| Tort Liability for Use of Emergency Vehicles |
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| The operations of emergency vehicles are a common everyday feature on the streets and highways of the United States. These operations consist of the employment of vehicles that include ambulances, police cars, and fire trucks in response to situations demanding more or less immediate reaction. Due to the frequency of their operations and the nature of their use, emergency vehicles are inevitably involved in accidents that result in the bringing of legal actions seeking to recover damages for death, personal injury, or property damage caused by such accidents. More... |
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| Setoffs and Underinsured Motorist Insurance Policies |
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| An automobile insurance policy may contain a set-off clause, which provides that an insured cannot recover bodily injury benefits under both the liability coverage part and the underinsured motorist coverage part of the policy. When an insured fully recovers his or her losses under the liability provision of an automobile insurance policy, the insured could not then seek to recover under the underinsured motorist provision of the same policy. More... |
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| Cancellation of Auto Insurance for Misrepresentations in Application |
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| While an insurer may sometimes cancel a policy for misrepresentations made during the application process, the insurer's right to do so may be limited by legal principles that take into consideration such things as the nature and extent of the misrepresentations made, the insurer's own diligence in determining the true facts of the situation, and the consequences for innocent third parties who have in effect placed their reliance on the insurer's action in issuing a policy whose issuance it has now come to regret. More... |
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| Coverage For Employees Operating Vehicles Within the Course of Employment |
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| Vehicles are very important for the conduct of business. From making deliveries to taking employees on sales calls, employers often make vehicles available to employees to use in the course of their employment. Corporate insureds can obtain fleet insurance for motor vehicles from their automobile insurance company. That insurance generally covers injury, damage, or theft of owned or leased vehicles. It also provides coverage to the corporate insured if its employees are involved in an accident while driving a fleet vehicle on company business. A fleet insurance policy will cover a number of vehicles in one policy that are owned or leased by one corporate insured. More... |
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| Auto Insurance Coverage for Unlicensed Drivers |
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| Possession of a valid driver's license, while a prerequisite for the legal operation of a car or truck on the public roads, is clearly not a prerequisite for being physically capable of driving a vehicle. As a result, a great many motor vehicles in the United States are driven by persons not legally licensed to do so. Such unlicensed operations, and the vehicular accidents that inevitably result from them, raise a number of issues in the area of motor vehicle insurance. More... |
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