Auto liability policies cover damages the insured becomes legally obligated to pay arising from a covered auto. Commercial forms use symbols to designate which vehicles are covered, ranging from any auto to specifically scheduled vehicles.
Coverage typically includes a duty to defend and supplementary payments.
Alternative Names:
Automobile Liability, Commercial Auto Coverage
Why it Matters?
The covered auto symbols are where commercial auto coverage disputes originate, since a symbol limiting coverage to owned autos leaves hired and non-owned vehicles uninsured. In trucking and delivery operations the interaction between the motor carrier's policy, an owner-operator's non-trucking coverage, and any trailer interchange endorsement determines which policy responds, and that analysis should occur immediately after a serious loss.
Frequently Confused with
Related terms
Frequently asked questions
What do covered auto symbols do?
Which policy responds in a trucking loss?
