The Saturday
Scramble

SYMBOL: Covered auto symbols identify which categories of autos are covered for a particular coverage. Check the symbol beside each coverage in the declarations.

LIABILITY: Auto liability coverage addresses covered claims for bodily injury or property damage for which an insured is legally responsible.

COLLISION: Collision coverage addresses covered damage to an auto from impact with another object or from overturn.

COMPREHENSIVE: Comprehensive addresses covered auto damage from causes other than collision or overturn, such as theft, fire, or hail. Exclusions still apply.

DEDUCTIBLE: A deductible is the portion of a covered loss assigned to the insured under the policy terms.

HIRED: Hired autos generally include autos the named insured leases, hires, rents, or borrows, subject to the form’s exceptions.

NONOWNED: Nonowned autos can include employee-owned vehicles used in the business. Coverage depends on the policy and the circumstances.

TRAILER: Trailers have their own covered-auto and coverage considerations. Do not assume every trailer has the same protection as the towing vehicle.

INSURED: Who qualifies as an insured depends on the policy wording, the coverage, and how the auto is being used.

ENDORSEMENT: An endorsement changes the policy. It can add, restrict, or otherwise modify coverage or other terms.

LIMIT: The limit is the most the insurer will pay for a covered loss under the applicable policy provision.

ACCIDENT: The business auto form’s definition of accident includes continuous or repeated exposure to the same conditions resulting in bodily injury or property damage.