Personal Auto Policy—Part D-Archive

Includes copyrighted material of Insurance Services Office, Inc., with its permission.

June 2016

Coverage for Damage to Your Auto

Summary: Part D of the personal auto policy is the policy’s physical damage portion, entitled “coverage for damage to your auto.” This part of the policy provides comprehensive insurance and collision insurance on covered autos. Transportation expenses coverage is provided as a supplementary payment after a collision or other than collision loss, without additional charge. Coverage for additional rental reimbursement, towing and labor costs, and miscellaneous property such as tapes, CDs, and records or electronic property not installed in the location provided by the auto manufacturer can be arranged by endorsement.

Topics covered: Insuring agreement

Transportation expenses

Exclusions

Limit of liability—payment of loss

No benefit to bailee

Other sources of recovery—appraisal

Insuring Agreement

We will pay for direct and accidental loss to “your covered auto” or any “nonowned auto,” including their equipment, minus any applicable deductible shown in the Declarations. If loss to more than one “your covered auto” or “nonowned auto” results from the same “collision,” only the highest applicable deductible will apply. We will pay for loss to “your covered auto” caused by:

1.     Other than “collision” only if the Declarations indicate that Other Than Collision Coverage is provided for that auto.

2.     ”Collision” only if the Declarations indicate that Collision Coverage is provided for that auto.

If there is a loss to a “nonowned auto”, we will provide the broadest coverage applicable to any “your covered auto” shown in the Declarations.

Analysis