Q. An insured’s wife, who is insured on a PAP, hit her husband’s company car that is insured on a BAP with her personal auto. He is the primary owner of the business but the car is titled in the name of the business entity. The PAP carrier has denied the claim. Is this correct?
A. No, the only exclusion they might use to deny the claim is the property damage to property rented to, used by, or in the care of the insured. The insured on the PAP is the wife, and the company car the wife hit was not rented to, used by, or in the care of the wife, so the liability on the PAP should pay for the damage.