The jaw-dropping case of a $5.2 million award against GEICO for transmission (excuse the pun) in a car of a sexual disease, human papillomavirus (HPV), is one for the books. Read our two earlier discussions, because once again, it’s a read-the-darn policy moment. The puns just keep rolling, as will this case into Federal courtland,…
While the ISO personal auto policy appears to wholly exclude any coverage for a person contracting a STD in an auto, this is not necessarily true of all coverage forms. Does the GEICO policy have a problem? Might it extend coverage because it doesn’t use ISO language? Maybe!
Does the personal auto policy extend coverage for a STD supposedly contracted in an insured auto? Well, “disease” is within the definition of bodily injury and there is no specific exclusion – so don’t laugh.
For the personal auto insurance industry, food delivery is a big exposure. And because so many teenagers and even young adults deliver food as a primary or secondary source of income, agents are regularly asked if the PAP covers food delivery. Does the PAP extend coverage for food delivery? Well, maybe! Like so many other…
Over the last several days, the VU has fielded several auto insurance related questions as it pertains to food delivery and the Coronavirus. These questions cannot be classed simply as personal auto or business auto questions because the most common question involves both polices.
Opinions vary regarding the widespread availability and ultimate acceptance in the US of fully autonomous vehicles. Some foresee widespread adoption of fully autonomous vehicles within the next “automotive generation” (within 12 years); others believe fully autonomous vehicles won’t be the “rule” for at least two or three automotive generations (24 to 36 years). Both sides…
In practical application, the PAP extends coverage for the business use of a “your covered auto” provided it’s not used to carry people or property for a fee (i.e., Uber or Lyft). Absent material misrepresentation in the application regarding the use of the vehicle, the PAP responds to an incident arising from business use. But…
A father’s nonresident daughter borrowed his camper trailer to be hauled by her SUV. Dad hooked the vehicles up. While the trailer was being towed, it somehow became uncoupled, and the tongue of the trailer rammed the rear of the daughter’s SUV, causing several thousand dollars damage. Dad thinks this is his fault and wants…
It is remarkable how many questions we get about exposures involving pulling trailers. Pulling personally-owned trailers with business-owned autos. Pulling business-owned trailers with personally-owned autos. Using trailers as music stages. And on and on. Here’s a very common one.
Commonly referred to as the “company car exclusion,” the “furnished or available for your regular use” exclusion can apply to a lot more than that. In addition, what constitutes “regular”? For example, if you rent a car on vacation for a week, is that “regular”? How about a month-long rental? How about 90 days? At…
