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Auto Liability

This type of claim pertains to damages arising out of an occurrence and arising out of the ownership, maintenance, or use, including loading and unloading, of any covered auto because of:

  • Bodily Injury, or
  • Property Damage

Specified Perils

This type of coverage provides for losses only caused by:

  • Fire or lightning
  • Smoke or smudge relating to faulty operation  of any fixed heating equipment
  • Stranding, sinking, burning, Collision, or derailment relating to transport of the vehicle
  • Theft or larceny
  • Windstorm, hail earthquake or explosion
  • Civil riot or commotion
  • The forced landing or falling of any aircraft or its parts or equipment
  • Malicious mischief or vandalism
  • Flood or rising waters
  • External discharge of leakage of water

Comprehensive

This is a Physical Damage loss from any cause, in addition to those listed in the Specified Perils, except Collision.  The following are examples covered under Comprehensive coverage. This list is not all-inclusive.  

  • Breakage of glass
  • Fire
  • Theft 
  • Windstorm
  • Hail 
  • Collision with an animal

Collision

This is a loss caused by collision of a covered auto with another object or with a vehicle. 

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Please consult your specific coverage document for additional information and clarification of the items listed above. This web page does not create or limit coverage.