NTAL
In its base form, what does NTAL cover?
When the IC is driving while not under dispatch/direction from the carrier.
If an IC tries to fill a WC claim, what do I want in place to help keep this from hitting my WC policy?
Daily Double: What Limit do I want?
Contingent Liability
Statutory
What coverage would a flat bed hauler want?
Tarps, Chains, Binders
What endorsements can I get on based for NTAL to expand coveage?
To/From maintenance
To/From Garage
Commuter
Hovering
What percent of pay are benefits typically based on?
2/3rd's
What is best for towing?
Unlimited or reasonable and necessary
Bobtail
Unladen
What is CTD and TTD
Continuous disability & Total Disability
On DTBB what lines of coverage can I buy down?
AL, Cargo, PD on non owned trailers
What triggers unladen
Why would we want to sell someone primary coverage?
Avoids the IC from needing to go through their health insurance first. Health insurance is likely to have a deductible and co pays unlike OCAC.
On DTBB, is their a cap on what insurance will pay?
Yes, their is an aggregate on the buy down.
Example
- AL: 5K down to $500
- PD: 5K down to $500
- Cargo: 5K down to $500
- Aggregate: 10K
What two markets to we place Unladen coverage with?
Avant and Hudson
What states do we usually see sublimated or excluded on CL and why?
CA, NC, CO, NY, IL.
May see others but these are most common.
GAP, most like the ACV will be less than his loan amount unless they put a lot of money down.