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 Part 2 of the analysis of 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.) This Part 2 covers Parts III A and III B of MCA 012 11 14, Main Physical Damage Coverages and Supplemental Coverages.

The other sections are analyzed separately as follows:

Part 1 – Common Glossary, Covered Auto Descriptions