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20 Jan, 2015

Auto Coverage for Business Use – A Primer

2018-04-23T20:59:42-05:00January 20th, 2015|Auto coverage, Business Pursuit Exclusion, Midwest Insurance Law Guide|

Does Your Personal Auto Policy Cover Losses Which Occur During A Business Pursuit? More and more of us are using our own car for work purposes. If we are involved in a car accident while working, are the losses covered?  Maybe and maybe not. The standard ISO personal auto policy form states that:                   This coverage does not apply to:                    * * * Bodily injury and property damage arising out of the ownership,                    maintenance [...]

1 Jul, 2014

SHOULD YOU BUY EXTRA CAR RENTAL INSURANCE?

2018-04-23T20:59:43-05:00July 1st, 2014|Auto coverage, Midwest Insurance Law Guide, Policyholder|

ARE YOU COVERED FOR LOSSES WHEN YOU RENT A CAR? OR SHOULD YOU BUY SEPARATE RENTAL INSURANCE?    My son and I went fly fishing with family in Montana last week.  We rented a car from Budget.  I insisted that my brother in law be added to the car rental agreement as an authorized driver.  I would not let anyone else drive the car for the week - which meant that either [...]

24 Sep, 2013

HOW CAN A PEDESTRIAN “OCCUPY” A CAR?

2018-04-23T20:59:44-05:00September 24th, 2013|Auto coverage, Midwest Insurance Law Guide|

The 6th Circuit Court Tells Us. Taking an unusually didactic tone toward the insurer State Farm, the 6th Circuit Court of Appeals reversed a decision for the insurer and found coverage for a pedestrian hit by a car. In Bennett v. State Farm Mutual Automobile Company, No. 13-3047 (6th Cir. Sept. 24, 2013) (click on link to access a full copy of the opinion) issued today, the plaintiff was a pedestrian who was struck by a car.  When the car hit the plaintiff, she [...]

3 Apr, 2013

Insurance Road Kill

2018-04-23T20:59:44-05:00April 3rd, 2013|Auto coverage, Midwest Insurance Law Guide|

I spent a part of this weekend holiday hiking in the northern Ozarks down near the Missouri/Arkansas border.  The variegated mountains with cedar trees and broad shale rock ledges are captivating.  The highlight of my back country trip was the presence of two massive turkey vultures that I encountered in the middle of a gravel road as I rounded a steep bend.   Like roaches and spiders, a vulture’s functional design [...]