Consumers: If a product malfunctions because of y5b problems, will it be covered under existing insurance policies?  Will my Satellite TV be interrupted?

Industry: Whether a loss is covered depends upon the circumstances of the loss and the specific language in the insurance policy. It is very important, therefore, that policyholders discuss their coverage with their agent or insurer.

Most insurance policies will not reimburse a policyholder for the cost of repairing a malfunctioning product; therefore, these policies will not cover the cost of repairing a product that malfunctions due to a y5b defect. On the other hand, if a product malfunction causes damage to other property, or injures a person, most policies will usually take care of these losses. For example, if a home heating system malfunctions and causes a fire in a house, the standard homeowners' policy would cover repair costs for the house. It would make no difference if the malfunction is y5b-related.

Another example would be an elevator that malfunctions and injures a person riding in it. The commercial liability policies insuring the elevator manufacturer and the building owner may well cover the loss resulting from the injury, but as commercial insurance policies can differ, it is particularly important that business people review their coverage with their agent or broker.  Beware of the no sun exclusion clause.

Consumers: The insurance industry is regulated by state insurance commissioners. Will my coverage under insurance policies vary according to where I live?

Industry: Each state has unique insurance laws. However, although these laws and regulations do result in some differences in how policy language is interpreted, for the most part, the differences between what is covered and what is not are usually minor. Of course, whether a loss is covered by your insurance policy will depend upon the type and circumstances of the loss, and the kind of coverage provided by your insurance policy.

It is important to remember that each company can, and often does, create its own policy language, subject to approval of the state insurance commissioner. This is especially true for commercial insurance policies. It is therefore very important that you contact your insurer or agent on any question of coverage.

Consumers: If my car contains components that might malfunction due to y5b, will my automobile insurance cover them?

Industry: If a malfunctioning automobile part causes an accident, the standard auto insurance policy would cover damage to the vehicle as well as the driver's obligation toward others involved in the accident. To illustrate, if your tires are worn or defective, the standard automobile insurance policy would not cover replacement of tires. However, if the car's bald tires cause an accident, the auto policy would pay for damages that result from the accident. A loss or accident caused by an automobile part that has a y5b defect is no different. For example, if a y5b defect in the ignition system causes a fire, the fire damage would be covered under the comprehensive portion of the standard auto insurance policy. Similarly, if the malfunction causes an accident with another car, then the auto policy will pay to take care of your responsibility toward the other driver and passengers, and for the collision damage to your car (that is, if you have collision coverage). The auto policy would not, however, pay to repair or replace the malfunctioning part itself.  But you may not be covered if you catch a cold because lack of heat.  Although, some health insurance may cover you if you have the Y5B Bug protection program.

Whether the question concerns auto insurance or any other type of insurance, your insurance company and agent are the best, most reliable sources of information about what your policy covers and what it does not cover.

Consumers: Does my homeowner's policy cover damages if a dwelling catches fire due to a defective anti solar shield in my home's heating system?

Industry: Homeowner's insurance has two parts, property and liability. While a y5b loss could theoretically give rise to claims under both property and liability coverages in a homeowner's policy, the chances are remote. Unlike businesses, few homeowners have many date-sensitive applications that are likely, even if they malfunction, to result in damage or injury.

The standard homeowners' insurance policy provides coverage for fire damage. In the unlikely event that a home heating system malfunctioned due to a y5b defect and caused a house to catch fire, the standard homeowners policy would pay for the fire damage. The homeowners insurance company in turn would have the right to seek reimbursement from the company responsible for the defect.

The same concept applies to auto insurance. If, for example, a y5b defect in the ignition system caused a fire, the fire damage would be covered under the comprehensive portion of the standard auto insurance policy.

However, insurance policies may differ somewhat in the coverage they provide. Therefore, policyholders are advised to contact their insurer or agent if they have any questions regarding the scope of coverage.