If an employee rents a car on a business trip, is this a Symbol 8 (hired) or Symbol 9 (nonowned) exposure? Under an unendorsed BAP, it depends on who is technically hiring the auto…the employer or the employee. This governs whether the employer and employee are covered or not under the BAP. In addition, if…
An insured owns and operates a truck with a snow plow. While detached in his yard, the plow was damaged by a tree uprooted in a windstorm. The truck is insured on a BAP with collision and comprehensive coverage and the cost new of the vehicle included the value of the plow. The insurer has…
An auto collision occurred in a remote location. The towing bill of $457 was declined by the adjuster since no towing and labor coverage had been purchased. However, the policy requires the owner to protect the property from further damage and implies that such expenses are covered. Who’s right?
