ch 4 BAC

Insures all types of private passenger autos, pickups, vans and all sizes of trailers/trucks used on public roadways. Not designed to cover truckers for hire, garage risks or public livery conveyances such as taxis, limos and buses

A "covered auto" for each coverage in the policy is designated by a symbol, depending on the extent of coverage.

Covers legal liability of the insured up to the liability limit plus unlimited defense costs and supplementary payments for "auto accidents". Pollution damage is covered if pollution is caused by an accident and involved a substance necessary for normal functioning of the auto

• 1 - Named insureds while owning or operating a covered auto
• 2 -Others while using a covered auto with permission
• 3 - Others who be come liable for the conduct of an insured
• 4 - Employees while moving property to or from a covered auto

• 1 - Person working in an auto-type business
• 2 - Non-employees loading/unloading covered auto
• 3 - Owner of a hired or borrowed auto

Covers accidental direct damage to covered autos and their equipment

Overturn of the covered vehicle or collision with another object

Any loss, other than collision, that is not otherwise excluded. (glass breakage, hitting an animal)

More limited than comprehensive. Covers fire, lightning, explosion, theft, acts of nature, damage to auto while transported

Not covered under Collision. $20/day; $600 max for temp transportation after theft. Payments start 48 hours after theft and ending when the covered auto is returned or reimbursed (regardless of policy's expiration)

For hired Auto Physical Damage, insurer will pay expenses for which an insured becomes legally responsible to pay for loss of use of a vehicle rented or hired without a driver

• 1 - Nuclear hazards, war/military action
• 2 - Racing/stunt driving
• 3 - Wear and tear/road damage
• 4 - Audio, visual or data electronics/laser detection
• 5 - Electronic equipment not permanently installed in the covered auto

• Pays the insured and occupants of the insured vehicle against bodily injury and property damage from:
• 1 - Uninsured motorist
• 2 - Insureds carrying less than a financially responsible amount of coverage
• 3 - Hit and Run drivers
• 4 - Insureds who's company denies coverage or becomes insolvent

Provides coverages for the insured when they are involved in an accident with a driver who has auto liability insurance but the limit is not sufficient to pay for the insured's damage.

Payment for reasonable and necessary expenses for medical expenses resulting from the accident and incurred within 3 years after the accident. Covers named insured and relatives who are members of their household.

Extends commercial auto coverage to insure the non-business exposures of named individuals who may not own an auto and may not have personal auto insurance. Covers insured and spouse to make any non-owned private passenger vehicle a covered auto when in use.

May be used to add an individual and their family members to business auto insurance. Primarily for when an insured's business wants to add their owned auto to the business auto policy.

Protects employees under the Business Auto coverage to provide additional protection. Any employee is an insured while driving an auto the business doesn't own, hire or borrow for the use of business affairs

Leased vehicles can be considered owned vehicles for coverages purposes

Adds coverage for specified hired autos as if they were covered autos owned by the named insured.

Mobile equpiment is considered a covered auto