PIA Search

Results 1541 - 1550 of 3226

  1. Quebec coverage requirements | Ask PIA

    We have been asked to issue a certificate of insurance for a trucker who sometimes operates in Quebec, regarding coverage that the province requires. Does our policy provide coverage as required in Quebec? How can I obtain Quebec’s exact requirements?

    To answer your first question Connecticut Insurance Law Section 38a-335(c) specifies that each automobile liability insurance policy issued in Connecticut “shall provide that if the provisions of the motor vehicle financial responsibility law or the compulsory insurance law or any similar law of any state, territory or possession of the...

  2. Rental car | Ask PIA

    Which policy is primary when someone rents a car in Connecticut?

    A 1998 Supreme Court decision made the renter’s personal auto policy primary and the rental company’s policy excess when the renter assumed primary liability in the rental agreement (see Hertz Corp. v. Federal Insurance Co.). The Federal policy insuring the renter stated that it would be excess over any...

  3.  ‘Service bus’ operator’s license | Ask PIA

    We insure a social-service agency. Their employees transport children who reside at their facility. They drive regular private-passenger-type minivans (i.e., Plymouth Voyagers and Dodge Caravans). Recently, our insured said that another operation similar to their own had an employee who was stopped by the police and cited for not having...

    According to the Connecticut Department of Motor Vehicles website, Public Passenger Endorsements to the operator’s license are required for individuals who operate “service buses.” Included are any vehicle (except a vanpool) designed to carry 10 or more persons when used in private service for the transportation of persons without charge...

  4. Bank’s flood, fire coverage requirements | Ask PIA

    Our client’s bank is increasing their flood insurance requirement from $185,000 to $250,000. The client recently took out a second mortgage with this bank, which also holds their first mortgage. Can the bank make this requirement? Isn’t there a law about how much insurance a bank can require?

    Federal law requires a lender to enforce flood insurance requirements at the maximum limits available under the National Flood Insurance Program, or for the amount of the loan, whichever is less. This provision was part of the 1994 federal flood insurance reforms. The law states lending institutions cannot “make,...

  5. Coverage for bike—car accident | Ask PIA

    While my insured was out riding his bike, he hit and damaged a car. Which policy pays—his auto or his homeowners?

    The homeowners policy pays for the damage he caused to the car. The standard homeowners policy’s liability exclusion applies only to damage arising in connection with motorized vehicles, so the use of his bike (vehicle without a motor), is not excluded. But, if your insured had been injured, he...

  6. Cancellation notice—nonpayment | Ask PIA

    A general liability policy we sold was canceled for nonpayment, but our client says that they never received any prior notice. Doesn’t the company have to give direct notice to the insured?

    Yes. Under C.G.S.A. Section 38a-324(a), which applies to commercial-risk policies, “No notice of cancellation shall be effective unless it is sent, by registered or certified mail or by mail evidenced by a U.S. Post Office certificate of mailing or delivered by the insurer to the named insured by the required...

  7. Connecticut comparative negligence law | Ask PIA

    How does Connecticut’s comparative negligence law work when there are multiple defendants?

    The rules governing allocation of responsibility in Connecticut are found in Section 52-572h of the law. In causes of action based on negligence, contributory negligence shall not bar recovery in an action by any person or his legal representative to recover damages resulting from personal injury, wrongful death...

  8. Online self-study courses OK for continuing education | Ask PIA

    Can I fulfill Connecticut's continuing-education requirements with online self-study courses?

    Yes. Connecticut allows you to take online self-study courses to fulfill your continuing-education requirement. PIACT's partnership with CEU.com provides courses that have been approved for CE credits in Connecticut and nearly every other state.To check out this option, just go to: www.pia.org/ct/, check out the upcoming education programs and...

  9. Lenders—FEMA checks | Ask PIA

    Our client received his FEMA claim check and when he attempted to deposit it into his bank account the bank, who happens to be a mortgagee, confiscated it and told him the funds will be held and that the bank will decide what funds are to be released when they...

    Doesn’t seem possible does it? If you have a mortgage on your house, however, the check for repairs will generally be made out to both you and the mortgage lender. As a condition of granting a mortgage, lenders usually require that they are named in the homeowners policy and that...

  10. Coverage considerations when hiring au pairs | Ask PIA

    Our clients are planning to hire an au pair through a foreign agency to clean house, watch their children, etc., in exchange for room and board for six months to a year. What are the insurance considerations?

    Workers’ compensation. Under Connecticut Workers’ Compensation Law, the arrangement with this individual requires workers’ compensation coverage based on the hours to be worked, despite the absence of actual payroll. Room and board is considered remuneration. An “employee” means any person who has entered into or works under any contract of service or...

Search
Filter Clear