State Office of Risk Management Auto Symposium 2015 Commercial Statewide Auto Program Basics

Save this PDF as:
 WORD  PNG  TXT  JPG

Size: px
Start display at page:

Download "State Office of Risk Management Auto Symposium 2015 Commercial Statewide Auto Program Basics"

Transcription

1 State Office of Risk Management Auto Symposium 2015 Commercial Statewide Auto Program Basics

2 1. Business Auto Conditions 2. Business Auto Coverages 3. Business Auto Coverage Expansions 4. Endorsements 2

3 1. Who is an insured 2. Coverage Territory 3. Other Insurance 4. Premium Audit 5. Lose Conditions and Duties in the Event of a Loss 3

4 A. Who Is An Insured 1. You for any covered auto LIABILITY COVERAGE - SECTION II 2. Others with named insured's permission for covered "auto" that the named insured owns, hires, or borrows EXCEPT: a. Owner of covered "auto" you hire or borrow except a "trailer attached to covered "auto" you own b. Named insured's employee if covered "auto" owned by him/her or his/her household c. In auto business, except the named insured's d. Anyone, other than the named insured's employee, partners (if "you" are a partnership), members (if "you" are a LLC), lessee, or borrower, while loading and unloading e. Partners (if partnership) or a member (if LLC) for individually owned "autos" or his/her household Several ways to address this the key is catching the partners before they title their new car 3. Others with vicarious liability for the conduct of an "insured a. Extends insured status to ANYONE who may be held liable for the conduct of an "insured" such as: 1) A general contractor for whom the insured is working 2) A charitable organization for whom the insured is doing work 4

5 WHO IS AN INSURED? NAMED INSURED FOR A COVERED AUTO PERMISSIVE USER OF A COVERED AUTO VICARIOUS RESPONSIBILITY EXCEPT THE OWNER OR ANYONE ELSE FROM WHOM YOU HIRE OR BORROW A COVERED "AUTO" ** EMPLOYEE IF THE COVERED AUTO IS OWNED BY THE EMPLOYEE OR A MEMBER OF THEIR HOUSEHOLD ** ANYONE USING A COVERED AUTO WHILE WORKING IN THE AUTO BUSINESS UNLESS THAT IS YOUR BUSINESS LOADING AND UNLOADING (Under certain circumstances) PARTNER/MEMBER IF THE COVERED AUTO IS OWNED BY THE PARTNER/MEMBER OR A MEMBER OF THEIR HOUSEHOLD ** ** This coverage may be purchased by endorsement. 5

6 B. Policy period, coverage territory 1. Policy period - shown on declarations 2. Coverage territory a. USA, its territories and possessions, Puerto Rico and Canada b. Anywhere in the world if Non-owned PPA for 30 days or less (Rental must be without a driver) AND c. Suit is brought in territory shown in (a.) above 3. Mexico endorsements serve a limited purpose Two or more coverage forms or policies issued by us 6

7 C. Other insurance 1. Primary I excess a. Covered owned "auto" primary b. Covered non-owned "auto" excess c. Covered trailer 1) Excess connected to non-owned 2) Primary connected to owned covered "auto 2. Primary for hired auto physical damage 3. Primary for "insured contract 4. Pro rata when other insurance applies on same basis D. Premium audit 1. Policy is Composite rated 2. Audit Process 7

8 E. Loss Conditions 1. Appraisal for physical damage loss 2. Duties in the event of accident, claim, suit, or loss a. Prompt notice b. Assume no obligation, make no payment, and send copies of demands, summons or legal papers. Cooperate with the insurer. Grant medical authorization and submit to medical examination c. Notify police in event of theft, protect damaged property, permit the insurer to inspect before repair or disposition, give statement under oath 8

9 2. Business Auto Coverages A. Liability Coverage 1. Owned autos exposures 2. Non-owned autos exposures Example: employees driving their own autos 3. Hired or Borrowed auto exposures Examples: rental cars, limos, etc. B. Physical Damage Coverage Options to protect against exposures such as: 1. Collision 2. Weather related, floods & quakes 3. Theft, vandalism 4. Miscellaneous other types of exposures that could damage an auto 9

10 A. Insuring Agreement 1. Promise to pay legal obligations of the "insured" for "Bodily Injury and "Property Damage" Definition of "Bodily Injury" and "Property Damage 2. Promise to pay legal obligations of the "insured" for "Covered Pollution Cost or Expense a. Pollution liability is excluded; however there are a few exceptions for which "Covered Pollution Cost or Expense applies. b. Exclusions and exceptions 3. Right and duty to defend against a "suit a. No duty to defend if coverage does not apply b. Insurer may settle any claim or suit c. Duty to defend ends when limits have been exhausted by payments or judgments or settlements 10

11 B. Coverage 1. "Loss" to covered "auto" or its equipment a. Comprehensive b. Specified causes of loss c. Collision 2. Glass Breakage, Hitting a Bird or Animal, Falling Objects or Missiles a. Paid under comprehensive if carried b. Glass breakage can be covered under collision - insured's option Typically filed as Comprehensive if the deductible is lower! 11

12 C. Exclusions-partial 1. Direct I indirect I concurrent a. Nuclear hazard b. War 2. Racing 3. Wear and tear, freezing, mechanical, or electrical breakdown or road damage to tires 4. Electronic equipment and media a. Tapes, records, discs or similar audio, visual or data electronic devices b. Radar detectors c. Electronic equipment that reproduces, receives or transmits audio, visual or data signal d. Any accessories used with the electronic equipment described in c. above e. The exclusion of c. and d. do not apply to equipment designed to be operated solely by use of the power form the auto s electrical system that is: 1) Permanently installed in or upon the covered auto; 2) Removable from a housing that is permanently installed in or upon the covered auto; 3) Integral part of the same housing unit; 4) Necessary for normal operation of the covered auto 12

13 5. Diminution in Value D. Limits of Insurance Pays the lessor of 1. Pays the lesser of a. ACV at time of loss or b. Cost to repair or replace with like kind and quality No obligation to use manufactures original parts 2. $1,000 limit for audio, visual, data electronic equipment that is a. permanently installed in housing, opening for location not normally used by the manufacturer for such equipment b. removable from permanently installed housing not normally used by manufacture, or c. Use CA Audio, Visual and Data Electronic Equipment Coverage Added Limits if needed to increase the sublimit 3. Adjustment for depreciation and no payment for betterment E. Deductible 1. Per covered auto 2. Comprehensive deductible does not apply to loss caused by fire or lightning 13

14 F. Newly Acquired 1. If Symbols 1, 2, 3, 4, 5, 6 or 19 are used In Item Two of the declarations to trigger coverage Newly acquired autos of the same described type will AUTOMATICALLY have that coverage FOR THE REMAINDER OF THE POLICY PERIOD 2. BUT, if Symbol 7 is used in Item Two of the declarations to trigger Coverage a. An additional unit will be covered ONLY if that insurance company covers all owned autos for that specific coverage OR A replacement auto will be covered only with the same coverage as the unit it replaces b. AND, must notify company within 30 days of acquisition for additional or replacement If symbol 7 is used, you MUST tell the company within 30 days of purchase that you want them to insure the newly acquired auto for that coverage otherwise there is NO coverage. 3. Symbol 10 Can be used for items that would fall into an other category. (scheduled trailers, autos with a different type of coverage, etc) 14

15 G. Certain Trailers, Mobile Equipment, And Temporary Substitute Autos Liability Only 1. Trailers - 2,000 lbs. load capacity 2. "Mobile equipment" - carried or towed by a covered "auto" a) Dovetails with the GL exclusion Example: Front-end Loader rolls off the back of a trailer towed by an owned power unit - severely crunches the vehicle behind it. 3. Temporary substitute Must be substituted for one of the following reasons: a) Breakdown b) Repair or Servicing c) Loss d) Destruction May be any type of vehicle, even if it is substituting for a PP type. 15

16 Business Automobile Coverage Extensions 16

17 A. Coverage Extensions 1. Transportation Expenses - a. $20 per day I $600 maximum b. Arising from total theft of covered private-passenger-type "auto 2. Loss of Use Expenses - Hired Auto Physical Damage a. Insured must be legally responsible under a written rental contract b. $20 per day I $600 maximum for loss of use of a rental car Reminder: Must have symbol 8 Hired Auto indicated under Physical Damage section of Item Two 17

18 B. Additional Coverage Extensions 1. Supplementary payments - in addition to limit of insurance a. All expenses the insurer incurs b. Up to $2000 for cost of bail bonds due to covered accident c. Cost of bonds to release attachments d. Reasonable expenses incurred by an "insured" at insurer's request, including up to $250 per day for loss of earnings e. Court costs taxed against "insured" in any "suit" the insurer defends Does not include attorneys' fees or attorneys expenses f. Post-judgment interest Unlike GL, which covers Pre and Post judgment interest 2. Out-of-state coverage extensions a. Increase liability limits Typically comes into play when there are different PIP laws, or financial responsibility minimums b. Provide minimum amounts and types of other coverage required by law 18

19 ENDORSEMENTS AM84 17 Abuse or Molestation Exclusion Endorsement AM08 14 Attorney General Endorsement CA 2002 Audio, Visual and Data Electronic Equipment Coverage, Fire Policy and Emergency Vehicles CNA09 04 Audit Basis Beginning/Ending Inventory CA 2048 Designated Insured for Covered Autos Liability Coverage CA Employee As Lessor CA Employee As Insureds CA Employee Hired Autos CA 0445 Golf Carts and Low Speed Vehicle CA Hired Auto Specified As Covered Auto You Own CA Lessor - Additional Insured and Loss Payee CA Limited Mexico Coverage CA 2015 Mobile Equipment AC Notice of Accident Endorsement AM09 14 Texas Tort Claims Act Special limits CA Waiver of Rights of Recovery Against Others to Us 19

20 Mexico Auto Coverage Provided in Policy (Form CA 01 21) The coverage territory is extended to include Mexico but only for: a)"accidents" or "losses" occurring within 25 miles of the United States border; and b) Trips into Mexico of 10 days or less Physical Damage Coverage is amended to include repairs to covered autos made in Mexico that are necessary in order for the vehicle to be driving Excess Coverage over other applicable policies

21 Why Separate Coverage for Mexico is Necessary US and Canadian auto insurance is not valid in Mexico. US and Canadian auto insurance is not recognized by Mexican authorities. If you do not have Mexican liability insurance, you may be prevented from departing the country even if you require lifesaving medical care, and you are almost certain to spend some time in jail. Your US or Canadian insurance does not cover theft or physical damage to your vehicle while in Mexico.

22 Statewide Coverage Program Summary Available by Purchase

23 How to Purchase Mexico Auto Coverage Go to the following hyperlink: spx Complete all fields on the form and click the Submit button (if you have any questions about these fields please call The Jenkins Agency at ). A submission message will pop up and within 30 minutes, and the employee traveling to Mexico will receive a phone call from the Jenkins Agency. The employee will need to provide the following information: Date of birth Driver s license number License plate of the vehicle they are driving Whether it is a state-owned or personal owned vehicle

24 Need to Know If You Have an Accident in Mexico If you have a claim in Mexico, be sure to REPORT it IN MEXICO. Call the toll free number provided in the policy documents. One of the biggest mistakes people make is thinking they can report a claim once they get home. The problem with this is how to verify that the claim actually occurred in Mexico? When you call the toll free number, an adjuster will be dispatched to the scene of the accident; they will complete a report and let you know what's next. Be sure to get a copy of the adjuster's report. It will help with the follow up process. So PLEASE report the claim in Mexico. If you choose to have your vehicle repaired in Mexico, the insurance company can provide the name of a shop that the insurance company is familiar with.

25 CONTACT INFORMATION Dale Sharpe Jenkins, M.S. CIC The Jenkins Agency, Inc Corporate Dr., West, Suite 306 Arlington, TX (817) office (817) fax

BUSINESS AUTO EXPOSURES AND COVERAGE

BUSINESS AUTO EXPOSURES AND COVERAGE BUSINESS AUTO EXPOSURES AND COVERAGE SANDI KRUISE INSURANCE TRAINING 1-800-517-7500 www.kruise.com Copyright Sandi Kruise Insurance Training, 2003-2015, all rights reserved TABLE OF CONTENTS BUSINESS AUTO...

More information

COMMERCIAL AUTOMOBILE EXPANSION ENDORSEMENT

COMMERCIAL AUTOMOBILE EXPANSION ENDORSEMENT THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. COMMERCIAL AUTOMOBILE EXPANSION ENDORSEMENT This endorsement modifies insurance provided under the BUSINESS AUTO COVERAGE FORM The following

More information

COMMERCIAL AUTOMOBILE PLUS EXTENSION ENDORSEMENT

COMMERCIAL AUTOMOBILE PLUS EXTENSION ENDORSEMENT ATTACHED TO AND FORMING PART OF POLICY NUMBER: COMMERCIAL AUTO THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. COMMERCIAL AUTOMOBILE PLUS EXTENSION ENDORSEMENT This endorsement modifies

More information

Self-Insured Coverage Document Auto Physical Damage

Self-Insured Coverage Document Auto Physical Damage Self-Insured Coverage Document Auto Physical Damage 2014 WCIA Auto Physical Damage Coverage Document Page 2 Washington Cities Insurance Authority Self-Insured Coverage Document Auto Physical Damage APDCov2014

More information

GARAGEKEEPERS COVERAGE

GARAGEKEEPERS COVERAGE THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY GARAGEKEEPERS COVERAGE This endorsement modifies insurance provided under the BUSINESSOWNERS COVERAGE FORM SCHEDULE Location No. Coverages

More information

Business Auto Policy Coverage Guide, 3rd Edition

Business Auto Policy Coverage Guide, 3rd Edition Brochure More information from http://www.researchandmarkets.com/reports/1413628/ Business Auto Policy Coverage Guide, 3rd Edition Description: With the Business Auto Policy Coverage Guide, insurance professionals

More information

Personal Auto Coverage Guide, 2nd Edition

Personal Auto Coverage Guide, 2nd Edition Brochure More information from http://www.researchandmarkets.com/reports/1515701/ Personal Auto Coverage Guide, 2nd Edition Description: "Personal Auto Coverage Guide, 2nd Edition" provides clear, straightforward

More information

Insuring Business Vehicles

Insuring Business Vehicles Insuring Business Vehicles WHAT IS BUSINESS VEHICLE INSURANCE? As a businessowner, you need some of the same insurance coverages for the cars, trucks, vans or other vehicles you use in your business as

More information

ONYX BUSINESS AUTO POLICY COVERAGE

ONYX BUSINESS AUTO POLICY COVERAGE ONYX BUSINESS AUTO POLICY COVERAGE Various provisions in this policy restrict overage Read the entire policy carefully to determine rights, duties and what is and is not covered. Throughout this policy

More information

Business Auto Insurance (Not in Text)

Business Auto Insurance (Not in Text) Business Auto Insurance (Not in Text) Overview I. Covered Autos II. III. IV. Liability Physical Damage Conditions V. Additional Coverages and Endorsements I. Covered Autos business auto form provides flexibility

More information

ENDORSEMENT THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. SPECIMEN. This endorsement, effective at 12:01 A.M.

ENDORSEMENT THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. SPECIMEN. This endorsement, effective at 12:01 A.M. ENDORSEMENT THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. This endorsement, effective at 12:01 A.M. Policy No. By: Issued to: forms a part of BUSINESS AUTO BROAD FORM ENDORSEMENT FORM

More information

Chapter 10 Auto Insurance in the United States

Chapter 10 Auto Insurance in the United States Chapter 10 Auto Insurance in the United States Overview If you hit a pedestrian, another car, a large animal or bird, or another object while driving your car, damage is likely to result. You could injure

More information

Warning! Warning! A plain vanilla Business Auto Policy (BAP) does not serve as a substitute for a

Warning! Warning! A plain vanilla Business Auto Policy (BAP) does not serve as a substitute for a The Business Auto Policy, AKA The Commercial Auto Program Warning! Warning! A plain vanilla Business Auto Policy (BAP) does not serve as a substitute for a Personal Auto Policy (PAP). Unless you're in

More information

"Insurance Services Office, Inc. Copyright"

Insurance Services Office, Inc. Copyright POLICY NUMBER: COMMERCIAL AUTO CA 23 23 11 02 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. "Insurance Services Office, Inc. Copyright" This form has been promulgated by the Virginia State

More information

PERSONAL AUTO POLICY AGREEMENT In return for payment of the premium and subject to all the terms of this policy, we agree with you as follows:

PERSONAL AUTO POLICY AGREEMENT In return for payment of the premium and subject to all the terms of this policy, we agree with you as follows: PERSONAL AUTO PP 00 01 06 98 PERSONAL AUTO POLICY AGREEMENT In return for payment of the premium and subject to all the terms of this policy, we agree with you as follows: A. Throughout this policy, "you"

More information

SPECIMEN. Personal Auto Policy AGREEMENT

SPECIMEN. Personal Auto Policy AGREEMENT Personal Auto PP 00 01 01 05 Personal Auto Policy AGREEMENT In return for payment of the premium and subject to all the terms of this policy, we agree with you as follows: DEFINITIONS A. Throughout this

More information

PERSONAL AUTO POLICY

PERSONAL AUTO POLICY PERSONAL AUTO PP 00 01 01 05 PERSONAL AUTO POLICY AGREEMENT In return for payment of the premium and subject to all the terms of this policy, we agree with you as follows: DEFINITIONS A. Throughout this

More information

MOTOR CARRIER COVERAGE FORM

MOTOR CARRIER COVERAGE FORM MOTOR CARRIER COVERAGE FORM COMMERCIAL AUTO CA 00 20 03 10 Various provisions in this policy restrict coverage. Read the entire policy carefully to determine rights, duties and what is and is not covered.

More information

PERSONAL AUTO POLICY

PERSONAL AUTO POLICY PERSONAL AUTO PP 00 01 01 05 PERSONAL AUTO POLICY AGREEMENT In return for payment of the premium and subject to all the terms of this policy, we agree with you as follows: A. Throughout this policy, "you"

More information

1998 ISO personal auto policy revisions

1998 ISO personal auto policy revisions 1998 ISO personal auto policy revisions 1998 ISO personal auto policy revisions Resource kit 90129 By Ted Kinney, CIC, CPCU, ARM, AU, AAM, AAI Nothing is certain in life but change. This is especially

More information

Advanced Commercial Auto Insurance Advanced Commercial Auto Insurance

Advanced Commercial Auto Insurance Advanced Commercial Auto Insurance Advanced Commercial Auto Insurance 1 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

More information

CHAPTER 7: COMMERCIAL AUTO POLICY

CHAPTER 7: COMMERCIAL AUTO POLICY CHAPTER 7: COMMERCIAL AUTO POLICY Let s Begin Introduction Nearly every business operates at least one car to conduct deliveries, transport employees, or perform essential tasks away from the office. If

More information

PERSONAL AUTO POLICY

PERSONAL AUTO POLICY PERSONAL AUTO PP 00 01 06 98 PERSONAL AUTO POLICY AGREEMENT In return for payment of the premium and subject to all the terms of this policy, we agree with you as follows: DEFINITIONS A. Throughout this

More information

r Commercial Auto & The Dreaded Rental Car Issue!

r Commercial Auto & The Dreaded Rental Car Issue! Education ProgramS r Commercial Auto & The Dreaded Rental Car Issue! sponsored by COMMERCIAL AUTO & THE DREADED RENTAL CAR ISSUE Robin Federici, CPCU, AAI, ARM, AINS,AIS, CPIW PO BOX 781 NORTH KINGSTOWN,

More information

LOUISIANA HIRED AUTO AND NON-OWNED AUTO LIABILITY/UNINSURED MOTORISTS INSURANCE (BODILY INJURY)

LOUISIANA HIRED AUTO AND NON-OWNED AUTO LIABILITY/UNINSURED MOTORISTS INSURANCE (BODILY INJURY) POLICY NUMBER: COMMERCIAL GENERAL LIABILITY CG 04 19 01 96 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. LOUISIANA HIRED AUTO AND NON-OWNED AUTO LIABILITY/UNINSURED MOTORISTS INSURANCE

More information

BUSINESS AUTO COVERAGE FORM

BUSINESS AUTO COVERAGE FORM BUSINESS AUTO COVERAGE FORM COMMERCIAL AUTO CA 00 01 03 06 Various provisions in this policy restrict coverage. Read the entire policy carefully to determine rights, duties and what is and is not covered.

More information

Missouri Family Automobile Insurance Policy

Missouri Family Automobile Insurance Policy GEICO ONE GEICO PLAZA Washington, D.C. 20076-0001 Telephone: 1-800-841-3000 Missouri Family Automobile Insurance Policy Government Employees Insurance Company GEICO General Insurance Company GEICO Indemnity

More information

Business Auto Insurance

Business Auto Insurance Business Auto Insurance Overview of Chapter 5, CPCU 4 I. Covered Autos II. III. IV. Liability Physical Damage Conditions V. Additional Coverages and Endorsements I. Covered Autos - common definition -

More information

STANDARD PERSONAL AUTO POLICY TABLE OF CONTENTS

STANDARD PERSONAL AUTO POLICY TABLE OF CONTENTS STANDARD PERSONAL AUTO POLICY TABLE OF CONTENTS PART A LIABILITY COVERAGE PART B MEDICAL PAYMENTS COVERAGE PART C UNINSURED MOTORISTS COVERAGE - NEW JERSEY PART D COVERAGE FOR DAMAGE TO YOUR AUTO PART

More information

BUSINESS AUTO COVERAGE FORM

BUSINESS AUTO COVERAGE FORM BUSINESS AUTO COVERAGE FORM COMMERCIAL AUTO CA 00 01 12 93 Various provisions in this policy restrict coverage. Read the entire policy carefully to determine rights, duties and what is and is not covered.

More information

VIRGINIA PERSONAL AUTO POLICY

VIRGINIA PERSONAL AUTO POLICY VIRGINIA PERSONAL AUTO POLICY READ YOUR POLICY, DECLARATIONS AND ENDORSEMENTS CAREFULLY The automobile insurance contract between the named insured and the company shown on the Declarations page consists

More information

GARAGEKEEPERS COVERAGE

GARAGEKEEPERS COVERAGE POLICY NUMBER: COMMERCIAL AUTO CA 99 37 10 01 THIS ENDSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. GARAGEKEEPERS COVERAGE This endorsement modifies insurance provided under the following: BUSINESS

More information

The Texas A&M University System Auto Liability Plan

The Texas A&M University System Auto Liability Plan The Texas A&M University System Auto Liability Plan Page 1 Tuesday, September 28, 2010 Table of Contents I. Automobile Liability...3 II. III. IV. Rental Vehicles.4 Personal Autos..4 Plan Exclusions.4 V.

More information

Family Car Policy. because Medicare doesn t cover everything

Family Car Policy. because Medicare doesn t cover everything Family Car Policy because Medicare doesn t cover everything A merican Family M utual I nsurance C ompany and its Subsidiaries 6000 A m e ric a n Pa rkwa y M a d iso n, WI 53783-0001 1-800-M YA M FA M (1-800-692-6326)

More information

AUTO INSURANCE POLICY

AUTO INSURANCE POLICY AUTO INSURANCE POLICY WHERE TO FIND IT INSURANCE AGREEMENT AND DECLARATIONS GENERAL DEFINITIONS AUTOMOBILE LIABILITY Additional Definitions For This Coverage Coverage Provided Additional Benefits We Will

More information

Vehicle Liability Insurance

Vehicle Liability Insurance Vehicle Liability Insurance The University purchases liability insurance for all owned self-propelled vehicles which are licensed for highway use, certain owned self-propelled vehicles which are not license

More information

BUSINESS INTERRUPTION COVERAGE

BUSINESS INTERRUPTION COVERAGE POLICY NUMBER: COMMERCIAL AUTO CA 99 05 02 14 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. BUSINESS INTERRUPTION COVERAGE This endorsement modifies insurance provided under the following:

More information

Product Marketing Guide. We re On The Road With You

Product Marketing Guide. We re On The Road With You Product Marketing Guide We re On The Road With You Underwriting Appetite Trucking with a radius of up to 1,000 miles between terminals Target classes include: + Waste Haulers + Concrete Mix-In Transit

More information

GEICO ONE GEICO PLAZA. Washington, D. C. 20076-0001. Telephone: 1-800-841-3000. Florida. Family. Automobile. Insurance. Policy

GEICO ONE GEICO PLAZA. Washington, D. C. 20076-0001. Telephone: 1-800-841-3000. Florida. Family. Automobile. Insurance. Policy GEICO ONE GEICO PLAZA Washington, D. C. 20076-0001 Telephone: 1-800-841-3000 Florida Family Automobile Insurance Policy Å Å Å Å Government Employees Insurance Company GEICO Casualty Company GEICO General

More information

Miscellaneous Vehicle Policy

Miscellaneous Vehicle Policy Miscellaneous Vehicle Policy because Medicare doesn t cover everything A merican Family M utual I nsurance C ompany and its Subsidiaries 6000 A m e ric a n Pa rkwa y M a d iso n, WI 53783-0001 1-800-M

More information

Product Marketing Guide. We re On The Road With You. www.deep-south.com. We re On The Road With You

Product Marketing Guide. We re On The Road With You. www.deep-south.com. We re On The Road With You Product Marketing Guide www.deep-south.com Deep South Offers Coverage to Target Classes Deep South has earned a reputation as a specialist commercial automobile insurance provider. We take that expertise

More information

GARAGE INSURANCE: The Basics How to make garage risks a part of your agency portfolio.

GARAGE INSURANCE: The Basics How to make garage risks a part of your agency portfolio. GARAGE INSURANCE: The Basics How to make garage risks a part of your agency portfolio. By Jim Krotki, CPCU An often overlooked source of commercial insurance prospects is garage business. Some agents are

More information

NEW YORK CHANGES IN BUSINESS AUTO, BUSINESS AUTO PHYSICAL DAMAGE, MOTOR CARRIER AND TRUCKERS COVERAGE FORMS

NEW YORK CHANGES IN BUSINESS AUTO, BUSINESS AUTO PHYSICAL DAMAGE, MOTOR CARRIER AND TRUCKERS COVERAGE FORMS COMMERCIAL AUTO CA 01 12 04 09 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. NEW YORK CHANGES IN BUSINESS AUTO, BUSINESS AUTO PHYSICAL DAMAGE, MOTOR CARRIER AND TRUCKERS COVERAGE FORMS

More information

Frequently Asked Questions

Frequently Asked Questions A consumer information brochure published by the 21 South Fruit Street, Suite 14 Concord, NH 03301 phone: (800) 852-3416 fax: (603) 271-1406 Autos TDD Access: Relay NH 1-800-735-2964 My car has been totaled.

More information

Virginia Personal Auto Policy

Virginia Personal Auto Policy Virginia Personal Auto Policy We know how important it is for you to stay on the move. St. Louis, Missouri GMAC Insurance Company Online, Inc. MIC General Insurance Corporation National General Insurance

More information

Business Auto Insurance. made simple

Business Auto Insurance. made simple Business Auto Insurance made simple What s inside: How to read an Allstate Business Auto Policy Declarations Understanding business auto insurance: Deductibles Coverage limits Frequently asked questions

More information

Who s Insured On What Auto? Determining Insured Status on Personal and Business Auto Policies:

Who s Insured On What Auto? Determining Insured Status on Personal and Business Auto Policies: Who s Insured On What Auto? Determining Insured Status on Personal and Business Auto Policies: Presented by: Ted A. Kinney, CIC CPCU ARM AU AAM AAI CPIA Alabama Independent Insurance Agents Birmingham,

More information

2013 COMMERCIAL LINES OOPS!

2013 COMMERCIAL LINES OOPS! 2013 COMMERCIAL LINES OOPS! (OFTEN OVERLOOKED POLICY SECTIONS) SPONSORED BY The policy says WHAT???!!! The OOPS!!! Commercial Lines OOPS Often Overlooked Policy Sections Michael C. D Orlando, CIC, LIA,

More information

INSURING GARAGE RISKS

INSURING GARAGE RISKS INSURING GARAGE RISKS SANDI KRUISE INSURANCE TRAINING 1-800-517-7500 www.kruise.com GARAGE COVERAGE FORM... 4 Auto Dealers... 4 Non-dealers... 5 Both Dealers and Non-dealers... 5 COMPONENTS OF THE ISO

More information

PERSONAL AUTO SPECIAL PROVISIONS

PERSONAL AUTO SPECIAL PROVISIONS PERSONAL AUTO SPECIAL PROVISIONS This endorsement changes the policy. Please read it carefully. DEFINITIONS Under K. Newly acquired auto, the following revisions apply: Item 2.a. is deleted and replaced

More information

Personal Automobile Policy

Personal Automobile Policy Personal Automobile Policy 4245 N. Knox Avenue Chicago, IL 60641 Phone (773) 458-1055 www.stonegateins.com A Stock Insurance Company YOUR AUTO POLICY QUICK REFERENCE 8912-009 (Ed. 01-08) DECLARATIONS PAGE

More information

Personal Auto Policy. We know how important it is for you to stay on the move.

Personal Auto Policy. We know how important it is for you to stay on the move. Personal Auto Policy We know how important it is for you to stay on the move. St. Louis, Missouri National General Insurance Company National General Assurance Company YOUR PERSONAL AUTO POLICY QUICK REFERENCE

More information

New Wordings of Automobile Insurance Forms Effective February 1 st, 2010

New Wordings of Automobile Insurance Forms Effective February 1 st, 2010 New Wordings of Automobile Insurance Forms Effective February 1 st, 2010 Since 2005, the Groupement des assureurs automobiles has been revising the automobile insurance forms. As the revision has now been

More information

Business Auto Coverage

Business Auto Coverage BUSINESS AUTO COVERAGE CA 00 01 03 10 Beginning On Page SECTION I COVERED AUTOS... 3 PART II LIABILITY COVERAGE... 5 Business Auto Coverage PART III PHYSICAL DAMAGE COVERAGE... 10 PART IV BUSINESS AUTO

More information

OREGON MUTUAL INSURANCE GROUP G0242AW (10-14) CUSTOM SHIELD AUTO POLICY

OREGON MUTUAL INSURANCE GROUP G0242AW (10-14) CUSTOM SHIELD AUTO POLICY OREGON MUTUAL INSURANCE GROUP G0242AW (10-14) CUSTOM SHIELD AUTO POLICY TABLE OF CONTENTS Declarations... attached inside front cover Agreement... 1 Definitions... 1 Your Duties After an Accident or Loss...

More information

GARAGE COVERAGE FORM

GARAGE COVERAGE FORM COMMERCIAL AUTO CA 00 05 10 01 GARAGE COVERAGE FORM Various provisions in this policy restrict coverage. Read the entire policy carefully to determine rights, duties and what is and is not covered. Throughout

More information

AUTOMOBILE LIABILITY & PHYSICAL DAMAGE COVERAGE AGREEMENT PART A GENERAL

AUTOMOBILE LIABILITY & PHYSICAL DAMAGE COVERAGE AGREEMENT PART A GENERAL AUTOMOBILE LIABILITY & PHYSICAL DAMAGE COVERAGE AGREEMENT PART A GENERAL I. The TASB Risk Management Fund (Fund) provides coverage as outlined in this Automobile Liability & Physical Damage Coverage Agreement.

More information

AMENDATORY ENDORSEMENT NORTH CAROLINA PERSONAL AUTO POLICY

AMENDATORY ENDORSEMENT NORTH CAROLINA PERSONAL AUTO POLICY AMENDATORY ENDORSEMENT NORTH CAROLINA PERSONAL AUTO POLICY This Endorsement amends the Policy as follows: I. DEFINITIONS The Definitions Section is amended as follows: A. The third paragraph is replaced

More information

Automobile Insurance Information for Travel in the Republic of Mexico

Automobile Insurance Information for Travel in the Republic of Mexico Although a driver license issued by any state in the U. S. is recognized by the Mexican Government, automobile liability insurance policies issued by most U. S. insurers are not valid in Mexico, inclusive

More information

Equity Insurance Company PO Box 8036, Waco, TX 76714 (800) 792-3224

Equity Insurance Company PO Box 8036, Waco, TX 76714 (800) 792-3224 PO Box 8036, Waco, TX 76714 (800) 792-3224 (NAIC # 28746) POLICY (EIC VA PAP 2012-10) VIRGINIA Your Quick Reference Guide POLICY TERMS (PP 00 01 01 05) ENDORSEMENTS Agreement 2 PP 01 99 07 06 Amendment

More information

LIABILITY COVERAGE SECTION PRINCIPAL LIABILITY AND MEDICAL PAYMENTS COVERAGES

LIABILITY COVERAGE SECTION PRINCIPAL LIABILITY AND MEDICAL PAYMENTS COVERAGES ML-9 Ed. 1/87 LIABILITY COVERAGE SECTION PRINCIPAL LIABILITY AND MEDICAL PAYMENTS COVERAGES Coverage L-Personal Liability We pay, up to our limit of liability, all sums for which any insured is legally

More information

TABLE OF CONTENTS Minimum Provisions for Automobile Liability Insurance Policies Covering Motor Vehicles

TABLE OF CONTENTS Minimum Provisions for Automobile Liability Insurance Policies Covering Motor Vehicles Insurance Department Sec. 38a-334 page 1 (10-00) TABLE OF CONTENTS Minimum Provisions for Automobile Liability Insurance Policies Covering Motor Vehicles Required areas of coverage.... 38a-334-1 Definitions....

More information

Handouts. For. Hello Auto Dealers, Goodbye Garage!

Handouts. For. Hello Auto Dealers, Goodbye Garage! Handouts For Hello Auto Dealers, Goodbye Garage! CPCU Society Annual Meeting New Orleans October 29, 2013 Copyright, ISO Properties, Inc., 2011 This publication includes forms, which are provided for review

More information

Nevada Family Automobile Insurance Policy

Nevada Family Automobile Insurance Policy GEICO ONE GEICO PLAZA Washington, D. C. 20076-0001 Telephone: 1-800-841-3000 Nevada Family Automobile Insurance Policy A-30-NV (02-08) SECTION I POLICY INDEX Page Liability Coverages Your Protection Against

More information

BUSINESS AUTO DECLARATIONS

BUSINESS AUTO DECLARATIONS COMMERCIAL AUTO B CA DS 03 01 12 Issuing Company: Tri-State Insurance Company of Minnesota Policy No.: Previous Policy No.: BUSINESS AUTO DECLARATIONS ITEM ONE NAMED INSURED AND ADDRESS AGENCY NAME AND

More information

Millennium Policy. Report Claims To: Alliance United Insurance Company P.O. Box 6042 Camarillo, CA 93011-6042 Phone (800) 508-5833

Millennium Policy. Report Claims To: Alliance United Insurance Company P.O. Box 6042 Camarillo, CA 93011-6042 Phone (800) 508-5833 Millennium Policy Report Claims To: Alliance United Insurance Company P.O. Box 6042 Camarillo, CA 93011-6042 Phone (800) 508-5833 Fraud Warning Pursuant to California Insurance Code Section 1879.2, you

More information

SASKATCHEWAN PRESTIGE AUTO INSURANCE

SASKATCHEWAN PRESTIGE AUTO INSURANCE Licence Plate Insurance... 2 Why Plate Insurance Isn t Enough... 3 Added Liability Protection... 4 Family Protection Coverage... 4 Vehicle Damage Deductible... 5 Accident Benefits... 5 Non-Owned Driver

More information

Rental Car Coverage and the MAP - So Much Exposure & So Little Coverage!

Rental Car Coverage and the MAP - So Much Exposure & So Little Coverage! Rental Car Coverage and the MAP - So Much Exposure & So Little Coverage! RENTAL CAR COVERAGE & THE MAP- SO MUCH EXPOSURE & SO LITTLE COVERAGE Robin Federici, CPCU, AAI, ARM, AINS, AIS, CPIW PO BOX 781

More information

Garage Liability Policy

Garage Liability Policy Garage Liability Policy 8 0 0. 8 3 3. 3 4 2 7 w w w. c o n s t i t u t i o n a l. c o m GARAGE LIABILITY COVERAGE FORM TC-11 QUICK REFERENCE (Ed. 01-06) DECLARATIONS PAGE Name of Insurance Company Policy

More information

COLORADO PERSONAL AUTO POLICY IMPORTANT NOTICE

COLORADO PERSONAL AUTO POLICY IMPORTANT NOTICE COLORADO PERSONAL AUTO POLICY IMPORTANT NOTICE The insured has made Loya Insurance Company (hereinafter called the Company) a written application attached hereto and incorporated by reference. Each and

More information

Ontario Automobile Policy (OAP 1)

Ontario Automobile Policy (OAP 1) Ontario Automobile Policy (OAP 1) Owner's Policy Approved by the Superintendent of Financial Services for use as the standard Owner's Policy on or after January 1, 2001. About This Policy This is your

More information

PERSONAL AUTOMOBILE INSURANCE POLICY ILLINOIS IMPORTANT

PERSONAL AUTOMOBILE INSURANCE POLICY ILLINOIS IMPORTANT PERSONAL AUTOMOBILE INSURANCE POLICY ILLINOIS IMPORTANT Notify the Company at 4245 N. Knox, Chicago, IL 60641, (773) 458-1010, of EVERY accident, however slight, immediately upon its occurrence. Delay

More information

COMMERCIAL GENERAL LIABILITY ENHANCEMENT ENDORSEMENT

COMMERCIAL GENERAL LIABILITY ENHANCEMENT ENDORSEMENT COMMERCIAL GENERAL LIABILITY UI GL 39 04 14 COMMERCIAL GENERAL LIABILITY ENHANCEMENT ENDORSEMENT The Commercial General Liability Enhancement Endorsement is an optional endorsement that provides coverage

More information

OKLAHOMA PERSONAL AUTO POLICY

OKLAHOMA PERSONAL AUTO POLICY Variable Field for Company Logo OKLAHOMA PERSONAL AUTO POLICY SAFECO INSURANCE COMPANY OF AMERICA Home Office: Safeco Plaza, Seattle, Washington 98185-0001 (A stock insurance company.) READY REFERENCE

More information

California Basic Auto Policy

California Basic Auto Policy Bristol West is a member of the Farmers Insurance Group of companies. California Basic Auto Policy Coast National Insurance Company IMPORTANT NOTICE The insured has made Coast National Insurance Company

More information

Gold Policy. Report Claims To: Alliance United Insurance Company P.O. Box 6042 Camarillo, CA 93011-6042 Phone (800) 508-5833

Gold Policy. Report Claims To: Alliance United Insurance Company P.O. Box 6042 Camarillo, CA 93011-6042 Phone (800) 508-5833 Gold Policy Report Claims To: Alliance United Insurance Company P.O. Box 6042 Camarillo, CA 93011-6042 Phone (800) 508-5833 Fraud Warning Pursuant to California Insurance Code Section 1879.2, you are hereby

More information

MOTORCYCLE INSURANCE POLICY (SAMPLE)

MOTORCYCLE INSURANCE POLICY (SAMPLE) MOTORCYCLE INSURANCE POLICY (SAMPLE) SAMPLE COLONIAL MOTORCYCLE POLICY 1 COLONIAL MOTOR CYCLE COVER The Colonial Insurance Company Ltd. (hereinafter referred to as Colonial ) agrees to provide insurance

More information

WISCONSIN PERSONAL AUTO POLICY READY REFERENCE TO YOUR AUTO POLICY

WISCONSIN PERSONAL AUTO POLICY READY REFERENCE TO YOUR AUTO POLICY WISCONSIN PERSONAL AUTO POLICY SAFECO INSURANCE COMPANY OF ILLINOIS Home Office: 2800 W. Higgins Rd., Suite 1100, Hoffman Estates, Illinois 60195 (A stock insurance company.) READY REFERENCE TO YOUR AUTO

More information

OREGON MUTUAL INSURANCE GROUP G0231AO (5-16) CUSTOM SHIELD AUTO POLICY

OREGON MUTUAL INSURANCE GROUP G0231AO (5-16) CUSTOM SHIELD AUTO POLICY OREGON MUTUAL INSURANCE GROUP G0231AO (5-16) CUSTOM SHIELD AUTO POLICY TABLE OF CONTENTS Declarations... attached inside front cover Agreement... 1 Definitions... 1 Your Duties After an Accident or Loss...

More information

LYNDON SOUTHERN INSURANCE COMPANY. TENNESSEE Personal Auto Policy

LYNDON SOUTHERN INSURANCE COMPANY. TENNESSEE Personal Auto Policy LYNDON SOUTHERN INSURANCE COMPANY TENNESSEE Personal Auto Policy WARNING Any person who knowingly provides false, incomplete or misleading information to an insurance company commits a fraudulent insurance

More information

COVERAGES AND ENDORSEMENTS

COVERAGES AND ENDORSEMENTS 1 DESCRIPTION OF PERSONAL AUTO COVERAGE The following is a general description of the coverages provided by the Personal Auto coverage form. The policy deductible applies to coverages and endorsements

More information

Benefits Handbook Date November 1, 2011. Group Umbrella Liability Insurance Plan Marsh & McLennan Companies

Benefits Handbook Date November 1, 2011. Group Umbrella Liability Insurance Plan Marsh & McLennan Companies Date November 1, 2011 Group Umbrella Liability Insurance Plan Marsh & McLennan Companies Group Umbrella Liability Insurance Plan This optional insurance provides additional liability coverage above the

More information

OREGON MUTUAL INSURANCE GROUP G0240AI (7-14) CUSTOM SHIELD AUTO POLICY

OREGON MUTUAL INSURANCE GROUP G0240AI (7-14) CUSTOM SHIELD AUTO POLICY OREGON MUTUAL INSURANCE GROUP G0240AI (7-14) CUSTOM SHIELD AUTO POLICY TABLE OF CONTENTS Declarations... attached inside front cover Agreement... 1 Definitions... 1 Your Duties After an Accident or Loss...

More information

DISCOVERY INSURANCE COMPANY PO BOX 200 KINSTON, NORTH CAROLINA 28502

DISCOVERY INSURANCE COMPANY PO BOX 200 KINSTON, NORTH CAROLINA 28502 PERSONAL AUTO POLICY STOCK COMPANY DISCOVERY INSURANCE COMPANY PO BOX 200 KINSTON, NORTH CAROLINA 28502 THESE POLICY PROVISIONS WITH THE DECLARATIONS PAGE AND ENDORSEMENTS, IF ANY, ISSUED TO FORM A PART

More information

INFORMATION NOTICE AUTO POLICY SUMMARY AND RELATED DISCLOSURES

INFORMATION NOTICE AUTO POLICY SUMMARY AND RELATED DISCLOSURES INFORMATION NOTICE AUTO POLICY SUMMARY AND RELATED DISCLOSURES THIS INFORMATIVE BOOKLET, CONTAINING: a) Information notice, including policy summary and related disclosures, and b) Glossary, SHALL BE AVAILABLE

More information

SASKATCHEWAN AUTO INSURANCE

SASKATCHEWAN AUTO INSURANCE Accident Benefits... 5 Added Liability Protection... 4 Affordable Premiums... 7 Coverage Summary Charts Commercial Vehicles... 9 Private Passenger Vehicles... 8 Family Protection Coverage... 4 Licence

More information

OVERVIEW OF HNO, PHYSICAL DAMAGE, CASE STUDY. Presented by: Alliant Insurance

OVERVIEW OF HNO, PHYSICAL DAMAGE, CASE STUDY. Presented by: Alliant Insurance OVERVIEW OF HNO, PHYSICAL DAMAGE, CASE STUDY Presented by: Alliant Insurance Session Overview At the end of this presentation, participants should be able to: 1. Define what HNO means 2. Understand how

More information

THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. GENERAL LIABILITY DELUXE ENDORSEMENT: INTEGRATED TECHNOLOGY

THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. GENERAL LIABILITY DELUXE ENDORSEMENT: INTEGRATED TECHNOLOGY THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. GENERAL LIABILITY DELUXE ENDORSEMENT: INTEGRATED TECHNOLOGY This endorsement modifies insurance provided under the following: COMMERCIAL GENERAL

More information

North Carolina Personal Automobile Policy

North Carolina Personal Automobile Policy North Carolina Personal Automobile Policy We know how important it is for you to stay on the move. 500 W 5th Street Winston Salem, NC 27101-2728 Integon General Insurance Corporation New South Insurance

More information

Business Auto Policy

Business Auto Policy Business Auto Policy American Family s Business Auto Policy With more than thirty years of commercial lines policy experience and $15 billion in assets*, American Family offers businesses the stability,

More information

TECHNICAL ADVISORY INDEPENDENT INSURANCE AGENTS OF LOUISIANA TA 107 JULY 14, 1997 RENTAL CARS AND COLLISION DAMAGE WAIVERS

TECHNICAL ADVISORY INDEPENDENT INSURANCE AGENTS OF LOUISIANA TA 107 JULY 14, 1997 RENTAL CARS AND COLLISION DAMAGE WAIVERS TECHNICAL ADVISORY INDEPENDENT INSURANCE AGENTS OF LOUISIANA TA 107 JULY 14, 1997 SUBJECT: BACKGROUND: MAIN POINTS: RENTAL CARS AND COLLISION DAMAGE WAIVERS Summertime brings vacationers flying to destinations

More information

Automobile Insurers Bureau

Automobile Insurers Bureau Automobile Insurers Bureau Massachusetts Automobile Policy Please read your policy. Part of the policy is a page marked Coverage Selections. It shows the types and amounts of coverage you have purchased.

More information

UNIQUE INSURANCE COMPANY GEORGIA

UNIQUE INSURANCE COMPANY GEORGIA UNIQUE INSURANCE COMPANY GEORGIA PERSONAL AUTOMOBILE INSURANCE POLICY UIC PPA GA 09_14 Table of Contents AGREEMENT General Definitions............................. 3, 4 PART I LIABILITY COVERAGE Insuring

More information

2) If using the Manual Entry Fields you must enter the original cost of the vehicle in the OCN (Original Cost New) field.

2) If using the Manual Entry Fields you must enter the original cost of the vehicle in the OCN (Original Cost New) field. PAGE - VEHICLES 7 8 9 0 ) Select the Year, Make and Model of your vehicle. If not listed, enter the Make, Model and Body type (i.e. car, truck, SUV, etc.) into the Manual Entry Fields. ) If using the Manual

More information

New York Personal Automobile Policy

New York Personal Automobile Policy New York Personal Automobile Policy We know how important it is for you to stay on the move. 500 W 5th Street Winston Salem, NC 27101-2728 New South Insurance Company CIM Insurance Corporation MIC Property

More information

PERSONAL AUTOMOBILE INSURANCE POLICY ILLINOIS IMPORTANT

PERSONAL AUTOMOBILE INSURANCE POLICY ILLINOIS IMPORTANT PERSONAL AUTOMOBILE INSURANCE POLICY ILLINOIS IMPORTANT Notify the Company at 7400 N. Caldwell, Niles, IL 60714, (773) 299-7500, of EVERY accident, however slight, immediately upon its occurrence. Delay

More information

MENDAKOTA CASUALTY COMPANY (Serviced by KAI Advantage Auto, Inc.) PERSONAL AUTOMOBILE INSURANCE POLICY ILLINOIS

MENDAKOTA CASUALTY COMPANY (Serviced by KAI Advantage Auto, Inc.) PERSONAL AUTOMOBILE INSURANCE POLICY ILLINOIS MENDAKOTA CASUALTY COMPANY (Serviced by KAI Advantage Auto, Inc.) PERSONAL AUTOMOBILE INSURANCE POLICY ILLINOIS IMPORTANT Notify the Company s claim office in Itasca, Illinois by telephone, of every accident

More information

belongings? It may surprise you to know that the average renter purchases approximately

belongings? It may surprise you to know that the average renter purchases approximately Renters Insurance State Farm coverage for just pennies a day belongings? It may surprise you to know that the average renter purchases approximately own if something should happen? With a State Farm Renters

More information

Property and Casualty Coverage

Property and Casualty Coverage Property and Casualty Coverage Property and casualty addresses the institutional needs of the University for recovery from loss and damage to a tangible item. This "non-life" class of coverage insures

More information