Is a combine car a vehicle?
Coverage Q&A: What's considered a vehicle is not always straightforward.
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Question: We have an agent who feels a combine car is not a vehicle; thus, he believes coverage applies in the case of his insured backing his combine into a barn. If we agree that the combine car is a vehicle, can the named peril vehicle exclusion apply? The insured has an AAIS FO-6 Ed 1.0 form.
Analysis: What’s considered a vehicle is not always straightforward. An automobile is what most people think of when they think of a vehicle, but there are a lot of other types of vehicles that exist. There are also mobile machines that move like vehicles but are considered to be “equipment” for the purpose of an insurance policy. The difference between the two is often critical to coverage determination.
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