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Commercial auto

310013-00

NYAIP: Garage policy drive-other-car coverage
My insured has a New York Automobile Insurance Plan garage dealers policy and wants to add two private-passenger vehicles, registered in......

310014-00

NYAIP: Garage policy liability coverage
Under a New York Automobile Insurance Plan garage dealers policy, can I obtain broad-form CGL coverage like the coverage which is available in the......

310032-00

NYAIP: Permit 17 certificates
Under the New York Automobile Insurance Plan’s Special Risk Distribution Plan procedures, can the producer issue a certificate for Permit......

310042-00

FS-20s for mobile equipment
I have an insured who is a crane operator. His crane comes under the definition of mobile equipment and needs special plates from the New York......

310051-00

Defensive-driver discount—garage policy
My insured has a garage dealer policy and has signed up for the New York State Department of Motor Vehicles-approved defensive-driver course. He......

310061-00

Pollution exclusion
Does the pollution exclusion apply to the business auto and motor carrier policies in New York?...

310098-00

New York tow truck coverage
Our insured, a vehicle dealer, maintains a tow truck solely to move its own stock around. Does the insured have to purchase New York’s......

310113-00

Who is an insured?
The Who Is An Insured (A.1) provision of Section II—Liability Coverage in the Business Auto Coverage form (CA 00 01) states that an insured......

310123-00

Loading/unloading is ’use’ in New York state
We insure a moving company with an ISO Truckers Coverage Form. The movers damaged a building while carrying furniture off a truck and getting it......

310145-00

I.D. cards for self-insureds
How are I.D. cards for self-insured entities handled?...

310391-00

Photo inspections—commercial vehicles
Some insurers are giving us notice that commercial vehicles less than 6,500 pounds are now subject to photo inspections as a result of recent......

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 non-owned vs. drive-other-car coverage
Does drive-other-car coverage typically cover “hired and non-owned”-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 3,000 pounds behind a corporate-owned......

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?...