COMMERCIAL LINES 101 CE (ACTUAL 2025)
QUESTIONS AND VERIFIED ANSWERS
Insurer
The insurance company
Named Insured/Insured
The policyholder
The Four Elements of Negligence
A duty owed to a plaintiff, an unintentional breach of that
duty by the defendant, an injury or damage suffered by the
plaintiff, and a sufficient causal connection between the
defendants unintentional negligence and the plaintiffs injury
of damage
Underinsured Motorist Coverage
Designed to more fully protect an insured in a not at fault
accident when the tortfeasor's limits of liability have been
exhausted
Commercial Auto Coverage Symbols
,Any auto, owned autos only, owned private passenger autos
only, owned autos other than private passenger autos only,
owned autos subject to no fault, owned autos subject to a
compulsory uninsured motorists law, specifically described
autos, hired autos only, nonowned autos only, mobile
equipment, custome symbol
Any Auto
Any auto, whether owned, nonowned, or hired, is considered
a covered auto
Owned Autos Only
All autos owned at the beginning of the policy period,
plus any owned autos acquired during the policy period
Owned Private Passenger Autos Only
All private passenger autos owned by the insured business,
plus any such autos acquired during the policy period
BAP Elements of a Covered Loss
,Bodily injury or property damage resulting from the
ownership, maintenance, or use of a covered auto; bodily
injury or property damage is caused by an accident; the
insured is legally liable for the loss
BAP Definition of Insured
The named insured, permissive users, and anyone liable for
the conduct of an insured
The Named Insured
Enjoys the broadest scope of coverage of the three classes of
insureds, with coverage for the use of any covered auto
Permissive Users
Includes most persons while using the named insured's
covered auto with the named insured's persmission
Liability Exclusions BAP
Expected or intended injury or damage, contractual liability
exclusion, owned property/care, custody, or control, mobile
equipment exlusions, pollution
, Motor Carrier Policy
Designed to provide commercial auto insurance for entities
that transport goods, materials, or commodities
Types of Motor Carriers or Trucking Companies
Private, for hire, or a combination of both types of operations
Private Carrier
Provides truck transportation of its own cargo, usually as a
part of a business that produces, uses, sells and/or buys the
cargo being hauled
For Hire Carrier
A company that provides truck transportation of cargo
belonging to other and is paid for doing so
Auto Dealers Policy
QUESTIONS AND VERIFIED ANSWERS
Insurer
The insurance company
Named Insured/Insured
The policyholder
The Four Elements of Negligence
A duty owed to a plaintiff, an unintentional breach of that
duty by the defendant, an injury or damage suffered by the
plaintiff, and a sufficient causal connection between the
defendants unintentional negligence and the plaintiffs injury
of damage
Underinsured Motorist Coverage
Designed to more fully protect an insured in a not at fault
accident when the tortfeasor's limits of liability have been
exhausted
Commercial Auto Coverage Symbols
,Any auto, owned autos only, owned private passenger autos
only, owned autos other than private passenger autos only,
owned autos subject to no fault, owned autos subject to a
compulsory uninsured motorists law, specifically described
autos, hired autos only, nonowned autos only, mobile
equipment, custome symbol
Any Auto
Any auto, whether owned, nonowned, or hired, is considered
a covered auto
Owned Autos Only
All autos owned at the beginning of the policy period,
plus any owned autos acquired during the policy period
Owned Private Passenger Autos Only
All private passenger autos owned by the insured business,
plus any such autos acquired during the policy period
BAP Elements of a Covered Loss
,Bodily injury or property damage resulting from the
ownership, maintenance, or use of a covered auto; bodily
injury or property damage is caused by an accident; the
insured is legally liable for the loss
BAP Definition of Insured
The named insured, permissive users, and anyone liable for
the conduct of an insured
The Named Insured
Enjoys the broadest scope of coverage of the three classes of
insureds, with coverage for the use of any covered auto
Permissive Users
Includes most persons while using the named insured's
covered auto with the named insured's persmission
Liability Exclusions BAP
Expected or intended injury or damage, contractual liability
exclusion, owned property/care, custody, or control, mobile
equipment exlusions, pollution
, Motor Carrier Policy
Designed to provide commercial auto insurance for entities
that transport goods, materials, or commodities
Types of Motor Carriers or Trucking Companies
Private, for hire, or a combination of both types of operations
Private Carrier
Provides truck transportation of its own cargo, usually as a
part of a business that produces, uses, sells and/or buys the
cargo being hauled
For Hire Carrier
A company that provides truck transportation of cargo
belonging to other and is paid for doing so
Auto Dealers Policy
