• Autonomous Vehicles-ARCHIVE

    Autonomous Vehicles-ARCHIVE Introduction The topic of driverless cars has caught the imaginations of many people. Who wouldn't want to relax as his car drove him to work, then parked itself? Families could reduce the number of vehicles they own if mom could take the car to work then send it home...

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  • Financial Responsibility and Compulsory Insurance Laws—Archived Article

    Financial Responsibility and Compulsory Insurance Laws—Archived Article Effective in All States Summary: All states have laws that assure compensation for victims of automobile accidents. The five types of statutes in effect presently are: (1) financial responsibility laws; (2) compulsory...

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  • Table of Limits—Archived Article

    Table of Limits—Archived Article Financial Responsibility and Compulsory Insurance Laws Summary: The table that follows displays the minimum financial responsibility or compulsory liability insurance limits for all states, the District of Columbia, and Puerto Rico. Topics covered: Split or...

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  • Uninsured Motorists Requirements By State—Archived Article

    Uninsured Motorists Requirements By State—Archived Article State-By-State Summary Summary: Just as the various states have different requirements for automobile liability coverage, they also have different requirements concerning uninsured motorists (UM) coverage. This treatment presents a...

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  • Duty to Defend—Archived Article

    Duty to Defend—Archived Article Broader Than the Duty to Indemnify Summary: It is a long-held axiom that an insurer's duty to defend is broader than the duty to indemnify. But what encompasses that duty? On what is the duty based: the factual allegations in the complaint, or legal theories...

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  • Business Auto Form Liability Part - Archive

    Business Auto Form Liability Part - Archive Section II of the Auto Form Summary: Section II of the business auto coverage form, CA 00 01 03 10 , contains the provisions relating directly and exclusively to auto liability coverage. These provisions include the insuring agreement, limit of...

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  • Garage Policy—Archived Article

    Garage Policy—Archived Article Highly Specialized Coverage Form Summary: Few businesses have had the special attention from insurers as have those dealing with automobiles. Most businesses are offered general forms to adapt to their particular liability, automobile, and property coverage...

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  • Business Auto Form - Conditions - Archive

    Business Auto Form - Conditions - Archive Section IV Summary: The conditions section that appears in the current auto coverage form has been reorganized compared to previous versions. The substantive changes have been few; most of the changes have dealt with revamping the format. Some of the...

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  • Business Auto Endorsements—Archived Article

    Business Auto Endorsements—Archived Article Listing and Descriptions Summary: The business auto coverage form can be modified in several ways by the use of endorsements; additional insureds can be added to the coverage form, exclusions can be added or modified, existing coverages can be...

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  • Business Auto Definitions - Archive

    Business Auto Definitions - Archive Words and Terms Used Throughout The Policy Summary: Words and terms that have a contractually defined meaning that applies throughout the business auto coverage auto form are discussed in this article. Most of the terms are defined in section V of the auto...

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  • Business Auto Form Declarations and Coverage Symbols - Archive

    Business Auto Form Declarations and Coverage Symbols - Archive Declarations and Symbols Summary: Effective January 1, 1987, the Insurance Services Office (ISO) introduced a business auto coverage form that was compatible with the ISO commercial package policy program. Before that auto form, ISO...

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