CISR-PERSONAL AUTO
EXPOSURES EXAM
Group A Exclusions: - 1. Intentional injury or damage caused by an
"insured"
2. "Property damage" to property owned or being transported by that
"insured"
3."Property damage" to property rented to, used by, or in the care of
that "insured"
4."Bodily injury" to an employee of that "insured" during the course
of employment
5. Ownership or operation of a vehicle being used as a public or livery
conveyance;
This exclusion (A.5.) does not apply to: a. A share-the-expense car
pool; or b. The ownership or operation of a vehicle while it is being
used for volunteer or charitable purposes.
6. While employed or engaged in an auto "business" for vehicles
designed for use mainly on public highways
7. "Business" use other than farming, ranching, or an auto related
"business" described in A.6
Using a vehicle without reasonable belief of entitlement
7. Maintaining or using any vehicle while that "insured" is employed
or otherwise engaged in any "business" (other than farming or
ranching) not described in Exclusion A.6.
, 8. Using a vehicle without a reasonable belief that that "insured" is
entitled to do so. This exclusion (A.8.) does not apply to a "family
member" using "your covered auto" which is owned by you.
9. Insured who is also an insured under a nuclear energy liability
policy
10. For the ownership, maintenance or use of "your covered auto"
Group B Exclusions - We do not provide Liability Coverage for the
ownership, maintenance or use of: 1. Any vehicle which: a. Has fewer
than four wheels; or b. Is designed mainly for use off public roads.
This exclusion (B.1.) does not apply:
(1) While such vehicle is being used by an "insured" in a medical
emergency;
(2) To any "trailer"; or
(3) To any non-owned golf cart.
2. Any vehicle, other than "your covered auto", which is: a. Owned by
you; or b. Furnished or available for your regular use.
Group B Exclusions cont... - B. We do not provide Liability Coverage
for the ownership, maintenance or use of: 1. Any vehicle which: a.
Has fewer than four wheels; or b. Is designed mainly for use off
public roads.
This exclusion (B.1.) does not apply: (1) While such vehicle is being
used by an "insured" in a medical emergency; (2) To any "trailer"; or
(3) To any non-owned golf cart.
EXPOSURES EXAM
Group A Exclusions: - 1. Intentional injury or damage caused by an
"insured"
2. "Property damage" to property owned or being transported by that
"insured"
3."Property damage" to property rented to, used by, or in the care of
that "insured"
4."Bodily injury" to an employee of that "insured" during the course
of employment
5. Ownership or operation of a vehicle being used as a public or livery
conveyance;
This exclusion (A.5.) does not apply to: a. A share-the-expense car
pool; or b. The ownership or operation of a vehicle while it is being
used for volunteer or charitable purposes.
6. While employed or engaged in an auto "business" for vehicles
designed for use mainly on public highways
7. "Business" use other than farming, ranching, or an auto related
"business" described in A.6
Using a vehicle without reasonable belief of entitlement
7. Maintaining or using any vehicle while that "insured" is employed
or otherwise engaged in any "business" (other than farming or
ranching) not described in Exclusion A.6.
, 8. Using a vehicle without a reasonable belief that that "insured" is
entitled to do so. This exclusion (A.8.) does not apply to a "family
member" using "your covered auto" which is owned by you.
9. Insured who is also an insured under a nuclear energy liability
policy
10. For the ownership, maintenance or use of "your covered auto"
Group B Exclusions - We do not provide Liability Coverage for the
ownership, maintenance or use of: 1. Any vehicle which: a. Has fewer
than four wheels; or b. Is designed mainly for use off public roads.
This exclusion (B.1.) does not apply:
(1) While such vehicle is being used by an "insured" in a medical
emergency;
(2) To any "trailer"; or
(3) To any non-owned golf cart.
2. Any vehicle, other than "your covered auto", which is: a. Owned by
you; or b. Furnished or available for your regular use.
Group B Exclusions cont... - B. We do not provide Liability Coverage
for the ownership, maintenance or use of: 1. Any vehicle which: a.
Has fewer than four wheels; or b. Is designed mainly for use off
public roads.
This exclusion (B.1.) does not apply: (1) While such vehicle is being
used by an "insured" in a medical emergency; (2) To any "trailer"; or
(3) To any non-owned golf cart.
