Category Archives: Ask Regina

Ask Regina

Q. Our insured had a total loss on their auto and the adjuster is not paying sales tax. Is that correct? A. No, the company owes sales tax to the insured on a total loss, it is part of the … Continue reading

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Ask Regina

Q. Our insured backed out of the driveway and hit his wife’s car. Both are insured on the same Texas TDI PAP and the adjuster is applying the collision deductible to each covered auto. Is this correct? A. Yes, if … Continue reading

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Ask Regina

Q. Does the PAP cover intra-family suits should a family member be injured in the insured’s vehicle in an at-fault accident? A. The TDI PAP limits recovery to any family member to the extent of the minimum limits of liability … Continue reading

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Ask Regina

Q. We have an agent in our office who has a General Lines Life & Health license. If he refers one of his accounts to another agent in our office who has a General Lines P&C license to write the … Continue reading

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Ask Regina

Q. Our insured has a corporate policy of no personal use of business autos used by employees. Recently, an employee used an auto for personal use and totaled the vehicle. Our insured has told the adjuster the employee did not … Continue reading

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Ask Regina

Q. Does IIAT have any checklists when reviewing or recommending coverages to an insured? A. Yes, IIAT’s Agency Guide to E&O Loss Control contains helpful Surveys and Checklists on Best Practices for Marketing and Selling insurance. Also, the Client Lifecycle section of … Continue reading

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Ask Regina: Central Texas Flooding

Q. For our insureds who have flooded autos, is there any loss-of-use coverage under comprehensive coverage on their PAP? A. The PAP provides Transportation Expenses, but the Texas TDI PAP only applies to a total theft of the covered auto. You … Continue reading

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Ask Regina

Q. Does the BAP or PAP cover personal items like a computer or guns, or other equipment etc., in the vehicle for loss? A. For both policies, the insuring agreement for physical damage covers the loss to the covered auto … Continue reading

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Ask Regina

Q. One of our insured’s ran into the corner of their house and caused damage to the house. Will their PAP cover the damage? A. It depends on whether or not they rent their house or own their house. The … Continue reading

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Ask Regina

Q. We just had a client call asking about rental coverage for U-Haul Truck they will be renting to move their household goods. They currently have an ISO Personal Auto policy. What coverage do they have, if any? A. A … Continue reading

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