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Commercial auto

060011-00

Exempt from detection program
Are commercial vehicles—for example, a fleet of private-passenger-type autos—subject to the uninsured motorist detection program?...

900012-00

Symbols: your key to what’s covered
Under the Business Auto Policy, could you discuss the difference between using Symbol 1, as compared to Symbols 7, 8 and 9, to indicate whether......

900027-00

Symbol 1—named insured
My client owns a vehicle scheduled on a personal auto policy. He also has a business auto policy naming him as an individual with covered autos......

900031-00

Drive-other-car coverage
My insured submitted a claim on a commercial automobile policy. The insured doesn’t have a personal automobile policy, because their four......

900039-00

Temporary substitutes
My client has a furnished auto and does not have a personal auto policy. Will the business auto policy cover a temporary substitute auto, if needed?...

900048-00

Stated amount
An antique auto insured under a business auto policy was stolen. The amount the insurer offered was less than the stated value. Is this correct?...

900093-00

Primary or excess?
An employee of our commercial auto policyholder had an accident in his personal vehicle. Our policyholder has two policies through two different......

900241-00

Coverage for valet parking
I was wondering what coverage issues arise when I permit a valet-parking attendant to drive my vehicle. If there is an accident, how will my......

900252-00

Commercial auto—suspension of coverage
When using ISO form CA 02 40—Suspension of Coverage, will an additional premium be issued once the suspension period is over? Would the......

900264-00

Borrowed motorcycle
On a commercial auto policy, if a customer borrows a motorcycle that is owned by a corporation (named insured) and is involved in an......

900307-00

Hired and nonowned vs. drive-other-car coverage
Does drive-other-car coverage typically cover “hired and nonowned”-type vehicles? If I am a company employee, with a corporate......

900311-00

BAP coverage for trailer owned by corporate officer
Our corporate client wants to pull an officer-owned trailer having a load capacity of less than 2,000 pounds behind a corporate-owned commercial......

900315-00

Vehicle liability for individual co-signer on a business lease
I have a commercial insurance client who recently co-leased a vehicle in both the name of his company and an individual who does not have......

900324-00

Loss of use
A client purchases an ISO Business Auto Policy with physical damage coverage. How would you describe its provisions for the loss-of-use coverage?...

900353-00

Garage employee's use of owner's commercial vehicle
My client has a fleet of commercial vehicles. The garage where the owner gets these vehicles repaired/maintained comes to the owner’s place......

900373-00

Corporate-owned vehicle
Can a corporate-owned auto (or LLC-owned auto) be insured under a personal auto policy or must it be insured under a business auto policy?...

900384-00

Commercial auto—care, custody and control
Our insured has a fleet of vehicles, one of which is the owner’s truck. In the evening it is driven home and parked in the driveway. The......

900413-00

Incorrect lessor named
I quoted a commercial automobile policy for someone using a copy of the prior policy. The lessor for a scheduled vehicle was not the current one,......

900414-00

Ownership of scheduled commercial vehicle
My client is a sole proprietor who uses a commercial vehicle in his business. His wife owns the vehicle. Is there any coverage issue when the......

900422-00

Federal electronic-driving device rule for truckers
Our clients are talking about a new electronic-driving device rule for motor carriers. Can you give us some information on this?...

900503-00

Trucker’s general liability
What does a trucker’s general liability policy cover when not operating vehicles covered on the motor carrier policy?...