Coverages
What are bodily injury and property damage?
This symbol may only be used for liability coverage an includes all autos
What is symbol 1.
Insurance pays out in this order between driver and vehicle?
What is vehicle first, driver second?
This common supplemental coverage covers limited expenses if an insured needs to temporarily rent a substitute vehicle while their vehicle is damaged.
What is rental reimbursement coverage?
These two coverages combined refer to "Physical Damage" coverage to your autos
What are Comp and Collision?
These two symbols cover basically the same thing, but one is used specifically for UM/UIM.
What are symbol 2 and symbol 6?
Businesses without owned vehicles still may have this type of auto exposure.
What is hired & non-owned liability?
These three endorsements are commonly required on contracts as part of Auto Liability coverages required.
What are AI, PNC, WOS?
These two coverages apply on a per-state basis and require individual state endorsements for each state included on the policy.
What are uninsured and underinsured motorists?
This symbol only covers those vehicles detailed on the policy.
What is symbol 7?
This exclusion precludes medical payments or UM coverage from applying to employees driving a vehicle, even if they are not at fault.
What is the work comp exclusion?
This coverage extends the commercial auto coverages to apply to a specific driver, usually an officer, even while they are driving vehicles not scheduled on the policy. It is used when an officer does not have personal insurance.
What is drive-other-car coverage?
This covers bodily injury to the insured when struck by a hit-run driver.
What is uninsured motorist coverage?
The combination of these three symbols is equivalent to symbol 1.
What are symbols 2, 8, and 9.
This type of vehicle is excluded from the definition of "auto" and includes bulldozers, forklifts, and vehicles used off public roads.
What is Motor Truck Cargo?
A vehicle with "full coverage" would have these six coverages.
What are liability, med pay, UM, UIM, comp, and collision?
These symbols together are used for liability when an insured does not own any vehicles.
What are symbols 8, 9?
This type of equipment would be covered under auto physical damage instead of Inland Marine.
What is permanently attached equipment?
This endorsement is added onto trucking/hauling accounts to verify compliance with DOT filings.
What is the MCS-90?