This CE course reviews homeowners and personal automobile policy provisions and provides insurance agents with an understanding of how these provisions are interpreted by the courts. Examine coverage issues for phantom vehicles, assaults, intentional acts, and drive-by shootings. Review actual court cases and understand how coverage is determined. Identify the policy definitions that may be problematic and cause a coverage dispute.

Class highlights include:

• Triggers for Uninsured or Underinsured Motorist Coverage


• Coverage Issues for Phantom Vehicles and Hit and Runs


• What Does "Arising Out Of the Ownership, Maintenance or Use" of a Vehicle Really Mean?


• Swerve and Run Claims and the Potential for Moral Hazard


• Is a Drive-By Shooting Considered an "Accident"?


• Application of the Intentional Acts Exclusion


• Examine the Definition of "Occupying" a Vehicle


• Definition of Family Members, Resident and Household


• Approved for 4 Hours of Elective Continuing Education