Topics covered:
General information
“Your covered auto” redefined
Liability coverage
Coverage for damage to the named insured's auto
Limit of liability
Rating
Motor home endorsement

General Information

Only private passenger autos, pickup trucks, and vans are eligible for coverage under the personal auto question. Additionally, the vehicle must be owned by an individual or by a husband and wife who are residents in the same household. These criteria exclude a considerable range of vehicles, among them: motorcycles, motor homes, golf carts, dune buggies, and all-terrain vehicles. If eligible, such vehicles can be insured, under the rules and forms of Insurance Services Office (ISO), through a personal auto policy by attaching the miscellaneous type vehicle endorsement, PP 03 23, to the policy. This is especially convenient for insureds who own miscellaneous type vehicles in addition to private passenger cars, all of which can now be insured under the same policy.

The policy defines “miscellaneous type vehicle” as a motor home, motorcycle, or other similar type vehicle, all terrain vehicle, dune buggy, or golf cart. Consequently, the endorsement can be used for virtually any type of motor vehicle that meets other personal auto eligibility requirements—nonfleet risk, not owned by corporation or partnership (other than farm family), etc. One exception is snowmobiles, for which ISO has prepared a separate endorsement, see Snowmobile Endorsement. The miscellaneous type vehicle endorsement can be used to provide all of the usual coverages of the personal auto policy: liability, medical payments, uninsured motorists, collision, and other than collision coverage. The endorsement includes a schedule that must be completed with descriptions of the vehicles and premiums and limits of liability for each coverage.

The endorsement changes the general definition of “your covered auto” and a number of liability provisions of the regular personal auto policy. All other provisions of the personal auto policy remain intact and applicable to the insured miscellaneous vehicle. The provisions of the endorsement do not affect the coverage of the personal auto policy as it may apply to private passenger types insured in the same policy.