OVERVIEW OF HNO, PHYSICAL DAMAGE, CASE STUDY. Presented by: Alliant Insurance
|
|
- Eustace Phelps
- 8 years ago
- Views:
Transcription
1 OVERVIEW OF HNO, PHYSICAL DAMAGE, CASE STUDY Presented by: Alliant Insurance
2 Session Overview At the end of this presentation, participants should be able to: 1. Define what HNO means 2. Understand how coverage applies to both Hired and Non-Owned vehicles 3. Identify what exposures exist for all organizations 4. Utilize risk management tools to mitigate exposures
3 HNO Are you protected?
4 What is HNO? H = Hired Auto Hired Auto means only those autos you lease, hire, rent or borrow. This does not include any auto you lease, hire, rent or borrow from any of your employees or partners or members of their households example vehicles you rent from Avis and Enterprise NO = Non-Owned Auto Non-Owned Auto means only those autos you do not own, lease, hire or borrow that are used in connection with your business. This includes autos owned by your employees or partners or members of their households but only while used in your business or your personal affairs
5 HNO Coverage Hired Auto Liability is third party liability (bodily injury or property damage) for an accident in a covered auto hired, rented or leased auto Non-Owned Auto Liability is third party liability (bodily injury or property damage) for an accident in a covered auto employee auto this is excess of any liability coverage provided by the employee Hired Auto Physical Damage (comprehensive and collision) is property damage to a hired, rented or leased auto
6 HNO Liability Limits For any claim or suit brought under the TTCA, the limit of liability amends to $250,000 Per Person $500,000 Per Accident for Bodily Injury and $100,000 Per Accident for Property Damage For any claim or suit not subject to the TTCA, the limit of liability amends to $1,000,000 Per Accident
7 Hired Auto Physical Damage Excess comprehensive and collision coverage for hired autos $50,000 limit, actual cash value or repair, whichever is less subject to a $1,000 deductible -No deductible applies for loss caused by fire or lightning Excess of contractual coverage provided under the Statewide master rental contracts with Enterprise and Avis
8 Case Studies
9 Case Study I John an employee of a state agency, is driving to an offsite meeting in his own personal auto. John has personal auto coverage on his vehicle with the required state financial responsibility law with limits of $30,000 per person/$60,000 per accident/$25,000 property damage per accident. John hits a pedestrian in the parking lot. What insurance coverage responds to the bodily injury of the pedestrian?
10 Case Study I - Continued Primary coverage is under John s personal auto policy. If the injury costs exceed the $30,000 limit available under John s policy, the state agency s (employer) nonowned coverage applies.
11 Case Study II Nick worked at the ABC University and assisted with many of the student foundation organizations. For an event that the university and foundation were sponsoring, he rented a box truck on behalf of his employer to transport various items to the event. While en route, he accidentally struck a tow truck operator who was assisting a driver of a disabled vehicle on the side of the highway. The tow truck operator died from his injuries, leaving a wife and children.
12 Case Study II - Continued During the investigation of the accident, Nick admitted that he was uncomfortable driving a truck of this size, and that he had been tired, and may have fallen asleep at the wheel. Additional information revealed that three calls were made to 911 reporting a truck that was "swerving all over the road," prior to striking the tow truck operator. Nick was cited by the police for driving too fast for conditions. Nick had no insurance, as he did not own a personal automobile. The family of the tow truck operator sued Nick's employer, the university, alleging wrongful death and negligent supervision. Liability was assessed at 100% adverse to the university, whose insurer has reserved over $1,000,000 for this loss. What coverage applies to this loss?
13 Case Study III A safety officer was involved in an automobile accident in a rental car while attending a Leadership Conference. The officer failed to yield the right-ofway in traffic and struck another vehicle, injuring the two passengers in the other vehicle. The insurance company, on behalf of the agency, paid out $252,000 in settlement to the claimant and defense costs and $13,000 in property damages to the rental car company.
14 Case Study III The insurance company, on behalf of the agency, settled this claim because the officer was driving a rental car, and all cars rented for agency purposes are covered. The coverages involved are: - Hired Auto Liability for the claimant and the defense costs - Hired Auto Physical Damage for the damages to the rented vehicle
15 Risk Management Tools In addition to purchasing insurance coverage, state agencies and universities should proactively implement controls to reduce and minimize these risks. At a minimum, you should: Identify all employees who operate their personal vehicles or rent vehicles for business; Require these employees to provide proof of adequate limits of automobile liability insurance, generally $250,000 or higher; Obtain MVRs on all employees with driving responsibilities, and review and evaluate the records against written criteria; if the MVRs are unacceptable, the employee should not be permitted to drive a personal vehicle or a rented vehicle on business; and Establish vehicle safety and driver training programs for all employees, and implement and monitor these programs on a regular basis, reducing auto liability.
16 What you don t know may hurt you! Many forget, or do not realize, that their agency or university has an additional and potentially serious exposure to loss that arises from employees or others using a hired or non-owned vehicle for business. This is a situation in which what you don't know may hurt you.
17 Questions?
r Commercial Auto & The Dreaded Rental Car Issue!
Education ProgramS r Commercial Auto & The Dreaded Rental Car Issue! sponsored by COMMERCIAL AUTO & THE DREADED RENTAL CAR ISSUE Robin Federici, CPCU, AAI, ARM, AINS,AIS, CPIW PO BOX 781 NORTH KINGSTOWN,
More informationMANITOBA PRESTIGE AUTO INSURANCE
Page License Plate Insurance... 2 Why Plate Insurance Isn t Enough... 2 Added Liability Protection... 3 Family Protection Coverage... 3 Vehicle Damage Deductible... 3 Seasonal Lay-Up Coverage... 3 Non-Owned
More informationGARAGE INSURANCE: The Basics How to make garage risks a part of your agency portfolio.
GARAGE INSURANCE: The Basics How to make garage risks a part of your agency portfolio. By Jim Krotki, CPCU An often overlooked source of commercial insurance prospects is garage business. Some agents are
More informationInsuring Business Vehicles
Insuring Business Vehicles WHAT IS BUSINESS VEHICLE INSURANCE? As a businessowner, you need some of the same insurance coverages for the cars, trucks, vans or other vehicles you use in your business as
More informationCoverage for Other People Using Your Car. Today s Lecture State Farm Car Policy. Other People s Use of Your Car - Example
Today s Lecture State Farm Car Policy Other people using your car Your using other cars Other people using other cars Coverage for Other People Using Your Car Anybody using your car with permission is
More informationBy Donald L. Brown. Commercial Auto Policy
By Donald L. Brown Every company owner should protect business operations with adequate insurance coverage. Yet the automobile liability requirements can be confusing because of seemingly overlapping coverages,
More informationTop 20. Insurance Claims
Top 20 Youth Soccer Insurance Claims Claim #1 UNDER APPEAL Coach in personal auto waves player onto highway en route to another practice facility. Player strikes oncoming motorcycle. Motorcyclist has severe
More informationCOMMERCIAL AUTOMOBILE EXPANSION ENDORSEMENT
THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. COMMERCIAL AUTOMOBILE EXPANSION ENDORSEMENT This endorsement modifies insurance provided under the BUSINESS AUTO COVERAGE FORM The following
More informationENDORSEMENT THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. SPECIMEN. This endorsement, effective at 12:01 A.M.
ENDORSEMENT THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. This endorsement, effective at 12:01 A.M. Policy No. By: Issued to: forms a part of BUSINESS AUTO BROAD FORM ENDORSEMENT FORM
More informationNonProfit 101. Notes: Session 1B: Insurance, What you do not know can hurt you! From Survivability to Sustainability. June 10, 2015 Session 1B page 1
Session 1B: Insurance, What you do not know can hurt you! Notes: June 10, 2015 Session 1B page 1 Session 1B: Insurance, What you do not know can hurt you! Notes: June 10, 2015 Session 1B page 2 June 10,
More informationFrequently Asked Questions
Frequently Asked Questions We have endeavored to answer the most frequently asked insurance questions. These are guidelines, generalizations not to be construed as coverage and/or guarantees. When you
More informationAuto Insurance Buyers Guide
Auto Insurance Buyers Guide Table of Contents Understand Your Rights as a Consumer...1 Introduction...... 2 Why You Need Auto Insurance...... 3 When to Shop for a New Auto Insurance Policy.. 4 How to Shop
More informationAUTOMOBILE INSURANCE COVERAGE FOR NS HOPA SUBSCRIBING MEMBERS
Risk Management Bulletin for Subscribing Members January 2014 AUTOMOBILE INSURANCE COVERAGE FOR SUBSCRIBING MEMBERS Insurance coverage provided by and Aviva to Subscribing Members includes automobile liability
More informationHow To Get A Car Insured
2013 COMMERCIAL LINES OOPS! (OFTEN OVERLOOKED POLICY SECTIONS) SPONSORED BY The policy says WHAT???!!! The OOPS!!! Commercial Lines OOPS Often Overlooked Policy Sections Michael C. D Orlando, CIC, LIA,
More informationWho s Insured On What Auto? Determining Insured Status on Personal and Business Auto Policies:
Who s Insured On What Auto? Determining Insured Status on Personal and Business Auto Policies: Presented by: Ted A. Kinney, CIC CPCU ARM AU AAM AAI CPIA Alabama Independent Insurance Agents Birmingham,
More informationNEFE High School Financial Planning Program Unit 6 Your Money: Keeping it Safe and Secure. Unit 6 - Insurance: Protecting What You Have
Unit 6 - Insurance: Protecting What You Have Common Exposures to Loss Exposure Risk Potential Loss Accident or Illness Loss of income from inability to work; uninsured medical bills; death UNLIMITED Property
More informationBusiness Auto Insurance
Business Auto Insurance Overview of Chapter 5, CPCU 4 I. Covered Autos II. III. IV. Liability Physical Damage Conditions V. Additional Coverages and Endorsements I. Covered Autos - common definition -
More informationUnderstanding your auto claim
Understanding your auto claim Filing a claim Immediately notify the police of an accident that damaged other s property or if you were the victim of a hitand-run accident, uninsured motorist, vandalism
More informationAuto Insurance? Why do I need automobile insurance? Questions piling up on. What does my auto policy cover? Here's help
Questions piling up on Auto Insurance? Why do I need automobile insurance? First, it s the law. Illinois law requires all motor vehicle owners to have certain auto insurance coverages. There may be others
More informationRental Car Coverage and the MAP - So Much Exposure & So Little Coverage!
Rental Car Coverage and the MAP - So Much Exposure & So Little Coverage! RENTAL CAR COVERAGE & THE MAP- SO MUCH EXPOSURE & SO LITTLE COVERAGE Robin Federici, CPCU, AAI, ARM, AINS, AIS, CPIW PO BOX 781
More informationNew York Car Accident Lawyers
New York Car Accident Lawyers What you need to know when you are hurt in a car accident An ebook by Stuart DiMartini, Esq. 1325 Sixth Avenue, 27 th Floor New York, NY 10019 212-5181532 dimartinilaw.com
More informationONYX BUSINESS AUTO POLICY COVERAGE
ONYX BUSINESS AUTO POLICY COVERAGE Various provisions in this policy restrict overage Read the entire policy carefully to determine rights, duties and what is and is not covered. Throughout this policy
More informationBusiness Auto Insurance (Not in Text)
Business Auto Insurance (Not in Text) Overview I. Covered Autos II. III. IV. Liability Physical Damage Conditions V. Additional Coverages and Endorsements I. Covered Autos business auto form provides flexibility
More informationBUSINESS INSURANCE FAQ
BUSINESS INSURANCE FAQ Q: What is Business Insurance? A: We strive to understand your risk tolerance and financial ability to withstand the spectrum of potential losses and develop insurance programs to
More informationAbout NonProfits United
About NonProfits United NonProfits United is California s oldest self-insurance alternative for nonprofit organizations. NPU was groundbreaking and original in its conception, and continues to pioneer
More informationAUTO INSURANCE OUR MISSION IS YOU. AUTOMOBILE INSURANCE. www.afi.org
AUTO INSURANCE OUR MISSION IS YOU. AUTOMOBILE INSURANCE www.afi.org Our Mission Like those who serve our nation, AFI is dedicated to delivering protection and peace of mind. Our unwavering commitment to
More informationmade simple Auto Insurance What s included:
Auto Insurance made simple What s included: How to read your Allstate Auto Policy Declarations Understanding auto insurance: Coverages Deductibles Coverage limits What to do in case of an accident Frequently
More informationBUSINESS AUTO DECLARATIONS
COMMERCIAL AUTO B CA DS 03 01 12 Issuing Company: Tri-State Insurance Company of Minnesota Policy No.: Previous Policy No.: BUSINESS AUTO DECLARATIONS ITEM ONE NAMED INSURED AND ADDRESS AGENCY NAME AND
More informationCOMMERCIAL AUTOMOBILE PLUS EXTENSION ENDORSEMENT
ATTACHED TO AND FORMING PART OF POLICY NUMBER: COMMERCIAL AUTO THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. COMMERCIAL AUTOMOBILE PLUS EXTENSION ENDORSEMENT This endorsement modifies
More informationAMENDATORY ENDORSEMENT NORTH CAROLINA PERSONAL AUTO POLICY
AMENDATORY ENDORSEMENT NORTH CAROLINA PERSONAL AUTO POLICY This Endorsement amends the Policy as follows: I. DEFINITIONS The Definitions Section is amended as follows: A. The third paragraph is replaced
More information1-800-927-4357. www.insurance.ca.gov. Automobile. Insurance. California Department of Insurance
1-800-927-4357 www.insurance.ca.gov Automobile Insurance California Department of Insurance Table of Contents Page 2 Introduction to Auto Insurance 4 Auto Insurance Costs 6 Liability Coverage and California
More informationAUTOMOBILE LIABILITY & PHYSICAL DAMAGE COVERAGE AGREEMENT PART A GENERAL
AUTOMOBILE LIABILITY & PHYSICAL DAMAGE COVERAGE AGREEMENT PART A GENERAL I. The TASB Risk Management Fund (Fund) provides coverage as outlined in this Automobile Liability & Physical Damage Coverage Agreement.
More informationRisk Management And Insurance
Risk Management And Insurance In a Sober Living Environment, CPCU, ARM National Program Director Addiction Treatment Providers Insurance Program 610-941-9877 ext. 225 rjwilletts@nsminc.com Rich is a 30-year
More informationArkansas. Insurance Department AUTOMOBILE INSURANCE. Mike Beebe Governor. Jay Bradford Commissioner
Arkansas Insurance Department AUTOMOBILE INSURANCE Mike Beebe Governor Jay Bradford Commissioner A Message From The Commissioner The Arkansas Insurance Department takes very seriously its mission of consumer
More informationBusiness Auto Insurance. made simple
Business Auto Insurance made simple What s inside: How to read an Allstate Business Auto Policy Declarations Understanding business auto insurance: Deductibles Coverage limits Frequently asked questions
More informationAUTOMOBILE INSURANCE HOW MUCH COVERAGE DO I NEED?
HM 680 April 1991 $ $$ Southern Selection AUTOMOBILE INSURANCE HOW MUCH COVERAGE DO I NEED? You may not realize how much you rely on your car until something happens and you are unable to use it. You cannot
More informationAUTO INSURANCE PROTECTION WHILE YOU RE ON THE ROAD
AUTO INSURANCE PROTECTION WHILE YOU RE ON THE ROAD PROTECTION WHILE YOU ARE ON THE ROAD TO YOUR DREAMS LIABILITY COVERAGE What is Auto Insurance Coverage? An auto insurance policy is a package of several
More informationInsurance Policy Statement
Insurance Policy Statement Any company or individual performing work for the City of Coos Bay (hereinafter the City ) or hosting a special event on City property shall be required to provide proof of insurance
More informationNATIONAL PANHELLENIC CONFERENCE, INC. Summary of Insurance Coverages. for. College and Alumnae Panhellenic Associations
NATIONAL PANHELLENIC CONFERENCE, INC. Summary of Insurance Coverages for College and Alumnae Panhellenic Associations June 1, 2015 June 1, 2016 Insurance Program Presented By: MJ INSURANCE Sorority Division
More informationOntario Automobile Policy (OAP 1)
Ontario Automobile Policy (OAP 1) Owner's Policy Approved by the Superintendent of Financial Services for use as the standard Owner's Policy on or after January 1, 2001. About This Policy This is your
More informationWhat is an insurance policy? Financial Risk: Insurance Questions and Answers. What is insurable interest? What is insurable interest?
Financial Risk: Insurance Questions and Answers What is an insurance policy? A legally binding contract Insurance company and the policyholder (person insured) In exchange for payment (premium) The insurance
More informationOverview of NICA Insurance Policy
Overview of NICA Insurance Policy Clubs: General Liability (includes coverage for trail maintenance and repair by the club. Club rides, training rides/races and other club functions such as meetings and
More informationWhat is a definition of insurance?
What is a definition of insurance? A system of protection against loss in which a number of individuals agree to pay certain sums for a guarantee that they will be compensated for a specific loss. Every
More informationSASKATCHEWAN PRESTIGE AUTO INSURANCE
Licence Plate Insurance... 2 Why Plate Insurance Isn t Enough... 3 Added Liability Protection... 4 Family Protection Coverage... 4 Vehicle Damage Deductible... 5 Accident Benefits... 5 Non-Owned Driver
More informationNLC Pools Liability Coverage Documents Volunteer Coverage Definitions
NLC Pools Liability Coverage Documents Volunteer Coverage Definitions Pool 1 The program may at their option provide additional coverage, as provided under this Program, for extraterritorial activities
More informationCORPORATE ID: 1760-818 19-527 WILLIAM PENN HOUSE 515 E CAPITOL ST SE WASHINGTON DC 20003
CORPORATE ID: 001213544 1760-818 19-527 WILLIAM PENN HOUSE 515 E CAPITOL ST SE WASHINGTON DC 20003 A N N U A L R E N E W A L C E R T I F I C A T E POLICY NUMBER 1760-818 - ARC FIRST NAMED INSURED PRODUCER
More informationNEW YORK CHANGES IN BUSINESS AUTO, BUSINESS AUTO PHYSICAL DAMAGE, MOTOR CARRIER AND TRUCKERS COVERAGE FORMS
COMMERCIAL AUTO CA 01 12 04 09 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. NEW YORK CHANGES IN BUSINESS AUTO, BUSINESS AUTO PHYSICAL DAMAGE, MOTOR CARRIER AND TRUCKERS COVERAGE FORMS
More informationEconomic Education for Consumers Chapter 14 Study Guide Automobile and Home Insurance: Sharing the Risk
Economic Education for Consumers Chapter 14 Study Guide Automobile and Home Insurance: Sharing the Risk Section 14-1 Insurance Basics Define Risk Management. Define Shared Risk. How do insurance companies
More informationGuide to Knowing Your Auto
Guide to Knowing Your Auto & Homeowners Insurance Options Presented by: 1 When it comes to insurance, you can never know too much. What type of insurance is available and how much coverage you need? And
More informationLOUISIANA HIRED AUTO AND NON-OWNED AUTO LIABILITY/UNINSURED MOTORISTS INSURANCE (BODILY INJURY)
POLICY NUMBER: COMMERCIAL GENERAL LIABILITY CG 04 19 01 96 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. LOUISIANA HIRED AUTO AND NON-OWNED AUTO LIABILITY/UNINSURED MOTORISTS INSURANCE
More informationCAMBRIDGE PROPERTY & CASUALTY SPECIAL REPORT
CAMBRIDGE PROPERTY & CASUALTY SPECIAL REPORT INSURANCE ISSUES RELATED TO THE SHORT-TERM RENTAL OF CARS This Special Report was written by Kenneth R. Hale, J.D., CPCU, AAI, LIC. Mr. Hale is Chairman of
More informationDoes Automobile Insurance Follow the Car or the Driver?
Page 1 of 6 View this article online: http://www.claimsjournal.com/news/national/2014/06/05/249762.htm Does Automobile Insurance Follow the Car or the Driver? By Gary Wickert June 5, 2014 Article 2 Comments
More informationEXCURSION HANDBOOK SECTION
EXCURSION HANDBOOK SECTION 14 Information Regarding Insurance, Liability and Safekeeping of Funds Pages 75-78 Prepared By: The Health/Physical/Outdoor Education Department TABLE OF CONTENTS 75-78 SECTION
More informationAuto Insurance for New Mexico s Young Drivers
Auto Insurance for New Mexico s Young Drivers Prepared for New Mexico s Young Drivers and Their Parents by: One of the major events in many people s lives is earning the privilege of driving a motor vehicle.
More informationState Office of Risk Management Auto Symposium 2015 Commercial Statewide Auto Program Basics
State Office of Risk Management Auto Symposium 2015 Commercial Statewide Auto Program Basics 1. Business Auto Conditions 2. Business Auto Coverages 3. Business Auto Coverage Expansions 4. Endorsements
More informationinsurance auto insurance
insurance auto insurance our mission The mission of The USAA Educational Foundation is to help consumers make informed decisions by providing information on financial management, safety concerns and significant
More informationC14 Automobile Insurance Part 1 Ontario
Sample Exam C14 Automobile Insurance Part 1 Ontario IMPORTANT The time allowed for this exam is 3 hours. Total marks: 200 You must hand in this paper and any paper used for rough work to the supervisor
More informationOntario Automobile Policy (OAP 1)
Ontario Automobile Policy (OAP 1) Owner's Policy Approved by the Superintendent of Financial Services for use as the standard Owner's Policy on or after January 1, 2007. About This Policy This is your
More informationBUSINESS AUTO EXPOSURES AND COVERAGE
BUSINESS AUTO EXPOSURES AND COVERAGE SANDI KRUISE INSURANCE TRAINING 1-800-517-7500 www.kruise.com Copyright Sandi Kruise Insurance Training, 2003-2015, all rights reserved TABLE OF CONTENTS BUSINESS AUTO...
More informationArkansas. Arkansas. Insurance Department. Insurance Department AUTOMOBILE INSURANCE. For more information contact: Allen Kerr Commissioner
For more information contact: Arkansas Insurance Department Arkansas Insurance Department AUTOMOBILE INSURANCE Asa Hutchinson Governor Allen Kerr Commissioner Consumer Services Division 1200 W. Third Street,
More information10 Commercial Automobile
10 Commercial Automobile Learning Objectives When you finish this study, you should be able to meet the following objectives: Explain the need for forms, endorsements, and agreements in addition to the
More informationNew Jersey AUTO INSURANCE
New Jersey AUTO INSURANCE Buyer s Guide Chris Christie Governor Kim Guadagno Lt. Governor Ken Kobylowski Commissioner NJM Insurance Group offers personal auto insurance in the voluntary market through
More informationConsumer Legal Guide. Your Guide to Automobile Insurance and Accidents
Consumer Legal Guide Your Guide to Automobile Insurance and Accidents WHAT TYPES OF COVERAGES ARE AVAILABLE? Generally, automobile insurance policies provide Bodily Injury and Property Damage Liability
More informationThe Nuts & Bolts of Insurance for Nonprofits
The Nuts & Bolts of Insurance for Nonprofits www.steelbridgeins.com 888.647.4777 It s more than what you need. It s what you deserve. Purchasing insurance for a nonprofit organization can be a confusing
More informationWarning! Warning! A plain vanilla Business Auto Policy (BAP) does not serve as a substitute for a
The Business Auto Policy, AKA The Commercial Auto Program Warning! Warning! A plain vanilla Business Auto Policy (BAP) does not serve as a substitute for a Personal Auto Policy (PAP). Unless you're in
More informationHow To Manage Risk At The Foundation
SECTION 20 RISK MANAGEMENT AND LEASES Policy Sequence 20-000 Aug 2012 LEASES Policy # 20-000.1 PURPOSE The Foundation enters into leases on behalf of Projects and Campus Program accounts. A Lease may be
More informationPENNSYLVANIA SURCHARGE DISCLOSURE STATEMENT
PENNSYLVANIA SURCHARGE DISCLOSURE STATEMENT AU PA0d 0 GENERAL GENERAL GE In accordance with Pennsylvania Law, we are providing you with an explanation of our Safe Driver Insurance Plan, under which your
More informationNEW JERSEY AUTO INSURANCE
NEW JERSEY AUTO INSURANCE BUYER S GUIDE Chris Christie Governor Kim Guadagno Lt. Governor Richard J. Badolato Acting Commissioner NJM Insurance Group offers personal auto insurance in the voluntary market
More informationFrequently Asked Questions
Overview of NICA Insurance Policy National Interscholastic Cycling Association 2414 Sixth Street Berkeley CA 94710 (510) 524-5464 www.nationalmtb.org Clubs: General Liability (Includes coverage for Trail
More informationDrive confidently. Protecting that investment with a Stillwater Auto policy helps you do those things confidently.
AUTO INSURANCE Drive confidently With the exception of your home, your car is probably the most valuable thing you own. It s an investment one you rely on every day to commute, shuttle the kids, run errands
More informationInsurance Policy Statement
Insurance Policy Statement Any company or individual performing work for Southwestern Oregon Community College District (hereinafter the College ) shall be required to provide a certificate of insurance
More informationHandling Your Own Property Damage Claim After An Auto Accident in Texas
Handling Your Own Property Damage Claim After An Auto Accident in Texas Table of Contents Handling Your Own Property Damage Claim after an Auto Accident in Texas... 1 Introduction... 3 Chapter 1... 4 Important
More informationNEW JERSEY AUTO INSURANCE BUYER S GUIDE. Chris Christie Governor. Kim Guadagno Lt. Governor. Commissioner
NEW JERSEY AUTO INSURANCE BUYER S GUIDE Chris Christie Governor Kim Guadagno Lt. Governor Commissioner WHERE DO I START?... 1 UNDERSTANDING YOUR POLICY... 2-6 Types of Coverages Standard and Basic Policies
More informationTABLE OF CONTENTS Minimum Provisions for Automobile Liability Insurance Policies Covering Motor Vehicles
Insurance Department Sec. 38a-334 page 1 (10-00) TABLE OF CONTENTS Minimum Provisions for Automobile Liability Insurance Policies Covering Motor Vehicles Required areas of coverage.... 38a-334-1 Definitions....
More informationChapter 10. Chapter 10 Learning Objectives. Insurance and Risk Management: An Introduction. Property and Motor Vehicle Insurance
Chapter 10 Property and Motor Vehicle Insurance McGraw-Hill/Irwin Copyright 2012 by The McGraw-Hill Companies, Inc. All rights reserved. 10-1 Chapter 10 Learning Objectives 1. Develop a risk management
More informationChapter 10 Auto Insurance in the United States
Chapter 10 Auto Insurance in the United States Overview If you hit a pedestrian, another car, a large animal or bird, or another object while driving your car, damage is likely to result. You could injure
More informationJune 7, 2011. Plan Participants of the Priest Personal Automobile Insurance Policy Year: July 1, 2011 July 1, 2012. Included in this packet are:
Print date: July 1, 2011 June 7, 2011 Re: Plan Participants of the Priest Personal Automobile Insurance Policy Year: July 1, 2011 July 1, 2012 Included in this packet are: Dear Father, A new vehicle insurance
More informationOntario Automobile Policy (OAP1)
Ontario Automobile Policy (OAP1) Owner s Policy Approved by the Superintendent of Financial Services for use as the standard Owner's Policy on or after September 1, 2010. About This Policy This is your
More informationHome and Automobile Insurance Guide
Home and Automobile Insurance Guide General Information Finding the best insurance policies to suit your needs can be a complex and confusing business. To help you, we have addressed questions and defined
More informationAuto. The Instant Insurance Guide: What To Do If You re In An Accident. Info and tips for buying automobile and motorcycle insurance in Delaware
What To Do If You re In An Accident Stop and keep calm. Do not drive away from an accident. Do not argue with the other driver over the cause. Call an ambulance, if needed. Do what you can to provide first
More informationAuto. The Instant Insurance Guide: Info and tips for buying automobile and motorcycle insurance in Delaware. www.delawareinsurance.
The Instant Insurance Guide: Auto Info and tips for buying automobile and motorcycle insurance in Delaware From Karen Weldin Stewart, CIR-ML Delaware s Insurance Commissioner 1-800-282-8611 www.delawareinsurance.gov
More informationRISK MANAGEMENT WESTERN KENTUCKY UNIVERSITY. Wetherby Administration Building Room G19 745-5859
RISK MANAGEMENT AT WESTERN KENTUCKY UNIVERSITY Wetherby Administration Building Room G19 745-5859 RISK MANAGEMENT AT WESTERN KENTUCKY UNIVERSITY OUTLINE OF ITEMS TO BE COVERED INTRODUCTION INSURANCE POLICIES
More informationAutomobile Insurance 1
FCS7020 Automobile Insurance 1 Nayda I. Torres and Josephine Turner 2 An automobile is often the most expensive property that people own, next to a home. As a result, protection against loss of an automobile
More informationEducational Guide to Automobile Insurance
Educational Guide to Automobile Insurance Who needs auto insurance? Suppose you have an auto accident and you hurt or kill someone, damage someone else s property or damage your own car. If you are found
More informationChanging Tort Reform In Kentucky Christel Siglock. By changing its current No-Fault and Tort law options, Kentucky could; 1) Reduce the
Changing Tort Reform In Kentucky Christel Siglock By changing its current No-Fault and Tort law options, Kentucky could; 1) Reduce the number of lawsuits filed, 2) Thus reducing insurance company payouts
More informationAUTO INSURANCE POLICY
AUTO INSURANCE POLICY WHERE TO FIND IT INSURANCE AGREEMENT AND DECLARATIONS GENERAL DEFINITIONS AUTOMOBILE LIABILITY Additional Definitions For This Coverage Coverage Provided Additional Benefits We Will
More information2 nd Notice AHCCCS Insurance Requirements ACTION REQUIRED September 29, 2014 Page 1 of 5
Dear Providers and Staff: 2 nd Notice ACTION REQUIRED September 29, 2014 Page 1 of 5 We distributed a blast fax communication to you on July 16 explaining that effective October 1, 2013 AHCCCS updated
More informationCOMMERCIAL PPA EDITION
NEW JERSEY AUTO INSURANCE BUYER S GUIDE COMMERCIAL PPA EDITION For Individually Owned Private Passenger Automobiles Written on Commercial Insurance Policies WHAT S INSIDE WHERE DO I START?...PAGE 2 UNDERSTANDING
More informationOntario Automobile Policy (OAP 1) Owner s Policy
Ontario Automobile Policy Approved by the Superintendent of Financial Services for use as the standard Owner's Policy on or after September 1, 2010. About This Policy This is your automobile insurance
More informationAutomobile Insurance Guide
Automobile Insurance Guide Page 1 Simply stated, automobile insurance is a contract between you and your insurance company that protects you against financial loss if you are in an accident. Auto policies
More informationPLYMOUTH ROCK ASSURANCE CORPORATION. Extended Coverages for Motor Club Members
PLYMOUTH ROCK ASSURANCE CORPORATION Extended Coverages for Motor Club Members The benefits and enhancements provided by this endorsement are available only to policies issued to members in good standing
More informationSport INSURANCE PROGRAM PREPARED FOR ONTARIO UNDERWATER COUNCIL & MEMBER CLUBS TERM: JANUARY 1, 2015 TO JANUARY 1, 2016
INSURANCE PROGRAM PREPARED FOR ONTARIO UNDERWATER COUNCIL & MEMBER CLUBS TERM: JANUARY 1, 2015 TO JANUARY 1, 2016 INTRODUCTION The following is a Summary of the Insurance Coverage which provides you with
More information1. What types of damages could you cause while you are driving?
Bellwork 1-9-15 Never lend your car to anyone to whom you have given birth. Erma Bombeck, Humor Writer 1. What types of damages could you cause while you are driving? 2. Do you know how much auto body
More informationauto insurance protecting your dreams
auto insurance protecting your dreams Every day your car takes you from Point to Point and points in between. You re headed somewhere school, work, or to pick up some groceries. Visiting friends, a weekend
More informationLOUISIANA DEPARTMENT OF INSURANCE. Consumer s Guide to. Auto. Auto Insurance. James J. Donelon, Commissioner of Insurance
LOUISIANA DEPARTMENT OF INSURANCE Consumer s Guide to Auto Auto Insurance Insurance James J. Donelon, Commissioner of Insurance A message from Commissioner of Insurance Jim Donelon Some of us spend up
More informationNEW JERSEY AUTO SUPPLEMENT
AGENCY AGENCY CUSTOMER ID: NEW JERSEY AUTO SUPPLEMENT NAMED INSURED(S) POLICY NUMBER EFFECTIVE DATE CARRIER NAIC CODE NEW JERSEY AUTO INSURANCE BUYER'S GUIDE New Jersey Department of Banking and Insurance
More informationNEW JERSEY AUTO INSURANCE BUYER S GUIDE *C00179480010000001* PL-50074 (03-12) Page 1 of 9 000001/00000 S1347I03 7668 07/23/12
NEW JERSEY AUTO INSURANCE BUYER S GUIDE *C00179480010000001* 000001/00000 S1347I03 7668 07/23/12 PL-50074 (03-12) Page 1 of 9 WHAT S INSIDE WHERE DO I START?... UNDERSTANDING YOUR POLICY... Types of Coverage
More informationMVR & Insurance Procedures Office of Risk Management
MVR & Insurance Procedures Office of Risk Management These procedures provide guidance concerning the requirements for Motor Vehicle Record (MVR) checks, vehicle operator training, and insurance. A. MOTOR
More informationINFORMATION NOTICE AUTO POLICY SUMMARY AND RELATED DISCLOSURES
INFORMATION NOTICE AUTO POLICY SUMMARY AND RELATED DISCLOSURES THIS INFORMATIVE BOOKLET, CONTAINING: a) Information notice, including policy summary and related disclosures, and b) Glossary, SHALL BE AVAILABLE
More information