Truckers Coverage Form

October 2008

ISO Simplified-Language Form

Summary: Physical damage and liability insurance for truckers (persons or organizations “engaged in the business of transporting property by auto for hire”), including coverage of the specialized liability exposure created by trailer interchange agreements, is provided in the truckers coverage form of Insurance Services Office, CA 00 12 03 06. The truckers form replaces earlier methods of arranging equivalent coverage by means of a number of endorsements to the comprehensive or basic automobile policy. Like the business auto coverage form that replaced those earlier contracts, the ISO truckers coverage form features a simplified-language format.

In most respects, the words and phrases that make up the truckers form follow the language of the business auto coverage form (CA 00 01 03 06) and the motor carrier coverage form (CA 00 20 03 06). For example, the liability coverage insuring agreement on all the forms states that the insurer will pay all sums that the insured legally must pay as damages due to injury caused by an accident and resulting from the ownership, maintenance, or use of a covered auto. As befits its specialized purpose, however, the truckers form does alter certain provisions and adds other provisions to fit coverage more precisely to the loss exposures faced by for-hire carriers of property.

The following discussion centers, therefore, on the areas of the truckers form that are unique to that form. Provisions of the truckers coverage form not discussed in these pages are those that are identical to the corresponding provisions of the business auto form and the motor carrier coverage form.

Covered Autos

The truckers form makes use of a set of numerical symbols for designating which autos qualify as “covered autos,” just as the business auto and motor carrier forms do. The truckers symbols and the categories of vehicles they designate are as follows:

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