(October 2016)
INTRODUCTION
This comparison is a
brief summary. For more information, please see the detailed analyses for each
of these coverage forms.
Related Articles:
CA 00
01–Business Auto Coverage Form Analysis
CA 00 20–Motor
Carrier Coverage Form Analysis
FORMAT
CA 00 01–Business Auto
Coverage Form has five sections. CA 00 20–Motor Carrier Coverage Form has six.
The additional section is Trailer Interchange Coverage. This comparison follows
the Business Auto Coverage Form and addresses Trailer Interchange Coverage
last.
SECTION I–COVERED AUTOS
Description of Covered Auto Designation Symbols
Both coverage forms open
with a description of covered auto designation symbols. The definitions in both
forms are similar but several definitions in the Motor Carrier Coverage Form
are unique.
|
Symbol
Comparison
|
|
Symbol Meaning
|
CA 00 01–Bus. Auto
|
CA 00 20–Motor
Carrier
|
|
Any Auto
|
1
|
61
|
|
Owned Autos Only
|
2
|
62
|
|
Owned Private Passenger
Autos Only
|
3
|
63
|
|
Owned Autos Other Than
Private Passenger Autos Only
|
4
|
N/A
|
|
Owned Autos Subject To
No-Fault
|
5
|
65
|
|
Owned Autos Subject To
Compulsory Uninsured Motorists Law
|
6
|
66
|
|
Specifically Described
Autos
|
7
|
67
|
|
Hired Autos Only
|
8
|
68
|
|
Non-Owned Autos Only
|
9
|
71
|
|
Mobile Equipment
Subject To Compulsory Or Financial Responsibility Or Other Motor Vehicle
Insurance Law Only
|
19
|
79
|
|
Owned Commercial Autos
|
N/A
|
64
|
|
Trailers of Others In
The Named Insured's Possession Under A Written Trailer Or Equipment
Interchange Agreement
|
N/A
|
69
|
|
Owned Trailers In The
Possession Of Others Under A Written Trailer Interchange Agreement
|
N/A
|
70
|
Owned Autos You Acquire After the Policy Begins
These
symbols determine if coverage applies to newly acquired autos.
·
Business Auto Coverage Form symbols1, 2, 3, 4,
5, 6, and 19 extend coverage to similar autos the named insured acquires during
the policy term. Symbol 7 extends coverage to similar autos acquired during the
policy term if all owned vehicles are scheduled and insured, or if the
acquisition replaces one of them and the named insured notifies the insurance
company of the acquisition within 30 days of the acquisition date.
·
Motor Carrier Coverage Form symbols 61, 62, 63,
64, 65 and 66 extend coverage to similar autos the named insured acquires
during the policy term. Symbol 67 extends coverage to similar autos acquired
during the policy term if all owned vehicles are scheduled and insured, or if
the acquisition replaces one of them and the named insured notifies the
insurance company of the acquisition within 30 days of the acquisition date.
Certain Trailers, Mobile Equipment and Temporary Substitute Autos
This section is identical
in both coverage forms.
SECTION II–LIABILITY COVERAGE
Coverage
This section is identical
in both coverage forms.
Who Is an Insured
This section is
considerably different in the two coverage forms and is one reason that motor
carriers need a unique form. The Motor Carrier Coverage Form changes several of
the groups identified as insureds under the Business Auto Coverage Form. The
owner of a hired or borrowed vehicle is an insured if the vehicle is used in
the named insured’s motor carrier business. If the vehicle is a trailer and is
attached to a covered power unit, the trailer’s owner is also an insured.
Parties not included as insureds are:
- Motor carriers that meet their financial
responsibility obligations in ways other than auto liability insurance
- Motor carriers that do not provide primary insurance
for hired autos used exclusively in their businesses under written
contracts or agreements that protect the vehicle owner on a primary basis
- Rail, water and air carriers, their employees and
agents, excluding the named insured and its employees, for a trailer if
bodily injury or property damage takes place when it is not attached to a
covered auto being used for transportation, loading or unloading
Coverage Extensions
This section is identical
in both coverage forms.
Note: The Out Of
State provisions are similar except that CA 00 20 states that this extension
does not extend to meet any state or federal motor carrier requirements.
Exclusions
This section is identical in both coverage forms.
Limit of Insurance
This section is identical
in both coverage forms.
SECTION III–PHYSICAL DAMAGE COVERAGE
Note: This is
Section IV in the Motor Carrier Coverage Form.
Coverage
This section is identical
in both coverage forms, other than a difference in the order of the exclusions
and that the Motor Carrier Coverage Form excludes covered autos in the
possession of others under a written trailer interchange agreement.
Limit of Insurance
This section is identical
in both coverage forms.
Deductible
This section is identical
in both coverage forms.
SECTION IV–BUSINESS AUTO CONDITIONS
Note: This is
Section V–Motor Carrier Conditions in the Motor Carrier Coverage Form.
Loss Conditions
This section is identical
in both coverage forms.
General Conditions
This section is identical
in both coverage forms except that the other insurance provisions are
different. Each has a different approach to vehicles hired to or hired from
others and also to vehicles subject to trailer interchange coverage.
SECTION V–DEFINITIONS
Note: This is
Section VI in the Motor Carrier Coverage Form.
This section is identical
in both coverage forms except that the Motor Carrier Coverage Form has
definitions for:
- Private passenger type
- Motor Carrier
In addition, the Motor
Carrier Coverage Form adds containers to the definition of trailers with
respect to Trailer Interchange Coverage.
SECTION AVAILABLE ONLY IN THE MOTOR CARRIER COVERAGE FORM
Section III–Trailer Interchange Coverage
This section is in only
the Motor Carrier Coverage Form. It provides Physical Damage Coverage on
non-owned trailers. It has its own coverage extensions, exclusions, limits of
insurance and deductible.
This coverage can be
added to the Business Auto Coverage Form by attaching CA 23 30–Motor Carrier
Endorsement.
Related Article:
CA 23 30–Motor Carrier Endorsement
