Personal Auto PolicyQuestion 417 of 474
Damage to the insured's own auto is excluded under Part D while that auto is being used:
a.To tow a small utility trailer to a dump
b.On a long trip outside the home county
c.In a share-the-expense car pool trip
d.To carry persons or property for a fee
Explanation
Physical damage is excluded while the auto is used as a public or livery conveyance, meaning carrying people or goods for hire. A share-the-expense car pool is expressly carved out of that exclusion, so commuters splitting fuel costs keep their coverage. Distance driven and towing a small trailer do not suspend Part D.
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Related questions on this topic
- Which vehicle qualifies as a non-owned auto for Part D purposes?
- The transmission on the insured's car fails from age and the repair bill is $3,600. Deductibles are $500 collision and $250 other than collision. Part D pays:
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