Persons Using a Covered Auto The PAP’s liability insuring agreement provides broad coverage to any persons (that is, individuals) using...

Auto accidents are not usually caused by passengers or pedestrians. However, there are exceptions. It is possible for a passenger to...

Notice that insured status does not depend on being listed in the application or in the policy’s declarations. An insured, as used in the...

Definitions In order to understand the ISO Personal Vehicle Manual rules that deal with the issue of who may be insured, it’s necessary...

This question is important because the person or persons the policy identifies as named insured(s) have more rights than other parties...

Auto insurance doesn’t protect cars. Auto insurance protects people. It protects people against financial losses that can result when...

Technically, car insurance is tied to the car. That means if you let someone else drive your car, your insurance may kick in if there is...

Every claim you make—and even if you ask an insurance agent about making a claim—gets entered into a database that your current and...

Does it matter what kind of car you drive? The total value of your car, what type of vehicle it is, and what type of safety rating it has...