In 2019, I authored a monthly column in Insurance Journal magazine that consisted of a 12-part series based on my book “When Words Collide: Resolving Insurance Coverage and Claims Disputes.” This blog post includes a listing of, and link to, each column.
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Do you sell any commercial lines insurance policies for $11-$29 a month? Do you sell any commercial lines insurance policies, start to finish, in less than 10 minutes? Here’s an organization that says it can and does.
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If a volunteer is reimbursed for mileage when using his or her vehicle for someone, is that a hired or nonowned auto liability exposure? Is it hiring, borrowing, or neither? In other words, is it Symbol 8 or Symbol 9?
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Ice from a lake damages a home. The ice could have been forced onto land by wind or simply the expansion of the ice itself. The question is, would there be insurance coverage for the damage?
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“I have an in-home ‘business’ involving the manufacturing and distribution of toys for children. I do not charge for these toys and earn no income from them. I have both on- and off-premises exposures for damage to the toys, my personal property, and my liability. Does my HO-3 cover me? I also operate a vehicle that travels largely by air, but with very frequent ground stops. The vehicle is unlicensed and, while it can be used on public roads, it was not designed as such nor is it used that way. Will the ISO personal auto policy protect me, is my homeowners sufficient, or do I need a recreational vehicle policy?”
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Under most personal auto policies, medical payments (and sometimes other coverages) are extended to resident family members when struck by a motor vehicle as a pedestrian. The question is, what is a “pedestrian”? Is it only someone on foot or could it be someone in a wheel chair or on a bicycle?
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In the spirit of this holiday season, thanks to all of my blog subscribers and, in keeping with the sentiment of the season, here is an article about the proven benefits of gratitude.
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The only real difference between auto insurance policies is the price, right? Not really. Here are four real-life claim illustrations of critical differences, along with another dozen examples of coverage differences. And this is just a small marketplace sampling.
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BONUS! Purchasers of this book get a free PDF download of my book “QuoteNotes: The Ultimate Quotational Reference System and Authoring Tool for Professional Speakers and Writers” endorsed by Zig Ziglar and Brian Tracy. This is an indexed and cross-referenced compilation of my 1,500 favorite quotes and includes a section on how to use quotations in your speaking and writing.
To get BOTH books at a discounted price, click the book cover or CLICK HERE.