Blog | Wise Men Insurance Services

Whom Else Should the Policy Protect?

Persons Using a Covered Auto The PAP’s liability insuring agreement provides broad coverage to any persons (that is, individuals) using...

Does the PAP Cover Passengers or Pedestrians?

Auto accidents are not usually caused by passengers or pedestrians. However, there are exceptions. It is possible for a passenger to...

What Other Family Members Should Be Covered?

Notice that insured status does not depend on being listed in the application or in the policy’s declarations. An insured, as used in the...

Who and What are Eligible for a PAP (Personal Auto Policy)?

Definitions In order to understand the ISO Personal Vehicle Manual rules that deal with the issue of who may be insured, it’s necessary...

Whose Name Should Be on the Policy?

This question is important because the person or persons the policy identifies as named insured(s) have more rights than other parties...

Does Insurance Protect Cars or Drivers?

Auto insurance doesn’t protect cars. Auto insurance protects people. It protects people against financial losses that can result when...

Is Car Insurance tied to the Car or the Driver

Technically, car insurance is tied to the car. That means if you let someone else drive your car, your insurance may kick in if there is...

Does your driving record affect your insurance?

Every claim you make—and even if you ask an insurance agent about making a claim—gets entered into a database that your current and...

How is my premium calculated?

Does it matter what kind of car you drive? The total value of your car, what type of vehicle it is, and what type of safety rating it has...

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