We have an agent who feels a combine is not a vehicle and thus there is coverage when his insured backed his combine into the barn. If we agree that the combine is a vehicle, can the named peril vehicle exclusion apply then? This is on an AAIS FO -6 Ed 1.0 form.
Kansas Subscriber
The policy does not define vehicle — therefore a court would refer to a common dictionary definition. Merriam Webster online defines vehicle as: a means of carrying or transporting something; planes, trains and other vehicles such as a ) motor vehicle b) a piece of mechanized equipment. Therefore, a combine is a vehicle, and there is no coverage for the insured backing his combine into his barn.
This premium content is locked for FC&S Coverage Interpretation Subscribers
Enjoy unlimited access to the trusted solution for successful interpretation and analyses of complex insurance policies.
- Quality content from industry experts with over 60 years insurance experience, combined
- Customizable alerts of changes in relevant policies and trends
- Search and navigate Q&As to find answers to your specific questions
- Filter by article, discussion, analysis and more to find the exact information you’re looking for
- Continually updated to bring you the latest reports, trending topics, and coverage analysis
Already have an account? Sign In Now
For enterprise-wide or corporate access, please contact our Sales Department at 1-800-543-0874 or email [email protected]