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... , as with any line of business, knowledge of the product – as well of your customer's exposures – is essential. A great starting point is using an Exposure Analysis Checklist, which will help enhance your knowledge of the exposures of your specific type of risk and provide the important questions you need to ask, such as: Are any officers, partners or employees furnished an automobile for personal use? Are owned vehicles used for towing special equipment (air compressors, concrete mixers, etc.)? Are operations periodic or seasonal, resulting in the lay-up of any vehicles for 30 consecutive days or more? Are any automobiles equipped with cellular telephones, two-way radios, citizens band radios, or similar devices? How many automobiles are parked in one location overnight? Does the ... lease/rent vehicles to others with operators? What is the maximum/average radius of operation? Is there a hired/non-owned exposure? The symbol on the policy indicates what vehicles the coverage includes. The applicable symbols (expressed in numbers), range from "1 " to "9 ," with symbol "1 " being the broadest. This provides coverage for any auto. Thus, if your customer were to lease a vehicle for a particular job, symbol "1 " would provide coverage. On the other hand, symbol "7 " is only for vehicles listed on the policy. There would not be coverage for leased or non-owned vehicles with this symbol. Consequently, getting answers to these questions from your customer will help when requesting that coverage be structured appropriately. Symbol ...

...owners X-dates   B. 200 Automobile X-dates   II. Commercial Li...ks, telephone approach, replies from parking lot paper-hanging). If time left,...

...may contaminate their homes and automobiles with lead dust. Other members of t...

...went to a Beverly Hills classic automobile dealer and took two Polaroid photog...when it was stolen from a restaurant parking lot. Classic Car had paid the ins...

...’s why three eyewitnesses to an automobile accident can have very different re...

... sign in for treatment that doesn't occur are usually allowing that practice to occur frequently with other patients. A law office that engages in capping is likely to have a large percentage of fraudulent accident cases in its business. Copyright, The John Cooke Fraud Report. Tom Sarinana is currently a supervisor and training officer with the California Department of Insurance Fraud Division. He is known as an expert in staged automobile accidents and has often testified in that capacity. He has also provided training at fraud seminars and at the FBI Academy in Quantico, VA. Login or Register (for FREE) to gain access to thousands of other great articles. Need more reasons to join? Need insurance for you, your business or your family? Get quality appointments - Save yourself a whole lot of time & money ... the cappers and assistants designate who the drivers and occupants will be for each car. A popular type of paper accident is the alleged hit and run. The scheme is accomplished by obtaining or possessing an insured vehicle with existing damage or with damage inflicted on it. The vehicle is then filled with the players (driver and passengers), who are briefed on the details of the accident. They then park the insured vehicle on a public street and summon the police, or drive to a police station to report the hit and run. Having authenticated their phony accident with a police report, the suspects then pursue their fraudulent injury claims against the driver's insurance company. After the players conspire to report the nonexistent or staged collision to the insurance companies, the stager/capper then sells the accident case ...

...is known as an expert in staged automobile accidents and has often testified i...