Ask Regina

Q. Our insured was in a minor accident driving a U-Haul Ford F650. There was no reginadamage to the truck but there was damage to the other vehicle.

The carrier is referencing the definition of “your covered auto” in which it limits to 10,000 lbs (25,000 lbs by Texas amendatory endorsement) to deny coverage. Is this correct?

A. No, an insured is defined as you or any family member for the ownership, maintenance, or use of any auto or trailer.  The named insured and family members are provided the broadest possible coverage for covered autos and non-owned autos. If there is no exclusion that applies, these persons will be covered for anything that would meet the legal interpretation of the undefined word “auto.” This could include a vehicle of any size or description, as long as it has at least four wheels and is designed mainly for use on public roads.

The adjuster is referring to another part of the policy which has to do with coverage for a newly acquired auto and the automatic coverage provided. The gross vehicle weight applies to newly acquired autos, but this isn’t a newly acquired auto because it is not an auto that you become the owner of during the policy period. The insured was driving a non-owned auto.

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One Response to Ask Regina

  1. Jim Leach says:

    IN REGARD TO PROPERTY DAMAGE TO A THIRD PARTY’S PROPERTY (VEHICLE) DOES NOT THE LIABILITY COVERAGE ON THE VEHICLE INVOLVED (RENTAL TRUCK) PROVIDE THE PRIMARY RESPONSE? The operator’s personal auto policy should not be considered in this example.

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