| Impact of Riders/Endorsements on Auto Insurance Policies |
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| A rider is a paper attached to a document that amends the document. In an automobile insurance policy, a rider can modify the conditions of the insurance policy. It can increase or decrease the policy's benefits. It can add exclusions from coverage, like a crime exclusion clause. The use of the rider means that the entire policy does not have to be rewritten if a change needs to be made. Riders are also known as endorsements, slips, or rubber stamps. More... |
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| Auto Insurance Coverage for Permissive Users |
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| If a motor vehicle driver had permission to use an insured vehicle and has an accident, the vehicle owner's automobile insurance policy may provide coverage. The permission had to be given by a named insured on the policy. The permission could be either express or implied. The permission had to exist at the time of the accident. More... |
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| Ambiguity in Auto Insurance Policy Language |
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| Policies of motor vehicle insurance are detailed documents that cover numerous aspects of the business relationship between an insurer and its insured. When this fact is matched up with the great variety of ways in which incidents can occur that may give rise to claims under a policy, it will not be considered surprising that the insurer and the insured will sometimes hold differing views of the meaning of a particular policy provision. When a party to a contract of motor vehicle insurance asserts that potential ambiguities exist in the language of an auto insurance policy, courts are often called upon to decide the meanings of the disputed policy terms and rule on related issues of coverage under the policy. More... |
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| Role of Auto Accident Reconstruction Experts |
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| Automobile accidents can be very messy. In order to determine what led to an accident, an automobile accident reconstruction expert can be employed. The expert will try to determine the most probable reason for the accident. Automobile accident reconstruction experts use information from the accident scene, witnesses, the damaged vehicles, and other sources to make conclusions about how the accident happened and, sometimes, why it happened. The expert can be called to testify at a trial on his or her conclusions in an effort to help the jury. More... |
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| Tort Liability of Owners/Operators of Private Motor Vehicles |
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| While the owners and operators of private motor vehicles sometimes think of their possession of auto insurance as totally eliminating any potential tort liability on their parts, such owners and operators remain subject to the tort system to the extent that their insurance coverage does not encompass part or all of their legal liability for an incident that has caused personal injury or property damage to another person. Such a situation can arise, for example, where a court judgment reflecting injury or damage caused by an insured private vehicle owner or operator exceeds the limits of his or her policy, or where the insured's failure to provide required notice to an insurer or cooperate in the defense of a legal action causes the insurer to assert that it is not required to provide coverage for the loss under the policy. More... |
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