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Video On Demand

Personal Auto: Eligibility, Insureds, Classifications, and Ride Sharing - ON DEMAND - NO CE

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Categories:
Big “I” Virtual University |  Personal Lines |  Personal Lines - Basic
Faculty:
Christopher J. Boggs, CPCU, ARM, ALCM, LPCS, AAI, APA, CWCA, CRIS, AINS
Course Levels:
All Levels
Duration:
1 Hour
License:
Access for 90 day(s) after purchase.
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Description

PAP eligibility has two moving parts, who and what. Who is eligible for the PAP and what vehicles qualify for a PAP. 

In this session we detail: 

  • The surprising list of who is eligible for the PAP; 
  • What vehicles naturally qualify for a PAP and which can be forced to qualify; and
  • Which endorsements can be used to expand eligibility. 

Each of the four PAP coverage parts have separate lists of who qualifies as an insured for that particular coverage. In this session we detail:

  • The four coverage parts of the PAP;
  • The five key definitions surrounding “insured” status;
  • The three levels of “insured” status; and
  • Who is insured for what in each coverage part and at each level.

ISO uses six basic “use” classifications for vehicles insured on a PAP. Assignment of the proper class code is a function of use, mileage and location. In this session we detail these classifications and the rules governing the selection of the correct class code.  Ride sharing is a relatively new exposure in the PAP world. ISO developed three endorsements to address the ride sharing exposure. In this session, we briefly review the exposures and the endorsements.

 

Basic Course Information

Learning Objectives
  • Discuss who is Insured in a Personal Auto Policy
  • Discuss how do You Assign the Proper Use Classification to a Personal Auto & A Word About Ride-Sharing

Course Materials

Personal Auto: Eligibility, Insureds, Classifications, and Ride Sharing Outline (0.01 MB) Available after Purchase
Personal Auto: Eligibility, Insureds, Classifications, and Ride Sharing Handout 1 of 2 (0.94 MB) Available after Purchase
Personal Auto: Eligibility, Insureds, Classifications, and Ride Sharing Handout 2 of 2 (0.08 MB) Available after Purchase

Faculty

Christopher J. Boggs, CPCU, ARM, ALCM, LPCS, AAI, APA, CWCA, CRIS, AINS's Profile

Christopher J. Boggs, CPCU, ARM, ALCM, LPCS, AAI, APA, CWCA, CRIS, AINS Related Seminars and Products

Christopher J. Boggs, CPCU, ARM, ALCM, LPCS, AAI, APA, CWCA, CRIS, AINS, joined the insurance industry in 1990. He is the Executive Director of the Independent Insurance Agents and Brokers of America (Big "I") Virtual University. His current duties involve researching, writing, and teaching property and casualty insurance coverages and concepts to Big "I" members and others in the insurance industry.

During his career, Boggs has authored more than 300 insurance and risk management-related articles on a wide range of topics as diverse as Credit Default Swaps, the MCS-90, and enterprise risk management. In addition to this, Boggs has written 13 insurance and risk management books:

  • "The Insurance Professional's Practical Guide to Workers' Compensation: From History through Audit," now in its second edition;
  • "Business Income Insurance Demystified: The Simplified Guide to Time Element Coverages," now in its third edition;
  • "Property and Casualty Insurance Concepts Simplified: The Ultimate 'How to' Insurance Guide for Agents, Brokers, Underwriters and Adjusters;"
  • "Wow! I Never Knew That! 12 of the Most Misunderstood and Misused P&C Coverages, Concepts and Exclusions;"
  • "Insurance, Risk & Risk Management! The Insurance Professional's Guide to Risk Management and Insurance;"
  • "Workers' Compensation: How You Can Effectively Answer Your Clients 12 Most Commonly Asked Questions;"
  • "Glossary of Insurance Terms;"
  • "Choosing the Best Risk Financing Option;"
  • "Writing Property and Liability Coverage for Condos;"
  • "The Truth about Enterprise Risk Management;"
  • "The Experience Mod Worksheet;"
  • "What has ISO Done to us Now?" and
  • "Cancellations, Non-Renewals & Conditional Renewals: THE Insurance Professional's Guide to Statutory Insurance Carrier Notification Requirements for All 50 States!"

Boggs is a regular speaker at industry events, speaking for groups such as the National Association of Mutual Insurance Companies (NAMIC), the National Society of Insurance Premium Auditors (NSIPA), the American Association of Managing General Agents (AAMGA), the Institute of Work Comp Professionals (IWCP), and the CPCU Society.

A graduate of Liberty University with a bachelor's degree in Journalism, Boggs' background includes work as a risk management consultant, loss control representative, producer, claims manager, and quality assurance specialist

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