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  1. Coverage for bike accidents | Ask PIA

    My insured’s car was hit and damaged by a bicyclist. To which policy—household auto or homeowners—should my insured look to recover for the damage caused by the bicyclist’s negligence?

    The bicyclist’s homeowners policy. The personal auto policy insures autos and trailers for property damage liability, but excludes vehicles having less than four wheels (e.g., a motorcycle or bicycle). The homeowners policy only excludes the operation of “motorized” vehicles, so coverage will apply to the use of a bicycle.

  2. Drive-other-car coverage | Ask PIA

    My insured submitted a claim on a commercial automobile policy. The insured doesn’t have a personal automobile policy, because their four cars are corporately owned. Their 16-year-old daughter with a driving permit was driving a friend’s parents home in the friend’s car and totaled the car. The car did not...

    Not unless the daughter was named on a drive-other-car endorsement, which included physical-damage coverage.

  3. Coverage for rented furniture in condo | Ask PIA

    Does the ISO HO 00 06 policy endorsed with the HO 17 33 Unit Owners Rental To Others form cover furniture that is rented by the insured and used to furnish a condominium that is regularly rented to others? The question arises, because the furniture in question is not owned...

    Subject to the Coverage C limit purchased, an owner of a condominium unit who rents furniture for the purpose of furnishing the unit while it is being rented to others will be covered for this property under the ISO HO 00 06 policy endorsed with the HO 17 33 form....

  4. Resident relative’s car | Ask PIA

    My insured has a personal umbrella policy. His mother resides with him but has her own car, which she insures under her own policy. Will my insured’s umbrella policy apply as excess coverage for his mother?

    The ISO Personal Umbrella Liability Policy Form DL 98 01 defines a family member as “a resident of your household who is: 1. Your relative, including a ward or foster child; or 2. Under the age of 21 and in the care of you or an ‘insured’ who is age...

  5. Paid family leave—domestic workers | Ask PIA

    Are domestic workers qualified for paid family leave benefits under the same criteria as other employment categories?

    No, they are not. For most employment, employees working 20 or more hours per week are eligible for PFL benefits after 26 consecutive weeks of employment. If the employee does not work at least 20 hours per week, the employee is eligible after 175 days of employment (not necessarily consecutive)....

  6. FDIC coverage | Ask PIA

    I am concerned about the level of protection afforded by the Federal Deposit Insurance Corp., compared to the amount of premium monies I may have in the bank at any given time. Do my individual companies, to whom the premiums are due, each have separate limits of FDIC coverage? Does...

    Here is the advice provided to PIA by the FDIC: “Money belonging to others, such as an insurance company or policyholder, and held on their behalf by a representative, such as an insurance agent or broker (whether operating as a corporation, partnership or proprietorship), in a single, commingled deposit...

  7. Fallen tree—deductible | Ask PIA

    A tree fell onto my insured’s property as a result of the wind. His policy will cover the removal of the tree under the additional debris removal coverage. However, the company stated the policy deductible will apply, leaving very little actual coverage. Can the company apply the deductible in this situation?

    Yes. Unlike some of the other additional coverages, the policy does not specify any exception to the application of the deductible for this particular additional coverage.

  8. ‘Vacant land’ definition | Ask PIA

    What is “vacant land” as referred to in the homeowners policy? This is important, because vacant land is automatically covered as an “insured location” without being described on the policy. For example, if there were a well on the land, would it be vacant? What about a temporary structure?

    This is a matter of interpretation, since “vacant” is not defined. Most insurance practitioners believe that any man-made structure will remove the land from the vacant category; meaning, it must be in its natural state. It would appear that any improvement (e.g., a well) would preclude the status of being...

  9. Van seating capacity | Ask PIA

    What is the maximum number of passengers that a van can carry before it ceases to be a “rental vehicle”?

    There is no specified limitation in the number of passengers that a van is rated to carry before it ceases to be a “rental vehicle.” However, New York Vehicle and Traffic Law defines a bus as having a seating capacity of 15 or more passengers in addition to the driver....

  10. Named nonowned coverage | Ask PIA

    How does our agency provide coverage for people who do not insure owned autos on a personal automobile policy to protect them when they borrow a car for personal use? They are furnished a corporate car, but the insurer will not add drive-other-car coverage on the business automobile policy.

    To cover the personal use of borrowed or rented vehicles, you should write a named nonowner policy. This is accomplished by adding the Named Non-Owner Coverage (PP 03 22) endorsement to the personal automobile policy. For more about this coverage, refer to QuickSource document No. QS90346, titled Named nonowner...

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