Category Archives: Ask Regina

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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Ask Regina

Q. We have an insured who had hail damage to their roof almost a year ago and didn’t realize it until they had a roof inspection. Their policy has replacement cost but the company is only paying ACV because of … Continue reading

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Ask Regina

Q. One of our insureds continued to pay the salary of an injured employee while the employee was receiving loss-of-income benefits from the workers compensation carrier.  Can the insured/employer be reimbursed? A. No, an employer is not entitled to and … Continue reading

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Ask Regina

Q. Our insured was in a minor accident driving a U-Haul Ford F650. There was no damage to the truck but there was damage to the other vehicle. The carrier is referencing the definition of “your covered auto” in which it limits … Continue reading

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Ask Regina

Q. Our insured’s son has moved out of the house and took a car that is titled in his father’s name. The car is insured on a PAP with the father as the named insured. Does the son still have … Continue reading

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Ask Regina

Q. We have a GL audit that we cannot collect. The insured no longer carries GL but we still write other lines of insurance for them. Can we cancel the other policies for non-payment of the audit to the agency? … Continue reading

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Ask Regina

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 … Continue reading

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Ask Regina

Q. What is the purpose and function of the GL form CG 22 94 Damage To Work Performed By Subcontractors On You Behalf, which is being attached to many of our contractors policies? A. This is an endorsement to be … Continue reading

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