Personal Auto Exposures – Part 1
Reviews the liability exposures associated with owning a personal auto including the legal basis for liability, eligibility and underwriting concerns and how to evaluate coverage in independent company forms. Discover how the policy responds to common customer questions and consumer protections in Texas.
Topics include:
- Policy as a contract
- Functions of the auto policy
- Eligibility
- Principles of liability
- Definitions
- Exclusions
- Common problems and solutions
- Underwriting considerations
- Variations in independent company forms
- Communicating with customers
- Consumer protections
Personal Auto Exposures – Part 2
Explore the first party coverages in the personal auto policy including uninsured motorists, personal injury protection and physical damage. Additional topics include common customer questions, the problems with loss valuation and variations in individual company forms.
Topics include:
- Personal injury protection vs. medical payments
- Uninsured motorist issues
- Physical damage coverage
- Custom furnishings
- Valuation of losses
- Rental car exposures
- Common problems and solutions
- Variations in independent company forms
- Communicating with customers
Personal Liability Exposures
Learn about a variety of exposures common to the personal insurance customer. Review the liability section of the homeowners policy, internet exposures, watercraft exposures and common customer questions. Learn more about insuring in-home businesses, underwriting considerations and umbrella policies.
Topics include:
- Principles of liability
- Liability coverage in the homeowners policy
- Common problems and solutions
- In-home business exposures
- Specialty policies
- Special events
- Internet exposures
- Umbrella liability
- Watercraft liability
- Identity theft
- Underwriting considerations
- Communicating with customers