Discussions of all countrywide ISO endorsements help you tailor coverage
for specific needs.
Commercial Auto Insurance provides line-by-line interpretations
of policies and countrywide endorsements, plus manuscript wording
recommendations for tailoring coverage. In-depth discussions covering
business auto, garage, truckers, and motor carrier insurance are also
featured.
Includes samples of all the ISO countrywide and most state business auto,
garage, truckers, and motor carrier forms (current editions and some past
editions).
Commercial Auto Insurance covers these topics.
- State Motor Vehicle Laws
- State UM/UIM Laws
- State No-Fault Laws
- Auto Self-Insurance Statutes
- Business Auto Policies
- Auto Dealers Coverage Form
- Truckers/Motor Carrier Coverage Form
- Interline Forms
- Endorsements
- Hired, Borrow, and Non-Owned Auto Coverage Issues
- Rental Car Contracts and Coverage Issues
- Dealing with the Auto/Mobile Equipment Dilemma
- Coverage Checklists
Download
Table of Contents
Agents, Brokers, and Account Support Staff
- Obtain state-specific information on commercial and personal motor
vehicle regulations in seconds.
- Goes beyond basic policy interpretations to include discussions of
all countrywide ISO endorsements along with manuscript recommendations to
help you tailor coverage for specific needs.
- Provides third-party support to your recommendations for coverage
enhancements or concerns when questioning a claims denial on behalf of
your insured.
- Insight and resulting technical proficiency will reinforce your
insureds' and underwriters' trust and confidence in you.
Risk Managers, Financial Executives, & Insurance
Buyers
- Make informed decisions by understanding the options and implications
of uninsured and underinsured motorists insurance.
- Avoid expensive surprises by making sure you are in compliance with
individual state financial responsibility laws and requirements.
- Know what endorsements to request or require to avoid serious gaps in
coverage.
Underwriters
- Specifies exact wording required to reject UM/UIM coverage in those
states where such wording is regulated.
- Interpretations of standard endorsements (along with corresponding
endorsement numbers), recommended manuscript endorsements, and guidelines
on how each endorsement can or cannot be used in a given situation will
support your recommendations to agents and brokers.
- Explanations of provisions and related endorsements will support your
requests for exceptions from your underwriting manager.
- Detailed analysis helps you determine whether mobile equipment should
be insured in the auto policy or the CGL policy.
Claims Adjusters
- Quickly determine what unfamiliar policy provisions and endorsements
do and do not cover with the coverage interpretations.
- Use this information to support your decisions and explanations for
improved client relations.
- Get up to speed on the intent behind exclusions with which you have
not dealt before and how they may or may not apply to a particular
claim.
Attorneys
- Includes over 300 case citations.
- Current and historical ISO policy forms provide an invaluable
resource for litigation involving policy provisions.
- Demonstrate coverage best practices to the court to help you win your
agent/broker E&O cases.
- In absence of legal precedent, you'll have valuable insight to
what the policies do and do not cover. Since IRMI is a highly respected
research firm and has been quoted in critical court cases, our
interpretations carry a great deal of weight.
Consultants
- Know what endorsements to recommend for your client to avoid serious
coverage gaps.
- Make informed decisions by understanding the options and implications
of uninsured and underinsured motorists insurance.
Your purchase of Commercial Auto Insurance comes with
access to thousands of coverage-line-specific insurance forms and
endorsements promulgated by the Insurance Services Offices, Inc. (ISO),
and the American Association of Insurance Services (AAIS).
In addition, you will also get access to hundreds of ACORD forms
that have been approved for use in all 50 states and are accepted by
more than 1,000 companies. Using standard forms such as these increases
efficiency in insurance transactions. This InfoBase includes all the
ACORD forms in PDF files.
You will also get access to the Contractor's Guide to
OCIPs, a handy reference that provides guidance on 39 issues
contractors should consider when accepting coverage through a wrap-up
or controlled insurance program. This publication was prepared by the
OCIP Task Force of the AGC of America.