Personal Auto Coverage Guide, 2nd Edition

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1 Brochure More information from Personal Auto Coverage Guide, 2nd Edition Description: "Personal Auto Coverage Guide, 2nd Edition" provides clear, straightforward interpretation and insightful analysis reflecting the 2005 edition of the ISO Personal Auto Policy. This second edition has been revised and includes: - Broadened medical payments coverage - New trip interruption coverage endorsement - Revised appraisal provision - Clarified wording of passenger hazard exclusion - Added extended non-owned coverage - And much more! This report also looks at the following different coverage scenarios: - Coverage for Rental Car Not Used by Insured - Does Intentional Injury Exclusion Apply to a Carjacking? - Is Damage to Husbands Company Car Covered? - Is the Mechanical Breakdown Exclusion Applicable? - Liability Coverage Arising out of the Use of a Car? - Med Pay for Driver s Heart Attack - Physical Damage Coverage for Long Term Rental Vehicle - Reasonable Belief to Use Rental Car - Replacing Car Locks as Physical Damage - A Step-Child s Place of Residence - Transportation Expenses and the Physical Damage Deductible - UMPD and Rental Coverage - What Caused Transmission Damage? - When Does Reasonable Belief Exclusion Apply? - When Is Equipment Permanently Installed? Contents: Chapter 1: Underwriting a Personal Auto Policy Eligibility Underwriting a Personal Auto Submission Age, Gender, and Marital Status Driving Record Use of the Car Type of Car Occupation Insurance Score (Credit Score) Rating a Personal Auto Policy Rating Example Arrangement of the Policy The Dec Page Contents of the PAP Mandatory Endorsements Other Endorsements Chapter 2: Definitions You and Your Changes in Insured Status We, Us, and Our Leased Cars Bodily Injury Business

2 Family Member Occupying What Is Occupying Really? Property Damage Temporary Substitute Trailer Your Covered Auto Newly Acquired Auto Automatic Coverage for Newly Acquired Autos Minimum Limits Chapter 3: Liability Coverage The Insuring Agreement Promise to Pay Legal Liability and Provide Defense The Liability Insuring Agreement Who Is an Insured Supplementary Payments Paragraph A Exclusions Intentional Injury Exclusion Damage to Owned Property Exclusion Care, Custody, or Control Exclusion Liability to an Employee of the Insured Exclusion Public or Livery Conveyance Exclusion Business Use Exclusions Reasonable Belief Exclusion Nuclear Exclusion Paragraph B Exclusions Off-Road Vehicles Furnished for Regular Use Racing Exclusion Limit of Liability Out of State Coverage Financial Responsibility Other Insurance Chapter 4: Medical Payments Coverage Who and What Is Covered Exclusions Vehicles with Fewer Than Four Wheels Public or Livery Conveyance Vehicles as Residences Workers Compensation Vehicles Owned or Provided What Is Furnished or Available? Reasonable Belief Vehicle Used in Business War and Nuclear Racing Medical Payments Conditions Limit of Liability Other Insurance Chapter 5: Uninsured Motorists Coverage Who Is Covered for UM What Is an Uninsured Motor Vehicle? No Insurance Limits Lower Than State Minimums Hit and Run Vehicle Denial of Coverage What Is Not an Uninsured Motor Vehicle? Vehicles Owned or Furnished Self Insured Vehicles Government Owned Vehicles Rails and Crawler Treads

3 Off-Road Vehicles Vehicles Used as Residences Exclusions Vehicles Owned but Not Insured Family Members and Other Insurance Settlement without Consent of the Insurer Public or Livery Conveyance Reasonable Belief Workers Compensation and Disability Benefits Punitive Damages UM Coverage Conditions Limit of Liability Other Insurance Arbitration Underinsured Motorists Coverage (UIM) Uninsured Motorists Property Damage Coverage (UMPD) Chapter 6: Coverage for Damage to Your Auto The Insuring Agreement Coverage for Direct and Accidental Loss The Scope of Auto Equipment The Insuring Agreement Collision and Other Than Collision Definition of Non-owned Auto Transportation Expenses Physical Damage Coverage Exclusions Public or Livery Exclusion Wear and Tear Exclusion War And Nuclear Exclusion Electronic Equipment Exclusions Governmental or Civil Authorities Exclusion Trailers, Campers, Mobile Homes Exclusion Reasonable Belief Exclusion Radar Detection Equipment Exclusion Custom Furnishings Exclusion Auto Business Exclusion Racing Exclusion Rental Cars Exclusion Limit of Liability Payment of Loss No Benefit to Bailee Other Sources of Recovery Other Sources of Recovery Primary vs. Excess Coverage Appraisal Chapter 7: Duties after Loss and General Provisions Duties after an Accident or Loss Prompt Notice of Loss or Claim Other Duties When Seeking Coverage Uninsured Motorists Coverage Physical Damage Coverage General Provisions Bankruptcy Changes Fraud Legal Action against Us Our Right to Recover Payment Policy Period and Territory Termination Transfer of Your Interest in This Policy Two or More Auto Policies State-Specific Amendments Chapter 8: Endorsements Available for the Personal Auto Policy Additional Insured Lessor PP 03 19

4 Auto Loan/Lease Coverage PP Customizing Equipment Coverage PP Damage to Your Auto (Maximum Limit of Liability) PP Damage to Your Auto Loss Settlement Amendment PP Excess Custom Equipment Coverage Excess Electronic Equipment Coverage PP Extended Non-Owned Coverage for Vehicles Furnished or Available for Regular Use PP Federal Employees Using Autos in Government Business PP Full Safety Glass Coverage PP Full Windshield Coverage PP Joint Ownership Coverage PP Liability Coverage Exclusion Endorsement PP Limited Mexico Coverage PP Loss Payable Clause PP Mexican Collision Coverage PP Miscellaneous Type Vehicle Endorsement PP Miscellaneous Type Vehicle Amendment (Motor Homes) PP Named Non-Owner Coverage PP Optional Limits Transportation Expenses Coverage PP Single Liability Limit PP Snowmobile Endorsement PP Suspension of Insurance PP Tapes, Records or Other Devices PP Towing and Labor Costs Coverage PP Trailer/Camper Body Coverage (Maximum Limit of Liability) PP Trip Interruption Coverage PP Trust Endorsement PP Underinsured Motorists Coverage PP List of PAP Endorsements (discussed in this chapter) in Numeric Order Chapter 9: Miscellaneous Type Vehicles Motor Homes1 Trailers and Camper Bodies Motorcycles and Other Similar Vehicles Not Used for Business Purposes Snowmobiles and All-Terrain Vehicles Dune Buggies Golf Carts Antique and Classic Autos The Miscellaneous Type Vehicle Endorsement, PP Snowmobile Endorsement, PP Chapter 10: Non-owned Coverage Introduction Extended Nonowned Coverage Endorsement Covered Persons Excluded Autos Liability Coverage Medical Payments Coverage Business Use Rating4 Extended Nonowned Coverage Vehicles Furnished or Available for Use as Public or Livery Conveyance Endorsement, PP Rating Named Nonowner Coverage General Features of PP Liability Coverage Medical Payments Coverage Uninsured Motorists Coverage Rating Nonownership Coverage under a Commercial Auto Policy Drive Other Car Coverage CA 99 10

5 Individual Named Insured Endorsements under a Commercial Auto Policy Regular Use Chapter 11: No-Fault Automobile Insurance Types of No-Fault Laws General Description of Coverage Elements of No-Fault Coverage No-Fault Benefits An Illustration of No-Fault Benefits Tort Liability Exemption Compulsory No-Fault Laws Property Damage Constitutionality of No-Fault Laws Chapter 12: Financial Responsibility and Compulsory Insurance Laws Financial Responsibility Laws Compulsory Insurance Laws Unsatisfied Judgment Funds Low-Cost Auto Insurance No Pay, No Play Laws Personal Auto Insurance and Laws Requiring Insurance Required Limits by State Chapter 13: Issues in Personal Auto Insurance Automatic Coverage Newly Acquired Autos Inoperable Autos When Acquired? Trailers Named Insured s Ownership Replacement vs. Additional Automobile Betterment Aftermarket Auto Parts What Is Collision? Collision in General Collision with Road or Ground Collision with Water Falling Objects Missiles Malicious Mischief or Vandalism Windstorm Collision Following Theft Contact with Bird or Animal Glass Breakage Shifting of Cargo Other Causes of Loss Proximate Cause Insurable Interest in Stolen Autos Misrepresentation and an Insurer s Right to Cancel a Policy Public or Livery Conveyance Car Pools Stacking What Qualifies as Use of Auto? Rental Cars and the Loss Damage Waiver PAP Coverage Suggestions for Agents To Buy or Not to Buy Auto and Motor Vehicle Defined Uninsured Motorists Coverage Motorcycles as Motor Vehicles Handling a Total Loss Appendix A: Personal Auto Policies (Reproduced) Personal Auto Policy PP

6 Personal Auto Policy PP Appendix B: Selected Endorsements (Reproduced) Towing and Labor Costs Coverage PP Extended Non-Owned Coverage Vehicles Furnished or Available for Regular Use PP Appendix C: Personal Auto Requirements by State, Including Uninsured and Underinsured Motorists Coverage Appendix D: No-Fault States with Unrestricted and Restricted Right to Sue Appendix E: Personal Auto Checklist Appendix F: Personal Auto Forms Applicable in Each State and Special State Endorsements Appendix G: Penalties for Failure to Carry Motor Vehicle Insurance Index Coverage scenarios - Coverage for Rental Car Not Used by Insured - Does Intentional Injury Exclusion Apply to a Carjacking? - Is Damage to Husbands Company Car Covered? - Is the Mechanical Breakdown Exclusion Applicable? - Liability Coverage Arising out of the Use of a Car? - Med Pay for Driver s Heart Attack - Physical Damage Coverage for Long Term Rental Vehicle - Reasonable Belief to Use Rental Car - Replacing Car Locks as Physical Damage - A Step-Child s Place of Residence - Transportation Expenses and the Physical Damage Deductible - UMPD and Rental Coverage - What Caused Transmission Damage? - When Does Reasonable Belief Exclusion Apply? - When Is Equipment Permanently Installed? Ordering: Order Online - Order by Fax - using the form below Order by Post - print the order form below and send to Research and Markets, Guinness Centre, Taylors Lane, Dublin 8, Ireland.

7 Page 1 of 2 Fax Order Form To place an order via fax simply print this form, fill in the information below and fax the completed form to (from USA) or (from Rest of World). If you have any questions please visit Order Information Please verify that the product information is correct. Product Name: Web Address: Office Code: Personal Auto Coverage Guide, 2nd Edition SC Product Format Please select the product format and quantity you require: E-Book (PDF) - Single User: Quantity USD 96 Contact Information Please enter all the information below in BLOCK CAPITALS Title: Mr Mrs Dr Miss Ms Prof First Name: Last Name: Address: * Job Title: Organisation: Address: City: Postal / Zip Code: Country: Phone Number: Fax Number: * Please refrain from using free accounts when ordering (e.g. Yahoo, Hotmail, AOL)

8 Page 2 of 2 Payment Information Please indicate the payment method you would like to use by selecting the appropriate box. Pay by credit card: You will receive an with a link to a secure webpage to enter your credit card details. Pay by check: Please post the check, accompanied by this form, to: Research and Markets, Guinness Center, Taylors Lane, Dublin 8, Ireland. Pay by wire transfer: Please transfer funds to: Account number Sort code Swift code IBAN number Bank Address ULSBIE2D IE78ULSB Ulster Bank, Main Street, Blackrock, Co. Dublin, Ireland. If you have a Marketing Code please enter it below: Marketing Code: Please note that by ordering from Research and Markets you are agreeing to our Terms and Conditions at Please fax this form to: (646) or (646) From USA or From Rest of World

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