The Mutual Service Office (MSO) is a national service provider for mutual and stock companies, providing statistical reporting, product development, forms, filings, actuarial and other services. This discussion focuses on the Commercial Auto Physical Damage Coverage Form MCA 012 11 14 for Pennsylvania. MSO has advised us that their Pennsylvania forms are the best to use for standard coverage discussions.

The form provides physical damage coverage for commercial auto exposures. Vehicles are designated by symbols, and defined terms are found at the end of the policy pages. A separate form, MCA 010 11 14 Commercial Auto Physical Damage Coverage Form is available as well, which covers both liability and physical damage coverage. This form is discussed in a separate article. 

Because of the depth of analysis, we are breaking the analysis into segments. This is Part 1. The other sections are analyzed separately as follows: