WRONGFUL DISCLAIMERS OF UM and UIM COVERAGE UNDER BUSINESS AUTO POLICIES

Save this PDF as:
 WORD  PNG  TXT  JPG

Size: px
Start display at page:

Download "WRONGFUL DISCLAIMERS OF UM and UIM COVERAGE UNDER BUSINESS AUTO POLICIES"

Transcription

1 WRONGFUL DISCLAIMERS OF UM and UIM COVERAGE UNDER BUSINESS AUTO POLICIES BY: James C. Haggerty HAGGERTY, GOLDBERG, SCHLEIFER & KUPERSMITH, P.C Market Street, Suite 2700 Philadelphia, PA (267) In assessing available coverage, business auto policies present different issues than personal auto policies. Many insurers do not seem to understand the nature and extent of coverage under business auto policies in the context of uninsured ( UM ) and underinsured ( UIM ) motorist claims. As a result, UM and UIM claimants are sometimes faced with invalid disclaimers of coverage for claims presented under business auto policies. An understanding of the workings of a business auto policy is necessary in order to understand the invalid nature of these disclaimers of UM and UIM coverages. Personal auto policies insure both individuals and vehicles. Coverage extends to the named insured and resident relatives. The protections afforded by the personal auto policy follow those persons regardless of the vehicle involved in the collision. Coverage also extends to vehicles listed on the policy (as well as substitute or replacement vehicles). As a result, persons other than the named insured and resident relatives,who are using an insured vehicle with permission, will also enjoy the coverages provided by the policy. Business auto policies, on the other hand, are generally designed to insure only autos. Individuals are afforded coverage while occupying a covered auto. Coverages are extended to autos through covered auto symbols listed on the Declarations Pages. Often, uninsured and underinsured motorist coverages are limited to specifically described autos (symbol 7) or owned autos subject to no-fault laws (symbol 6) while liability coverage is extended to any auto (symbol 1). These coverage limitations apply to UM and UIM benefits where the named insured is a corporation. These coverage limitations, however, do not extend to UM and UIM coverages where the business auto policy is issued to an individual. Nonetheless, it is not unusual for an insurer to deny UM and UIM coverage under a business auto policy issued to an individual for reasons that would apply only where the named insured is a corporation. Such disclaimers are invalid. UM and UIM coverages under a business auto policy are not always limited to designated vehicles. Personal auto features may be added to a business auto policy issued to a corporationby endorsement, e.g. a Drive Other Car Endorsement. Even absent such endorsements, a business auto policy issued to an individual extends UM and UIM coverage in much the same way as a personal auto policy. The individual named insured under the business auto policy, and family members, have UM and UIM coverage under the business auto policy regardless of the identity of the vehicle involved in the accident. Nonetheless, insurers routinely deny UM and UIM coverage to an individual named insured under a business auto policy 1

2 because a designated auto was not involved in the collision. Such a disclaimer is invalid. An example helps illustrate the issue. A business auto policy is issued to an individual. Covered autos for uninsured and underinsured motorist coverages are identified on the Declarations Pages by covered auto symbol 7. The policy defines that symbol as follows: Description of Covered Auto Designation Symbols Symbol 7 Specifically Described Autos Only those autos described in Item Three of the Declarations for which a premium charge is shown... Business Auto Coverage Form CA , p. 1 of 11. In the example, the individual named insured is then injured in an automobile accident while a passenger in a friend s car. The individual named insured recovers liability monies from the striking vehicle and UIM monies from the insurer of the car the named insured is occupying. Claim is then made for recovery of additional UIM benefits under the business auto policy issued to the individual named insured. The business auto insurer denies coverage on the basis that the policy limits UIM coverage, by covered auto symbol 7, to specifically described vehicles, alone. A typical disclaimer from an insurer states: Our investigation has shown that your client was traveling in a vehicle not listed on our insured s policy when a motor vehicle accident occurred. The vehicle involved in this unfortunate accident was not insured under this business auto policy. Therefore, there is no coverage as the vehicle involved is not a listed vehicle on the policy. This coverage analysis by the insurer wrongfully ignores the fact that UIM coverage is afforded to the individual named insured and family members under the policy. UIM coverage is not just provided to occupants of specifically described autos. The disclaimer, therefore, is invalid. Nonetheless, insurers often persist in this type of disclaimer to the detriment of the unsophisticated claimant. Underinsured motorist coverage in a business auto policy, like all auto policies, is set forth in a separate coverage part of the policy. That coverage part (or endorsement) defines persons eligible to recover UIM benefits. The standard ISO policy defines an Insured for UIM recovery as follows: A. Who Is An Insured If the Named Insured is designated in the Declarations as: 1. An individual, then the following are insureds : 2

3 a. The Named Insured and any family members. b. Anyone else occupying a covered motor vehicle or a temporary substitute for a covered motor vehicle. The covered motor vehicle must be out of service because of its breakdown, repair, servicing, loss or destruction. c. Anyone for damages he or she is entitled to recover because of bodily injury sustained by another insured. 2. A partnership, limited liability company, corporation or any other form of organization, then the following are insureds : a. Anyone occupying a covered motor vehicle or a temporary substitute for a covered motor vehicle. The covered motor vehicle must be out of service because of its breakdown, repair, servicing, loss or destruction. b. Anyone for damages he or she is entitled to recover because of bodily injury sustained by another insured. Pennsylvania Underinsured Motorist Coverage Non-Stacked CA , pp. 1-2 of 4. Thus, where the policy is issued to an individual, that person and resident relatives are afforded UIM coverage when involved in a motor vehicle accident regardless of the identity of the involved vehicles. The coverage agreement in the ISO Underinsured Motorist endorsement for business auto policies provides: B. Coverage 1. We will pay all sums the insured is legally entitled to recover as compensatory damages from the owner or driver of an underinsured motor vehicle. The damages must result from bodily injury sustained by the insured caused by an accident. The owner s or driver s liability for these damages must result from the ownership, maintenance or use of an underinsured motor vehicle. Pennsylvania Underinsured Motorist Coverage Non-Stacked CA , p. 1 of 4. Thus, the individual named insured is entitled to UIM benefits for injuries arising from the actions of an underinsured motorist. UIM coverage for the individual named insured is not limited to designated vehicles, alone. In the illustration, therefore, the individual named insured is entitled to UIM benefits under the business auto policy even though he sustained injury while occupying a friend s vehicle. 3

4 Nonetheless, insurers still deny UIM coverage to individual named insureds under business auto policies when the individual named insured is not occupying a specifically designated vehicle at the time of the accident based upon the covered auto symbol limitations on the Declarations Pages. This type of invalid disclaimer has been addressed and rejected by the Pennsylvania Superior Court. In Lastooka v. Aetna Insurance Company, 552 A.2d 254 (Pa. Super. 1988), the Court addressed a coverage issue where the owner of a sole proprietorship, who qualified as a named insured under a business auto policy, was killed in a motor vehicle accident while riding as a passenger in a friend s vehicle which was not insured under the business auto policy.the insurer in that case argued that there was no coverage because the deceased owner was not operating a covered vehicle at the time the accident. The Court disagreed and reasoned as follows: Under the policy in this case, there is a schedule of coverages and covered autos which designated that uninsured motorist coverage had been purchased, but more important to appellee s argument was the fact that the covered autos box was coded as covering owned autos only. Appellee argues that this designation requires a finding that uninsured motorist coverage apply to the deceased only while in an owned auto. We disagree. The page of the policy of uninsured motorist coverage contains a section entitled who is an insured and states 1. You or any family member. 2. Anyone else occupying a covered auto.... The policy does not read you or any family member while occupying a covered auto which is how appellee, in essence, asks us to interpret the provision. Contrast this with the provisions in the policy on liability coverage which, under the who is insured section, states that you are an insured for any covered auto. If the uninsured motorist section is read as urged by appellee, the first classification, known as a class one insured, would be superfluous. Coverage would simply apply to any person occupying the vehicle whether or not they be a named insured or otherwise. However, under developed case law the class one status is crucial to determining the right to stack coverages, and cannot simply be disregarded. See Utica Mutual Insurance Company v. Contrisciane, 473 A.2d 1005 (Pa. 1984). Lastooka, 552 A.2d at 255. This coverage analysis is applicable to the invalid coverage disclaimer often issued by insurers under a business auto policy issued to an individual named insured. In making the disclaimer of UM or UIM coverage, the insurer many times references the definition of Insured under business auto policies in the liability coverage part. The standard ISO business auto policy defines Insured for liability coverage as follows: A. WHO IS AN INSURED The following are insureds : 4

5 a. You for any covered auto. Business Auto Coverage Form CA p. 2 of 11. Thus, the standard ISO business auto policy specifically limits liability coverage for the named insured to use of a covered auto. This definitional limitation is not included in the standard ISO Underinsured Motorist Endorsement. Thus, the standard ISO business auto policy does not limit UIM coverage to occupants of covered autos, alone, as it does for liability coverage. Unfortunately, as a result of the misinterpretation of business auto policies by insurers, eligible persons are sometimes denied UM or UIM benefits to which they are otherwise entitled. Wrongful disclaimers, based upon the misapprehension that UM anduim coverage is limited to covered vehicles, are often made by insurers to claimants otherwise eligible for recovery. Where the named insured on the business auto policy is an individual, UM anduim coverage is to be extended regardless of the identity of the vehicle involved in the accident. The specific policy terms extend coverage. Insurers must be required to pay these UM and UIM claims where the policy, by its specific terms, extends coverage. Any such wrongful disclaimers should be challenged. Contractual UIM benefits are available. Extra-contractual bad faith damages may also potentially be recoverable where such disclaimers are made. /cdh 5

WASHINGTON UNDERINSURED MOTORISTS COVERAGE SELECTION/REJECTION

WASHINGTON UNDERINSURED MOTORISTS COVERAGE SELECTION/REJECTION IL U 008 04 06 WASHINGTON UNDERINSURED MOTORISTS COVERAGE SELECTION/REJECTION Policy Number: Policy Effective : Company: Producer: Applicant/Named Insured: Washington law permits you to make certain decisions

More information

STRATFORD INSURANCE COMPANY OFFER OF OPTIONAL ADDITIONAL UNINSURED MOTORISTS COVERAGE AND OPTIONAL UNDERINSURED MOTORIST COVERAGE

STRATFORD INSURANCE COMPANY OFFER OF OPTIONAL ADDITIONAL UNINSURED MOTORISTS COVERAGE AND OPTIONAL UNDERINSURED MOTORIST COVERAGE STRATFORD INSURANCE COMPANY OFFER OF OPTIONAL ADDITIONAL UNINSURED MOTORISTS COVERAGE AND OPTIONAL UNDERINSURED MOTORIST COVERAGE Automobile liability insurance coverage pays other motor vehicle drivers

More information

SOUTH CAROLINA OFFER OF ADDITIONAL UNINSURED MOTORISTS COVERAGE AND OPTIONAL UNDERINSURED MOTORISTS COVERAGE

SOUTH CAROLINA OFFER OF ADDITIONAL UNINSURED MOTORISTS COVERAGE AND OPTIONAL UNDERINSURED MOTORISTS COVERAGE IL U 007 01 07 SOUTH CAROLINA OFFER OF ADDITIONAL UNINSURED MOTISTS COVERAGE AND OPTIONAL UNDERINSURED MOTISTS COVERAGE Policy Number: Policy Effective Date: Company: Producer: Applicant/Named Insured:

More information

LOUISIANA HIRED AUTO AND NON-OWNED AUTO LIABILITY/UNINSURED MOTORISTS INSURANCE (BODILY INJURY)

LOUISIANA 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 information

Coverage Selection Form - Hawaii Important notice about your policy. Please read carefully.

Coverage Selection Form - Hawaii Important notice about your policy. Please read carefully. Important notice about your policy. Please read carefully. BODILY INJURY AND PROPERTY DAMAGE LIABILITY LIMITS Bodily Injury (BI) and Property Damage (PD) Liability coverage pays for bodily injury to another

More information

WASHINGTON UNDERINSURED MOTORISTS COVERAGE SELECTION/REJECTION

WASHINGTON UNDERINSURED MOTORISTS COVERAGE SELECTION/REJECTION CA 7051 08 10 WASHINGTON UNDERINSURED MOTISTS COVERAGE SELECTION/REJECTION Policy Number: Policy Effective : Company: HARCO NATIONAL INSURANCE CO. Producer: Applicant/Named Insured: Washington law permits

More information

Networks (Commercial Ride Share)

Networks (Commercial Ride Share) UPCI Model Legislation/ Regulation Insurance Issues for Transportation Networks (Commercial Ride Share) (Stat/Reg #): Transportation Networks (Commercial Ride Share) Insurance Requirements A. Definitions

More information

Who 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: 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 information

2013 COMMERCIAL LINES OOPS!

2013 COMMERCIAL LINES OOPS! 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 information

SOUTH CAROLINA AUTO SUPPLEMENT

SOUTH CAROLINA AUTO SUPPLEMENT AGENCY AGENCY CUSTOMER ID: SOUTH CAROLINA AUTO SUPPLEMENT APPLICANT/NAMED INSURED POLICY NUMBER CARRIER NAIC CODE. OFFER OF ADDITIONAL UNINSURED MOTORIST COVERAGE AND OPTIONAL UNDERINSURED MOTORIST COVERAGE

More information

GEORGIA UNINSURED MOTORISTS COVERAGE SELECTION/REJECTION

GEORGIA UNINSURED MOTORISTS COVERAGE SELECTION/REJECTION GEGIA UNINSURED MOTISTS COVERAGE SELECTION/REJECTION IL U 049 01 09 Policy Number: Policy Effective : Company: Producer: Applicant/Named Insured: Georgia law permits you to make certain decisions regarding

More information

Automobile Insurance in Pennsylvania a supplement to the Automobile Insurance Guide

Automobile Insurance in Pennsylvania a supplement to the Automobile Insurance Guide and answers about Automobile Insurance in Pennsylvania a supplement to the Automobile Insurance Guide My automobile policy was canceled because I did not pay my premium on time. Is this legal? Yes. If

More information

STATE OF SOUTH CAROLINA DEPARTMENT OF INSURANCE SCDOI FORM NUMBER 2006 [REVISED JANUARY 1, 2007]

STATE OF SOUTH CAROLINA DEPARTMENT OF INSURANCE SCDOI FORM NUMBER 2006 [REVISED JANUARY 1, 2007] STATE OF SOUTH CAROLINA DEPARTMENT OF INSURANCE SCDOI FORM NUMBER 2006 [REVISED JANUARY 1, 2007] OFFER OF ADDITIONAL UNINSURED MOTORIST COVERAGE AND OPTIONAL UNDERINSURED MOTORIST COVERAGE Automobile liability

More information

GEORGIA (To be completed and signed by Named Insured) IMPORTANT NOTICE GEORGIA UNINSURED MOTORISTS COVERAGE PLEASE READ THIS NOTICE CAREFULLY.

GEORGIA (To be completed and signed by Named Insured) IMPORTANT NOTICE GEORGIA UNINSURED MOTORISTS COVERAGE PLEASE READ THIS NOTICE CAREFULLY. SUPPLEMENTARY COMMERCIAL AUTOMOBILE APPLICATION GEORGIA (To be completed and signed by Named Insured) Name Address IMPORTANT NOTICE GEORGIA UNINSURED MOTORISTS COVERAGE PLEASE READ THIS NOTICE CAREFULLY.

More information

RESPONDENT'S ANSWER BRIEF JAMES H. WHITE, JR. STAATS, WHITE & CLARKE. Florida Bar No.: 309303. 229 McKenzie Avenue. Panama City, Florida 32401

RESPONDENT'S ANSWER BRIEF JAMES H. WHITE, JR. STAATS, WHITE & CLARKE. Florida Bar No.: 309303. 229 McKenzie Avenue. Panama City, Florida 32401 IN THE SUPREME COURT OF FLORIDA FILED THE TRAVELERS INSURANCE COMPANY and THE PHOENIX INSURANCE COMPANY, vs. Petitioners, CASE NO.: 85,337 BRETT ALLAN WARREN, Personal DISTRICT COURT OF APPEAL Representative

More information

AMENDATORY ENDORSEMENT NORTH CAROLINA PERSONAL AUTO POLICY

AMENDATORY 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 information

Rental 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 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 information

SUMMARY OF PENNSYLVANIA AUTO INSURANCE LAW

SUMMARY OF PENNSYLVANIA AUTO INSURANCE LAW SUMMARY OF PENNSYLVANIA AUTO INSURANCE LAW The laws relating to automobile insurance coverage are compiled in 75 Pa.C.S.A. 1701 et seq., known as the Act 6 Amendments to the PA Motor Vehicle Financial

More information

uninsured/underinsured motorist ( UM or UIM respectively) coverage of $100,000 per claimant. Under the Atkinson policy,

uninsured/underinsured motorist ( UM or UIM respectively) coverage of $100,000 per claimant. Under the Atkinson policy, PRESENT: All the Justices LENNA JO DYER OPINION BY v. Record No. 031532 JUSTICE G. STEVEN AGEE APRIL 23, 2004 DAIRYLAND INSURANCE COMPANY FROM THE CIRCUIT COURT OF CHESTERFIELD COUNTY Herbert C. Gill,

More information

Coverage for Other People Using Your Car. Today s Lecture State Farm Car Policy. Other People s Use of Your Car - Example

Coverage 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 information

The Michigan Auto Insurance Report

The Michigan Auto Insurance Report The Michigan Auto Insurance Report The Inside Secrets To Buying Auto Insurance" By: Daniel L. Buckfire Michigan s No-Fault Insurance Lawyer Call Toll Free: (800) 606-1717 www.buckfirelaw.com www.freeautoinsurancereport.com

More information

A CONSUMER'S GUIDE TO MOTORCYCLE INSURANCE. from YOUR North Carolina Department of Insurance CONSUMER'SGUIDE

A CONSUMER'S GUIDE TO MOTORCYCLE INSURANCE. from YOUR North Carolina Department of Insurance CONSUMER'SGUIDE A CONSUMER'S GUIDE TO MOTORCYCLE INSURANCE from YOUR North Carolina Department of Insurance CONSUMER'SGUIDE A MESSAGE FROM YOUR INSURANCE COMMISSIONER Greetings, The North Carolina Department of Insurance

More information

OVERVIEW OF THE MVFRL AND INSURANCE POLICY PROVISIONS

OVERVIEW OF THE MVFRL AND INSURANCE POLICY PROVISIONS OVERVIEW OF THE MVFRL AND INSURANCE POLICY PROVISIONS Scott B. Cooper, Esquire SCHMIDT KRAMER P.C. 209 State Street Harrisburg, PA 17101 scooper@schmidtkramer.com 717-232-6300 (t) 717-232-6467 (f) At first

More information

BUSINESS AUTO EXPOSURES AND COVERAGE

BUSINESS 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 information

QUESTIONS AND ANSWERS ABOUT ILLINOIS AUTOMOBILE INSURANCE AND ACCIDENTS

QUESTIONS AND ANSWERS ABOUT ILLINOIS AUTOMOBILE INSURANCE AND ACCIDENTS QUESTIONS AND ANSWERS ABOUT ILLINOIS AUTOMOBILE INSURANCE AND ACCIDENTS What types of coverages are available? Generally, automobile insurance policies provide Bodily Injury and Property Damage Liability

More information

: : : : v. : : HELEN S. ZIATYK, : Appellant : NO. 302 EDA 2001

: : : : v. : : HELEN S. ZIATYK, : Appellant : NO. 302 EDA 2001 2002 PA Super 50 PRUDENTIAL PROPERTY AND CASUALTY INSURANCE COMPANY, Appellee IN THE SUPERIOR COURT OF PENNSYLVANIA v. HELEN S. ZIATYK, Appellant NO. 302 EDA 2001 Appeal from the Order entered March 20,

More information

Public Act No. 14-20

Public Act No. 14-20 Public Act No. 14-20 AN ACT CONCERNING UNINSURED AND UNDERINSURED MOTORIST COVERAGE OFFSETS. Be it enacted by the Senate and House of Representatives in General Assembly convened: Section 1. Section 38a-336

More information

Economic 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 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 information

South Carolina Department of Insurance 300 Arbor Lake Drive, Suite 1200 Columbia, South Carolina 29223

South Carolina Department of Insurance 300 Arbor Lake Drive, Suite 1200 Columbia, South Carolina 29223 South Carolina Department of Insurance 300 Arbor Lake Drive, Suite 1200 Columbia, South Carolina 29223 Mailing Address: P.O. Box 100105, Columbia, S.C. 29202-3105 Telephone: (803) 737-6223 MARK SANFORD

More information

Buyer Beware. Things To Know About Buying Car Insurance In Washington State. By Christopher M. Davis, Attorney at Law

Buyer Beware. Things To Know About Buying Car Insurance In Washington State. By Christopher M. Davis, Attorney at Law Buyer Beware Things To Know About Buying Car Insurance In Washington State By Christopher M. Davis, Attorney at Law Davis Law Group, P.S. 2101 Fourth Avenue Suite 630 Seattle, WA 98121 206-727-4000 Davis

More information

THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. UNINSURED MOTORISTS COVERAGE CALIFORNIA

THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. UNINSURED MOTORISTS COVERAGE CALIFORNIA POLICY NUMBER: PERSONAL AUTO PP 04 87 08 05 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. UNINSURED MOTORISTS COVERAGE CALIFORNIA SCHEDULE Uninsured Motorists Premium Coverage Limit Of

More information

CORPORATE ID: 1760-818 19-527 WILLIAM PENN HOUSE 515 E CAPITOL ST SE WASHINGTON DC 20003

CORPORATE 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 information

IN THE COURT OF APPEAL OF THE STATE OF CALIFORNIA SECOND APPELLATE DISTRICT DIVISION FOUR

IN THE COURT OF APPEAL OF THE STATE OF CALIFORNIA SECOND APPELLATE DISTRICT DIVISION FOUR Filed 8/12/13 CERTIFIED FOR PUBLICATION IN THE COURT OF APPEAL OF THE STATE OF CALIFORNIA SECOND APPELLATE DISTRICT DIVISION FOUR PROGRESSIVE CHOICE INSURANCE COMPANY, Plaintiff and Respondent, B242429

More information

ZacharLawFirm.com (602) 494-4800 Page 1

ZacharLawFirm.com (602) 494-4800 Page 1 There are countless drivers across the state of Arizona that are uninsured or underinsured. In fact, it is estimated that one (1) out of every five (5) drivers on the road is driving without insurance.

More information

Your Guide to Auto Insurance Premiums

Your Guide to Auto Insurance Premiums INSURANCE FACTS for Pennsylvania Consumers Your Guide to Auto Insurance Premiums 1-877-881-6388 Toll-free Automated Consumer Line www.insurance.state.pa.us Pennsylvnaia Insurance Department Website Required

More information

ONYX BUSINESS AUTO POLICY COVERAGE

ONYX 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 information

UNINSURED AND UNDERINSURED MOTORIST COVERAGE - HISTORY

UNINSURED AND UNDERINSURED MOTORIST COVERAGE - HISTORY 59202 Prepared by the North Dakota Legislative Council staff for the Transportation Committee March 2004 UNINSURED AND UNDERINSURED MOTORIST COVERAGE - HISTORY This memorandum reviews the law on uninsured

More information

114CSR63 WEST VIRGINIA LEGISLATIVE RULE INSURANCE COMMISSIONER SERIES 63 STANDARD MOTOR VEHICLE POLICY PROVISIONS

114CSR63 WEST VIRGINIA LEGISLATIVE RULE INSURANCE COMMISSIONER SERIES 63 STANDARD MOTOR VEHICLE POLICY PROVISIONS 114CSR63 WEST VIRGINIA LEGISLATIVE RULE INSURANCE COMMISSIONER SERIES 63 STANDARD MOTOR VEHICLE POLICY PROVISIONS Section. '114-63-1. General. '114-63-2. Definitions. '114-63-3. Liability Insurance Provisions.

More information

With regard to the coverage issue 1 : With regard to the stacking issue 2 :

With regard to the coverage issue 1 : With regard to the stacking issue 2 : 37 Fla. L. Weekly D1140c Insurance -- Uninsured motorist -- Coverage -- Stacking -- Action against UM insurer by insured policyholder who was injured in single-car accident while riding as passenger in

More information

2009 WI APP 51 COURT OF APPEALS OF WISCONSIN PUBLISHED OPINION

2009 WI APP 51 COURT OF APPEALS OF WISCONSIN PUBLISHED OPINION 2009 WI APP 51 COURT OF APPEALS OF WISCONSIN PUBLISHED OPINION Case No.: 2008AP1036 Complete Title of Case: JOHN A. MITTNACHT AND THERESA MITTNACHT, PLAINTIFFS-APPELLANTS, V. ST. PAUL FIRE AND CASUALTY

More information

STATE OF MICHIGAN COURT OF APPEALS

STATE OF MICHIGAN COURT OF APPEALS STATE OF MICHIGAN COURT OF APPEALS JAMES PERKINS, Plaintiff-Appellee, FOR PUBLICATION July 18, 2013 9:00 a.m. v No. 310473 Grand Traverse Circuit Court AUTO-OWNERS INSURANCE COMPANY, LC No. 2011-028699-NF

More information

IN THE COURT OF APPEALS OF INDIANA

IN THE COURT OF APPEALS OF INDIANA FOR PUBLICATION ATTORNEY FOR APPELLANT: LINDA Y. HAMMEL Yarling & Robinson Indianapolis, Indiana ATTORNEY FOR APPELLEE: DAVID J. LANGE Stewart & Stewart Carmel, Indiana IN THE COURT OF APPEALS OF INDIANA

More information

No. 99-C-2573 LEE CARRIER AND HIS WIFE MARY BETH CARRIER. Versus RELIANCE INSURANCE COMPANY

No. 99-C-2573 LEE CARRIER AND HIS WIFE MARY BETH CARRIER. Versus RELIANCE INSURANCE COMPANY Ed. Note: Opinion Rendered April 11, 2000 SUPREME COURT OF LOUISIANA No. 99-C-2573 LEE CARRIER AND HIS WIFE MARY BETH CARRIER Versus RELIANCE INSURANCE COMPANY ON WRIT OF CERTIORARI TO THE COURT OF APPEAL,

More information

Accident Injuries and Your Car Insurance

Accident Injuries and Your Car Insurance Personal Injury Wrongful Death Slip & Fall Automobile Accidents Trucking Accidents Motorcycle Accidents Medical Malpractice Criminal Defense Accident Injuries and Your Car Insurance Critical Details You

More information

1. What s the difference between Limited Tort and Full Tort Auto Insurance Policies?

1. What s the difference between Limited Tort and Full Tort Auto Insurance Policies? Auto 1. What s the difference between Limited Tort and Full Tort Auto Insurance Policies? Limited Tort and Full Tort refer to different types of coverage under a auto insurance policy and what compensation

More information

IN THE UNITED STATES DISTRICT COURT FOR THE EASTERN DISTRICT OF PENNSYLVANIA

IN THE UNITED STATES DISTRICT COURT FOR THE EASTERN DISTRICT OF PENNSYLVANIA IN THE UNITED STATES DISTRICT COURT FOR THE EASTERN DISTRICT OF PENNSYLVANIA CAROL DEMIZIO AND ANTHONY : CIVIL ACTION DEMIZIO in their own right and as : ADMINISTRATORS OF THE ESTATE : NO. 05-409 OF MATTHEW

More information

BUSINESS AUTO DECLARATIONS

BUSINESS 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 information

Frequently Asked Questions Auto Insurance

Frequently Asked Questions Auto Insurance STATE OF WISCONSIN Frequently Asked Questions Auto Insurance OFFICE OF THE COMMISSIONER OF INSURANCE PI-233 (C 03/2015) The Automobile Insurance Policy (page 1) Wisconsin's Financial Responsibility Law

More information

TNC Insurance Compromise Model Bill March 24, 2015 v2

TNC Insurance Compromise Model Bill March 24, 2015 v2 (Stat/Reg #): Transportation Network Vehicle Insurance Requirements A. Definitions 1. "Personal Vehicle" means a vehicle that is used by a Transportation Network Company Driver in connection with providing

More information

Alberta Finance and Enterprise - Insurance - Family Protection Endorsement

Alberta Finance and Enterprise - Insurance - Family Protection Endorsement Alberta Finance and Enterprise - Insurance - Family Protection Endorsement Page 1 of 6 Automobile Insurance - S.E.F. No. 44 FAMILY PROTECTION ENDORSEMENT (For Alberta Only) Index Definitions Insuring Agreement

More information

IN THE COURT OF COMMON PLEAS FIRST JUDICIAL DISTRICT OF PENNSYLVANIA TRIAL DIVISION CIVIL SECTION

IN THE COURT OF COMMON PLEAS FIRST JUDICIAL DISTRICT OF PENNSYLVANIA TRIAL DIVISION CIVIL SECTION IN THE COURT OF COMMON PLEAS FIRST JUDICIAL DISTRICT OF PENNSYLVANIA TRIAL DIVISION CIVIL SECTION LOUISE FOSTER Administrator of the : AUGUST TERM 2010 Estate of GEORGE FOSTER : and BARBARA DILL : vs.

More information

Protecting You and Your Family

Protecting You and Your Family Protecting You and Your Family What You Need to Know About Buying Car Insurance in California By Ross A. Jurewitz Injury Accident Attorney, Jurewitz Law Group Jurewitz Law Group 600 B Street Suite 1550

More information

MARYLAND PERSONAL AUTO SUPPLEMENT

MARYLAND PERSONAL AUTO SUPPLEMENT MARYLAND PERSONAL AUTO SUPPLEMENT AGENCY NAMED INSURED(S) POLICY NUMBER EFFECTIVE DATE CARRIER NAIC CODE Mandatory Offer of Increased Liability Coverage for Claims of Family Members at an Additional Premium

More information

Policy Number (If Not New Business) PENNSYLVANIA NOTICE IMPORTANT NOTICE

Policy Number (If Not New Business) PENNSYLVANIA NOTICE IMPORTANT NOTICE SUPPLEMENTARY AUTOMOBILE APPLICATION - PENNSYLVANIA (To be completed by the Named Insured or Applicant) Name abc Policy Number (If Not New Business) Address PENNSYLVANIA NOTICE IMPORTANT NOTICE Insurance

More information

UNITED STATES COURT OF APPEALS FOR THE THIRD CIRCUIT. No. 15-1100. FRANCIS J. GUGLIELMELLI Appellant STATE FARM MUTUAL AUTOMOBILE INSURANCE COMPANY

UNITED STATES COURT OF APPEALS FOR THE THIRD CIRCUIT. No. 15-1100. FRANCIS J. GUGLIELMELLI Appellant STATE FARM MUTUAL AUTOMOBILE INSURANCE COMPANY UNITED STATES COURT OF APPEALS FOR THE THIRD CIRCUIT No. 15-1100 FRANCIS J. GUGLIELMELLI Appellant v. NOT PRECEDENTIAL STATE FARM MUTUAL AUTOMOBILE INSURANCE COMPANY APPEAL FROM THE UNITED STATES DISTRICT

More information

TERRENCE and Marie Domin, Plaintiffs, v. SHELBY INSURANCE COMPANY, a foreign corporation, Defendant.

TERRENCE and Marie Domin, Plaintiffs, v. SHELBY INSURANCE COMPANY, a foreign corporation, Defendant. Circuit Court of Illinois. County Department Chancery Division Cook County TERRENCE and Marie Domin, Plaintiffs, v. SHELBY INSURANCE COMPANY, a foreign corporation, Defendant. No. 00CH08224. 2008. Answer

More information

SUPREME COURT OF APPEALS OF WEST VIRGINIA

SUPREME COURT OF APPEALS OF WEST VIRGINIA SUPREME COURT OF APPEALS OF WEST VIRGINIA January 2000 Term No. 26558 ANTHONY IAFOLLA, Plaintiff Below, Appellant v. THOMAS RAY TRENT, INDIVIDUALLY AND AS ADMINISTRATOR OF THE ESTATE OF BRIAN KEITH ROBINETTE,

More information

SUBJECT: Effective October 15, 2005 for new and renewal business OMI is making a number of changes to our Commercial Auto Program.

SUBJECT: Effective October 15, 2005 for new and renewal business OMI is making a number of changes to our Commercial Auto Program. OREGON MUTUAL INSURANCE COMPANY DEPT: SUBJECT: DATE: BULLETIN NO: 1966 September 14, 2005 California Regional Office TO: All OMI California Agents Commercial Auto Changes Effective October 15, 2005 for

More information

FLOYD-TUNNELL V. SHELTER MUT. INS. CO.: WRONGFUL DEATH CLAIMS AND UNINSURED MOTORIST COVERAGE

FLOYD-TUNNELL V. SHELTER MUT. INS. CO.: WRONGFUL DEATH CLAIMS AND UNINSURED MOTORIST COVERAGE FLOYD-TUNNELL V. SHELTER MUT. INS. CO.: WRONGFUL DEATH CLAIMS AND UNINSURED MOTORIST COVERAGE INTRODUCTION Rebecca Floyd-Tunnell and Doris Floyd ( Appellants ) filed suit against Shelter Mutual Insurance

More information

SUMMARY OF UNINSURED MOTORISTS (UM) AND UNDERINSURED MOTORISTS (UIM) COVERAGE PROVISIONS UNDER THE ISO PERSONAL AUTO PROGRAM EXPLANATORY MEMORANDUM

SUMMARY OF UNINSURED MOTORISTS (UM) AND UNDERINSURED MOTORISTS (UIM) COVERAGE PROVISIONS UNDER THE ISO PERSONAL AUTO PROGRAM EXPLANATORY MEMORANDUM SUMMARY OF UNINSURED MOTORISTS (UM) AND UNDERINSURED MOTORISTS (UIM) COVERAGE PROVISIONS UNDER THE ISO PERSONAL AUTO PROGRAM EXPLANATORY MEMORANDUM Enclosed is a summary of Uninsured Motorists (UM) Underinsured

More information

Uninsured Motorist and Underinsured Motorist Coverage. Gary Kramer J. Scott Sanpietro James R. Potts

Uninsured Motorist and Underinsured Motorist Coverage. Gary Kramer J. Scott Sanpietro James R. Potts Uninsured Motorist and Underinsured Motorist Coverage Gary Kramer J. Scott Sanpietro James R. Potts focus on: Uninsured Motorist and Underinsured Motorist Coverage 1 By Gary Kramer, J. Scott Sanpietro,

More information

ARE YOU DRIVING ON THIN ICE : FULL COVERAGE MIGHT NOT BE WHAT YOU THINK IT IS

ARE YOU DRIVING ON THIN ICE : FULL COVERAGE MIGHT NOT BE WHAT YOU THINK IT IS ARE YOU DRIVING ON THIN ICE : FULL COVERAGE MIGHT NOT BE WHAT YOU THINK IT IS By: Jay R. Vaughn, Esq. Schachter, Hendy & Johnson, P.S.C. (859) 578-4444 jvaughn@pschachter.com My practice focuses on personal

More information

LEGISLATURE OF THE STATE OF IDAHO Sixty-third Legislature First Regular Session - 2015 IN THE HOUSE OF REPRESENTATIVES HOUSE BILL NO.

LEGISLATURE OF THE STATE OF IDAHO Sixty-third Legislature First Regular Session - 2015 IN THE HOUSE OF REPRESENTATIVES HOUSE BILL NO. LEGISLATURE OF THE STATE OF IDAHO Sixty-third Legislature First Regular Session - IN THE HOUSE OF REPRESENTATIVES HOUSE BILL NO. BY WAYS AND MEANS COMMITTEE 0 0 AN ACT RELATING TO TRANSPORTATION NETWORK

More information

Prepared by: Barton L. Slavin, Esq. 212-233-1010 Web site: www.nycattorneys.com

Prepared by: Barton L. Slavin, Esq. 212-233-1010 Web site: www.nycattorneys.com Prepared by: Barton L. Slavin, Esq. 1. Identify Insurance Company - On the Police Report there is a three digit code that identifies the insurance company for a vehicle. The following link will take you

More information

By Donald L. Brown. Commercial Auto Policy

By 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 information

St. Paul argues that Mrs. Hugh is not entitled to UM/UIM coverage under her

St. Paul argues that Mrs. Hugh is not entitled to UM/UIM coverage under her The Virginia State Bar requires that all lawyers set forth the following regarding case results: CASE RESULTS DEPEND UPON A VARIETY OF FACTORS UNIQUE TO EACH CASE. CASE RESULTS DO NOT GUARANTEE OR PREDICT

More information

STATE OF MICHIGAN COURT OF APPEALS

STATE OF MICHIGAN COURT OF APPEALS STATE OF MICHIGAN COURT OF APPEALS BRYAN F. LaCHAPELL, Individually and as Personal Representative of the ESTATE OF KARIN MARIE LaCHAPELL, UNPUBLISHED May 24, 2016 Plaintiff-Appellant, v No. 326003 Marquette

More information

UNREPORTED IN THE COURT OF SPECIAL APPEALS OF MARYLAND. No. 2496. September Term, 2014 MARYLAND INSURANCE ADMINISTRATION

UNREPORTED IN THE COURT OF SPECIAL APPEALS OF MARYLAND. No. 2496. September Term, 2014 MARYLAND INSURANCE ADMINISTRATION UNREPORTED IN THE COURT OF SPECIAL APPEALS OF MARYLAND No. 2496 September Term, 2014 MARYLAND INSURANCE ADMINISTRATION v. STATE FARM MUTUAL AUTOMOBILE INSURANCE COMPANY Berger, Reed, Rodowsky, Lawrence

More information

motorcycle insurance protecting your dreams

motorcycle insurance protecting your dreams motorcycle insurance protecting your dreams let s ride. The freedom of the open road feels even better the less you have to worry about. But protecting yourself on a cycle involves more than leather and

More information

Consumer Legal Guide. Your Guide to Automobile Insurance and Accidents

Consumer 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 information

LET S LOOK AT THE FUNDAMENTALS OF MOTOR VEHICLE INSURANCE BASIC LIABILITY INSURANCE COVERAGE

LET S LOOK AT THE FUNDAMENTALS OF MOTOR VEHICLE INSURANCE BASIC LIABILITY INSURANCE COVERAGE HOW TO TREAT IDENTICAL MUTUALLY EXCLUSIVE (REPUGNANT) EXCESS INSURANCE CLAUSES IN UNDERINSURED MOTORIST INSURANCE POLICIES WHEN THE INSURED HAS COVERAGE UNDER MULTIPLE UIM POLICIES Robert H. Hobgood, Sr.

More information

Automobile Insurance Guide

Automobile 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 information

COMMERCIAL AUTOMOBILE EXPANSION ENDORSEMENT

COMMERCIAL 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 information

DISCOVERY INSURANCE COMPANY PO BOX 200 KINSTON, NORTH CAROLINA 28502

DISCOVERY INSURANCE COMPANY PO BOX 200 KINSTON, NORTH CAROLINA 28502 PERSONAL AUTO POLICY STOCK COMPANY DISCOVERY INSURANCE COMPANY PO BOX 200 KINSTON, NORTH CAROLINA 28502 THESE POLICY PROVISIONS WITH THE DECLARATIONS PAGE AND ENDORSEMENTS, IF ANY, ISSUED TO FORM A PART

More information

Supplemental Handout TNC Insurance Compromise Model Bill Updated March 26

Supplemental Handout TNC Insurance Compromise Model Bill Updated March 26 Supplemental Handout TNC Insurance Compromise Model Bill Updated March 26 2015 National Association of Insurance Commissioners SUGGESTED KEY MESSAGES FOR TNC INSURANCE COMPROMISE MODEL BILL SUPPORTERS:

More information

OFFICE OF INSURANCE AND SAFETY FIRE COMMISSIONER

OFFICE OF INSURANCE AND SAFETY FIRE COMMISSIONER OFFICE OF COMMISSIONER OF INSURANCE SAFETY FIRE COMMISSIONER INDUSTRIAL LOAN COMMISSIONER COMPTROLLER GENERAL DIRECTIVE 08-P&C-1 SEVENTH FLOOR, WEST TOWER FLOYD BUILDING 2 MARTIN LUTHER KING JR. DRIVE

More information

STATE OF MICHIGAN COURT OF APPEALS

STATE OF MICHIGAN COURT OF APPEALS STATE OF MICHIGAN COURT OF APPEALS FARM BUREAU GENERAL INSURANCE COMPANY OF MICHIGAN, UNPUBLISHED August 20, 2015 Plaintiff/Counter-Defendant- Appellee, v No. 320710 Oakland Circuit Court YVONNE J. HARE,

More information

Does Automobile Insurance Follow the Car or the Driver?

Does 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 information

2015 Massachusetts Automobile Insurance Policy. Memorandum of Changes

2015 Massachusetts Automobile Insurance Policy. Memorandum of Changes 2015 Massachusetts Automobile Insurance Policy Memorandum of Changes This edition of the policy incorporates the provisions of the Massachusetts Mandatory Endorsement M-0099-S (Ed. 9-11), and, in addition,

More information

UNITED STATES DISTRICT COURT DISTRICT OF CONNECTICUT. Israel : : v. : No. 3:98cv302(JBA) : State Farm Mutual Automobile : Insurance Company et al.

UNITED STATES DISTRICT COURT DISTRICT OF CONNECTICUT. Israel : : v. : No. 3:98cv302(JBA) : State Farm Mutual Automobile : Insurance Company et al. UNITED STATES DISTRICT COURT DISTRICT OF CONNECTICUT Israel : : v. : No. 3:98cv302(JBA) : State Farm Mutual Automobile : Insurance Company et al. : Ruling on Motion for Summary Judgment [Doc. #82] After

More information

RENDERED: JULY 19, 2002; 10:00 a.m. NOT TO BE PUBLISHED NO. 2001-CA-000345-MR

RENDERED: JULY 19, 2002; 10:00 a.m. NOT TO BE PUBLISHED NO. 2001-CA-000345-MR RENDERED: JULY 19, 2002; 10:00 a.m. NOT TO BE PUBLISHED C ommonwealth Of K entucky Court Of A ppeals NO. 2001-CA-000345-MR CECILIA WINEBRENNER; and J. RICHARD HUGHES, Administrator of the Estate of DANIELLE

More information

CANAL INSURANCE COMPANY INDEMNITY COMPANY

CANAL INSURANCE COMPANY INDEMNITY COMPANY CANAL INSURANCE COMPANY INDEMNITY COMPANY GEORGIA SUPPLEMENTAL APPLICATION MUST be completed if Auto Liability Coverage is requested 1. Applicant Name 2. DBA, if any UNINSURED MOTORIST COVERAGE SELECTION/REJECTION

More information

Business Auto Policy

Business Auto Policy Business Auto Policy American Family s Business Auto Policy With more than thirty years of commercial lines policy experience and $15 billion in assets*, American Family offers businesses the stability,

More information

GARAGE 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. 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 information

15 HB 190/AP A BILL TO BE ENTITLED AN ACT BE IT ENACTED BY THE GENERAL ASSEMBLY OF GEORGIA:

15 HB 190/AP A BILL TO BE ENTITLED AN ACT BE IT ENACTED BY THE GENERAL ASSEMBLY OF GEORGIA: House Bill 190 (AS PASSED HOUSE AND SENATE) By: Representatives Golick of the 40 th, Smith of the 134 th, Maxwell of the 17 th, and Powell of the 32 nd A BILL TO BE ENTITLED AN ACT 1 2 3 4 5 6 To amend

More information

AUTO INSURANCE A RATE COMPARISON GUIDE NEBRASKA DEPARTMENT OF INSURANCE 941 O STREET, SUITE 400 PO BOX 82089 LINCOLN, NEBRASKA 68501-2089

AUTO INSURANCE A RATE COMPARISON GUIDE NEBRASKA DEPARTMENT OF INSURANCE 941 O STREET, SUITE 400 PO BOX 82089 LINCOLN, NEBRASKA 68501-2089 A RATE COMPARISON GUIDE 2015 RATES AUTO INSURANCE COMPILED BY DEPARTMENT OF INSURANCE 941 O STREET, SUITE 400 PO BOX 82089 LINCOLN, 68501-2089 402-471-2201 TOLL-FREE: 1-877-564-7323 TDD: 1-800-833-7352

More information

SENATE, No. 131 STATE OF NEW JERSEY. 213th LEGISLATURE PRE-FILED FOR INTRODUCTION IN THE 2008 SESSION

SENATE, No. 131 STATE OF NEW JERSEY. 213th LEGISLATURE PRE-FILED FOR INTRODUCTION IN THE 2008 SESSION SENATE, No. STATE OF NEW JERSEY th LEGISLATURE PRE-FILED FOR INTRODUCTION IN THE 00 SESSION Sponsored by: Senator NICHOLAS P. SCUTARI District (Middlesex, Somerset and Union) SYNOPSIS Provides for stacking

More information

SOME MASSACHUSETTS PERSONAL AUTO POLICY ISSUES

SOME MASSACHUSETTS PERSONAL AUTO POLICY ISSUES SOME MASSACHUSETTS PERSONAL AUTO POLICY ISSUES Some Mass Personal Auto Issues Michael C. D Orlando, CIC, LIA, CPIA Insurance Training & Consulting Services 11 Lake Shore Drive Amesbury, MA 01913 mcdorlando@aol.com

More information

Personal and Business Auto Table of Contents p. 1 of 5 Unit 1 - Introducing Auto Insurance pp. 7-41

Personal and Business Auto Table of Contents p. 1 of 5 Unit 1 - Introducing Auto Insurance pp. 7-41 Personal and Business Auto Table of Contents p. 1 of 5 Unit 1 - Introducing Auto Insurance pp. 7-41 Problems associated with auto accidents and insurance The large number of auto incidents High Cost of

More information

Wayne Howell, PLLC A GUIDE TO ARIZONA AUTOMOBILE INSURANCE COVERAGE

Wayne Howell, PLLC A GUIDE TO ARIZONA AUTOMOBILE INSURANCE COVERAGE Wayne Howell, PLLC If A GUIDE TO ARIZONA AUTOMOBILE INSURANCE COVERAGE you think you have "Full Coverage", you may be at risk without knowing it. "Full Coverage" means different things to different people;

More information

Commonwealth of Kentucky Court of Appeals

Commonwealth of Kentucky Court of Appeals RENDERED: OCTOBER 12, 2012; 10:00 A.M. TO BE PUBLISHED Commonwealth of Kentucky Court of Appeals NO. 2011-CA-001454-MR TAMRA HOSKINS APPELLANT APPEAL FROM LINCOLN CIRCUIT COURT v. HONORABLE JEFFREY T.

More information

Home and Automobile Insurance Guide

Home 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 information

IN THE COURT OF APPEALS OF THE STATE OF WASHINGTON DIVISION II

IN THE COURT OF APPEALS OF THE STATE OF WASHINGTON DIVISION II IN THE COURT OF APPEALS OF THE STATE OF WASHINGTON DIVISION II JENNIFER HELGESON and ANDREW HELGESON, Appellants, No. 41371-0-II v. UNPUBLISHED OPINION VIKING INSURANCE COMPANY OF WISCONSIN a foreign corporation,

More information

NORTH DAKOTA PERSONAL INJURY PROTECTION ENDORSEMENT

NORTH DAKOTA PERSONAL INJURY PROTECTION ENDORSEMENT COMMERCIAL AUTO CA 22 34 10 13 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. NORTH DAKOTA PERSONAL INJURY PROTECTION ENDORSEMENT For a covered "auto" licensed or principally garaged in,

More information

Guide to Knowing Your Auto

Guide 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 information

A SUMMARY OF COLORADO UNINSURED AND UNDERINSURED INSURANCE COVERAGE LAW April 2004

A SUMMARY OF COLORADO UNINSURED AND UNDERINSURED INSURANCE COVERAGE LAW April 2004 A SUMMARY OF COLORADO UNINSURED AND UNDERINSURED INSURANCE COVERAGE LAW April 2004 By: Mark Kane and HayDen Kane By reviewing this document the reader acknowledges that he or she has reviewed, understands

More information

MENDAKOTA CASUALTY COMPANY (Serviced by KAI Advantage Auto, Inc.) PERSONAL AUTOMOBILE INSURANCE POLICY ILLINOIS

MENDAKOTA CASUALTY COMPANY (Serviced by KAI Advantage Auto, Inc.) PERSONAL AUTOMOBILE INSURANCE POLICY ILLINOIS MENDAKOTA CASUALTY COMPANY (Serviced by KAI Advantage Auto, Inc.) PERSONAL AUTOMOBILE INSURANCE POLICY ILLINOIS IMPORTANT Notify the Company s claim office in Itasca, Illinois by telephone, of every accident

More information

NEW YORK STATE INSURANCE DEPARTMENT REGULATION NO. 153 (11 NYCRR 163) FLEXIBLE RATING FOR NONBUSINESS AUTOMOBILE INSURANCE POLICIES

NEW YORK STATE INSURANCE DEPARTMENT REGULATION NO. 153 (11 NYCRR 163) FLEXIBLE RATING FOR NONBUSINESS AUTOMOBILE INSURANCE POLICIES NEW YORK STATE INSURANCE DEPARTMENT REGULATION NO. 153 (11 NYCRR 163) FLEXIBLE RATING FOR NONBUSINESS AUTOMOBILE INSURANCE POLICIES I, James J. Wrynn, Superintendent of Insurance of the State of New York,

More information

Insurance Primer. Collector Car Insurance

Insurance Primer. Collector Car Insurance Insurance Primer A Crash Course in Collector Car Insurance Finally, you own the vehicle you ve spent a lifetime dreaming about. Now what? The next step is to protect your investment. Auto policies covering

More information