If the investigation reveals an auto hacking incident has occurred, the endorsement will provide coverage to restore the auto's computer system to its level of operational capability that existed prior to the hacking. (Photo: Danny/Adobe Stock)
The electronic systems in vehicles today, while providing numerous conveniences to the driver and its occupants, also expose the vehicle owner or driver to sophisticated hackers who may be able to gain unauthorized access to the vehicle to control its functionality or get access to personal identifying information. The development of improved technology and autonomous capabilities increases the hacking risk, and commercial vehicles are apt to be the first to put newer technologies that offer autonomous features to use.
ISO recently filed a new endorsement, Auto Hacking Expense Coverage, CA 04 65 09 22, to address auto hacking expenses, with an optional add-on for ransom payments. While currently only private passenger types and light/medium trucks are eligible for the coverage, there is a possibility that ISO will expand the eligibility to include other vehicle types in the future. This article serves to highlight some coverages available in the endorsement and is not to be confused with an actual policy form analysis, which is available through our FC&S service.
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