While driving in difficult road conditions, Melody's car started to slide, left the road, and came to rest. The good news is that no one was injured and nothing was damaged. However, Melody did need to be rescued from her predicament. The nearby volunteer fire department responded, rescued Melody and then sent her a bill for $1,200. She asked her insurance company, State Auto, to pay the bill. They denied coverage because the expense was not related to a covered loss. Melody and the fire department did not agree and asked the courts for help.

Click here to see if the courts considered the rescue fees covered under Melody's personal auto policy.

Every ISO insurance coverage contains an insuring agreement. This agreement broadly describes and frames the type of losses that are covered. A personal auto policy consists of four coverages; hence, there are four separate insuring agreements. If a loss or claim is not covered under any one of those insuring agreements, there is no coverage.

Click here to review the Personal Auto Policy insuring agreements.

Personal Auto Policies are often purchased with little understanding of the coverage being provided. It is sometimes purchased merely to satisfy state requirements for registration of the vehicle or to obtain financing. Would you like to provide a very simple overview of the coverages that you could post on your website or send in a newsletter?

Click here for two e-marketing articles on Personal Auto Coverages.

Your clients are always making decisions that impact their loss exposures and their risk retention. They might not be aware of the impact such decisions or changes could have on their lives. Helping your clients understand basic risk management can help them protect themselves while keeping their insurance costs reasonable.

An email or letter providing risk management techniques is a good way to stay in contact with your client. Let them know that you are concerned about their safety and well-being. Ken - http://www.rn-agencyonline.com/letters/3-c-26.htm http://www.rn-agencyonline.com/letters/3-c-27.htm

Click here to review two personal lines risk management letters to get you started.