Coverage Symbols
Claims Scenarios
Policy Exclusions
Definitions
Miscellaneous
100

What is coverage symbol 7? 

What is "Specifically described autos"?

100

Is there coverage for a rental vehicle for liability if the insured rented it as a temporary substitute while their vehicle was being repaired? 

What is "Yes, under C. page 2 Certain Trailers, Mobile Equipment And Temporary Substitute Autos"?

100

Where in the policy does it state that The Hartford can assess and pay a claim as they deem appropriate? 

What is "SECTION II – COVERED AUTOS LIABILITY COVERAGE, Paragraph 3, sentence 3"?

100

Does an "auto" include mobile equipment? 

What is "No, 'auto' does not include 'mobile equipment'"?

100

What coverage applies if an insured vehicle collides with a deer? 

What is "Comprehensive"?

200

 For Liability coverage, if you have a symbol 1, do you have coverage for any auto?

What is "Yes, any auto"?

200

Does Jake’s Contracting have liability coverage for a 2024 Toyota Tundra replaced but not reported within 30 days? 

What is "Yes, symbol 1 any auto provides liability coverage"?

200

Does the Commercial Auto Broad Form provide rental coverage for a collision loss? 

What is "No, it only extends rental coverage for total theft"?

200

What is the definition of "property damage"?

What is "Damage to or loss of use of tangible property"?

200

How much coverage does the Broad Form give for vinyl vehicle wraps in a total loss situation? 

What is $1,000?

300

Does symbol 7 provide coverage for a vehicle not scheduled on the policy? 

Answer: What is "No, the vehicle has to be scheduled on the policy for coverage to apply"?

300

 Is there coverage for an accident that happened at a drag strip while racing?

 What is "No, due to Exclusion 13. Racing"?

300

What is the deductible for a collision claim if the insured has multiple policies with different deductibles? The Auto policy has a $1,000 deductible and the Property Policy has $500.

What is "$500, as the deductible under the Business Auto Coverage Form is reduced by the amount of the smaller deductible"?

300

What does it mean when a word is in quotations like “accident”? 

What is "The word is defined in the definition section"?

300

Does the insured have coverage for damage to a rental vehicle rented for a business trip? 

Answer: What is "Yes, based on HIRED AUTO PHYSICAL DAMAGE COVERAGE"?