Auto InsuranceQuestion 14 of 215
An interstate trucking company with 40 tractors hauls freight under its own DOT authority. The most appropriate ISO commercial auto form to address its exposures is the:
a.Personal Auto Policy with business-use endorsement
b.Garage Coverage Form
c.Business Auto Coverage Form without modification
d.Motor Carrier Coverage Form
Explanation
The Motor Carrier Coverage Form (CA 00 20) replaced the older Truckers Form and is designed for businesses that transport their own or others' property for hire. It incorporates required Federal Motor Carrier Safety Regulation endorsements such as MCS-90, addresses trailer interchange, and contemplates the unique liability exposures of for-hire trucking. The Business Auto Form is fine for non-trucking commercial fleets but does not have all the trucking-specific provisions.
Law Reference: ISO Motor Carrier Coverage Form (CA 00 20)Practice all 215 questions free — no signup required.
Related questions on this topic
- An insured backs out of his driveway and dents the rear bumper against a mailbox. Which Part D coverage pays for the damage to his car?
- When California UM bodily injury coverage is purchased without a written waiver, what is the minimum amount the insurer must offer?
- Which commercial auto coverage form is designed specifically for franchised and independent automobile dealers, including coverage for both the dealer's premises operations and the autos held for sale?
- A small consulting firm has its employees drive their own personal vehicles to client sites. Which Business Auto Coverage symbol should the firm assign to pick up liability for the firm arising out of an employee's use of his or her own car for business?
- A florist regularly rents box trucks during the holiday rush to make deliveries. Which Business Auto symbol most accurately picks up coverage on those rented trucks?
- How are physical damage losses normally settled under the Personal Auto Policy Part D?
Last reviewed: · editorial process
PrepPass Editorial Team · Verified against California Property & Casualty Insurance License Exam · How we review