Three vehicle-related classes, each best remembered by what it leaves out.

Team and vehicle (Section 115): property damage, or legal liability for it, caused by teams or vehicles other than ships, boats or railroad rolling stock, whether by accident, collision or explosion, plus theft of the whole or part of a vehicle.

Automobile (Section 116(a)): covers owners, users, dealers and others with insurable interests against hazards incident to ownership, maintenance, operation and use of automobiles, but excludes loss from accident or physical injury to, or death of, a natural person. Injury to people is handled elsewhere, such as the liability class.

Aircraft (Section 118): the same idea for aircraft, covering hazards of ownership, maintenance, operation and use, other than loss from injury to a natural person. Section 103 mentions aircraft in the marine class, but marine excludes aircraft operating under their own power.