Covered Auto Symbols
The symbol that can be used on both liability and physical damage coverages to provide coverage for vehicles the named insured leases, hires, rents, or borrows.
What is symbol 8?
This type of individual--though not named on the policy--can still be covered when operating a covered auto with the insured's consent.
What is a permissive user?
The definition of this term under the pollution exclusion is so broad that even substances like milk, flour, or water could qualify--if they're in the wrong place or present in unsafe quantities.
What is pollutants?
This term references the portion of a loss paid directly by the insured, and the carrier steps in only after it’s met.
What is Self-Insured Retention (SIR)?
This endorsement may be added to protect the employee when they are driving their own vehicles on company business.
What is the Employee Hired Autos endorsement (CA 20 54)?
The symbol primarily used when the employee is using their own auto in the employer's business.
What is symbol 9?
This coverage offers some protection for drivers in an international accident, but the suit must be brought to the US or its territories.
What is Limited Worldwide Coverage?
After being injured in a company vehicle, an employee sues their employer--not just as their boss, but also as the manufacturer of the defective part that allegedly caused the accident. This type of lawsuit is known by this name.
What is a dual capacity claim?
This term refers to the amount the carrier pays first, then bills back to the insured, and it reduces the limit of insurance.
What is a deductible?
This endorsement provides limited protection for insured vehicles traveling beyond U.S. borders--but it does not meet the legal insurance requirements of the destination country.
What is the Limited Mexico Coverage endorsement (CA 01 21)?
The symbol which covers only autos specifically listed in ITEM THREE of the Declarations.
What is symbol 11?
This broad definition includes repeated or continuous exposure to the same conditions resulting in bodily injury or property damage.
What is an accident?
While unloading office equipment from a company van, an employee accidentally drops a printer, damaging it before it's delivered, the business auto policy denies coverage for the loss, citing this specific exclusion.
What is the Handling of Property exclusion?
The minimum per accident coverage amount if an insured is contractually obligated to maintain limits of 50k/100k/40k.
What is $140k?
This endorsement removes a key exclusion from the auto policy, allowing coverage when one employee sues another for injuries sustained in a work-related auto accident.
What Fellow Employee Coverage (CA 20 55)?
To determine if PIP coverage is required under Symbol 12, insurers look at this location-based facto that identifies where a vehicle is most often kept when not in use.
What is principally garaged?
To be classified as an “auto” under liability coverage, a vehicle must be designated for use on public roads or must obtain these two legal qualifications.
What are a license and liability coverage?
A tanker truck carrying fuel overturns on the highway, spilling its contents into a nearby drainage ditch. Despite the pollution exclusion in the policy, the insurer provides coverage due to this specific exception.
What is the Upset/Overturn Exception?
This phrase in a deductible endorsement indicates that the deductible applies to both damages and defense costs.
What is "defense inside the deductible?"
This endorsement extends liability coverage to employees using their own vehicle for business purposes--making them insureds under the employer's policy, even though the autos aren't owned, hired, or borrowed by the company.
What is Employees as Insures (CA 99 33)?
These flexible designation codes allow carriers to tailor auto coverage to specific vehicles or situations—but using them may require endorsement CA 99 54: Covered Auto Designation Symbol Endorsement.
What are floating symbols?
Employees of businesses engaged in this type of vehicle-related work are excluded as permissive users under liability coverage—unless they happen to be the owner.
What is auto servicing, repairing, storing, or parking?
An employee is injured in a work-related auto accident and sues the vehicle manufacturer. That manufacturer then turns around and sues the employer, claiming the employer's negligence contributed to the injury. This type of lawsuit is known by this name.
What is a third-party over claim?
This term refers to defense costs that may be incurred related to a claim and are often referenced in deductible endorsements.
What are "Allocated Loss Adjustment Expenses (ALAE)?
This endorsement designates a lessor as both an additional insured and a loss payee for leased autos, but only for liability arising from the actions of the insured or their agents--not the lessor or its employees.
What is Lessor Additional Insured and Loss Payee (CA 20 01)?