Category Archives: Ask Regina

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

Posted in Ask Regina, Uncategorized | Tagged , , | Leave a comment

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

Posted in Ask Regina, Uncategorized | Tagged , , | Leave a comment

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

Posted in Ask Regina | Tagged , | Leave a comment

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

Posted in Ask Regina | Tagged , , | Leave a comment

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

Posted in Ask Regina, Uncategorized | Tagged , , | Leave a comment

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

Posted in Ask Regina, Uncategorized | Tagged | Leave a comment

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

Posted in Ask Regina, Uncategorized | Tagged , | Leave a comment

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

Posted in Ask Regina, Uncategorized | Tagged , , | Leave a comment

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

Posted in Ask Regina | Tagged , | Leave a comment

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

Posted in Ask Regina | Tagged , , | 1 Comment