• 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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  • Personal Injury Protection—New York—Archived Article

    Personal Injury Protection—New York—Archived Article Automobile No-Fault Endorsement Summary: The New York Comprehensive Motor Vehicle Insurance Reparations Act provides that every owner's liability insurance policy written on a motor vehicle in compliance with state financial...

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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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  • Rejection of Uninsured Motorist Coverage by Named Insured for All Insureds—Archived Article

    Rejection of Uninsured Motorist Coverage by Named Insured for All Insureds—Archived Article The following chart illustrates which state statutes allow one insured's rejection of uninsured motorist coverage to be binding on all insureds on a policy. This chart addresses only the language of...

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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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  • Personal Lines Coverage Gaps - Archive

    Personal Lines Coverage Gaps - Archive Can They Be Filled? Summary: For most personal lines insureds, standard homeowners and auto policies provide sufficient coverage. There are situations, however, that qualify for special attention—coverage gaps that should be filled to maximize protection...

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  • Insurable Interest in Stolen Autos - Archive

    Insurable Interest in Stolen Autos - Archive Recovery by Innocent Purchaser—Court Cases Summary: Whether an innocent purchaser of a stolen automobile may recover insurance proceeds for subsequent damage to that auto varies from state to state, based upon the jurisdiction's position on the...

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  • Handling a Total Auto Loss - Archive

    Handling a Total Auto Loss - Archive The Adjuster's Point of View Summary: A total loss can be a difficult situation for an insured—especially if he or she still owes more money on the car than it is worth. Claim representatives and agents must be sensitive to the needs of the insured and handle...

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