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Car Pooling – Part 2

Monday, 04 March 2013 by

Car Pooling – Part 2 Note: Please be sure to read “Car Pooling – Part 1″ You have already learned that many drivers use different ride-sharing arrangements. The typical automobile insurance policy covers these arrangements because the driving exposure is essentially the same. The common policy exclusion that refers to “public or livery conveyances” is

Children Who Do Not Live at Home Have Different Auto-Policy Coverage-2012   Your  21-year old daughter finally saved enough money to move out of her parents’ house and into her own apartment. When she moves, she takes “her” care with her. It is not really “her” car, as it is titled to her mom and

Diminished Value

Wednesday, 08 February 2012 by

Has your car ever suffered from diminished value (DV)? DV refers to damage to an auto that reduces its market value and there are several different types of DV: Inherent DV: Describes a general conviction that a wrecked vehicle, which is then repaired, is less valuable than a vehicle that has never been damaged. This

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Maintaining Underlying Coverages

Thursday, 26 January 2012 by

Umbrella insurance only works properly when the primary (underlying) coverages are maintained.  In fact, the obligation to make sure proper support remains in place is part of the umbrella insurance contract. It is found in the policy’s “Maintenance of Underlying Coverage” provision. The provision typically refers to the policy’s schedule or declarations where all of

A Stormy Issue

Wednesday, 18 January 2012 by

When the topic of exotic, ideal locations for vacations comes up; island paradises and tropical locales are always popular. The water, the beaches, the warm winds are very attractive conditions. However, they are also the originating locales for tropical storms and hurricanes. The dark side of the tropics is that all of the water and

Auto Policy Exclusions

Friday, 06 January 2012 by

Besides proving that you’re a responsible driver, having auto insurance also means that you’re complying with your state’s requirements for driving on its roadways. However, even if you have auto insurance, there are still instances, called exclusions, when your policy won’t provide coverage. Why should exclusions exist in an insurance contract? There are several different