Personal Lines Articles
Latest Articles
Auto Risk Management
Inherent Diminished Value Claims for Personal Autos
2024-09-30 | Robin K Olson
Is perceptual or psychological diminished value—the perceptual loss of vehicle market value due to an accident—covered under the personal auto policy? This article examines the debate, relevant case law, and ISO's response.
Auto Risk Management
Senior Drivers and Insurance Concerns
2024-09-30 | Robin K Olson
As baby boomers age, the number of senior drivers increases. Rob Olson discusses the importance of finding ways now to reduce the frequency and severity of automobile accidents involving elderly drivers.
Auto Risk Management
Auto Manufacturer Parts versus Aftermarket Parts: A Question of Quality
2024-09-30 | Robin K Olson
Many insurers and industry groups believe non-original equipment manufacturer (OEM) or aftermarket parts are the same quality as OEM parts, but are they truly of like kind and quality? This article examines the debate.
Catastrophe Risk Management
FAQs for Surviving Tornado Losses
2024-09-30 | Robin K Olson
IRMI offers information about dealing with tornado insurance claims.
Personal Lines Insurance
Insuring the Home-Based Business—Part 1
2024-09-30 | Robin K Olson
In this first of three articles, Rob Olson looks at current statistics and homeowners policy restrictions.
Personal Lines Insurance
Insuring the Home-Based Business—Part 2
2024-09-30 | Robin K Olson
In this second of three articles, Rob Olson looks at court cases involving homeowners policy restrictions and what constitutes a "business."
Personal Lines Insurance
Insuring the Home-Based Business—Part 3
2024-09-30 | Robin K Olson
In Part 3 of this series, Rob Olson looks at the proper endorsements and policies needed to adequately protect home-based businesses.
Catastrophe Risk Management
Public-Private Partnerships and Wildfire Recovery
2024-08-30 | John Putnam
Collaborating on the insurance and noninsurance issues involved in the aftermath of a wildfire can help neighborhoods survive and endure. John Putnam explains.
Property Insurance
Inflation and Its Impact on the Property Insurance Market
2024-08-30 | Kurt Huie
The market continues to show signs of normalization, with premium increases expected to return to pre-COVID-19 levels. Kurt Huie provides an update.
Claims Practices
Cyber-Security Policy Requires Direct Financial Loss
2024-07-19 | Barry Zalma
Barry Zalma relates a case where coverage was not triggered for a loss involving a phishing scam.
Auto Risk Management
Auto Manufacturer Parts versus Aftermarket Parts: A Question of Quality
2024-09-30 | Robin K Olson
Catastrophe Risk Management
Public-Private Partnerships and Wildfire Recovery
2024-08-30 | John Putnam
