How do you know if a form is pure ISO or not? How do you know how good or bad a form is for your customer? This article addresses one example and references additional articles so you can dig as deep as you like on the subject. Your E&O carrier will appreciate it.
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According to news accounts, auto repairs may sometimes take months due to the limited supply of chips and circuit boards. Unfortunately, the amount of coverage for loss of use is fairly limited in most auto policies. However, the exposure may be even greater when a rental car is damaged.
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One of the most common questions agents get from customers is, “Do I need to buy the damage waiver when I rent a car?” The answer to that is almost always “Yes,” though you will find scores of media articles (including our own industry) that dangerously advise otherwise.
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You’re injured when struck by a motor vehicle. Your auto policy covers you as a pedestrian for medical payments and possibly un(der)insured motorists and/or PIP coverage. Does “pedestrian” status limit you to coverage only if you’re on foot? What about being in a wheel chair? Skateboard? Roller skates? Bicycle? What if you’re sitting down or standing but not walking? Are you a pedestrian?
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An auto insurer has advertised that “You get the SAME COVERAGE, often for less” and “SAME COVERAGE, Better Value.” Is this effectively saying that the only difference between their policy and others is price? Is that true? If not, is this false or misleading advertising?
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Yet another online insurance quoting web site says that it makes an “apples to apples” comparison of insurance policies to provide the “same” or “exact” coverage for hundreds of dollars less. Is this claim an unfair trade practice or just bloviated puffery?
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If your car is stolen and not recovered for months or longer, your auto policy likely pays for the ACV of your vehicle. However, if the thief commits a crime and your auto is confiscated for the months or longer required to try the case, your loss is excluded. Property policies have similar “government action” exclusions. Is it time for a change?
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Have you ever wanted to present a simple, entertaining, but informative, program to high school students and their parents about insurance? If so, would you be interested in a turn-key program that includes a PowerPoint, presenter notes, and handouts? If so, please take this 1-minute survey.
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