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Auto
Extended rental period
My client has two cars insured on a personal automobile policy. His son is away at college, so the two vehicles have been adequate for him and his wife. His son is coming home for the summer, and my client wants to rent a third car for two-and-a-half months. He would drive the rental car, and his son would drive one of their own vehicles. Will he have coverage for the rental car under the personal auto policy?
Charging for accident of unlicensed user
Our insured’s child, who is 18 and not licensed, took our insured’s car and had an accident. The insurer intends to surcharge for the accident. The child was not a listed driver in the household.
Uninsured motorist property damage coverage
Our insured was hit by an uninsured motorist. There were no injuries, but there was property damage to his truck. We assumed the damages would be covered by the Uninsured Motorist Property Damage coverage of his commercial auto policy, but the insurer denied the claim and referred the insured to the policy’s collision coverage, subject to a deductible. Is this right?
After-market parts
What are the rules governing the use of after-market parts in New Jersey?
Resident family member
My clients insure a vehicle, used by their son at college, on a personal auto policy. The parents are planning to leave the country for two years. They have made arrangements to have the policy billed at the grandparent’s address.
Is it alright to leave the parents as the named insureds on this policy?
Joint ownership coverage endorsement
Could you clarify what the Joint Ownership Coverage (PP 03 34) endorsement to the Insurance Services Office Personal Auto Policy is designed to do?
Coverage not terminated by plate surrender
Our insured’s vehicle was hit while parked. We reported the loss to the negligent party’s carrier to collect on a third-party basis. The company confirmed that coverage was in place.
Then, three weeks later, the company told us their insured had surrendered his plates the day before the accident. (He had borrowed somebody’s plates and put them on the vehicle to move it from one place to another.) It looks like the carrier may try to deny the claim based on the surrender of the plates. Would they be able to do this?
BAP Symbol 7—newly acquired auto coverage
Our insured has an business auto policy written with Symbol 7 for comprehensive coverage on the ISO Business Auto Coverage Form. If a comprehensive loss occurs to a newly acquired auto within 30 days after acquisition, but before notifying our agency or the insurer that the auto has been acquired, would this loss be covered?
Falling object
As a car is driving down the highway behind a truck, something flies off the truck. The car can’t avoid the object and runs over it, causing a puncture in the gas tank. Is this comprehensive (falling object) or collision? Also, does this constitute a chargeable accident?
Transgender operators
How does a producer address transgender operators when placing auto insurance?