The New Importance of For Hire Exclusions in Personal Auto.

Personal auto policy exclusion for transportation of goods or materials. If no premium is shown what does that mean. 1 If a newly acquired auto replaces a vehicle. 1 Has a Gross Vehicle Weight of less than 12500 lbs.

Insureds under their own personal auto policies while using a covered vehicle as a TNC vehicle at the time of loss. A pickup or van for which no other insur-ance policy provides coverage that. A vehicle with a Gross Vehicle Weight of 10000 lbs.

Exclusion 1c with the following language. Occurring while a covered auto is used in the course of any business. A private passenger auto or station wagon type.

And they cannot be used for the delivery or transportation of goods and materials. Personal automobile insurance policies generally exclude coverage when the insured carries a passenger for a fee. This last item is modified to enable certain insureds such as electricians and plumbers to carry their tools and work materials in their vans and pickups and still have their auto exposures covered under the personal auto policy.

Incidental use in an insureds sideline business can be an exception to this exclusion. Owned and transported property. Owner of during the policy period.

A incidental to your business of installing maintaining or repairing furnishings or equipment. Has a Gross Vehicle Weight as specified by the manufacturer of less than 14000 pounds. What is the only allowable exception to the personal auto policy exclusion for transportation of goods or materials.