Towing and Labor, Wear and Tear

October 15, 2012

We have an insured with a Business Auto Coverage Form, CA 00 01 03 10. The insured reported a claim resulting from the tumbler in the ignition breaking causing his vehicle to become disabled. He called a locksmith who came to the vehicle and repaired it. The policy contains towing coverage of $50, which states that "We will pay up to the limit shown in the Declarations for towing and labor costs incurred each time a covered "auto" of the private passenger type is disabled. However, the labor must be performed at the place of disablement."