Personal Exposures Questionnaire, Newly Acquired Auto, Compulsory and Financial Liability, UM, No-Fault, and Firearms Coverage in PRMI
This release to Personal Risk Management and
Insurance updates and expands the preinterview
questionnaire, loss exposure survey, and explanation/recommendations
sections to reflect newer loss exposures, such as house sharing, car
sharing, ridesharing, smart and green home technology, drones, and other
emerging trends. This section is unique because it not only asks the pertinent
questions but also offers agents and brokers numerous and detailed risk
management recommendations for their clients.
This release also updates the state-by-state "newly acquired
auto" definition and the overview of compulsory
liability, financial responsibility, uninsured motorists (UM), and no-fault coverages,
including the interpretation of new studies. In addition, it introduces a new
discussion on personal firearms
liability coverage with accompanying loss control measures. Lastly, it
updates eight UM/UIM state
pages and four no-fault
state pages.