Auto

FAQs & HELPFUL TOOLS.

Q: Does a Personal Auto Policy Cover Driving During a State of Emergency?

A: Probably yes. It’s hard to say for certain without reading the actual policy form. Still, the ISO Personal Auto Policy does not contain exclusions for driving during a state of emergency for either liability or physical damage. A quick check of descriptions of other carriers’ forms did not reveal exclusions like that, either. Therefore, a typical PAP is likely to respond. What will happen to the premium at the next renewal is another story.

Can an insurer pick and choose what to re-tier at renewal?

Does the UM coverage in a business auto policy cover an injured worker who collected workers’ comp?

No-Fault vs. Workers’ Comp: Which One is Primary?

Can an insurance company retroactively charge for a young driver?

Does New York rental car coverage apply to a borrowed car?

If an Insured Rents a Car and Damages It, Does a Deductible Apply to the Rental Vehicle’s Physical Damage Coverage?

Will a New York State personal auto policy extend to a rental car rented in the U.S. Virgin Islands?

An employee put regular gas into a diesel truck, damaging the engine. Is this covered under the commercial auto policy?

Are Auto Photo Inspections Required When an Agent Is Doing a Book Transfer Between Insurers?

How Will the New York Supplemental Spousal Liability (SSL) Coverage Apply to Commercial Auto Policies With Entities Other Than Individuals As the Named Insured?

One-Page Handout for Your Clients About Supplemental Spousal Liability Insurance [Download]