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 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
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
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
Auto Loan/Lease Coverage PP 03 35 Customizing Equipment Coverage PP 03 18 Damage to Your Auto (Maximum Limit of Liability) PP 03 08 Damage to Your Auto Loss Settlement Amendment PP 03 43 Excess Custom Equipment Coverage Excess Electronic Equipment Coverage PP 03 13 Extended Non-Owned Coverage for Vehicles Furnished or Available for Regular Use PP 03 06 Federal Employees Using Autos in Government Business PP 03 01 Full Safety Glass Coverage PP 03 15 Full Windshield Coverage PP 03 25 Joint Ownership Coverage PP 03 34 Liability Coverage Exclusion Endorsement PP 03 26 Limited Mexico Coverage PP 03 21 Loss Payable Clause PP 03 05 Mexican Collision Coverage PP 03 56 Miscellaneous Type Vehicle Endorsement PP 03 23 Miscellaneous Type Vehicle Amendment (Motor Homes) PP 03 28 Named Non-Owner Coverage PP 03 22 Optional Limits Transportation Expenses Coverage PP 03 02 Single Liability Limit PP 03 09 Snowmobile Endorsement PP 03 20 Suspension of Insurance PP 02 01 Tapes, Records or Other Devices PP 03 04 Towing and Labor Costs Coverage PP 03 03 Trailer/Camper Body Coverage (Maximum Limit of Liability) PP 03 07 Trip Interruption Coverage PP 13 02 Trust Endorsement PP 13 03 Underinsured Motorists Coverage PP 03 11 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 03 23 Snowmobile Endorsement, PP 03 20 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 13 05 Rating Named Nonowner Coverage General Features of PP 03 22 Liability Coverage Medical Payments Coverage Uninsured Motorists Coverage Rating Nonownership Coverage under a Commercial Auto Policy Drive Other Car Coverage CA 99 10
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 00 01 01 05
Personal Auto Policy PP 00 01 06 98 Appendix B: Selected Endorsements (Reproduced) Towing and Labor Costs Coverage PP 03 03 04 86 Extended Non-Owned Coverage Vehicles Furnished or Available for Regular Use PP 03 06 01 05 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 - http://www.researchandmarkets.com/reports/1515701/ 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.
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