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20 Apr, 2017

Underinsured Motor Coverage Is Not Like An Excess Policy

2018-05-24T15:04:59-05:00April 20th, 2017|Midwest Insurance Law Guide, Underinsured motorists coverage|

My Dear Readers:  a query. Do you really understand underinsured motorists coverage? If not, you are much like the Williams family.  They sought to collect money from their automobile insurer after the death of their daughter in an auto accident caused by Myers.   Their insurer denied the claim, even though the Williams paid for and expected this coverage to make up the difference in damages. Does this sound fair? It [...]

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 [...]