 4 5
Leasing Your Auto to Your Company There are options, but are any of them good ones? 1 2 3 4 5