Personal Auto PolicyQuestion 418 of 474
Under an unendorsed personal auto policy, custom furnishings or equipment in a pickup or van are:
a.Covered without any limit as part of the auto
b.Excluded unless coverage is added by endorsement
c.Covered up to the full value of the vehicle itself
d.Excluded even if an endorsement is later added
Explanation
Bars, special carpeting, height-extending roofs and custom murals in a pickup or van are excluded from Part D unless a custom equipment endorsement schedules them. Sound-reproducing equipment is treated the same way when it is not permanently installed in the auto. Saying no endorsement can restore the coverage is wrong, since insurers write the equipment back for extra premium.
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Related questions on this topic
- 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:
- A pothole shreds a tire on the insured's car. Under Part D the tire itself is:
- Damage to the insured's own auto is excluded under Part D while that auto is being used:
- An insured who has a personal auto policy also drives a company car available for regular use. Liability for that vehicle can be added by:
- After an auto accident, the duties condition in Part E requires the insured to:
- When the insured's covered auto is stolen, Part E specifically requires the insured to:
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