COMPARE: CA 00 01–BUSINESS AUTO COVERAGE FORM 10 13 EDITION TO THE 03 10 EDITION

(October 2022)

INTRODUCTION

The Insurance Services Office (ISO) introduced the 10 13 general revision to the Commercial Auto coverage forms and endorsements.

The major changes to this edition are the following:

1. Introduction of the Auto Dealers Coverage Forms
2. Removal of the Garage Coverage Forms
3. Removal of Business Auto Physical Damage Coverage Forms

Related Articles:

Auto Dealers Coverage Form Analysis

Auto Dealers/Garage Coverage Archive

Business Auto Physical Damage Archive

The minor changes to this edition are the following:

• Most endorsements revised to reflect the addition of the Auto Dealers Coverage Form and the elimination of the Garage and/or the Auto Physical Damage Coverage Forms.
• Liability Coverage Changed to Covered Autos Liability Coverage
• Physical Damage Limits of Insurance section change
• Policy period, coverage territory change
• Minor capitalization and grammar changes

Related Articles:

CA 00 01–Business Auto Coverage Form Analysis

ISO Business Auto Coverage Form Available Endorsements and Their Uses

CHANGES IN CA 00 01

Covered Autos Liability

Liability Coverage is changed to Covered Autos Liability Coverage. This change occurs not only in the coverage title but also throughout the coverage form and endorsement, with all references to Liability Coverage being changed to Coverage Autos Liability Coverage.

This change is important because of the many-shared endorsements. When an endorsement that is attached to a Business Auto Policy refers to Liability Coverage it is obvious that it refers to Covered Autos Liability. However, when that same endorsement is attached to an Auto Dealers Coverage Form and refers to Liability Coverage, the endorsement could be referring to the Covered Autos Liability or to the General Liability Coverages Liability. Having a consistent manner of addressing only the auto liability makes it much easier to address common concerns.

Physical Damage Limits of Insurance

• The most paid wording is changed to apply to loss to “any covered auto” instead of “any one accident.” This applies to loss other than electronic equipment.
• The most paid wording is changed to apply to “any one loss” instead of “any one accident.” This applies to loss of electronic equipment.
• The electronic equipment description is changed slightly.

Policy Period, Coverage Territory

The requirement that any suit to pay damages must be brought in the United States of America, its territories and possessions, Puerto Rico or Canada is changed to apply at all times.