Auto Coverage Symbols
Which coverage symbol provides the broadest Auto Liability protection?
Symbol 1 – Any Auto.
What party coverage is this?
Third Party Coverage
What is additional insured?
Provides defense coverage those with AI status, either while named or meet the definition in a blanket endorsement via contact.
Does Auto Liability cover damage to the insured’s own vehicle?
No — that is physical damage coverage, not auto liability.
True or False: Auto Liability only applies when a vehicle is being driven.
False — coverage can be triggered by “use,” including backing, parking, fueling, and certain loading or unloading activities.
Which symbol covers only autos specifically listed on the policy?
Symbol 7 – Specifically Described Autos.
What reporting options are there for auto liability?
Mileage, Revenue, and Units.
what is waiver of subrogation?
Insurance company gives up its right to recover money from a third party that caused a loss after the insurer has paid a claim. Customers of our clients will typically ask for this.
True or False: Auto Liability covers damage to the insured’s own cargo.
False — cargo is covered under Motor Truck Cargo insurance.
What determines whether a pollution spill is covered?
What spilled and why — vehicle fluids from an accident may be covered, cargo spills usually are not.
True or False: Symbol 8 covers owned company trucks.
False — Symbol 8 covers hired autos only.
What coverages are within auto liability?
Bodily Injury and Property Damage
What is the CA 99 48 Endorsement?
Daily Double - What triggers coverage?
Upset and overturn event
True or False: Auto Liability always covers pollution losses.
False — coverage depends on what spilled and why; cargo-related pollution is typically excluded.
True or False: Reporting a vehicle at the next audit creates retroactive coverage.
False — reporting intent or audit reporting does not create coverage.
Who is typically covered under Symbol 9 – Non‑Owned Autos Only?
Employees using their personally owned vehicles for business purposes.
What is UM & UIM coverage?
Daily Double - Why do we recommend toreject or go state minimum?
Uninsured and underinsured coverage.
Work comp should cover the driver for injuries, prevents double dipping and the driver getting coverage under the AL as well. On the physical damage side, their PD policy should pick this up and subrogate back.
Business auto policies (not the AL for the truck) will typically narrow their symbol wording to what?
Any “auto” except those “autos” covered under your Motor Carrier policy number
OR
Only the private passenger “autos” you own. This includes those private passenger “autos” you acquire ownership of after the policy begins.
Does an accident have to involve another vehicle for Auto Liability to trigger?
No — it can involve pedestrians, buildings, or other third-party property.
What risk does Trailer Interchange Coverage protect against?
It protects the motor carrier for damage to non‑owned trailers used under a written interchange agreement, even though the carrier does not own the trailer.
What is a major risk of using Symbol 7?
Newly acquired autos may not be covered if they are not added timely. (will also accept answers about correct reporting)
Why is Hired & Non‑Owned Auto Liability important even if a company does not own many vehicles?
Because liability can exist without ownership when vehicles are rented, leased, or employee‑owned but used in the business.
Will not cover BI claims that a passenger in the auto has.
What is the purpose of the MCS‑90 endorsement?
To protect the public by requiring the motor carrier to pay covered losses even if the policy would not otherwise apply.
What is a deductible vs retention