Insurance Bap

Front 1

BAP Vehicle Symbols
1

Back 1

Any "Auto"

Front 2

BAP Vehicle Symbols
2

Back 2

Owned "Autos"Only

Only those "autos" you own (and for Liability Coverage any "trailers" you don't own
while attached to power units you own). This includes those "autos" you acquire
ownership of after the policy begins.

Front 3

BAP Vehicle Symbols
3

Back 3

Owned Private Passenger "Autos" Only

Only the private passenger "autos" you own. This includes those private passenger
"autos" you acquire ownership of after the policy begins.

Front 4

BAP Vehicle Symbols
4

Back 4

Owned "Autos" Other Than Private Passenger "Autos" Only

Only those "autos" you own that are not of the private passenger type (and for Liability
Coverage any "trailers" you don't own while attached to power units you
own). This includes those "autos" not of the private passenger type you acquire
ownership of after the policy begins.

Front 5

BAP Vehicle Symbols
5

Back 5

Owned "Autos" Subject To No-
Fault

Only those "autos" you own that are required to have No-Fault benefits in the state
where they are licensed or principally garaged. This includes those "autos" you acquire
ownership of after the policy begins provided they are required to have No-
Fault benefits in the state where they are licensed or principally garaged.

Front 6

BAP Vehicle Symbols
6

Back 6

Owned "Autos" Subject To A
Compulsory Uninsured Motorists Law

Only those "autos" you own that because of the law in the state where they are licensed
or principally garaged are required to have and cannot reject Uninsured
Motorists Coverage. This includes those "autos" you acquire ownership of after the
policy begins provided they are subject to the same state uninsured motorists requirement.

Front 7

BAP Vehicle Symbols
7

Back 7

Specifically Described
"Autos"

Only those "autos" described in Item Three of the Declarations for which a premium
charge is shown (and for Liability Coverage any "trailers" you don't own while
attached to any power unit described in Item Three).

Front 8

BAP Vehicle Symbols
8

Back 8

Hired "Autos" Only

Only those "autos" you lease, hire, rent or borrow. This does not include any "auto"
you lease, hire, rent, or borrow from any of your "employees", partners (if you are a
partnership), members (if you are a limited liability company) or members of their
households.

Front 9

BAP Vehicle Symbols
9

Back 9

Non owned "Autos" Only

Only those "autos" you do not own, lease, hire, rent or borrow that are used in connection
with your business. This includes "autos" owned by your "employees", partners
(if you are a partnership), members (if you are a limited liability company), or
members of their households but only while used in your business or your personal
affairs.

Front 10

Accident

Back 10

An unforeseen and unplanned event on the part of the insured.

Front 11

Appraisal

Back 11

The process by which the amount of physical damage loss on a covered auto is decided.

Front 12

Collision

Back 12

The covered auto’s collision with another object or its overturn.

Front 13

Comprehensive Coverage

Back 13

Any cause of loss except collision.

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Concealment, Misrepresentation Or Fraud

Back 14

Actions on the part of the insured that allow the insurer to void coverage.

Front 15

Coverage Territory

Back 15

The U.S., its territories and possessions, Puerto Rico, and Canada.

Front 16

Covered Pollution Cost Or Expense

Back 16

Any cost or expense arising out of any request, demand or order demanding that the insured cleanup or respond to the effects of pollutants.

Front 17

Deductible

Back 17

The amount that the insured is responsible for in the event of a loss.

Front 18

Designated Insured

Back 18

A certain person or organization scheduled as an insured on an endorsement for liability coverage.

Front 19

Designation Symbol

Back 19

Any of nine numerical symbols used on the BAP to designate a covered auto.

Front 20

Diminution In Value

Back 20

The loss of value for a damaged auto after that vehicle has been repaired.

Front 21

Direct Loss

Back 21

Auto physical damage loss that does not include loss of use of the auto.

Front 22

Drive Other Car Coverage

Back 22

Insurance coverage for the driver of an auto that is not owned by either the driver or the named insured.

Front 23

Drive-Away Contractors

Back 23

An individual or company hired by an auto dealer to drive cars from point A to point B.

Front 24

Duties Of The Insured

Back 24

The list of steps the insured must take after a claim or loss to assist the insurer in settling the claim or loss.

Front 25

Exclusion

Back 25

Sets out certain circumstances under which liability coverage is precluded.

Front 26

Hired Autos

Back 26

Autos that the named insured leases, hires, rents, or borrows.

Front 27

Insured

Back 27

Any person or organization qualifying as an insured in the who is an insured clauses of the BAP.

Front 28

Leased Worker

Back 28

A person leased to the named insured by a labor leasing firm.

Front 29

Limit Of Insurance

Back 29

The most the insurer will pay for the total of all damages and covered pollution cost or expense combined.

Front 30

Loss

Back 30

Direct and accidental loss or damage to a covered auto.

Front 31

Nonowned Autos

Back 31

Autos that the named insured does not own, lease, hire, rent, or borrow that are used in connection with the named insured’s business.

Front 32

Other Insurance

Back 32

Coverage for the covered auto on another insurance policy.

Front 33

Pollutant

Back 33

Any solid, liquid, gaseous, or thermal irritant or contaminant.

Front 34

Private Passenger Auto

Back 34

A four-wheel auto of the private passenger or station wagon type, including a pickup, panel truck, or van not used for business.

Front 35

Property Damage

Back 35

Damage to or loss of use of tangible property, in contrast to the direct loss definition.

Front 36

Rolling Store

Back 36

A vehicle used as a mobile snack bar or lunch van, bringing products to customers.

Front 37

Snowmobile

Back 37

A land motor vehicle that is designed for use on ice and snow and mainly off public roads.

Front 38

Subrogation

Back 38

A right of the insurer to recover damages from another if the insurer has paid those damages for a covered loss.

Front 39

Supplementary Payments

Back 39

Payments made by the insurer in addition to the limit of insurance.

Front 40

Temporary Substitute Auto

Back 40

An auto not owned by the named insured while used as a temporary substitute for a covered auto owned by the named insured that is out of service.

Front 41

Temporary Transportation Expenses

Back 41

Expenses incurred by the insured to rent or borrow a car because the covered auto has been stolen.

Front 42

Temporary Worker

Back 42

A worker furnished to the named insured for a finite time period to supplement the regular workforce under special work situations.

Front 43

Some of the insured’s duties in the event of an Auto loss include:

Back 43

• giving the insurer prompt notice of the accident or loss,
• immediately sending copies of notices or legal papers to the insurer,
• cooperating with the investigation of the claim and defense against the suit,
• assuming no obligations and making no payments without the insurer's consent,
• promptly notifying the police if the covered auto is stolen,
• taking all reasonable steps to protect the covered auto from further damage, and
• permitting the insurer to inspect the covered auto proving the loss before its repair.