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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 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 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?...