Results 1511 - 1520 of 3226
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Coverage for doctor’s employees | Ask PIA
We received a call from a client who works as a secretary in a doctor’s office. She heard about someone in a similar job who had been sued for making a patient wait to see the doctor. We feel the employer’s medical malpractice policy should cover her. We looked at...
If the doctor is insured under a medical malpractice policy, the employees in the office also would be insured. However, if the doctor is not insured, your client is unprotected.
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Coverage for day-care transport | Ask PIA
Our insured provides family day-care in her home. When she is driving the children in her car, would any accident be covered under her personal auto policy, or does she need a commercial policy?
The personal auto policy will cover your insured’s liability for injuries to passengers in her auto, including children for whom she is providing day-care. You need not be concerned over Part A—Liability exclusion (5) directed at “liability arising out of the ownership or operation of a vehicle while it is...
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Duty to defend when limits exhausted | Ask PIA
Under the personal auto policy, are the liability limits reduced by the legal costs of defending the claim?
Under the personal auto policy, defense costs are paid by the insurer in addition to the amounts paid under the liability coverage for settlements or judgments. However, the insurer’s obligation to defend the insured ends when the liability limits have been exhausted. For example, suppose a policy’s bodily injury liability...
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PAP coverage for hauling boats in connection with business | Ask PIA
My client has a personal auto policy. He also owns a business. About two or three times a year, he hauls boats that are connected with his business. Would his personal auto policy exclude liability coverage if a claim occurs?
There is no exclusion that would preclude coverage for liability or physical damage coverage, as long as your client is using a covered vehicle that is a private-passenger auto, pickup or van. Owned, nonowned and temporary substitute trailers are automatically covered for liability while being towed by a covered auto....
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Personal auto policy coverage for hauling boats in connection with business | Ask PIA
My client has a personal automobile policy. He also owns a business. About two or three times a year, he hauls boats that are connected with this business. Would his personal automobile policy exclude liability coverage if a claim occurs?
No, there is no exclusion that would preclude coverage for liability, as long as your client is using a covered vehicle on a personal automobile policy that is a private-passenger auto, pickup or van. These vehicles are not subject to the business use exclusion and trailers pulled by them also...
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Motor home not covered if rented to friend | Ask PIA
Our client owns a motor home, insured under a personal auto policy. He wants to rent it to a friend and wants to know if it will still be covered while rented.
No, it won’t be covered. When the PP 03 23 Miscellaneous Type Vehicle Endorsement insures a motor home, an additional endorsement, PP 03 28 Miscellaneous Type Vehicle Amendment (Motor Homes), is attached to the policy. This endorsement is designed to exclude liability, medical payments and physical damage coverage on the...
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Damage to plow | Ask PIA
We’ve run into a claim dispute over a snowplow attached to a pickup truck. The insurer is denying the claim for damage to the plow, based on the exclusion applying to “any custom furnishings or equipment in or upon any pickup or van.” Are they correct? If so, other PIA...
Unfortunately, this denial is supported by language in the 2005 edition of the Insurance Services Office Inc. Personal Auto Policy. Equipment (not defined) is covered in the Insuring Agreement, but excluded for pickups or vans in the exclusion you cite. In order to obtain coverage, the Excess Custom Equipment Coverage...
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Nonowned trailer | Ask PIA
We have an insured who is a salesperson for a recreational vehicle dealer. Occasionally, the salesperson will take one of the campers, hook it up to their own truck and haul it to an RV show. We’re concerned about coverage for this activity.
This is an interesting scenario. The insured’s truck is covered for liability, but not the trailer. That’s because a nonowned trailer is not “your covered auto”; and only the insured’s use of “your covered auto” is insured when used in a garage or dealer business. I should think that apportioning...
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No license, no permit | Ask PIA
We have a company that went ahead and added a 16-year-old to his parents’ auto policy, even though this teenager doesn’t have a license or a permit and has no accidents or tickets. The company says that so many people neglect to add their children when the children start driving...
The typical manual rules (e.g., Insurance Services Office Inc.) indicate a rate to be charged for a youth who is an applicant or a resident household member who customarily operates an auto. Youths who are not licensed or operating under a learner’s permit cannot be an operator of an auto...
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Customizing equipment endorsement | Ask PIA
We have an insured with a conversion van that has an automatic lift to accommodate a handicapped individual. The company has added the Customizing Equipment Coverage (PP 03 18) endorsement, but says that it will not cover the ramp, since the lift controls are electronic. We do not think the...
An electronically controlled ramp would be provided coverage under the Customizing Equipment Coverage (PP 03 18) endorsement. Coverage provided by this endorsement includes “loss to custom furnishings or equipment,” with “equipment” being a very broad term, not limited to the four categories listed in the endorsement. The exclusion language the...