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Commercial Auto Symbols – Part 1


     Have you ever, during a particularly wild moment, closely examined the insurance policy that covers your business vehicles?  If so, you may have noticed the little numbers that appear next to each listed coverage. Hopefully you’re familiar with these numbers and their meaning. If not, please see below.

 

Covered Auto Designation Symbols

 

     Those little numbers are called covered auto designation symbols and they represent the type of vehicle that is protected by the applicable liability or physical damage insurance limit. As you review the symbol definitions, it is important to remember several points. One is that the symbol may apply to either a particular kind of vehicle OR the vehicle’s ownership status. The second point is that "auto" is a defined term, so you must be familiar with your particular policy’s definitions (they can vary among different insurance companies). A third point is that the symbols differ depending on whether the coverage is for liability or physical damage.

 

Liability Coverage Auto Symbols

 

1 = Any "Auto"

This is the broadest symbol designation and covers any "auto."

 

2 = Owned "Autos" Only

This symbol covers any "auto" owned by an insured, including any "auto" that is acquired after the policy begins. The symbol also applies to any "trailer" while it is towed by an owned vehicle.

 

3 = Owned Private Passenger "Autos" Only

This symbol covers only private passenger type "autos" owned by the insured, including any private passenger type that may be acquired after the policy begins.

 

4 = Owned "Autos" Other Than Private Passenger "Autos" Only

This symbol covers all "autos" other than private passenger type "autos" (vans, trucks, motorized equipment) owned by an insured, including such vehicles that may be acquired after the policy begins. The symbol also applies to any "trailer" while it is towed by an owned vehicle.

 

5 = Owned "Autos" Subject To No-Fault

Any "auto" owned by an insured that is garaged or licensed in a state where no-fault benefit laws exist. This symbol also applies to any "auto" acquired after the policy begins.

 

6 = Owned "Autos" Subject To A Compulsory Uninsured Motorist Law

Any "auto" owned by an insured that is garaged or licensed in a state where drivers are required to carry uninsured motorist coverage. This symbol also applies to any "auto" acquired after the policy begins.

 

7 = Specifically Described "Autos"

Only those "autos" that are specifically listed on the policy are covered. The symbol also applies to any "trailer" while it is towed by a listed vehicle.

 

8 = Hired "Autos" Only.

This symbol covers only those "autos" that an insured leases, hires, rents, or borrows. HOWEVER, it does NOT include "autos" leased, hired, rented, or borrowed from an employee, partner, or member of an insured’s household.

 

9 = Nonowned "Autos" Only

This symbol covers only those "autos" an insured does not own, lease, hire, rent, or borrow that are used in the insured’s business, including "autos" owned by employees, partners, or members of an insured’s household, but only while those non-owned "autos" are used either in the insured’s business or personal affairs.

 

19 = Mobile Equipment Subject To Compulsory Or Financial Responsibility Or Other Motor Vehicle Insurance Law Only

This symbol only applies to land vehicles that are considered mobile equipment under the policy's mobile equipment definition. It allows extension of coverage for vehicles in states that confer vehicle status by making certain types of self-powered equipment subject to registration/licensing law.

See part 2 for discussion of physical damage and manuscript auto symbols


COPYRIGHT: Insurance Publishing Plus, Inc. 2017

All rights reserved. Production or distribution, whether in whole or in part, in any form of media or language; and no matter what country, state or territory, is expressly forbidden without written consent of Insurance Publishing Plus, Inc.

 

 

Commercial Auto Symbols – Part 2


See part 1 for opening discussion on purpose and on Liability Auto Symbols.

Physical Damage Coverage Auto Symbols

 

1 = Owned "Autos" Only

This symbol covers any "auto" owned by an insured, including any "auto" that is acquired after the policy begins.

 

2 = Owned Private Passenger "Autos" Only

This symbol covers only private passenger type "autos" owned by the insured, including any private passenger type that may be acquired after the policy begins.

 

3 = Owned "Autos" Other Than Private Passenger "Autos" Only

This symbol covers all "autos" other than private passenger type "autos" owned by the insured, including any "autos" other than any private passenger type that may be acquired after the policy begins.

 

4 = Specifically Described "Autos"

Only those "autos" that are specifically listed on the policy are covered. The symbol also applies to any "trailer" while it is towed by a listed vehicle.

 

5 = Hired "Autos" Only

This symbol covers only those "autos" that an insured leases, hires, rents, or borrows, unless the "auto" is leased, hired, rented, or borrowed from an employee, partner, or member of the insured’s household.

 

Manuscript Symbols

 

     In some instances, a particular insurance company may agree to provide coverage for a vehicle or ownership situation that is not described in the above symbols. When this occurs, a special symbol, such as 10 for liability or 7 for physical damage coverage, is used and added to the policy by an endorsement. The endorsement must contain a complete explanation/description of what the symbol means. Then, that number must appear next to the applicable coverage(s).

     If you have a question about any of these symbols or how coverage applies under your policy, the answers lie with the nearest insurance professional. Call them; they’re eager to help you understand your protection.


COPYRIGHT: Insurance Publishing Plus, Inc. 2017

All rights reserved. Production or distribution, whether in whole or in part, in any form of media or language; and no matter what country, state or territory, is expressly forbidden without written consent of Insurance Publishing Plus, Inc.

Amboy - Main Office

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P.O. Box 67 Fairmount, IN 46928

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Mon: 8:30 AM - 5:00 PM
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Flora, IN 46929

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209 West Washington Street

Hartford City, IN 47348

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3833 South LaFountain Street

P.O. Box 6339 Kokomo, IN 46904

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3904 Regal Valley Dr

Lafayette, IN 47909

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Marion Office

153 East 3rd Street

Marion, IN 46952

Main office: 765-662-2010
Toll free: 800-688-3548
Fax: 765-662-2072

Office Hours:

Mon: 9:00 AM - 5:00 PM
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Peru Office

26 West Main Street

Peru, IN 46970

Main office: 765-473-4519
Fax: 765-473-4510

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Mon: 9:00 AM - 4:30 PM
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Fri: 9:00 AM - 4:30 PM
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Sun: Closed

Somerset Office

1 Main Street

P.O. Box 176 Somerset, IN 46984

Main office: 765-981-4944
Fax: 765-981-4116

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Mon: 9:00 AM - 5:00 PM
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Thurs: 9:00 AM - 5:00 PM
Fri: 9:00 AM - 5:00 PM
Sat: By Appointment
Sun: Closed

Swayzee Office

106 South Washington Street

P.O. Box 130 Swayzee, IN 46986

Main office: 765-922-4449
Fax: 765-922-4449

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Mon: 8:30 AM - 4:30 PM
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Thurs: 8:30 AM - 4:30 PM
Fri: 8:30 AM - 4:30 PM
Sat: By Appointment
Sun: Closed

Upland Office

50 East Berry Avenue

P.O. Box 537 Upland, IN 46989

Main office: 765-998-6053
Fax: 765-998-7083

Office Hours:

Mon: 8:30 AM - 4:30 PM
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Fri: 8:30 AM - 4:30 PM
Sat: By Appointment
Sun: Closed

Walton Office

112 North Depot Street

Walton, IN 46994

Main office: 574-626-2621
Fax: 574-626-2609

Office Hours:

Mon: 8:30 AM - 4:30 PM
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