The 3-digit primary classifications are determined as follows: Radius in Miles Non-Fleet Codes Fleet Codes 0 — 50 Local 51 — 200 Intermediate Over 200 Long Distance 585 586 5879 588 589 5809 Note that the complete 4-digit class code is given for vehicles with radius over 200 miles, and the secondary class code for these is always 9. Leasing or Rental Concerns Rule 75 -Concerns which lease or rent autos to others without drivers. Chapter 2 Business Auto Coverage Form Educational Objectives Upon completion of this section, you should be able to: Identify a Commercial Automobile policy and its contents. Contingent Coverage takes a class code of 7219; Second Level Coverage takes a class code of 7040. In that case, use the lower-rated class.
Subcommittee Subcommittee Title Published standards Standards under development Data communication Electrical and electronic components and general system aspects Vehicle dynamics and chassis components Propulsion, powertrain and powertrain fluids Lighting and visibility Safety and impact testing Electrically propelled vehicles Motorcycles and mopeds Ergonomics Specific aspects for light and heavy commercial vehicles, busses and trailers Specific aspects for gaseous fuels. The liability premium for a car is typically based on a flat charge. Glass breakage and loss caused by such perils as falling objects, earthquake, or colliding with a bird or animal are usually specified as not being caused by collision. All Other School Buses, including independent contractors, private schools and church-owned school buses. For example, suppose an extra-heavy garbage truck and a pickup truck are both traveling at the same speed. Secondary Factor to Be Combined With Primary Factor Code to Be Inserted in 4 th Digit of Classification Code Liability Factor Physical Damage Factor Seating Capacity School Buses and Church Buses Other Buses All Buses 1 to 8.
Classify the auto with the 5 and 4-digit classification applicable to the lessee. The 3-digit primary classifications are determined as follows: Radius in Miles Non-Fleet Codes Fleet Codes 0 — 50 Local 51 — 200 Intermediate Over 200 Long Distance 525 526 5279 528 529 5209 Note that the complete 4-digit class code is given for vehicles with radius over 200 miles, and the secondary class code for these is always 9. Consequently, the premiums charged for physical damage coverage decline from year to year. Taxicabs or Similar Passenger Carrying Service - Metered or unmetered auto with seating capacity of 8 or less that is operated for hire but do not pick up, transport or discharge passengers along a route. Application - These classifications and codes, but not the rating factors, apply to zone-rated autos.
This section will also define some of the terms used in the policy, i. The van is used within a 20-mile radius and seats 8 passengers. There are eight vehicle class codes. Most of them are obvious, such as war, radioactivity, wear and tear, freezing and mechanical breakdown. Auto Body Manufacturers and Installers Rule 67 - This classification applies to the automobile exposure generated by the testing and delivery of automobiles it manufactures, assembles, rebuilds or repairs. A large truck is also more likely than a small one to cause severe injuries to passengers.
In the above example, the garbage truck is more likely than the pickup truck to injure passengers in the private passenger vehicle. The 3-digit primary classifications are determined as follows: Radius in Miles Non-Fleet Codes Fleet Codes 0 — 50 Local 51 — 200 Intermediate Over 200 Long Distance 555 556 5579 558 559 5509 Note that the complete 4-digit class code is given for vehicles with radius over 200 miles, and the secondary class code for these is always 9. Each rating territory has characteristics that set it apart from the others. There are 4 similar vehicles in the business. Class one is used for 1 to 2 axle passenger vehicles such as normal cars, vans or motorcycles. On any given workday, you may have employees on the road operating a variety of vehicles.
These vehicles take their own distinctive 4-digit class codes, and appear on the policy less frequently than their 5-digit counterparts. Golfmobiles Rule 73 - Motorized carts used to carry golfers and their equipment over a golf course. The primary and secondary classification codes are indicated below. Secondary Classifications These classifications do not apply to taxicabs, limousines except airport limousines , van pools and zone-rated autos. Also non-fleets and fleets take similar primary class codes. The 3-digit primary classifications are determined as follows: Radius in Miles Non-Fleet Codes Fleet Codes 0 — 50 Local 51 — 200 Intermediate 515 516 518 519 A 1-digit secondary classification code based on the seating capacity is assigned to each Urban Bus. Note that the rating territory is unrelated to the policy.
Similarly, one territory may have a higher rate of than another. It is intended solely for our website users. Motorcycles Rule 77 - Motorcycles, motor scooters, motorbikes and any other similar autos used for commercial purposes. These units should be covered by the Commercial Automobile Coverage Form for liability and physical damage. Please take time to tell your agent everything your operations include so correct classification my be applied. Radius in Miles Non-Fleet Codes Fleet Codes 0 — 50 Local 51 — 200 Intermediate Over 200 Long Distance 4259 4269 4279 4289 4299 4209 Example: A company owning 4 limousines and renting them for weddings within a 50-mile radius is classified as 4259.
The Service use class is basically limited to contractors, and to business concerns providing installation, since these uses present reduced over the road exposure. There must be dual brakes to qualify as dual control. There must be dual brakes to qualify as dual controls. If the bus were to be used to transport other professional athletes, musicians or entertainers, classify as a Charter Bus. Auditors are rarely required to adjust this type of insurance unless their company adjusts Reporting Forms. We can also write Dry Vans; Reefer no swinging meat ; Flatbed no coiled steel on accounts less than 15 units and no long haulers ; Tanker if the account requires pollution release coverage, we will require that the insured obtain a seal policy. At the bottom of each quick quote form you can indicate the urgency of your request.
The Age Groups are: 1 - current model year 2 - first preceding model year 3 - second preceding model year 4 - third preceding model year 5 - fourth preceding model year 6 - all other autos The current model year changes October 1, regardless of the actual date the models are introduced. This is a key feature of the provisions since each symbol represents the legal relationship between the insured, the insured auto, and the type of coverage provided to the insured auto. The insurance companies employ actuaries who can devise a rate for a particular classification according to risk. Special types include motorcycles, motorbikes, snowmobiles and other similar motor vehicles. If Frieda's truck traveled between 51 and 200 miles, it would have an intermediate radius. Thus, as the size gross vehicle weight of a truck increases, the rate charged for liability coverage increases as well.
Here the secondary classification code is the same as for school buses, church buses, etc. Law Enforcement Agencies Rule 74 -Autos used by government law enforcement agencies or police departments. If a business does not produce finished products or completed work, it does not need this second class code, and the first class code is therefore the only one applied to that business. The factor increases as the limit increase. Registration Plates Not Issued for a Specific Auto Rule 78 - This classification is for those concerns, other than automobile dealers, that have registration plates not issued to be attached to any one automobile. Sightseeing Buses - Autos accepting individual passengers for a fare for sightseeing or guided tours, making occasional stops at certain points of interest and returning the passengers to the point of origin.