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  1. Temporary substitutes | Ask PIA

    My client has a furnished auto and does not have a personal auto policy. Will the business auto policy cover a temporary substitute auto, if needed?

    If your question is in reference to liability coverage, the answer is yes. The business auto policy automatically covers a temporary substitute auto without the necessity of adding Symbol 8 hired auto coverage. If your question is in reference to physical damage coverage, the answer is maybe. The business...

  2. Federal employee exclusion | Ask PIA

    My insured took a job with the U.S. Post Office. She became alarmed when she was told by her employer that her personal auto policy would not cover her while on the job. Can this be true?

    You bet. Under these circumstances, the insurer will attach the Federal Employees Using Autos In Government Business (PP 03 01) endorsement to the policy, which only applies to coverage under Part A—Liability. The intent is to remove the U.S. government as a potential vicarious insured, as well as to remove...

  3. Golf carts off course | Ask PIA

    My customer lives in a trailer park and owns a golf cart. Will his homeowners policy cover him while using the golf cart to visit his neighbors in the trailer park?

    Section II—Liability Coverages of the 1991 edition of the ISO Homeowners Policy provides coverage on a golf cart while on the golf course and while on an insured location. However, the 2000 and later editions of the ISO Homeowners Policy have expanded coverage for “owned” golf carts (nonowned golf carts...

  4. Renewal policy substitute by affiliate insurer | Ask PIA

    When a new policy is issued to replace the previous policy at renewal, must the insurer provide a conditional renewal notice? Sometimes this occurs when an affiliate insurer or newly merged insurer performs the renewal.

    The answer is yes if the renewal is conditioned upon a change of limits, change in type of coverage, reduction of coverage, increased deductible or addition to exclusion, or upon increased premiums in excess of 10%. Provisions relating to the handling of a commercial policy after it has completed each...

  5. Horses | Ask PIA

    Will the Section II—Liability Coverages of the homeowners policy protect a policyholder from suits when a personal riding horse causes an auto accident?

    Yes. There is no exclusion in the policy that would preclude coverage.

  6. Substandard auto | Ask PIA

    What are the rules on charging service fees on substandard auto policies?

    Insurance agents and brokers may charge service fees according to the schedules shown in Connecticut Regulations Section 38a-707-2. On nonstandard auto policies, the fee is limited to $35 on the initial application only. Service charges are not permitted for renewals handled in the usual manner except that such fees may...

  7. Garage operations | Ask PIA

    I have a client who operates a garage where they service all different kinds of vehicles, from family cars to trucks, ATVs and even forklifts. If any of these are damaged while under my client’s care, custody or control, would there be coverage?

    Yes, if the policy includes garagekeepers coverage. This coverage protects a garage business (bailee) for its legal obligation to pay the customer (bailor) for damage to his vehicle (bailed property) when such damage results from the servicing, attending, repairing, parking or storing of the “customer’s auto.” A “customer’s auto” is...

  8. Fallen tree | Ask PIA

    Because of weakness caused by termites, a tree fell from a neighbor’s yard onto our insured’s home. Should our insured make a liability claim against the neighbor, or should he present a property claim against his policy?

    In order to recover from the neighbor, your insured must prove the neighbor was negligent in his maintenance of the tree. In order to prevent delays in repairing the damage, turn this in as a property claim, and let the insurer decide whether to subrogate.

  9. Customer liability coverage | Ask PIA

    Regarding garage liability for auto dealers—what is “unlimited customer liability coverage”?

    Check “Item Five—Liability Coverage For Your Customers” in the ISO Garage Declarations (CA DS 09 03 10) form. It states that “Unless indicated by ’X’ below, limited liability coverage is provided for your customers in accordance with paragraph a.(2)(d) of Who is an insured under Section II—Liability Coverage.” The a.(2)(d) limitation effectively...

  10. Noncooperation | Ask PIA

    My client’s car was hit by another auto. Now the other driver’s insurer has denied coverage due to lack of cooperation by its insured. Can they do this?

    Yes, under standard auto policies, they can do this. See the ISO Personal Automobile Policy, Part E—Duties After An Accident Or Loss, where it states: We have no duty to provide coverage under this policy unless there has been full compliance with the following duties.......

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