Problems viewing this email? Click Here April 28, 2016      Q&A of the Week Towing and Labor Costs An Indiana subscriber recently asked the following question: Our insured locked his keys in his car and had to have a locksmith open his door. Would the cost of the locksmith be covered under the towing and labor cost portion under the personal auto policy? ANSWER: Under the terms of the endorsement, the towing and labor costs are covered for attending to the disablement of the covered auto, and the labor costs are paid if the labor is performed at the place of disablement. If the car is disabled and it is fixed at that spot, the coverage is there. In this instance, the car was disabled and was fixed at that spot so the coverage exists. Read More    What's New This Week in FC&S Financial Responsibility and Compulsory Insurance Laws All states have laws that assure compensation for victims of automobile accidents. Read More    Litigation Watch Loss of Use Expenses The insured brought an action against the insurer to recover expenses for transporting crops and drying them at other facilities after a fire destroyed a grain handler dryer, fans, and parts covered by an agricultural endorsement to a farm and ranch policy. This case is Huether v. Nodak Mutual Insurance Company, 871 N.W.2d 444 (2015). Huether contracted with Nodak Mutual to provide insurance coverage for his house, buildings and structures on his farm. Huether added an equipment endorsement insuring his agricultural equipment to the policy. This endorsement provided coverage for direct physical loss or damage to the equipment, including a grain handler dryer, fans, and parts. Subsequently, a fire broke out and destroyed these items. Read More    Fraud of the Week Auto Repair Fraud – Georgia AMOUNT: $40,000 A Georgia body shop owner is facing several charts of fraud, theft, and forgery for falsifying damages to vehicles in order to increase payments from the insurance carrier. The shop would damage cars on purpose in order to increase claim payments. He was arrested after a ten-month investigation, including a vehicle of a police cadet who had taken in the vehicle for minor damage. The photos taken by the adjuster showed extensive damage that was not there when the cadet dropped off the vehicle. Read More        FC&S Ask the Experts Did you realize that the Q&A section of FC&S is made up of questions submitted by subscribers like you? Paid subscribers to FC&S Online or print FC&S Bulletins are invited to submit insurance coverage questions to the editors. We'll provide a personalized opinion within five business days. (We'll let you know if it will be longer than that. Sometimes we have to gather research or other supporting materials). Who knows? Your question may be featured (anonymously) in the online Q&A of the Week or as an FC&S update. Submit your coverage interpretation question right to the editors of FC&S for quick and reliable information. Ask our expert staff a question by clicking here.    Maximize Your FC&S  Online Subscription! FC&S editors regularly conduct web-based demos of the service. Feel free to contact Christine Barlow, cbarlow@alm.com, to set one up! They only take 30 minutes, a small investment of time that will help you learn all that FC&S Online has to offer.    Contact Us As always, your comments and questions are welcome. Contact us at: FC&S Department Phone: 800-543-0874 Fax: 859-692-2293 Email: eAlerts@nuco.com The Zalma Insurance Claims Library   Insurance Claims: A Comprehensive Guide The only source you'll need to successfully handle insurance claims from start to finish. More Info Construction Defects Coverage Guide Your single-source for identifying, insuring, investigating, prosecuting, and defending cases that result from construction defect claims. More Info Mold Claims Coverage Guide This guide will allow you to handle mold insurance claims and litigation resulting from mold or fungi related disputes with confidence. More Info For more information about these titles Click Here

FC&S Team Kelly Maheu, J.D. Publisher   Diane W. Richardson, CPCU Consulting Editor Christine G. Barlow, CPCU Managing Editor, FC&S   Diana B. Reitz, CPCU, AAI Consulting Editor David D. Thamann, J.D., CPCU, ARM Managing Editor, FC&S Bulletins   Emily Brunner Online/Print/Production Editor Susan L. Massmann, CPCU Managing Editor, Electronic Publications   Tosha Brinkman Marketing Manager Barry Zalma, Esq., CFE Contributing Editor   Donna Cozatchy Creative Director

This publication is designed to provide accurate and authoritative information in regard to the subject matter covered. It is sold with the understanding that the publisher is not engaged in rendering legal, accounting or other professional service. If legal advice is required, the services of a competent professional person should be sought. To ensure future delivery of email, please add admin@list.nationalunderwriter.com to your address book, contacts or safe sender list. You have received this email at %%merge members_.emailaddr_%%. Click here to unsubscribe from %%merge list.descshort%% Copyright ©2016 The National Underwriter Company, A Division of ALM Media LLC. All rights reserved.   4157 Olympic Blvd., Suite 225 Erlanger, KY 41018 1-800-543-0874