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We have an insured who was using the auto listed on the policy to deliver newspapers. The insured auto struck another vehicle. Insured was negligent for the loss.

Does the insured auto in this incident not fulfill the definition of a covered auto due to the fact that they were delivering newspapers? Does the PP 00 01 06 94 definition of a covered auto under J.2.a. and b.2 exclude both liability coverage and physical damage coverage when an auto is being used for deliveries, such as newspapers and pizza?

Ohio Subscriber

Presuming this vehicle is not a newly acquired vehicle, as long as the auto is a covered auto as scheduled in the Declarations, there is no exclusion to prevent liability coverage or physical damage coverage. The liability section of the policy does have an exclusion for using a vehicle in a business but that does not apply to the use of a private passenger auto or a van or pickup owned by the named insured. The same is true in the physical damage section. Now, the insurer may want to revise the premium based on the use of the vehicle, but the policy itself does not exclude coverage in your situation.

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