Non-Ownership Automobile Liability

The foregoing plan is not applicable to commercial or public automobiles whether owned by employees or hired by the Named Assured or his employees. Coverage for such automobiles must be provided separately as indicated herein.

Commercial and public automobiles owned by employees of the Named Assured and used in his business should be insured in the name of the owner and the Named Assured, at the proper Manual rates for full and direct liability.

Non-Ownership Automobile Liability coverage for commercial and public automobiles is available only to an assured who contracts with independent persons, firms, or corporations for the use of such automobiles with drivers, where the complete control or supervision of such automobiles and drivers remains with the independent persons, firms or corporations and does not pass to the assured. All such risks shall be submitted to the company for rating with an application blank filled out and signed in ink by the assured. The coverage granted shall be for the Named Assured only and shall not apply to automobiles over which the assured may have control or supervision.

Foreign 20 A policy issued to cover cars in Continental Coverage United States (exclusive of Alaska, Hawaii,
Porto Rico, Philippine Islands, Guam, Samoa, Canal Zone, Virgin Islands and other “possessions”) and Canada may be extended to cover the operations of any insured car in any one of these excluded possessions of the United States or in any foreign country upon request to the company, and at an additional premium charge to be determined by the company.

This section contains specific rules relating to the insurance of Private Passenger automobiles. For definitions, coverages and general policy terms, see the General Rules Section; for rules applying not only to Private Passenger automobiles, but also to Commercial and Public automobiles, see the Miscellaneous Rules Section.

To ascertain the premiums for Public Liability (P.L.) and Property Damage (P.D.) for a Private Passenger automobile first refer to the List of Automobiles, appearing immediately after the Miscellaneous Rate Section of this Manual, in order to determine the P.L. and P.D. symbol applying to the car to be covered. Then refer to the Territory Sheets for individual states to ascertain the schedule number of the territory in which the automobile will be principally operated and garaged (territory schedules are designated by Roman numerals, thus—I, II, III, etc.). The proper rate will then be found i n the State Rate Sheet.

The premiums for Collision insurance may be ascertained in the same manner as the premiums for P.L. and P.D. It will be noted from the List of Automobiles that the Collision symbols are designated A to Q. Collision premiums are influenced by the age of the car. It will be necessary, therefore, to refer to the Miscellaneous Rate Section of the Manual in order to determine the age group definitions.

Electric automobiles shall be written at a reduction of 25% from the lowest symbol gasoline automobile premiums. Collision premiums on electrics are 25% less than the corresponding gasoline premiums.

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