Thanks for the responses. Good to know that I was right in my first assumption. My conclusion is that the claims adjuster must be new. Heck, if these things were so straightforward, there wouldn't be a need for the dispute resolution process.

I've only been in the business for 6 years, but I've always assumed that one's liability coverage would follow them if they happened to be driving another vehicle. Here is the situation. A client of mine here in Arizona borrowed her neighbors truck. Unbeknown to her, the truck was uninsured. She was...