Car Insurance Terms and Definitions
Private Passenger Vehicles
Any gas or steam automobile with the private passenger type helpful for pleasure and/or business purposes, excepting renting and delivery work, or maybe the carrying of passengers for almost any consideration, as well as the business of demonstrating or testing,
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Any gas or steam vehicle in the private passenger type which has been altered in the attachment of a small box, or which can be with the so-called delivery sedan x or pick-up physical stature, and is also accustomed to permit artisans, mechanics, or contractors to move tools or materials, in order to permit salesmen to handle samples, excluding,however, wholesale or retail delivery.
Commercial Automobiles
Any automobile in the truck or delivery type used for the transportation or delivery of merchandise or merchandise as well as other business uses, including occasional pleasure use for your named assured’s family, however, not carrying of passengers for almost any consideration, as well as the business of demonstrating and testing.
Any automobile in the private passenger type which has been altered allowing the transportation of ,goods or merchandise for wholesale or retail delivery or any vehicle with the so-called delivery sedan or pick-up physical stature which is used for wholesale or retail delivery.
Within this class are also included hearses, invalid carriages, ambulances, fire department vehicles, fire patrol and salvage corps automobiles, industrial or plat form trucks, vacuum cleaning and street cleaning vehicles, tractors and farm tractors. Start comparing affordable car insurance rate
The phrase”Commercial Automobile” as used in this Manual relates to gasoline or steam Commercial Automobiles. The principles for Commercial Automobiles also interact with Electric Commercial Vehicles but the rates are susceptible to the reduction.
Public Vehicles
A “public” vehicle is any vehicle accustomed to carry passengers to get a consideration, including Private Livery vehicles, Public Livery automobiles, Taxicabs, Hotel mini buses, School Buses, Golf and Country Club Buses, Funeral Cars(excluding Hearses), Real-estate Dealers’ Buses and Driver less Cars. Start comparing online discounts Today!
Garages, Automobile Dealers and Manufacturers
This class embraces vehicles operated by public garages, vehicle sales agencies and repair stations, car manufacturers and car schools.
An insurance plan of auto insurance might be Policies issued to pay Public Liability, Property Damage and Collision; also Employers’ Liability on chauffeurs mixed up in good care of vehicles in those states where such chauffeurs do not come under: a Work men’s Compensation law, plan or agreement.
It truly is usual to want Public Liability to be carried every time and policies in many cases are drawn with Public Liability as a base which may be added by endorsement, or equivalent; one other coverages. All these features tend to be more particularly defined hereinafter.
Liability provide indemnity or insurance for your assured against loss by reason of his legal liability to others for bodily injuries accidentally sustained, including death anytime resulting therefrom, due to any accident due to ownership, maintenance or usage of any car described within the policy, provided such accident occur through the policy period and in side the limits with the continental USA (without Alaska, Hawaii, Porto Rico, Philippine Islands,Guam, Samoa, Canal Zone, Virgin Islands as well as other “possessions”)and Canada; subject to Employers’ Liability exception and also other exclusions. Example of auto insurance video.
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