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This resource discusses gap coverages

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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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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
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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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
Listing As A Driver This articles looks at what listing someone as a driver does do, and more importantly what it does not do. 1 2 3 4 5
Live-in Situations and the PAP I have multiple cars and only my name is listed as a named insured, but my girlfriend and her daughter drive both cars.  What coverage gaps do I have? 1 2 3 4 5
Living Together—It Might Simplify Life But It Complicates Insurance When couples live together, it creates coverage gaps. Learn what they are and what recommendations to make to insureds.

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Moving Trucks, Motor Homes, and the PAP Liability coverage is provided for the named insured, resident spouse, and resident family members for “…the ownership, maintenance, or use of any auto or trailer.” Thus your insured is covered for liability claims when using the motor home or U-haul truck. Even though “auto” may seem to imply a private passenger type car, the term is not defined in the ISO policy 1 2 3 4 5